SECURITY NATIONAL FINANCIAL CORP 10-K

Item 2. Properties The tables below set forth the location of the Company’s office facilities and certain other information relating to these properties. Street City State Function Owned / Leased Approximate Square Footage Lease Amount Expiration 433 W. Ascension Way Salt Lake City UT Corporate Headquarters, Insurance Operations, Cemetery and Mortuary Operations, Mortgage Operations and Sales Owned 221,000 N/A N/A 1818 Marshall Street Shreveport LA Insurance Operations Owned 12,274 N/A N/A 1080 River Oaks Drive Suite #B204 Flowood MS Insurance Sales Leased 2,685 $ 3,994 / mo 8/31/2028 9440 Viscount Blvd. Suite 230 El Paso TX Insurance Sales Leased 2,270 $ 3,405 / mo 11/30/2028 79 E. Main Street Midway UT Funeral Service Sales Leased 4,476 $ 6,774 / mo 12/31/2030 200 Market Way Rainbow City AL Fast Funding Operations Leased 20,140 $ 10,490 / mo 1/31/2030 3612 W. Southern Hills Blvd. #5 Rogers AR Mortgage Sales Leased 1,560 $ 2,600 / mo 8/31/2028 5100 N. 99th Ave., #101 Phoenix AZ Mortgage Sales Sub-Leased 3,940 $ 3,575 / mo month to month 1951 W. Camelback Rd. #200 Phoenix AZ Mortgage Sales Leased 2,446 $ 4,281 / mo 1/31/2026 1360 N. Bullard Ave., #I-207 & J-208 Goodyear AZ Mortgage Sales Leased 280 $ 3,718 / mo 8/31/2026 1630 S. Stapley Dr. #206 Mesa AZ Mortgage Sales Leased 5,197 $ 9,095 / mo 4/30/2026 705 E. Coronado Rd. Phoenix AZ Mortgage Sales Leased 1,287 $ 4,950 / mo month to month 2301 S. Stearman Dr. #3 Chandler AZ Mortgage Sales Leased 144 $ 1,200 / mo month to month 15150 W. Park Place #2041 Goodyear AZ Mortgage Sales Leased 300 $ 1,099 / mo 10/31/2026 40977 Oak Dr. Forest Falls CA Mortgage Sales Leased 250 $ - / mo month to month 2934 E. Garvey Ave. South, #250 West Covina CA Mortgage Sales Leased 500 $ 1,100 / mo month to month 7398 Fox Trail #B Yucca Valley CA Mortgage Sales Leased 900 $ 550 / mo month to month 155 S. Highway 101 #7 Solana Beach CA Mortgage Sales Leased 2,000 $ 7,879 / mo 8/22/2026 2455 Bennett Valley Rd. #C107 Santa Rosa CA Mortgage Sales Leased 849 $ 1,750 / mo 7/31/2026 27 Main St., #C104B Edwards CO Mortgage Sales Leased 680 $ 1,950 / mo month to month 5982 S. Zenos Ct Aurora CO Mortgage Sales Leased 50 $ - / mo month to month 5475 Tech Center Drive #215 Colorado Springs CO Mortgage Sales Leased 790 $ 1,218 / mo 12/31/2027 7800 E. Union Ave. #930 Denver CO Mortgage Sales Leased 2,062 $ - / mo 3/31/2027 447 Naubuc Ave. #110 Glastonbury CT Mortgage Sales Leased 1,420 2485 / mo 3/31/2027 84 Broad Street 2nd Floor, #6 Milford CT Mortgage Sales Leased 200 $ 650 / mo month to month 8191 College Parkway, #201 Fort Myers FL Mortgage Sales Leased 4,676 $ 5,112 / mo 7/31/2026 2350 Fruitville Rd. #101 Sarasota FL Mortgage Sales Leased 2,455 $ 5,587 / mo 3/14/2026 10293 61st Ct N Pinellas Park FL Mortgage Sales Leased 100 $ - / mo month to month 250 International Pkwy #118 Lake Mary FL Mortgage Sales Leased 3,068 $ 3,812 / mo 3/31/2027 5666 Seminole Blvd. #128 Seminole FL Mortgage Sales Leased 136 816.40 / mo 6/30/2026 2326 Del Prado Blvd. #18C Cape Coral FL Mortgage Sales Leased 200 400.00 / mo 4/30/2026 132 W. International Speedway Blvd. #15 Daytona Beach FL Mortgage Sales Leased 60 500.00 / mo 3/31/2026 1800 Phoenix Blvd. #128-25 Atlanta GA Mortgage Sales Leased 235 $ 850 / mo month to month 3344 Peachtree Rd. NE #17 Atlanta GA Mortgage Sales Leased 150 $ 1,294 / mo month to month 3344 Peachtree Rd. NE #18 Atlanta GA Mortgage Sales Leased 150 $ 1,294 / mo month to month 4370 Kukui Grove St. #201 Lihue HI Mortgage Sales Leased 864 $ 1,650 / mo 2/29/2028 677 Ala Moana Blvd. #609 Honolulu HI Mortgage Sales Leased 716 $ 2,399 / mo 1/31/2026 1955 Main Street #301 Wailuku HI Mortgage Sales Leased 500 1523.56 / mo month to month 1350 Lake Street #6 Roselle IL Mortgage Sales Leased 192 749.17 / mo 11/30/2026 1350 Lake Street #7 Roselle IL Mortgage Sales Leased 192 749.17 / mo 11/30/2026 450 E. 96th Street #5008 Indianapolis IN Mortgage Sales Leased 100 900 / mo 7/31/2026 450 E. 96th Street #5009 Indianapolis IN Mortgage Sales Leased 100 900 / mo 7/31/2026 81 Boulder Drive, Elizabethtown KY Mortgage Sales Leased 100 $ - / mo month to month 9300 SHELBYVILLE RD #1205 Louisville KY Mortgage Sales Leased 2,453 $ 4,000 / mo 4/30/2026 8684 Veterans Hwy. #101 Millersville MD Mortgage Sales Leased 4,018 $ 7,349 / mo 7/31/2026 960 S. 24th Street West Suite 1 Billings MT Mortgage Sales Leased 200 $ 1,613 / mo month to month 534 N. Higgins Ave. Missoula MT Mortgage Sales Leased 800 $ 2,266 / mo 6/28/2026 1980 Festival Plaza Dr. #850 Las Vegas NV Mortgage Sales Leased 12,866 $ 49,277 / mo 3/31/2027 840 Pinnacle Ct. #3B Mesquite NV Mortgage Sales Leased 900 $ 720 / mo month to month 2635 St. Rose Pkwy #D100 Henderson NV Mortgage Sales Leased 5,788 $ 13,775 / mo 11/30/2030 2546 Findlater Henderson NV Mortgage Sales Leased 120 $ - / mo month to month 1180 N. Town Center Dr. #265 Las Vegas NV Mortgage Sales Leased 2,638 $ 7,888 / mo 9/30/2027 650 S. Green Valley Pkway #130 Henderson NV Mortgage Sales Leased 215 $ 600 / mo month to month 100 S. Juniper 3rd Floor #A05 Philadelphia PA Mortgage Sales Leased 100 $ 141 / mo month to month 670 Meridian Way #146 Westerville OH Mortgage Sales Leased 100 $ 669 / mo month to month 1000 W. Wilshire Blvd. #220 Oklahoma City OK Mortgage Sales Leased 200 $ 550 / mo month to month 3115 NE Sandy Blvd #227 Portland OR Mortgage Sales Leased 580 $ 1,195 / mo 9/30/2027 12 Item 2. Properties (Continued) Street City State Function Owned / Leased Approximate Square Footage Lease Amount Expiration 3970 Post Rd. #2PH Warwick RI Mortgage Sales Leased 391 $ 875 / mo month to month 3292 Winbrook Dr. Memphis TN Mortgage Sales Leased 169 $ 300 / mo month to month 1213 East Alton Gloor Blvd. #H Brownsville TX Mortgage Sales Leased 2,000 $ 2,400 / mo 2/28/2026 722 Kiowa Dr. West Lake Kiowa TX Mortgage Sales Leased 150 $ - / mo month to month 30417 Fifth Street #B Fulshear TX Mortgage Sales Leased 1,000 $ 1,351 / mo month to month 4908 North Midkiff Rd. Midland TX Mortgage Sales Leased 1,550 $ 3,000 / mo month to month 462 Mid Cities Blvd. Hurst TX Mortgage Sales Leased 1,640 $ 2,500 / mo month to month 1600 Lee Travino #A-1 El Paso TX Mortgage Sales Leased 1,535 $ 2,110 / mo month to month 10000 Central Expressway #428 Dallas TX Mortgage Sales Leased 200 $ 1,450 / mo 12/31/2026 5757 Flewellen Oaks Ln #104 Fulshear TX Mortgage Sales Leased 100 $ 800 / mo month to month 2100 Kramer Ln #900 Austin TX Mortgage Sales Leased 5,634 $ 10,719 / mo 7/31/2029 10024 County Rd. 1016 Burleson TX Mortgage Sales Leased 100 $ - / mo month to month 2001 Timberloch Pl #500-31 The Woodlands TX Mortgage Sales Leased 100 $ 1,043 / mo 3/1/2026 1526 Katy Gap Rd #802 Katy TX Mortgage Sales Leased 1,237 $ 3,500 / mo month to month 14090 SW Freeway STE 300 #374 Sugarland TX Mortgage Sales Leased 140 $ 1,246 / mo month to month 800 Town & Country Blvd STE 500 #369 Houston TX Mortgage Sales Leased 100 $ 1,239 / mo month to month 800 Town & Country Blvd STE 500 #370 Houston TX Mortgage Sales Leased 100 $ 1,239 / mo month to month 25329 Budde Rd #1001 Spring TX Mortgage Sales Leased 1,200 $ 1,800 / mo month to month 402 E. Edgewood DR STE A Friendswood TX Mortgage Sales Leased 2,500 $ 2,500 / mo month to month 23302 W. Fernhurst Dr. #300 Katy TX Mortgage Sales Leased 100 $ - / mo month to month 126 W. Sego Lily Dr. #130 Sandy UT Mortgage Sales Leased 2,794 $ 7,251 / mo 1/31/2027 497 S. Main #E Ephraim UT Mortgage Sales Leased 1,884 $ 2,200 / mo 5/31/2027 1350 E. 300 S. 3rd Floor Lehi UT Mortgage Sales Leased 15,446 $ 40,726 / mo 12/22/2026 2455 E. Parleys Way #150 Salt Lake City UT Mortgage Sales Leased 5,256 $ 2,917 / mo 7/31/2030 998 N. 1200 W. #104 Orem UT Mortgage Sales Leased 2,162 $ 5,992 / mo month to month 162 N. 400 E #C205 St. George UT Mortgage Sales Leased 1,177 $ 2,439 / mo 4/30/2026 500 E. Village Blvd. #108 Stansbury Park UT Mortgage Sales Leased 200 $ 600 / mo month to month 15650 NE Fourth Blvd. #101 Vancouver WA Mortgage Sales Leased 200 $ 495 / mo month to month 402 E. Main Street #130-#140-#150 Vancouver WA Mortgage Sales Leased 1,200 $ 4,231 / mo 9/30/2026 1508 24th Ave. #23 Kenosha WI Mortgage Sales Leased 250 $ - / mo month to month 27903 99th Street Trevor WI Mortgage Sales Leased 300 $ - / mo month to month 2527 S. Business Dr. Sheboygan WI Mortgage Sales Leased 980 $ 1,230 / mo month to month 15430 Neuberry Ct. Brookfield WI Mortgage Sales Leased 100 $ - / mo month to month 80 East 1st Ave. Afton WY Mortgage Sales Leased 183 $ 650 / mo 2/28/2026 The Company believes the office facilities it occupies are in good operating condition and adequate for current operations. The Company may enter into additional leases, modify existing leases or extend current leases based on its assessments of current market demand for its services. Those leases are expected to be month to month where possible. 13 Item 2. Properties (Continued) The following table summarizes the location and acreage of the seven Company owned cemeteries, each of which includes one or more mausoleums. The acreage represents estimates of acres that are based upon survey reports, title reports, appraisal reports, or the Company’s inspection of the cemeteries. The Company estimates that there are approximately 1,200 spaces per developed acre. Net Saleable Acreage Name of Cemetery Location Date Acquired Developed Acreage Total Acreage Acres Sold as Cemetery Spaces (1) Total Available Acreage Memorial Estates, Inc. Lakeview Cemetery 1640 East Lakeview Drive Bountiful, Utah 1973 9 39 8 31 Memorial Estates, Inc. Mountain View Cemetery 3115 East 7800 South Salt Lake City, Utah 1973 26 54 20 34 Memorial Estates, Inc. Redwood Cemetery 6500 South Redwood Road West Jordan, Utah 1973 40 74 35 39 Deseret Memorial Inc. Lake Hills Cemetery 10055 South State Street Sandy, Utah 1991 9 28 6 22 Holladay Memorial Park, Inc. Holladay Memorial Park 4900 South Memory Lane Holladay, Utah 1991 12 16 8 8 California Memorial Estates, Inc. Singing Hills Memorial Park 2800 Dehesa Road El Cajon, California 1995 8 97 6 91 (2) SNR-SF Cemetery LLC Santa Fe Memorial Gardens 417 Rodeo Rd Santa Fe, New Mexico 2021 5 (3) 5 4 1 (1) Includes both reserved and occupied spaces. (2) Includes an open easement with a total acreage of approximately 62 acres. (3) Includes five main columbariums that can hold approximately 6,000 inurnments. 14 Item 2. Properties (Continued) The following table summarizes the location, square footage and the number of viewing rooms and chapels of the twelve Company owned mortuaries: Date Viewing Square Name of Mortuary Location Acquired Room(s) Chapel(s) Footage Memorial Mortuary, Inc. Memorial Mortuary 5850 South 900 East, Murray, Utah 1973 3 1 20,000 Affordable Funerals and Cremations, St. George 157 East Riverside Dr., No. 3A, St. George, Utah 2016 1 1 2,360 Memorial Estates, Inc. Redwood Mortuary (1) 6500 South Redwood Rd., West Jordan, Utah 1973 2 1 10,000 Memorial Estates, Inc. Mountain View Mortuary (1) 3115 East 7800 South, Salt Lake City, Utah 1973 2 1 16,000 Memorial Estates, Inc. Lakeview Mortuary (1) 1640 East Lakeview Dr., Bountiful, Utah 1973 0 1 5,500 Deseret Memorial Inc. Lakehills Mortuary (1) 10055 South State St., Sandy, Utah 1991 2 1 18,000 Cottonwood Mortuary, Inc. Cottonwood Mortuary 4670 South Highland Dr., Holladay, Utah 1991 2 1 14,500 SN Probst LLC Heber Valley Funeral Home 288 North Main St., Heber City, Utah 2019 1 1 5,900 SN Holbrook LLC Milcreek Funeral Home 3251 S 2300 E, Millcreek, Utah 2021 2 1 6,300 SNR-SF Mortuary LLC Rivera Family Funeral Home Santa Fe (1) 417 Rodeo RD, Santa Fe, New Mexico 2021 2 1 7,700 SNR-Espanola LLC Rivera Family Funeral Home Española 305 Calle Salazar, Española, New Mexico 2021 1 2 10,400 SNR-Taos LLC Rivera Family Funeral Home Taos 818 Paseo Del Pueblo Sur, Taos, New Mexico 2021 0 1 9,600 (1) These funeral homes also provide burial niches at their respective locations. 15 Item 3. Legal Proceedings The Company is not a party to any material legal proceedings outside the ordinary course of business or to any other legal proceedings, which if adversely determined, would be expected to have a material adverse effect on its financial condition or results of operation. Item 4. Mine Safety Disclosures Not applicable. PART II