# First Financial Bank

> **Canonical URL:** https://saferate.com/lenders/first-financial-bank-ar

> **📋 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 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| VA | 66/100 | 21 | -0.286% | $2,394 | Strong 😀 |
| USDA | 72/100 | 15 | +0.127% | $2,475 | Strong 😀 |

### 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 😀 |

## 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 |

## 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.

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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:** 2026-05-29
**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

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