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 score and performance metrics.

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 an overall pricing score of 82/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Security Bank?

First Security Bank is a Bank headquartered in Searcy, AR.

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First Security Bank

Bank•Searcy, ARHQ•Direct•Reviews near you on Google

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

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

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 5 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	383	77.7%	-0.156%Below	$1,970Fees
FHA Loans	Strong	Strong	Exceptional	Sound	60	12.2%	-0.078%Below	$1,346Fees
VA Loans	Sound	Strong	—	Sound	20	4.1%	-0.623%Below	$220Fees
USDA Loans	Strong	Strong	—	Strong	29	5.9%	-0.283%Below	$1,299Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume383

Mix77.7%

Spread

-0.156%Below

Fees

$1,970Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume60

Mix12.2%

Spread

-0.078%Below

Fees

$1,346Fees

VA Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume20

Mix4.1%

Spread

-0.623%Below

Fees

$220Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

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	Strong	Strong	Exceptional	Strong	421	85.4%	-0.165%Below	$1,733Fees
Refinance	Strong	Sound	Exceptional	Sound	72	14.6%	-0.169%Below	$2,160Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume421

Mix85.4%

Spread

-0.165%Below

Fees

$1,733Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Little Rock, ARMetro

Volume 170Mix 34.48% of portfolio

88/100

Exceptional

Hot Springs, ARMetro

Volume 29Mix 5.88% of portfolio

72/100

Strong

Fayetteville, ARMetro

Volume 65Mix 13.18% of portfolio

67/100

Strong

Jonesboro, ARMetro

Volume 21Mix 4.26% of portfolio

63/100

Strong

Top States by Place Specialization Score

ArkansasState

Volume 493Mix 100.00% of portfolio

87/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.