Security First Bank mortgage approval rate & lending review
Security First Bank decided 448 mortgage applications and funded 380 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Security First Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Security First Bank at a glance
Approval is 9.9 points above the 84.7% 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 | 93% | 262 / 283 | 88% | $235K | 231 |
| Refinance | 100% | 42 / 42 | 93% | $155K | 39 |
| Investment property purchase | 98% | 65 / 66 | 88% | $165K | 57 |
| Investment refinance | 98% | 40 / 41 | 98% | $125K | 39 |
Security First Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Nebraska | 94% | $235K | 387 | 328 |
| South Dakota | 96% | $345K | 46 | 40 |
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 Security First Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, NE | Mortgage lenders | 92% | 237 | 194 |
| Lancaster County, NE | Investment property purchase | 98% | 42 | 37 |
| Lancaster County, NE | Refinance | 100% | 32 | 30 |
| Lancaster County, NE | Investment refinance | 96% | 27 | 25 |
| Pennington County, SD | Mortgage lenders | 92% | 24 | 19 |
The county markets where Security First Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Security First Bank
What is Security First Bank's mortgage approval rate?
Security First Bank approved 94.6% of the 448 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.9 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Security First Bank offers?
Borrowers accepted 90% of the loans Security First 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 Security First Bank make?
The typical home purchase mortgage loan Security First Bank made was $235K; across all loan types its typical loan ran from $125K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Security First Bank lend?
Security First Bank decided applications in 10 of the states Fat Boy Data covers, most of them in Nebraska, South Dakota and Colorado.
Can I apply to Security First Bank directly?
Yes. Security First Bank is a bank or credit union with 37 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Security First 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 Security First Bank treats applications, then get a rate quote from the lender.