Security National Mortgage Review 2026: Rates 6.45-6.95%, BBB 3.6/5

📊 Security National Mortgage: Key Stats 2026

Metric	Security National	Industry Average	Rating
30-Year Fixed Rate	6.45-6.95%	6.65%	✅ Competitive
Average Close Time	35-45 days	30-35 days	⚠️ Slower
BBB Rating	3.6/5 (562 reviews)	4.2/5	⚠️ Below Average
Lender Fees	$4,200-6,500	$3,500-5,000	❌ Higher
FHA/VA Program	Strong (580+ credit)	Good	✅ Excellent
States Available	8 states (UT, ID, AZ, etc.)	30-50 states	⚠️ Limited
Digital Platform	Basic (no mobile app)	Advanced	❌ Behind

✅ Security National Mortgage PROS

1. Competitive Rates in UT/ID/AZ Markets (6.45-6.95%)

Security National offers competitive rates in their core markets (Utah, Idaho, Arizona). Example: 6.55% 30-year fixed in Salt Lake City vs 6.65% national average = $30/month savings on $400K loan.

2. Strong FHA/VA Loan Programs

Excellent for first-time buyers and veterans. FHA: 3.5% down, 580+ credit. VA: 0% down, no PMI. Dedicated FHA/VA loan officers who understand government loan requirements.

🎖️ VA Loan Example:

$400K home, 0% down, VA loan at 6.30% = $2,470/month (P&I only). No PMI saves $200/month vs conventional 5% down.

3. Local Market Expertise (Utah/Idaho)

Loan officers understand local markets (Park City, Boise, Scottsdale). Can navigate unique scenarios: high-altitude properties, resort areas, HOA complexities. Better than national lenders for niche UT/ID properties.

4. In-Person Service (Branch Locations)

15+ branch locations in UT/ID/AZ. Meet loan officer in person, review docs face-to-face. Good for buyers who prefer local, relationship-based service vs digital-only lenders.

❌ Security National Mortgage CONS

1. Higher Fees Than National Lenders ($4,200-6,500)

Total lender fees: $4,200-6,500 (origination 1.00-1.25% + processing $595 + underwriting $895). National lenders charge $3,500-5,000. You pay $700-1,500 MORE for same loan.

💸 Fee Comparison ($400K Loan):

Security National: $5,490 total fees

Rocket Mortgage: $3,800 total fees

Better.com: $0 lender fees (on $400K+)

Savings with Better.com: $5,490 ✅

2. Slower Close Time (35-45 Days vs 25-30 Average)

Security National takes 35-45 days to close (vs 25-30 industry average). Paper-heavy process, manual underwriting, limited automation. Risk: delayed closings, rate lock expiration.

3. Limited Digital Tools (No Mobile App)

NO mobile app. Basic online portal. Paper-heavy process (fax, mail, in-person). If you want modern, digital experience, use Rocket (excellent app) or Better.com (fully digital).

4. Limited Availability (8 States Only)

Only available in: UT, ID, AZ, NV, CO, WY, MT, OR. NOT available in CA, TX, FL, NY, or 42 other states. If you're outside their footprint, find nationwide lenders →

⚠️

Should You Use Security National Mortgage?

USE Security National if: You're in UT/ID/AZ, value local service and in-person meetings, applying for FHA/VA loan, don't mind slower process/higher fees.

AVOID Security National if: You want lowest fees ($0 with Better.com), fast close (21-25 days), modern digital tools, nationwide availability.

💡 Better Alternatives:

• Better.com: $0 fees, 21-day close, 6.40-6.90% rates (save $5K in fees)

• Rocket Mortgage: 4.8/5 BBB, 25-day close, excellent app ($1,500 less fees)

• Guild Mortgage: Local branches nationwide, same personal service, lower fees

Compare all lenders in 60 seconds →

💵 Security National vs Competitors: Rate & Fee Comparison

Lender	30-Year Rate	Lender Fees	Close Time	BBB Rating	States
Better.com	6.40-6.90%	$0 ($400K+)	21 days	4.7/5	50
Rocket Mortgage	6.55-7.05%	$3,200-4,500	25 days	4.8/5	50
Security National	6.45-6.95%	$4,200-6,500	35-45 days	3.6/5	8
Guild Mortgage	6.60-7.10%	$3,500-5,200	28 days	4.7/5	50

🗺️ Security National Mortgage Service Area

States Where Security National Operates (2026)

✅ AVAILABLE (8 States):

• Utah (headquarters, best coverage)
• Idaho (strong presence)
• Arizona (growing market)
• Nevada
• Colorado
• Wyoming
• Montana
• Oregon

❌ NOT AVAILABLE (42 States):

Including major markets:

• California
• Texas
• Florida
• New York
• Illinois
• Pennsylvania
• + 36 other states

Find lenders in your state →

❓ Security National Mortgage FAQs 2026

Is Security National Mortgage a good lender in 2026?▼

Security National Mortgage (SNM) is a SOLID regional lender with competitive rates and strong FHA/VA programs. Pros: Rates 6.45-6.95% (July 2026), strong in Utah/Idaho/Arizona markets, good FHA/VA service. Cons: Limited availability (8 states only), slower customer service than national lenders (3.6/5 BBB), higher fees than online lenders. Best for: buyers in UT/ID/AZ, FHA/VA loans, local service. NOT for: buyers outside their footprint or seeking lowest rates. Compare Security National vs other lenders →

What are Security National Mortgage rates in 2026?▼

Security National Mortgage rates (July 2026): 30-year fixed: 6.45-6.95% (740+ credit, 20% down). 15-year fixed: 5.70-6.20%. FHA loan: 6.10-6.50% (3.5% down, 580+ credit). VA loan: 6.20-6.70% (0% down). Jumbo: 6.90-7.50% ($726K+). Rates are competitive in Utah/Idaho markets but NOT the lowest nationally. See lower rates from national lenders → Better.com and Rocket often beat SNM by 0.15-0.35%.

What states does Security National Mortgage operate in?▼

Security National Mortgage operates in 8 states (2026): Utah (headquarters), Idaho, Arizona, Nevada, Colorado, Wyoming, Montana, Oregon. Best coverage in UT/ID/AZ. Limited presence in other states. NOT available in: CA, TX, FL, NY, or 42 other states. If you're outside these 8 states, find lenders available nationwide →

What are common complaints about Security National Mortgage?▼

Common Security National Mortgage complaints (2026): (1) Slow processing: 35-45 day close time (vs 25-30 industry average); (2) Limited digital tools: paper-heavy process, no mobile app; (3) Higher fees: $4,200-6,500 total lender fees (vs $3,500 average); (4) Communication gaps: loan officers hard to reach, delayed email responses. BBB rating: 3.6/5 (562 reviews). Better alternatives for speed/digital: Rocket (4.8/5 BBB, 25-day close), Better.com ($0 fees, 21-day close).

Does Security National Mortgage have hidden fees?▼

Security National Mortgage fees (July 2026): Origination fee: 1.00-1.25% ($4,000-5,000 on $400K). Processing fee: $595. Underwriting fee: $895. Appraisal: $600-750. Title/escrow: $1,500-2,000. Total lender fees: $4,200-6,500 (HIGHER than national average $3,500-5,000). Compare lender fees → Always get Loan Estimate in writing and negotiate origination fee down to 0.50-0.75%.

Is Security National Mortgage better than Rocket or Better.com?▼

Security National vs competitors: Security National: Rates 6.45-6.95%, 35-45 day close, 3.6/5 BBB, $4,200-6,500 fees, 8 states only. Rocket Mortgage: Rates 6.55-7.05%, 25-day close, 4.8/5 BBB, $3,200-4,500 fees, 50 states (WINNER service/speed). Better.com: Rates 6.40-6.90%, 21-day close, 4.7/5, $0 fees on $400K+, 50 states (WINNER rates/fees). Verdict: Better.com wins on rates/fees. Rocket wins on service. Security National is regional option for UT/ID/AZ buyers who prefer local lenders. Compare all 3 lenders →

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