First Financial Bank Mortgage Rates, Fees & Info
Abilene, TXLEI: 549300IVURCTJ6QVMD67
Tax ID: 75-0264200
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Mortgage Data
Review & Overview
First Financial Bank is a small bank specializing in Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Houston, Abilene, College Station, and San Angelo among others. We have data for 73 markets. (Some data included below & more in-depth data is available with an active subscription.)First Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.77% | 4/16/25 |
| 30 Year Conventional Purchase | 7.22% | 4/16/25 |
| 30 Year Conventional Refi | 7.02% | 4/16/25 |
| 30 Year Cash-out Refi | 7.31% | 4/16/25 |
| 30 Year FHA Purchase | 7.26% | 4/16/25 |
| 30 Year FHA Refi | 6.72% | 4/16/25 |
| 30 Year VA Purchase | 6.32% | 4/16/25 |
| 30 Year VA Refi | 5.98% | 4/16/25 |
| 30 Year USDA Purchase | 6.72% | 4/16/25 |
| 15 Year Conventional Purchase | 6.88% | 4/16/25 |
| 15 Year Conventional Refi | 6.92% | 4/16/25 |
| 15 Year Cash-out Refi | 6.92% | 4/16/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Financial Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First Financial Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,975Origination Dollar Volume (All Markets)
$1,095,825,000Awards
First Financial Bank - 2024
First Financial Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
First Financial Bank's average 30 year fixed mortgage rate was
6.93%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.38%.
Relative Fees (Closing Costs)
First Financial Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $6,123.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1,324 | $405,050,000 | $305,929 | $5,288 | 7.38% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 478 | $168,340,000 | $352,176 | $4,716 | 7.46% |
| ABILENE, TX (FHA|USDA|VA) | 733 | $159,295,000 | $217,319 | $5,400 | 7.12% |
| Outside of Metro Areas | 312 | $61,550,000 | $197,276 | $4,183 | 7.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 204 | $55,590,000 | $272,500 | $5,444 | 7.30% |
| SAN ANGELO, TX (FHA|USDA|VA) | 172 | $41,930,000 | $243,779 | $5,753 | 7.12% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 184 | $38,980,000 | $211,848 | $5,566 | 7.69% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 62 | $28,650,000 | $462,097 | $7,647 | 7.17% |
| Granbury, TX (FHA|USDA|VA) | 84 | $25,300,000 | $301,190 | $4,347 | 7.25% |
| Stephenville, TX (FHA|USDA|VA) | 92 | $22,110,000 | $240,326 | $4,467 | 7.54% |
| Mineral Wells, TX (FHA|USDA|VA) | 61 | $13,395,000 | $219,590 | $4,998 | 7.55% |
| Huntsville, TX (FHA|USDA|VA) | 28 | $7,750,000 | $276,786 | $3,320 | 7.58% |
| Athens, TX (FHA|USDA|VA) | 7 | $7,235,000 | $1,033,571 | $7,208 | 7.44% |
| MIDLAND, TX (FHA|USDA|VA) | 14 | $3,820,000 | $272,857 | $5,506 | 7.41% |
| Sweetwater, TX (FHA|USDA|VA) | 35 | $3,735,000 | $106,714 | $2,884 | 7.86% |
| LUBBOCK, TX (FHA|USDA|VA) | 14 | $3,580,000 | $255,714 | $3,725 | 7.90% |
| Brownwood, TX (FHA|USDA|VA) | 10 | $3,260,000 | $326,000 | $6,142 | 7.52% |
| AMARILLO, TX (FHA|USDA|VA) | 12 | $2,960,000 | $246,667 | $7,124 | 7.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $2,770,000 | $346,250 | $7,697 | 6.81% |
| Kerrville, TX (FHA|USDA|VA) | 3 | $2,285,000 | $761,667 | $15,035 | 7.19% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 7 | $2,275,000 | $325,000 | $4,126 | 7.77% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $2,070,000 | $1,035,000 | $0 | 7.60% |
| ODESSA, TX (FHA|USDA|VA) | 11 | $1,985,000 | $180,455 | $3,464 | 7.75% |
| El Campo, TX (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $3,733 | 7.84% |
| Hereford, TX (FHA|USDA|VA) | 15 | $1,675,000 | $111,667 | $2,648 | 7.94% |
| Fredericksburg, TX (FHA|USDA|VA) | 3 | $1,665,000 | $555,000 | $10,107 | 7.13% |
| Corsicana, TX (FHA|USDA|VA) | 6 | $1,590,000 | $265,000 | $5,055 | 7.41% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $1,535,000 | $307,000 | $10,139 | 7.55% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $9,062 | 6.38% |
| Snyder, TX (FHA|USDA|VA) | 7 | $1,105,000 | $157,857 | $2,901 | 7.45% |
| WACO, TX (FHA|USDA|VA) | 5 | $1,025,000 | $205,000 | $4,629 | 7.08% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,328 | 7.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $6,436 | 6.38% |
| Brenham, TX (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $2,205 | 7.03% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $4,038 | 8.11% |
| Rockport, TX (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $9,774 | 7.56% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $4,684 | 7.19% |
| Bay City, TX (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $3,859 | 7.70% |
| Nacogdoches, TX (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,574 | 6.83% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $10,606 | 6.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 7.38% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $5,061 | 7.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $12,124 | 6.63% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $3,219 | 8.02% |
| Durango, CO (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 7.00% |
| TULSA, OK (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,157 | 6.94% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,778 | 7.25% |
| TYLER, TX (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $0 | 7.61% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 7.38% |
| Palestine, TX (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $7,983 | 8.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,895 | 7.75% |
| Jacksonville, TX (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,365 | 7.20% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 7.55% |
| Clovis, NM (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,379 | 7.85% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,098 | 6.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,320 | 6.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,301 | 6.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,831 | 5.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,899 | 7.13% |
| ENID, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,157 | 6.63% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,518 | 8.28% |
| Paris, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,229 | 7.75% |
| Russellville, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,686 | 6.88% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,855 | 7.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,597 | 5.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,346 | 6.63% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,011 | 6.13% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,980 | 6.25% |
| Levelland, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.50% |
| Taos, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,928 | 6.33% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.39% |
| Borger, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,273 | 6.95% |
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We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, First Financial Bank's most frequently originated type of loan was Conventional, with 2,929 originations. Their 2nd most popular type was HELOC, with 682 originations.
Loan Reason
For 2024, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 2,592 originations. The 2nd most popular reason was Home Improvement, with 622 originations.
Loan Duration/Length
For 2024, First Financial Bank's most frequently cited loan duration was 30 Year, with 1,908 originations. The 2nd most popular length was 20 Year, with 850 originations.
Origination Fees/Closing Costs
First Financial Bank's average total fees were $6,123, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,284 originations.
Interest Rates
During 2024, First Financial Bank's average interest rate for loans was 6.93%, while their most frequently originated rate bucket for loans was 7-8%, with 1,672 originations.
Loan Sizing
2024 saw First Financial Bank place emphasis on $200k-400k loans with 1,475 originations, totaling $400,095,000 in origination value.
Applicant Income
First Financial Bank lent most frequently to those with incomes in the $100k-150k range, with 795 originations. The second most popular income band? $150k-250k, with 771 originations.
Applicant Debt to Income Ratio
First Financial Bank lent most frequently to those with DTI ratios of 30-36%, with 647 originations. The next most common DTI ratio? 20-30%, with 639 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.12%
First Financial Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.29%
First Financial Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,975 | $1,095,825,000 | $275,679 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,975 | $1,095,825,000 | $275,679 |