# First Savings Bank

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

> **📋 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 Savings Bank is a bank, headquartered in Jeffersonville, IN, serving borrowers across 2 states, with 124 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 64% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** WKN6AF1FCL7BBYGTGI83
- **Headquarters:** Jeffersonville, IN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IN, KY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.363%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $676
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 124
- **Dollar Volume:** $29 million
- **Applications Received:** 185
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $232,177
- **Average Borrower Income:** $113,226

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 123 | +0.363% | $676 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 94 loans, Score: 39/100 (Acceptable)
- Refinance: 29 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 94 | $22M | +0.350% | Acceptable 🙂 |
| Refinance | 41/100 | 30 | $6M | +0.391% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 121 | 0.13% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Louisville/Jefferson County, KY | KY-IN | 90 | 77/100 |
| Non |  | 34 | 44/100 |

## Frequently Asked Questions

### What loan types does First Savings Bank offer?

First Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Savings Bank offer mortgages?

First Savings Bank offers mortgages in 2 states: IN, KY.

### How competitive are First Savings Bank's mortgage rates?

First Savings Bank has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.363% above market average.

### What type of lender is First Savings Bank?

First Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jeffersonville, IN.

### What is First Savings Bank's loan approval success rate?

First Savings Bank has a pull-through score of 45/100 (Sound). 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-savings-bank

### How to Cite

> "First Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-savings-bank

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