# Security First Bank

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


Security First Bank is a bank, headquartered in Lincoln, NE, serving borrowers across 5 states, with 159 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300BZTITCLMZ3TL46
- **Headquarters:** Lincoln, NE
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CO, MN, NE, SD, WV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.157%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $851
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 159
- **Dollar Volume:** $39 million
- **Applications Received:** 209
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $245,126
- **Average Borrower Income:** $132,654
- **Average Property Value:** $359,591

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 151 | +0.200% | $852 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 125 loans, Score: 50/100 (Sound)
- Refinance: 26 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 132 | $35M | +0.157% | Sound ☺️ |
| Refinance | 41/100 | 27 | $4M | +0.153% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 141 | 0.66% | 77/100 |
| SD | 15 | 0.17% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 71 | 54/100 |
| Lincoln, NE | NE | 67 | 73/100 |
| Rapid City, SD | SD | 12 | 50/100 |

## Where This Lender Ranks

Security First Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Lincoln, NE for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Rapid City, SD for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rapid-city-sd/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Lincoln, NE
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders)
- 🏆 **#9** in Lincoln, NE Banks
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks)
- 🏆 **#13** in Nebraska Banks
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks)
- 🏆 **#15** in Lincoln, NE for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Nebraska
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders)
- 🏆 **#17** in Nebraska for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nebraska/best-mortgage-lenders/banks/va-loans)
- 🏆 **#17** in Lincoln, NE for VA Loans
  - [View Full Rankings](https://saferate.com/lincoln-ne/best-mortgage-lenders/va-loans)
- 🏆 **#18** in Rapid City, SD for Conventional Loans
  - [View Full Rankings](https://saferate.com/rapid-city-sd/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

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

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

### 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 a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.157% above market average.

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

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

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

Security First Bank has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/security-first-bank

### How to Cite

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

---

**[View Interactive Profile →](https://saferate.com/lenders/security-first-bank)**