# First Financial Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/first-financial-bank-national-association-in


> **📋 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, National Association is a bank, headquartered in Terre Haute, IN, serving borrowers across 7 states, with 407 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 42% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300E0S1LZYZ9QNX81
- **Headquarters:** Terre Haute, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IL, IN, KY, OH, SC, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.303%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,074
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 407
- **Dollar Volume:** $82 million
- **Applications Received:** 663
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $201,093
- **Average Borrower Income:** $135,152
- **Average Property Value:** $292,617

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 73/100 | 382 | +0.278% | $1,054 | Strong 😀 |
| FHA | 35/100 | 11 | +0.908% | $1,588 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 252 loans, Score: 69/100 (Strong)
- Refinance: 130 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 67/100 | 274 | $67M | +0.313% | Strong 😀 |
| Refinance | 74/100 | 133 | $15M | +0.256% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 268 | 0.29% | 76/100 |
| IL | 80 | 0.06% | 62/100 |
| KY | 29 | 0.06% | 53/100 |
| TN | 24 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Terre Haute, IN | IN | 200 | 100/100 |
| Non |  | 125 | 59/100 |
| Indianapolis | IN | 16 | 47/100 |
| Nashville | TN | 16 | 47/100 |
| Champaign | IL | 12 | 47/100 |

## Where This Lender Ranks

First Financial Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Terre Haute, IN Banks
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/banks)
- 🥉 **#3** in Terre Haute, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Terre Haute, IN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Terre Haute, IN
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders)
- 🏆 **#5** in Terre Haute, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Champaign for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/champaign/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Terre Haute, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Indiana for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Indiana Banks
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First Financial Bank, National Association offer?

First Financial Bank, National Association offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Financial Bank, National Association offer mortgages?

First Financial Bank, National Association offers mortgages in 7 states: FL, IL, IN, KY, OH, SC, TN.

### How competitive are First Financial Bank, National Association's mortgage rates?

First Financial Bank, National Association has a pricing score of 58/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.303% above market average.

### What type of lender is First Financial Bank, National Association?

First Financial Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Terre Haute, IN.

### What is First Financial Bank, National Association's loan approval success rate?

First Financial Bank, National Association has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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-national-association-in

### How to Cite

> "First Financial Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-financial-bank-national-association-in

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