Lender in Ohio · HMDA 2025
First Financial Bank mortgages in Ohio
First Financial Bank's 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
First Financial Bank originated 1,019 owner-occupied single-family loans in Ohio from 1,213 completed applications.
Its median conventional purchase loan costs were $4,510 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.625% (Ohio: 6.625%).
Loans in OH
1,019
of 1,213 applications
Denial rate
10.6%
Purchase · OH 7.1%
Rate spread
+0.25 pts
Conv. · OH +0.22 pts
Loan amount
$255,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 924 | 821 | 10.6% | 6.625% | +0.25 pts | $4,510 | $255,000 |
| Refinance | 195 | 133 | 30.8% | 6.250% | −0.05 pts | $3,800 | $395,000 |
| Cash-out refinance | 94 | 65 | 29.8% | 6.500% | +0.25 pts | $3,750 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where First Financial Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mercer County | 3 | 13 | 5.5% |
| Paulding County | 9 | 7 | 2.9% |
| Van Wert County | 11 | 10 | 2.8% |
| Franklin County | 12 | 365 | 2.2% |
| Union County | 14 | 26 | 1.6% |
| Hamilton County | 15 | 172 | 1.6% |
| Delaware County | 15 | 82 | 1.9% |
| Auglaize County | 15 | 9 | 1.7% |
| Butler County | 19 | 74 | 1.3% |
| Darke County | 22 | 8 | 1.3% |
| Perry County | 22 | 5 | 1.2% |
| Madison County | 24 | 7 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology