# First Financial Bank > **Canonical URL:** https://saferate.com/lenders/first-financial-bank-ar > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible First Financial Bank is a bank, headquartered in El Dorado, AR, serving borrowers across 7 states, with 273 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 51% of lenders for competitive rates - **Approval Rate:** Ranks in the top 30% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 254900CNZPI5WN45KW48 - **Headquarters:** El Dorado, AR - **Geographic Reach:** Multi-Region - **States Served:** 7 - **State List:** AL, AR, LA, MO, MS, NH, OK - **Markets (MSAs):** 5 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 49/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 70/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.182% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,161 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 273 - **Dollar Volume:** $58 million - **Applications Received:** 334 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $213,425 - **Average Borrower Income:** $110,410 - **Average Property Value:** $267,821 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (63%) - ⭐ **FHA Gold Superstar** (70%) - ⭐ **VA Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (70%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 58/100 | 168 | +0.160% | $2,103 | Sound ☺️ | | FHA | 67/100 | 69 | +0.413% | $2,202 | Strong πŸ˜€ | | VA | 66/100 | 21 | -0.286% | $2,394 | Strong πŸ˜€ | | USDA | 72/100 | 15 | +0.127% | $2,475 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 120 loans, Score: 54/100 (Sound) - Refinance: 48 loans, Score: 60/100 (Strong) **FHA:** - Purchase: 62 loans, Score: 66/100 (Strong) **VA:** - Purchase: 20 loans, Score: 65/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 60/100 | 217 | $48M | +0.158% | Sound ☺️ | | Refinance | 61/100 | 56 | $11M | +0.267% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | AR | 247 | 0.77% | 80/100 | | MS | 16 | 0.06% | 48/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 98 | 57/100 | | Fort Smith, AR | AR-OK | 72 | 75/100 | | Jonesboro, AR | AR | 49 | 89/100 | | Little Rock | AR | 25 | 58/100 | | Fayetteville | AR | 21 | 53/100 | ## Where This Lender Ranks First Financial Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Jonesboro, AR for FHA Loans - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/fha-loans) - πŸ₯‡ **#1** in Jonesboro, AR for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/fha-loans) - πŸ₯ˆ **#2** in Jonesboro, AR Banks - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks) - πŸ₯‰ **#3** in Fort Smith, AR for VA Loans (Banks) - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/va-loans) - πŸ₯‰ **#3** in Jonesboro, AR - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders) - πŸ₯‰ **#3** in Jonesboro, AR for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#4** in Fort Smith, AR Banks - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks) - πŸ† **#4** in Jonesboro, AR for Conventional Loans - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/conventional-loans) - πŸ† **#5** in Fort Smith, AR for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Fort Smith, AR for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/banks/fha-loans) - πŸ† **#6** in Arkansas for USDA Loans (Banks) - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/usda-loans) - πŸ† **#6** in Fort Smith, AR - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders) - πŸ† **#7** in Arkansas for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/fha-loans) - πŸ† **#7** in Fort Smith, AR for FHA Loans - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Fort Smith, AR for VA Loans - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/va-loans) - πŸ† **#9** in Fort Smith, AR for Conventional Loans - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/conventional-loans) - πŸ† **#11** in Arkansas Banks - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks) - πŸ† **#11** in Arkansas for FHA Loans - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/fha-loans) - πŸ† **#12** in Arkansas for VA Loans (Banks) - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/banks/va-loans) - πŸ† **#16** in Arkansas for USDA Loans - [View Full Rankings](https://saferate.com/arkansas/best-mortgage-lenders/usda-loans) ## Frequently Asked Questions ### What loan types does First Financial Bank offer? First Financial Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does First Financial Bank offer mortgages? First Financial Bank offers mortgages in 7 states: AL, AR, LA, MO, MS, NH, OK. ### How competitive are First Financial Bank's mortgage rates? First Financial Bank has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.182% above market average. ### What type of lender is First Financial Bank? First Financial Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in El Dorado, AR. ### What is First Financial Bank's loan approval success rate? First Financial Bank has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/first-financial-bank-ar ### How to Cite > "First Financial Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-financial-bank-ar --- **[View Interactive Profile β†’](https://saferate.com/lenders/first-financial-bank-ar)**