First Security Bank mortgage approval rate & lending review
First Security Bank decided 2,409 mortgage applications and funded 2,204 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Security Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Security Bank at a glance
Approval is 14.3 points above the 79.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 885 / 936 | 97% | $225K | 862 |
| Home improvement loans | 84% | 331 / 392 | 96% | $55K | 319 |
| Cash-out refinance | 83% | 59 / 71 | 97% | $235K | 57 |
| Refinance | 96% | 255 / 266 | 100% | $105K | 254 |
| Investment property purchase | 98% | 471 / 482 | 98% | $145K | 461 |
| Investment refinance | 98% | 134 / 137 | 99% | $125K | 133 |
| Investment home improvement | 97% | 118 / 122 | 99% | $65K | 117 |
First Security Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arkansas | 94% | $145K | 2,391 | 2,190 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Security Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Faulkner County, AR | Mortgage lenders | 96% | 291 | 273 |
| Pulaski County, AR | Mortgage lenders | 87% | 172 | 148 |
| Faulkner County, AR | Investment property purchase | 99% | 143 | 142 |
| Pulaski County, AR | Investment property purchase | 97% | 128 | 121 |
| Faulkner County, AR | Home improvement loans | 89% | 135 | 117 |
| Saline County, AR | Mortgage lenders | 96% | 111 | 102 |
| Benton County, AR | Mortgage lenders | 98% | 94 | 91 |
| Washington County, AR | Mortgage lenders | 99% | 96 | 90 |
| Faulkner County, AR | Refinance | 97% | 92 | 89 |
| Saline County, AR | Investment property purchase | 96% | 81 | 74 |
| Craighead County, AR | Mortgage lenders | 94% | 77 | 68 |
| Garland County, AR | Mortgage lenders | 96% | 70 | 67 |
The county markets where First Security Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Security Bank
What is First Security Bank's mortgage approval rate?
First Security Bank approved 93.6% of the 2,409 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.3 points above the 79.3% national rate for the same mix of loan types.
How often do borrowers take the loan First Security Bank offers?
Borrowers accepted 98% of the loans First Security Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Security Bank make?
The typical home purchase mortgage loan First Security Bank made was $225K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Security Bank lend?
First Security Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Arkansas, Florida and Tennessee.
Can I apply to First Security Bank directly?
Yes. First Security Bank is a bank or credit union with 118 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Security Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Security Bank treats applications, then get a rate quote from the lender.