What loan types does Security First Bank offer?

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

Where does Security First Bank offer mortgages?

Security First Bank offers mortgages in 5 states: CO, MN, NE, SD, WV.

How competitive are Security First Bank's mortgage rates?

Security First Bank has an overall pricing score of 74.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Security First Bank?

Security First Bank is a Bank headquartered in Lincoln, NE.

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Security First Bank

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Security First Bank has 159 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

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Security First Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+15.7 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

151 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

132 loans · 0.16% above market

Sound

Top 60% of lenders

3/5

Refinance

27 loans · 0.15% above 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	Strong	Sound	Strong	Sound	151	95.0%	+0.200%Above	$852Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume151

Mix95.0%

Spread

+0.200%Above

Fees

$852Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Sound	132	83.0%	+0.157%Above	$876Fees
Refinance	Sound	Sound	Strong	Strong	27	17.0%	+0.153%Above	$748Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume132

Mix83.0%

Spread

+0.157%Above

Fees

$876Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume27

Mix17.0%

Spread

+0.153%Above

Fees

$748Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

159

Applications

209

Volume

$38 million

Pricing & Closing

Avg Rate Spread

+0.157%

vs. market APOR

Avg Net Fees

$851

Origination − Credits

Pullthrough Rate

76.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$245,126

Avg Borrower Income

$132,654

Avg Property Value

$359,591

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

5Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest3

MNNESD

South1

West1

Top Metro Areas by Place Specialization Score

Lincoln, NEMetro

Volume 67Mix 42.14% of portfolio

73/100

Strong

Rapid City, SDMetro

Volume 12Mix 7.55% of portfolio

50/100

Sound

Top States by Place Specialization Score

NebraskaState

Volume 141Mix 88.68% of portfolio

77/100

Strong

South DakotaState

Volume 15Mix 9.43% of portfolio

50/100

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.