Applications / Mortgage Analytics / Lenders / Nebraska / Security First Bank
Lincoln, NE · State non-member bank · FDIC · $2.2 billion assets · 382 loans in 2025
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382
loans originated, 2025
443
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security First Bank, a Lincoln, Nebraska bank, gained share in its home market in 2025 and lends to low- and moderate-income borrowers more than nine in ten similar banks do.
Its share of the Lincoln market rose from 1.7% to 2.5%, and it ranked 10 of 249 lenders; Lincoln FSB of Nebraska led. Its loans rose 19% to 382, against 9% at the typical similar lender (state non-member banks making between half and twice as many loans).
Low- and moderate-income (LMI) borrowers took 40.5% of its loans, up from 32.5% and above the 28.4% at similar lenders. Its denial rate on home-purchase applications, 4.1%, was close to the peers' 4.7%.
It lent in 10 states and 13 metros. It entered Las Vegas-Henderson-North Las Vegas in 2016 and Riverside-San Bernardino-Ontario in 2020, though its share in each rounds to 0.0%. Its lending remains well below the 898 loans it made in 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Security First Bank took 443 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 32.2% · Home improvement 4.7% · Other 2.6%
Conventional 100.0% · of 382 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Nebraska | 332 | 86.9% |
| South Dakota | 37 | 9.7% |
| Colorado | 3 | 0.8% |
| Missouri | 3 | 0.8% |
| Wyoming | 2 | 0.5% |
| California | 1 | 0.3% |
| Indiana | 1 | 0.3% |
| Kansas | 1 | 0.3% |
| Nevada | 1 | 0.3% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 128 |
| Omaha | 32 |
| Rapid City | 25 |
| Kansas City | 2 |
| Denver-Aurora-Centennial | 1 |
| Fort Collins-Loveland | 1 |
| Grand Island | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Longview | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BZTITCLMZ3TL46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 276850 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35415 | 2000–2017 |
Established 1 July 1924. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Security First Bank's data.
Security First Bank's data
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