Lenders › First Financial Bank › Ohio
First Financial Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
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 Ohio, First Financial Bank reported 4,140 applications and 2,646 originations for 2024, $614m in all.
Its denial rate in the state was 29.9%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 29.8%.
The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | First Financial Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.9% | 23.5% | 29.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.6% | 17.7% | 18.1% | 15.6% |
| Average originated loan | $232k | $218k | $200k | $329k |
| Home purchase share | 43.4% | 51.7% | 42.8% | 57.0% |
| FHA-insured share | 2.5% | 12.3% | 1.8% | 13.4% |
| VA-guaranteed share | 0.3% | 5.9% | 0.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 43% (1,149)Home improvement 15% (388)Refinancing 2% (65)Cash-out refinancing 19% (490)Other purpose 21% (554)
By type
Conventional 97% (2,570)FHA 2% (65)VA 0% (9)USDA 0% (2)
Denial reasons as coded
Share of 1,146 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 953 | 639 | $179m | 24.3% |
| Hamilton County | 925 | 544 | $98m | 35.9% |
| Butler County | 596 | 358 | $44m | 36.1% |
| Montgomery County | 300 | 198 | $30m | 28.9% |
| Warren County | 217 | 142 | $38m | 27.9% |
| Delaware County | 180 | 128 | $77m | 19.0% |
| Mercer County | 82 | 62 | $8.8m | 16.7% |
| Summit County | 80 | 58 | $21m | 17.1% |
| Miami County | 81 | 46 | $6.7m | 38.7% |
| Clermont County | 63 | 39 | $5.3m | 33.3% |
| Greene County | 51 | 39 | $7.4m | 20.4% |
| Van Wert County | 49 | 34 | $2.7m | 29.2% |
| Fairfield County | 46 | 33 | $7.7m | 21.4% |
| Preble County | 48 | 32 | $4.0m | 28.3% |
| Union County | 35 | 27 | $17m | 6.7% |
| Licking County | 49 | 24 | $8.2m | 35.9% |
| Auglaize County | 34 | 24 | $2.4m | 27.3% |
| Cuyahoga County | 34 | 20 | $4.4m | 35.5% |
| Clark County | 29 | 15 | $1.6m | 40.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First Financial Bank originate in Ohio in 2024?
2,646 loans totalling $614m, from 4,140 applications reported for properties in Ohio.
What is First Financial Bank's denial rate in Ohio?
29.9% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does First Financial Bank lend in most?
By originations: Franklin County (639), Hamilton County (544), Butler County (358), Montgomery County (198), Warren County (142).
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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.