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 score and performance metrics.

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 an overall pricing score of 48.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Financial Bank?

First Financial Bank is a Bank headquartered in El Dorado, AR.

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First Financial Bank

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First Financial Bank has 273 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Strong

4/5

Multi-Region · 4 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA and USDA loans

Explore another lender or local market

Report Card

First Financial Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+18.2 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Sound	Exceptional	168	61.5%	+0.160%Above	$2,103Fees
FHA Loans	Strong	Strong	Strong	Strong	69	25.3%	+0.413%Above	$2,202Fees
VA Loans	Sound	Strong	Sound	Strong	21	7.7%	-0.286%Below	$2,394Fees
USDA Loans	Strong	Strong	—	—	15	5.5%	+0.127%Above	$2,475Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Sound

Pull Through

Exceptional

Volume168

Mix61.5%

Spread

+0.160%Above

Fees

$2,103Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume69

Mix25.3%

Spread

+0.413%Above

Fees

$2,202Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume21

Mix7.7%

Spread

-0.286%Below

Fees

$2,394Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume15

Mix5.5%

Spread

+0.127%Above

Fees

$2,475Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Strong	217	79.5%	+0.158%Above	$2,305Fees
Refinance	Strong	Strong	Sound	Exceptional	56	20.5%	+0.267%Above	$1,656Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume217

Mix79.5%

Spread

+0.158%Above

Fees

$2,305Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Exceptional

Volume56

Mix20.5%

Spread

+0.267%Above

Fees

$1,656Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

273

Applications

334

Volume

$58 million

Pricing & Closing

Avg Rate Spread

+0.182%

vs. market APOR

Avg Net Fees

$2,161

Origination − Credits

Pullthrough Rate

81.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$213,425

Avg Borrower Income

$110,410

Avg Property Value

$267,821

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast1

Midwest1

South5

ALARLAMSOK

Top Metro Areas by Place Specialization Score

Jonesboro, ARMetro

Volume 49Mix 17.95% of portfolio

89/100

Exceptional

Fort Smith, AR, AR-OKMetro

Volume 72Mix 26.37% of portfolio

75/100

Strong

Little Rock, ARMetro

Volume 25Mix 9.16% of portfolio

58/100

Sound

Fayetteville, ARMetro

Volume 21Mix 7.69% of portfolio

53/100

Sound

Top States by Place Specialization Score

ArkansasState

Volume 247Mix 90.48% of portfolio

80/100

Exceptional

MississippiState

Volume 16Mix 5.86% of portfolio

48/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.