Lender in Texas · HMDA 2025
First Financial Bank mortgages in Texas
First Financial Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
First Financial Bank originated 2,124 owner-occupied single-family loans in Texas from 2,306 completed applications.
Its median conventional purchase loan costs were $4,650 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.65% (Texas: 6.50%).
Loans in TX
2,124
of 2,306 applications
Denial rate
6.2%
Purchase · TX 10.2%
Rate spread
+0.33 pts
Conv. · TX +0.09 pts
Loan amount
$265,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,948 | 1,819 | 6.2% | 6.650% | +0.33 pts | $4,650 | $265,000 |
| Refinance | 176 | 150 | 13.6% | 6.750% | +0.16 pts | $4,720 | $275,000 |
| Cash-out refinance | 182 | 155 | 13.7% | 6.750% | +0.90 pts | $3,960 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where First Financial Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 48.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Taylor County | 1 | 502 | 21.0% |
| Callahan County | 1 | 29 | 14.0% |
| Eastland County | 1 | 29 | 23.2% |
| Robertson County | 1 | 16 | 9.8% |
| Shackelford County | 1 | 6 | 31.6% |
| Haskell County | 1 | 5 | 13.2% |
| Irion County | 1 | 3 | 37.5% |
| Kent County | 1 | 3 | 60.0% |
| Nolan County | 2 | 16 | 14.7% |
| Jones County | 2 | 14 | 10.0% |
| Fisher County | 2 | 5 | 22.7% |
| Erath County | 3 | 29 | 7.9% |
| Comanche County | 3 | 12 | 8.5% |
| Somervell County | 3 | 6 | 4.8% |
| Hamilton County | 3 | 5 | 6.6% |
| Tom Green County | 4 | 115 | 7.5% |
| Palo Pinto County | 4 | 15 | 5.3% |
| Coleman County | 4 | 3 | 5.7% |
| Deaf Smith County | 5 | 8 | 6.2% |
| Jack County | 5 | 3 | 3.1% |
| Concho County | 6 | 1 | 6.3% |
| Brazos County | 7 | 94 | 3.8% |
| Parker County | 7 | 83 | 2.3% |
| Grimes County | 7 | 12 | 2.9% |
| Sutton County | 7 | 1 | 6.7% |
| Hood County | 8 | 42 | 3.2% |
| Stephens County | 8 | 2 | 3.0% |
| Schleicher County | 8 | 1 | 7.7% |
| Runnels County | 9 | 3 | 4.5% |
| Burleson County | 10 | 6 | 2.6% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology