What loan types does Security Federal Bank offer?

Security Federal Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Security Federal Bank offer mortgages?

Security Federal Bank offers mortgages in 2 states: GA, SC.

How competitive are Security Federal Bank's mortgage rates?

Security Federal Bank has an overall pricing score of 58.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Security Federal Bank?

Security Federal Bank is a Bank headquartered in Aiken, SC.

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Security Federal Bank

Bank•Aiken, SCHQ•Direct•Reviews near you on Google

Security Federal Bank has 190 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional · Jumbo

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

Security Federal Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 25.1 bps below market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

143 loans · 0.32% below market

Sound

Top 60% of lenders

3/5

FHA

22 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

Jumbo

11 loans · 0.59% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

148 loans · 0.27% below market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.18% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	143	75.3%	-0.320%Below	$2,569Fees
FHA Loans	Sound	Sound	Strong	Sound	22	11.6%	+0.072%Above	$3,482Fees
Jumbo Loans	Sound	Sound	—	—	11	5.8%	+0.587%Above	$9,072Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume143

Mix75.3%

Spread

-0.320%Below

Fees

$2,569Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume22

Mix11.6%

Spread

+0.072%Above

Fees

$3,482Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix5.8%

Spread

+0.587%Above

Fees

$9,072Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	148	77.9%	-0.273%Below	$2,734Fees
Refinance	Sound	Sound	Sound	Strong	42	22.1%	-0.180%Below	$2,900Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume148

Mix77.9%

Spread

-0.273%Below

Fees

$2,734Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume42

Mix22.1%

Spread

-0.180%Below

Fees

$2,900Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

190

Applications

286

Volume

$61 million

Pricing & Closing

Avg Rate Spread

-0.251%

vs. market APOR

Avg Net Fees

$2,773

Origination − Credits

Pullthrough Rate

66.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$321,842

Avg Borrower Income

$134,116

Avg Property Value

$446,105

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 5050+None

South2

GASC

Top Metro Areas by Place Specialization Score

Augusta, GA-SCMetro

Volume 153Mix 80.53% of portfolio

92/100

Exceptional

Columbia, SCMetro

Volume 14Mix 7.37% of portfolio

49/100

Sound

Top States by Place Specialization Score

South CarolinaState

Volume 152Mix 80.00% of portfolio

77/100

Strong

GeorgiaState

Volume 38Mix 20.00% of portfolio

56/100

Sound

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.