# First Financial Bank, National Association

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


> **📋 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 Abilene, TX, serving borrowers across 13 states, with 2,149 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 61% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 13% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300IVURCTJ6QVMD67
- **Headquarters:** Abilene, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AL, AR, AZ, CA, CO, GA, LA, NC, NM, OK, SC, TN, TX
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 87/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.479%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,407
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,149
- **Dollar Volume:** $696 million
- **Applications Received:** 2,774
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $324,046
- **Average Borrower Income:** $156,886
- **Average Property Value:** $441,864

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 1,731 | +0.545% | $1,382 | Exceptional 🤩 |
| FHA | 78/100 | 222 | +0.412% | $1,867 | Strong 😀 |
| VA | 77/100 | 126 | -0.477% | $786 | Strong 😀 |
| Jumbo | 77/100 | 69 | +0.799% | $1,901 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,519 loans, Score: 85/100 (Exceptional)
- Refinance: 212 loans, Score: 78/100 (Strong)

**FHA:**
- Purchase: 222 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 126 loans, Score: 77/100 (Strong)

**Jumbo:**
- Purchase: 63 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 1,931 | $641M | +0.452% | Exceptional 🤩 |
| Refinance | 77/100 | 218 | $56M | +0.713% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,119 | 0.61% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Abilene, TX | TX | 440 | 100/100 |
| Fort Worth | TX | 430 | 88/100 |
| Non |  | 326 | 66/100 |
| Houston | TX | 287 | 75/100 |
| Dallas | TX | 283 | 76/100 |
| San Angelo, TX | TX | 110 | 86/100 |
| College Station | TX | 89 | 86/100 |
| Beaumont | TX | 78 | 80/100 |
| Austin | TX | 45 | 57/100 |

## Where This Lender Ranks

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

### Best Overall Mortgage Lenders

- 🥇 **#1** in Abilene, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Abilene, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Abilene, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Abilene, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Abilene, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Fort Worth for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in San Angelo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in San Angelo, TX for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in San Angelo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in San Angelo, TX for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in San Angelo, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in College Station for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in College Station for FHA Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in College Station for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Beaumont for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/beaumont/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Texas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Abilene, TX
  - [View Full Rankings](https://saferate.com/abilene-tx/best-mortgage-lenders)
- 🥈 **#2** in Fort Worth for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-worth/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Houston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Dallas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/banks/fha-loans)

## 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, VA, Jumbo. 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 13 states: AL, AR, AZ, CA, CO, GA, LA, NC, NM, OK, SC, TN, TX.

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

First Financial Bank, National Association has a pricing score of 39/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.479% 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 Abilene, TX.

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

First Financial Bank, National Association has a pull-through score of 87/100 (Exceptional). 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-tx

### How to Cite

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

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