# First Security Bank

> **Canonical URL:** https://saferate.com/lenders/first-security-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Security Bank is a bank, headquartered in Searcy, AR, with 493 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 18% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900561K135J92VD38
- **Headquarters:** Searcy, AR
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** AR
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.166%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,802
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 493
- **Dollar Volume:** $124 million
- **Applications Received:** 668
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $250,882
- **Average Borrower Income:** $120,884
- **Average Property Value:** $354,817

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 383 | -0.156% | $1,970 | Strong 😀 |
| FHA | 62/100 | 60 | -0.078% | $1,346 | Strong 😀 |
| VA | 60/100 | 20 | -0.623% | $220 | Strong 😀 |
| USDA | 78/100 | 29 | -0.283% | $1,299 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 318 loans, Score: 64/100 (Strong)
- Refinance: 65 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 54 loans, Score: 62/100 (Strong)

**USDA:**
- Purchase: 29 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 421 | $108M | -0.165% | Strong 😀 |
| Refinance | 56/100 | 72 | $16M | -0.169% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| AR | 493 | 1.53% | 87/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 202 | 66/100 |
| Little Rock | AR | 170 | 88/100 |
| Fayetteville | AR | 65 | 67/100 |
| Hot Springs, AR | AR | 29 | 72/100 |
| Jonesboro, AR | AR | 21 | 63/100 |

## Where This Lender Ranks

First Security Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Arkansas
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders)
- 🥇 **#1** in Arkansas Banks
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks)
- 🥇 **#1** in Little Rock
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders)
- 🥇 **#1** in Little Rock Banks
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks)
- 🥇 **#1** in Little Rock for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Fayetteville for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Hot Springs, AR
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders)
- 🥇 **#1** in Hot Springs, AR Banks
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks)
- 🥇 **#1** in Hot Springs, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Jonesboro, AR
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders)
- 🥇 **#1** in Jonesboro, AR Banks
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks)
- 🥇 **#1** in Jonesboro, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Jonesboro, AR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Arkansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Little Rock for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Hot Springs, AR for Conventional Loans
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Hot Springs, AR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hot-springs-ar/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Arkansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Little Rock for Conventional Loans
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Fayetteville
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does First Security Bank offer?

First Security Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Security Bank offer mortgages?

First Security Bank offers mortgages in 1 states: AR.

### How competitive are First Security Bank's mortgage rates?

First Security Bank has a pricing score of 82/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.166% below market average.

### What type of lender is First Security Bank?

First Security Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Searcy, AR.

### What is First Security Bank's loan approval success rate?

First Security Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-security-bank

### How to Cite

> "First Security Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-security-bank

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