We analyzed every closed loan from First Security Bank — 493 loans across 668 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Single State · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 16.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
First Security Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 16.6 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
383 loans · 0.16% below market
Strong
Top 40% of lenders
4/5
FHA
60 loans · 0.08% below market
Strong
Top 40% of lenders
4/5
VA
20 loans · 0.62% below market
Strong
Top 40% of lenders
4/5
USDA
29 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
421 loans · 0.17% below market
Strong
Top 40% of lenders
4/5
Refinance
72 loans · 0.17% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Single State · 5 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 383 | 77.7% | -0.156%Below | $1,970Fees | ||||
FHA Loans | 60 | 12.2% | -0.078%Below | $1,346Fees | ||||
VA Loans | — | 20 | 4.1% | -0.623%Below | $220Fees | |||
USDA Loans | — | 29 | 5.9% | -0.283%Below | $1,299Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume383
Mix77.7%
Spread
-0.156%Below
Fees
$1,970Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume60
Mix12.2%
Spread
-0.078%Below
Fees
$1,346Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume20
Mix4.1%
Spread
-0.623%Below
Fees
$220Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume29
Mix5.9%
Spread
-0.283%Below
Fees
$1,299Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 421 | 85.4% | -0.165%Below | $1,733Fees | ||||
Refinance | 72 | 14.6% | -0.169%Below | $2,160Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume421
Mix85.4%
Spread
-0.165%Below
Fees
$1,733Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume72
Mix14.6%
Spread
-0.169%Below
Fees
$2,160Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
493
Applications
668
Volume
$123 million
Pricing & Closing
Avg Rate Spread
-0.166%
vs. market APOR
Avg Net Fees
$1,802
Origination − Credits
Pullthrough Rate
73.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$250,882
Avg Borrower Income
$120,884
Avg Property Value
$354,817
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
All statesNone
South1
AR
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.