PlainLender

First Financial Bank

EL DORADO, AR

First Financial Bank processed 414 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 337 loans with a 3.9% denial rate. Home Purchase was the primary loan purpose. Based in EL DORADO, AR. The approval rate of 81.4% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. First Financial Bank processed 414 HMDA-reported mortgage applications in 2024, originating 337 loans and denying 16 for a denial rate of 3.9% (applicants themselves withdrew 56 files before a decision). The average loan amount was $190,821 at a 6.736% average note rate, and applicants self-reported an average income of $34,000. The lender reports under LEI 254900CNZPI5WN45KW48 from EL DORADO, AR.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Financial Bank's 81.4% origination rate tells you how often an application turned into funded money; the 3.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (267 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

414
Applications
337
Originated
3.9%
Denial Rate
$190,821
Avg Loan Amount
Avg Interest Rate: 6.736% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 267 230 7 $175,150
FHA 95 69 8 $212,263
VA 34 23 1 $263,824
USDA 18 15 0 $172,222

Top loan types — First Financial Bank

Top loan types — First Financial Bank Horizontal bar chart of the top 4 items by value (applications). Top loan types — First Financial Bank Top 4 1. Conventional 267 2. FHA 95 3. VA 34 4. USDA 18 Top 5 loan types by application volume at First Financial Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First Financial Bank (LEI: 254900CNZPI5WN45KW48) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
6
Other
5
Credit history
3
Employment history
2
Unverifiable information
2
Collateral
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 320 252 $198,875
Cash-out Refinancing 44 39 $152,955
Refinancing 32 28 $234,063
Other 14 14 $74,286
Home Improvement 4 4 $25,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 326 82.5% 4.3%
Black or African American 18 83.3% 5.6%
Asian 12 83.3% 0.0%
Joint 12 91.7% 8.3%
American Indian or Alaska Native 4 25.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 313 80.8% 4.8%
Hispanic or Latino 38 68.4% 2.6%
Joint 8 100.0% 0.0%

Nearby Lenders in AR

Other HMDA-reporting lenders in AR with similar activity. Compare any two side-by-side.

BANK OF ENGLAND

ENGLAND, AR

5,645 apps 3,672 originated 5.4% denied

SIMMONS BANK

PINE BLUFF, AR

5,087 apps 3,161 originated 24.0% denied

Centennial Bank

Conway, AR

4,878 apps 2,631 originated 17.7% denied

BANK OZK

LITTLE ROCK, AR

4,543 apps 1,840 originated 34.5% denied

ARKANSAS FEDERAL CREDIT UNION

LITTLE ROCK, AR

4,140 apps 2,432 originated 22.0% denied
Compare First Financial Bank vs BANK OF ENGLAND →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did First Financial Bank process?
First Financial Bank processed 414 mortgage applications in the 2023 HMDA reporting year. Of these, 337 were originated (approved and funded), 56 were withdrawn by the applicant, and 16 were denied.
What is First Financial Bank's mortgage approval rate?
First Financial Bank has an approval (origination) rate of 81.4%, meaning 81.4% of all applications resulted in a funded mortgage. The denial rate is 3.9%.
What is the average loan amount at First Financial Bank?
The average mortgage loan amount at First Financial Bank is $190,821. The average interest rate is 6.736%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at First Financial Bank?
The most common reasons for mortgage denial at First Financial Bank are: Debt-to-income ratio, Other, Credit history. In total, 16 applications were denied out of 414 total applications.
What types of mortgage loans does First Financial Bank offer?
First Financial Bank processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 267 applications and an average loan amount of $175,150.
What loan purposes does First Financial Bank serve?
First Financial Bank serves the following loan purposes: Home Purchase (320 applications), Cash-out Refinancing (44 applications), Refinancing (32 applications), Other (14 applications), Home Improvement (4 applications). Home Purchase is the most common purpose.
Where is First Financial Bank located?
First Financial Bank is headquartered in EL DORADO, AR. The lender is identified by LEI 254900CNZPI5WN45KW48 in HMDA data.
How does First Financial Bank compare in lending across racial demographics?
First Financial Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 82.5% and denial rate of 4.3%; Black or African American applicants have an approval rate of 83.3% and denial rate of 5.6%; Asian applicants have an approval rate of 83.3% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.