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First Financial Bank
Bank|El Dorado, AR|Multi-Region
Loans Originated
273
Applications
334
Volume
$58 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.182%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,161
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
Report Card
First Financial Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 5 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$213,425
Average Borrower Income
$110,410
Average Property Value
$267,821
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% | $2,103 |
FHA Loans | Strong | Strong | Strong | Strong | 69 | 25.3% | +0.413% | $2,202 |
VA Loans | Strong | Strong | Sound | Strong | 21 | 7.7% | -0.286% | $2,394 |
USDA Loans | Strong | Strong | N/A | N/A | 15 | 5.5% | +0.127% | $2,475 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Strong | 217 | 79.5% | +0.158% | $2,305 |
Refinance | Strong | Strong | Sound | Exceptional | 56 | 20.5% | +0.267% | $1,656 |
Geographic Coverage
Metro Areas
4
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARLAMOMSNHOK
Top Metro Areas by Place Specialization Score
1
Jonesboro, AR, ARMSA
Volume: 49Mix: 17.95%
Place Specialization
Exceptional
2
Fort Smith, AR, AR-OKMSA
Volume: 72Mix: 26.37%
Place Specialization
Strong
3
Little Rock, ARMSA
Volume: 25Mix: 9.16%
Place Specialization
Sound
4
Fayetteville, ARMSA
Volume: 21Mix: 7.69%
Place Specialization
Sound
Top States by Place Specialization Score
1
ARState
Volume: 247Mix: 90.48%
Place Specialization
Exceptional
2
MSState
Volume: 16Mix: 5.86%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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