We analyzed every closed loan from First Financial Bank — 2.1k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Exceptional
5/5
Multi-Region · 8 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
First Financial Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+47.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 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 | 1,731 | 80.5% | +0.545%Above | $1,382Fees | ||||
FHA Loans | 222 | 10.3% | +0.412%Above | $1,867Fees | ||||
VA Loans | 126 | 5.9% | -0.477%Below | $786Fees | ||||
Jumbo Loans | 69 | 3.2% | +0.799%Above | $1,901Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,731
Mix80.5%
Spread
+0.545%Above
Fees
$1,382Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughExceptional
Volume222
Mix10.3%
Spread
+0.412%Above
Fees
$1,867Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume126
Mix5.9%
Spread
-0.477%Below
Fees
$786Fees
Jumbo Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume69
Mix3.2%
Spread
+0.799%Above
Fees
$1,901Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,931 | 89.9% | +0.452%Above | $1,436Fees | ||||
Refinance | 218 | 10.1% | +0.713%Above | $1,160Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,931
Mix89.9%
Spread
+0.452%Above
Fees
$1,436Fees
Refinance
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume218
Mix10.1%
Spread
+0.713%Above
Fees
$1,160Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,149
Applications
2,774
Volume
$696 million
Pricing & Closing
Avg Rate Spread
+0.479%
vs. market APOR
Avg Net Fees
$1,407
Origination − Credits
Pullthrough Rate
77.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$324,046
Avg Borrower Income
$156,886
Avg Property Value
$441,864
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
13South9
ALARGALANCOKSCTNTX
West4
AZCACONM
Top Metro Areas by Place Specialization Score
Volume 440Mix 20.47% of portfolio
100/100
Exceptional
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 430Mix 20.01% of portfolio
88/100
Exceptional
Volume 89Mix 4.14% of portfolio
86/100
Exceptional
Volume 110Mix 5.12% of portfolio
86/100
Exceptional
Volume 78Mix 3.63% of portfolio
80/100
Strong
Volume 283Mix 13.17% of portfolio
76/100
Strong
Volume 287Mix 13.36% of portfolio
75/100
Strong
Volume 45Mix 2.09% of portfolio
57/100
SoundTop States by Place Specialization Score
1
TexasState
Volume 2,119Mix 98.60% of portfolio
89/100
ExceptionalHow 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.