First Financial Bank
First Financial Bank received 566 applications in 2025 and made 437 mortgages, in 66 counties across 12 states. The median rate its borrowers got was 6.624% on a median loan of $195,000. Of 483 decisions, 36 were denials — 7.4%, most often for credit history.
| Legal Entity Identifier | 254900CNZPI5WN45KW48 |
|---|---|
| Applications received | 566 |
| Mortgages made | 437 |
| Denied | 36 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 83 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2785 points |
| FDIC-insured bank | Yes: First Financial Bank, 83 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 344 | 6.500% | $205,000 | 5.6% |
| Refinancing | 45 | 7.125% | $215,000 | 13.2% |
| Cash-out refinancing | 41 | 7.000% | $115,000 | 12.8% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 22.2% |
Where First Financial Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sebastian County, AR | 62 | 6.375% | 3.1% |
| Union County, AR | 58 | 7.188% | 9.4% |
| Craighead County, AR | 50 | 6.125% | 8.6% |
| Washington County, AR | 29 | 6.624% | 6.5% |
| Crawford County, AR | 26 | 6.375% | 0.0% |
| Poinsett County, AR | 24 | 6.938% | 16.1% |
| Benton County, AR | 22 | 6.433% | 4.2% |
| Faulkner County, AR | 18 | 6.125% | 0.0% |
| Pulaski County, AR | 17 | 6.125% | 10.5% |
| Cross County, AR | 15 | 7.250% | 11.8% |
| Leake County, MS | 10 | 7.250% | 16.7% |
| Greene County, AR | 8 | Under 10 loans | 10.0% |
| Polk County, AR | 8 | Under 10 loans | 11.1% |
| White County, AR | 8 | Under 10 loans | 11.1% |
| Sequoyah County, OK | 7 | Under 10 loans | 0.0% |
| Cleburne County, AR | 6 | Under 10 loans | 0.0% |
| Le Flore County, OK | 5 | Under 10 loans | 16.7% |
| Clark County, AR | 3 | Under 10 loans | 0.0% |
| Saline County, AR | 3 | Under 10 loans | 0.0% |
| Scott County, AR | 3 | Under 10 loans | 0.0% |
| Woodruff County, AR | 3 | Under 10 loans | 0.0% |
| Scott County, MS | 3 | Under 10 loans | 0.0% |
| Crittenden County, AR | 2 | Under 10 loans | 0.0% |
| Franklin County, AR | 2 | Under 10 loans | 0.0% |
| Lawrence County, AR | 2 | Under 10 loans | 33.3% |
| Mississippi County, AR | 2 | Under 10 loans | 33.3% |
| Montgomery County, AR | 2 | Under 10 loans | 25.0% |
| Ouachita County, AR | 2 | Under 10 loans | 33.3% |
| Attala County, MS | 2 | Under 10 loans | 0.0% |
| McCurtain County, OK | 2 | Under 10 loans | 0.0% |
| Sumter County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Calhoun County, AR | 1 | Under 10 loans | 0.0% |
| Cleveland County, AR | 1 | Under 10 loans | 0.0% |
| Garland County, AR | 1 | Under 10 loans | 0.0% |
| Izard County, AR | 1 | Under 10 loans | 0.0% |
| Johnson County, AR | 1 | Under 10 loans | 0.0% |
| Logan County, AR | 1 | Under 10 loans | 0.0% |
| Lonoke County, AR | 1 | Under 10 loans | 0.0% |
| Pope County, AR | 1 | Under 10 loans | 0.0% |
| Randolph County, AR | 1 | Under 10 loans | 0.0% |
| Stone County, AR | 1 | Under 10 loans | 0.0% |
| Van Buren County, AR | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| Allen County, IN | 1 | Under 10 loans | 0.0% |
| Caddo Parish, LA | 1 | Under 10 loans | 0.0% |
| Claiborne Parish, LA | 1 | Under 10 loans | 0.0% |
| DeSoto County, MS | 1 | Under 10 loans | 0.0% |
| Neshoba County, MS | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.