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
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
First Financial Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+46.6 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,871 loans · 0.47% above market
Exceptional
Top 20% of lenders
5/5
FHA
109 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
VA
23 loans · 0.23% above market
Sound
Top 60% of lenders
3/5
Jumbo
113 loans · 0.23% above market
Exceptional
Top 20% of lenders
5/5
USDA
11 loans · 0.30% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
1,851 loans · 0.44% above market
Exceptional
Top 20% of lenders
5/5
Refinance
276 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Strong
Top 40% of lenders
4/5
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
9Full-year 2024 · HMDALoans originated
< 2020–500500+None
Midwest5
ILINMIOHSD
South4
FLKYNCSC
Top Metro Areas by Place Specialization Score
Showing 10 of 11 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.