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First Financial Bank in Indiana

HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview

LEI MV4O55SH8HO6KQSGW013
Reporting agency Federal Reserve System
State Indiana

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Indiana, First Financial Bank reported 4,073 applications and 2,618 originations for 2024, $370m in all.

Its denial rate in the state was 30.7%, above the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 29.8%.

The median rate spread on its Indiana originations was 0.5 percentage points (state median 0.5).

Applications in the state were about level with 2023.

4,073applications in IN, 202440.6% of the lender's total
2,618loans originated$370m
30.7%denial rateIN all lenders 21.5%
0.5 ppmedian rate spreadIN 0.5 pp

Compared with the state and the lender's national record

MeasureIn IndianaIndiana, all lendersFirst Financial Bank, all statesUnited States
Denial rate30.7%21.5%29.8%24.3%
Median rate spread, pp0.50.50.40.3
Originations with spread of 1.5 pp or more21.4%15.8%18.1%15.6%
Average originated loan$141k$216k$200k$329k
Home purchase share32.1%53.1%42.8%57.0%
FHA-insured share1.3%14.5%1.8%13.4%
VA-guaranteed share0.5%6.0%0.4%7.9%

Trend by year

ApplicationsOriginations

02245.54,4912022: 4,491 Applications2023: 4,039 Applications2024: 4,073 Applications2022: 2,906 Originations2023: 2,594 Originations2024: 2,618 Originations202220232024
First Financial Bank in Indiana: applications and originations, 2022–2024

This lender in stateIndiana, all lenders

0%15.8%31.6%2022: 29.9% This lender in state2023: 31.6% This lender in state2024: 30.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Indiana

By purpose

Home purchase 32% (840)Home improvement 17% (444)Refinancing 2% (46)Cash-out refinancing 27% (696)Other purpose 23% (592)

By type

Conventional 98% (2,560)FHA 1% (35)VA 1% (14)USDA 0% (9)

Denial reasons as coded

Debt-to-income ratio34.4%
Credit history30.4%
Credit application incomplete21.2%
Collateral11.1%
Other1.7%
Employment history0.5%
Unverifiable information0.4%
Insufficient cash (downpayment, closing costs)0.3%
Mortgage insurance denied0%

Share of 1,179 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).

Counties in Indiana

CountyApplicationsOriginationsAmountDenial rate
Lake County461276$40m35.0%
Bartholomew County345238$43m25.1%
Marion County305162$22m40.9%
Wayne County233156$13m29.7%
Johnson County160110$18m26.3%
Hamilton County156109$24m23.6%
Jefferson County169101$8.0m35.2%
Dearborn County13392$11m25.0%
Franklin County12090$13m22.2%
Decatur County12889$11m23.7%
Jennings County11881$9.7m27.7%
Ripley County12480$11m27.7%
Fayette County11471$4.5m33.3%
Floyd County9464$9.3m28.1%
Shelby County8661$10m25.6%
Jackson County7954$6.5m28.0%
Rush County8453$5.2m30.4%
Clark County8047$6.1m36.0%
Carroll County7645$5.8m33.8%
Jay County6441$4.0m33.9%
Switzerland County5841$3.7m24.1%
Porter County6240$11m28.6%
Hendricks County5639$6.8m30.4%
Montgomery County5038$3.4m20.8%
Boone County4734$14m22.2%
Warren County4033$3.8m13.2%
Henry County5032$2.4m31.9%
Monroe County4329$6.3m25.0%
Randolph County3825$2.1m30.6%
Ohio County3223$2.6m23.3%
Morgan County3122$3.1m26.7%
Fountain County4020$3.4m47.4%
Madison County3218$2.0m38.7%
Delaware County3216$3.8m48.4%
Hancock County2714$2.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did First Financial Bank originate in Indiana in 2024?

2,618 loans totalling $370m, from 4,073 applications reported for properties in Indiana.

What is First Financial Bank's denial rate in Indiana?

30.7% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 29.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Indiana counties does First Financial Bank lend in most?

By originations: Lake County (276), Bartholomew County (238), Marion County (162), Wayne County (156), Johnson County (110).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.