Security Federal Bank
Security Federal Bank received 351 applications in 2025 and made 244 mortgages, in 28 counties across 3 states. The median rate its borrowers got was 6.490% on a median loan of $245,000. Of 276 decisions, 29 were denials — 10.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005ES4J6H2VR7264 |
|---|---|
| Applications received | 351 |
| Mortgages made | 244 |
| Denied | 29 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 75 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.035 points |
| FDIC-insured bank | Yes: Security Federal Bank, 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 166 | 6.433% | $230,000 | 11.1% |
| Refinancing | 37 | 6.250% | $405,000 | 5.1% |
| Cash-out refinancing | 30 | 6.563% | $235,000 | 11.8% |
| Other purposes | 11 | 6.490% | $115,000 | 15.4% |
Where Security Federal Bank lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Aiken County, SC | 136 | 6.375% | 10.5% |
| Richmond County, GA | 28 | 6.530% | 9.4% |
| Columbia County, GA | 24 | 6.125% | 7.4% |
| Edgefield County, SC | 13 | 6.125% | 18.8% |
| Lexington County, SC | 13 | 6.375% | 0.0% |
| Richland County, SC | 9 | Under 10 loans | 25.0% |
| Barnwell County, SC | 3 | Under 10 loans | 25.0% |
| Newberry County, SC | 3 | Under 10 loans | 0.0% |
| Wilkes County, GA | 2 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Glynn County, GA | 1 | Under 10 loans | 0.0% |
| Jefferson County, GA | 1 | Under 10 loans | 50.0% |
| Liberty County, GA | 1 | Under 10 loans | 0.0% |
| Lincoln County, GA | 1 | Under 10 loans | 0.0% |
| McDuffie County, GA | 1 | Under 10 loans | 0.0% |
| Rabun County, GA | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 0.0% |
| Fairfield County, SC | 1 | Under 10 loans | 0.0% |
| Greenwood County, SC | 1 | Under 10 loans | 0.0% |
| McCormick County, SC | 1 | Under 10 loans | 0.0% |
| Saluda County, SC | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 0.0% |
| Lincoln County, NC | 0 | Under 10 loans | Not published |
| Charleston County, SC | 0 | Under 10 loans | Not published |
| Clarendon County, SC | 0 | Under 10 loans | Not published |
| Jasper County, SC | 0 | Under 10 loans | Not published |
| Orangeburg County, SC | 0 | Under 10 loans | Not published |
| Spartanburg County, SC | 0 | Under 10 loans | Not published |
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When Security Federal Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.