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
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 11 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
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Report Card
First Financial Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+46.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Sound
Top 60% 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 · 12 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 | 1,871 | 88.0% | +0.474%Above | $1,492Fees | ||||
FHA Loans | 109 | 5.1% | +0.598%Above | $1,657Fees | ||||
VA Loans | 23 | 1.1% | +0.228%Above | $1,669Fees | ||||
Jumbo Loans | 113 | 5.3% | +0.233%Above | $1,168Fees | ||||
USDA Loans | — | 11 | 0.5% | +0.304%Above | $1,270Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,871
Mix88.0%
Spread
+0.474%Above
Fees
$1,492Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume109
Mix5.1%
Spread
+0.598%Above
Fees
$1,657Fees
VA Loans
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume23
Mix1.1%
Spread
+0.228%Above
Fees
$1,669Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume113
Mix5.3%
Spread
+0.233%Above
Fees
$1,168Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume11
Mix0.5%
Spread
+0.304%Above
Fees
$1,270Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,851 | 87.0% | +0.444%Above | $1,555Fees | ||||
Refinance | 276 | 13.0% | +0.606%Above | $1,087Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume1,851
Mix87.0%
Spread
+0.444%Above
Fees
$1,555Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume276
Mix13.0%
Spread
+0.606%Above
Fees
$1,087Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,127
Applications
3,059
Volume
$622 million
Pricing & Closing
Avg Rate Spread
+0.466%
vs. market APOR
Avg Net Fees
$1,489
Origination − Credits
Pullthrough Rate
69.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$292,485
Avg Borrower Income
$134,111
Avg Property Value
$366,091
Geographic Coverage
Geographic Performance
Metro Areas
11
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Midwest5
ILINMIOHSD
South4
FLKYNCSC
Top Metro Areas by Place Specialization Score
Volume 406Mix 19.09% of portfolio
89/100
Exceptional
Volume 453Mix 21.30% of portfolio
88/100
ExceptionalVolume 104Mix 4.89% of portfolio
87/100
Exceptional
Volume 326Mix 15.33% of portfolio
84/100
Exceptional
Volume 89Mix 4.18% of portfolio
75/100
Strong
Volume 103Mix 4.84% of portfolio
66/100
Strong
Volume 72Mix 3.39% of portfolio
64/100
Strong
Volume 41Mix 1.93% of portfolio
60/100
Strong
Volume 25Mix 1.18% of portfolio
54/100
Sound
Volume 26Mix 1.22% of portfolio
50/100
SoundShowing 10 of 11 metro areas
Top States by Place Specialization Score
1
KentuckyState
Volume 455Mix 21.39% of portfolio
83/100
Exceptional2
OhioState
Volume 914Mix 42.97% of portfolio
83/100
Exceptional3
IndianaState
Volume 700Mix 32.91% of portfolio
82/100
Exceptional4
IllinoisState
Volume 28Mix 1.32% of portfolio
46/100
Sound5
FloridaState
Volume 16Mix 0.75% of portfolio
36/100
AcceptableHow 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.