Applications / Mortgage Analytics / Lenders / Texas / First Financial Bank / Fair lending
First Financial Bank
Abilene, TX · State member bank · FRS · $15.4 billion assets · 3,784 loans in 2025
3,784
loans originated, 2025
5,186
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
How to read this section
For Black, Hispanic and Asian applicants, we look at how much more often First Financial Bank turns them down than White applicants: the gap. Then we compare that gap with the gap at similar lenders, for similar applications: the same income, loan size, debt-to-income range, loan-to-value, loan type, kind of property and place.
"Bigger gap" means we are at least 99% sure the gap is bigger than at similar lenders. That is a reason to look closer, not proof of discrimination. The public data has no credit scores and none of the documents a lender reviews, and the kind of loans a lender makes can widen a gap for good reasons. Each result below gives the numbers and the explanations they allow.
First Financial Bank turns down some groups of applicants more often than White applicants. It turned down 11% of Hispanic purchase applicants in 2025, against 4% of White ones. Nearly every lender shows gaps like this, partly because the groups apply with different incomes, debts, loan sizes and properties. So the test does not ask whether there is a gap. It asks whether First Financial Bank's gap is bigger than the gap at similar lenders, for similar applications. For every group and loan purpose the answer was no: no gap was clearly bigger (that is, bigger with at least 99% certainty).
FIG. 1 — GAPS AGAINST SIMILAR LENDERS
None of First Financial Bank's gaps is clearly bigger than similar lenders'.
Each dot compares First Financial Bank's gap with the gap at similar lenders: at 1x they are the same, at 2x its gap is twice as large. A gap is how much more likely the group is to be turned down than White applicants. The line around each dot shows the range the true value probably lies in (95%). Amber: groups where we are at least 99% sure the gap is bigger.
SOURCE: FFIEC HMDA 2025; JENNER ANALYTICS NATIONAL DENIAL MODEL
| Applicants | Turned down: group | Turned down: White | How sure the gap is bigger | Result |
|---|---|---|---|---|
| Hispanic purchase | 11% | 4% | 58.9% | Not clearly bigger |
"How sure the gap is bigger": how sure we are that the lender's gap is bigger than at similar lenders. We call it bigger at 99% or more. Not tested, too few applications: Hispanic refinance, Black purchase, Black refinance, Asian purchase, Asian refinance. A test needs, for that loan purpose, at least 100 decided applications from the group and from White applicants, with at least 20 of each turned down and 20 approved.
How this is calculated: the fair-lending method.