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First Financial Bank, National Association
Bank|Terre Haute, IN|Multi-Region
Loans Originated
407
Applications
663
Volume
$81 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.303%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,074
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
First Financial Bank, National Association 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 | Strong | Highly Competitive | |
FHA | Acceptable | Near industry average | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | 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
$201,093
Average Borrower Income
$135,152
Average Property Value
$292,617
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 382 | 93.9% | +0.278% | $1,054 |
FHA Loans | Mediocre | Acceptable | N/A | Mediocre | 11 | 2.7% | +0.908% | $1,588 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 274 | 67.3% | +0.313% | $1,060 |
Refinance | Strong | Strong | Strong | Strong | 133 | 32.7% | +0.256% | $1,144 |
Geographic Coverage
Metro Areas
4
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
FLILINKYOHSCTN
Top Metro Areas by Place Specialization Score
1
Terre Haute, IN, INMSA
Volume: 200Mix: 49.14%
Place Specialization
Exceptional
2
Nashville, TNMSA
Volume: 16Mix: 3.93%
Place Specialization
Sound
3
Champaign, ILMSA
Volume: 12Mix: 2.95%
Place Specialization
Sound
4
Indianapolis, INMSA
Volume: 16Mix: 3.93%
Place Specialization
Sound
Top States by Place Specialization Score
1
INState
Volume: 268Mix: 65.85%
Place Specialization
Strong
2
ILState
Volume: 80Mix: 19.66%
Place Specialization
Strong
3
KYState
Volume: 29Mix: 7.13%
Place Specialization
Sound
4
TNState
Volume: 24Mix: 5.90%
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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