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First Financial Bank

Bank•Terre Haute, INHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Financial Bank — 407 loans across 663 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate 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
Place
Strong
4/5
Multi-Region · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

First Financial Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+30.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume382
Mix93.9%
Spread
+0.278%Above
Fees
$1,054Fees
FHA Loans
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Mediocre
Volume11
Mix2.7%
Spread
+0.908%Above
Fees
$1,588Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume274
Mix67.3%
Spread
+0.313%Above
Fees
$1,060Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume133
Mix32.7%
Spread
+0.256%Above
Fees
$1,144Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
407
Applications
663
Volume
$81 million
Pricing & Closing
Avg Rate Spread
+0.303%
vs. market APOR
Avg Net Fees
$1,074
Origination − Credits
Pullthrough Rate
61.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$201,093
Avg Borrower Income
$135,152
Avg Property Value
$292,617

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINOH
South4
FLKYSCTN

Top Metro Areas by Place Specialization Score

1© Huwmanbeing (original), Yassie (jpeg conversion) · Public domain
Terre Haute, INMetro
Volume 200Mix 49.14% of portfolio
100/100
Exceptional
2© Quintin Soloviev · CC BY 4.0
Nashville, TNMetro
Volume 16Mix 3.93% of portfolio
47/100
Sound
3© Unknown · CC BY-SA 3.0
Champaign, ILMetro
Volume 12Mix 2.95% of portfolio
47/100
Sound
4© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 16Mix 3.93% of portfolio
47/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 268Mix 65.85% of portfolio
76/100
Strong
Illinois
Illinois
2
IllinoisState
Volume 80Mix 19.66% of portfolio
62/100
Strong
Kentucky
Kentucky
3
KentuckyState
Volume 29Mix 7.13% of portfolio
53/100
Sound
Tennessee
Tennessee
4
TennesseeState
Volume 24Mix 5.90% 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.