First Financial Bank Mortgage Lending & HMDA Data, 2022
In 2022, First Financial Bank of Cincinnati, OH reported 10,222 mortgage applications totaling $2.0 billion, down 25% from 2021. The average application was for $191,303, and applicants reported an average income of $121,583. 65% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Cincinnati, OH-KY-IN (2,649), Columbus, OH (1,190) and Louisville/Jefferson County, KY-IN (1,175) (applications in parentheses).
| Mortgage Company & Address | First Financial Bank 255 East Fifth Street Suite 900 Cincinnati, OH 45202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 10,222 |
| Total Mortgage Loan Application Amount | $1,955,500,000 |
| Average Mortgage Loan Application Amount | $191,303 |
| Highest Mortgage Loan Application Amount | $33,425,000 |
| Average Applicant Income | $121,583 |
| Highest Applicant Income | $7,620,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton, Ohio | 929 | $ 206,975,000 | $ 222,793 | $ 120,000 |
| Franklin, Ohio | 892 | $ 295,400,000 | $ 331,165 | $ 166,000 |
| Jefferson, Kentucky | 750 | $ 99,180,000 | $ 132,240 | $ 81,000 |
| Butler, Ohio | 650 | $ 93,080,000 | $ 143,200 | $ 102,000 |
| Lake, Indiana | 437 | $ 54,865,000 | $ 125,549 | $ 104,000 |
| Bartholomew, Indiana | 358 | $ 64,540,000 | $ 180,279 | $ 129,000 |
| Marion, Indiana | 357 | $ 46,665,000 | $ 130,714 | $ 113,000 |
| Montgomery, Ohio | 274 | $ 49,700,000 | $ 181,386 | $ 142,000 |
| Wayne, Indiana | 239 | $ 19,975,000 | $ 83,577 | $ 63,000 |
| Warren, Ohio | 238 | $ 41,920,000 | $ 176,134 | $ 159,000 |
| Jefferson, Indiana | 213 | $ 19,145,000 | $ 89,882 | $ 75,000 |
| Johnson, Indiana | 194 | $ 29,580,000 | $ 152,474 | $ 122,000 |
| Hamilton, Indiana | 186 | $ 45,370,000 | $ 243,924 | $ 229,000 |
| Dearborn, Indiana | 176 | $ 20,520,000 | $ 116,590 | $ 99,000 |
| Franklin, Indiana | 168 | $ 19,640,000 | $ 116,904 | $ 95,000 |
| Delaware, Ohio | 145 | $ 68,355,000 | $ 471,413 | $ 288,000 |
| Ripley, Indiana | 139 | $ 18,435,000 | $ 132,625 | $ 102,000 |
| Fayette, Indiana | 136 | $ 10,500,000 | $ 77,205 | $ 63,000 |
| Boone, Kentucky | 133 | $ 29,095,000 | $ 218,759 | $ 130,000 |
| Decatur, Indiana | 120 | $ 13,660,000 | $ 113,833 | $ 143,000 |
| Clermont, Ohio | 120 | $ 17,580,000 | $ 146,500 | $ 155,000 |
| Clark, Indiana | 117 | $ 12,925,000 | $ 110,470 | $ 81,000 |
| Floyd, Indiana | 115 | $ 15,805,000 | $ 137,434 | $ 93,000 |
| Kenton, Kentucky | 111 | $ 36,155,000 | $ 325,720 | $ 113,000 |
| Shelby, Indiana | 108 | $ 14,710,000 | $ 136,203 | $ 114,000 |
| Rush, Indiana | 99 | $ 9,305,000 | $ 93,989 | $ 89,000 |
| Jennings, Indiana | 98 | $ 9,460,000 | $ 96,530 | $ 70,000 |
| Miami, Ohio | 94 | $ 19,100,000 | $ 203,191 | $ 113,000 |
| Jackson, Indiana | 83 | $ 8,925,000 | $ 107,530 | $ 89,000 |
| Jay, Indiana | 80 | $ 6,100,000 | $ 76,250 | $ 68,000 |
| Shelby, Kentucky | 74 | $ 13,190,000 | $ 178,243 | $ 122,000 |
| Monroe, Indiana | 72 | $ 16,110,000 | $ 223,750 | $ 216,000 |
| Henry, Indiana | 70 | $ 6,030,000 | $ 86,142 | $ 87,000 |
| Greene, Ohio | 68 | $ 11,460,000 | $ 168,529 | $ 177,000 |
| Hendricks, Indiana | 66 | $ 11,110,000 | $ 168,333 | $ 147,000 |
| Campbell, Kentucky | 61 | $ 23,075,000 | $ 378,278 | $ 126,000 |
| Switzerland, Indiana | 58 | $ 4,790,000 | $ 82,586 | $ 75,000 |
| Porter, Indiana | 56 | $ 10,650,000 | $ 190,178 | $ 121,000 |
| Randolph, Indiana | 55 | $ 3,815,000 | $ 69,363 | $ 65,000 |
| Bullitt, Kentucky | 55 | $ 9,275,000 | $ 168,636 | $ 149,000 |
| Mercer, Ohio | 54 | $ 8,850,000 | $ 163,888 | $ 114,000 |
| Preble, Ohio | 51 | $ 5,905,000 | $ 115,784 | $ 80,000 |
| Montgomery, Indiana | 49 | $ 4,975,000 | $ 101,530 | $ 78,000 |
| Anderson, Kentucky | 47 | $ 5,335,000 | $ 113,510 | $ 83,000 |
| Madison, Indiana | 46 | $ 4,930,000 | $ 107,173 | $ 98,000 |
| Van Wert, Ohio | 45 | $ 3,595,000 | $ 79,888 | $ 62,000 |
| Licking, Ohio | 44 | $ 8,320,000 | $ 189,090 | $ 134,000 |
| Warren, Indiana | 43 | $ 3,085,000 | $ 71,744 | $ 73,000 |
| Mercer, Kentucky | 42 | $ 3,860,000 | $ 91,904 | $ 70,000 |
| Boone, Indiana | 41 | $ 27,215,000 | $ 663,780 | $ 268,000 |
| Kankakee, Illinois | 40 | $ 3,880,000 | $ 97,000 | $ 92,000 |
| Carroll, Indiana | 40 | $ 3,820,000 | $ 95,500 | $ 77,000 |
| Greene, Indiana | 40 | $ 2,940,000 | $ 73,500 | $ 93,000 |
| Fairfield, Ohio | 38 | $ 10,120,000 | $ 266,315 | $ 159,000 |
| Ohio, Indiana | 35 | $ 3,585,000 | $ 102,428 | $ 92,000 |
| Cook, Illinois | 34 | $ 5,360,000 | $ 157,647 | $ 163,000 |
| Oldham, Kentucky | 32 | $ 14,030,000 | $ 438,437 | $ 220,000 |
| Hancock, Indiana | 30 | $ 2,750,000 | $ 91,666 | $ 120,000 |
| Union, Ohio | 30 | $ 19,200,000 | $ 640,000 | $ 239,000 |
| Clark, Ohio | 29 | $ 3,325,000 | $ 114,655 | $ 107,000 |
| Brown, Indiana | 28 | $ 5,470,000 | $ 195,357 | $ 115,000 |
| Delaware, Indiana | 27 | $ 1,665,000 | $ 61,666 | $ 75,000 |
| Iroquois, Illinois | 26 | $ 1,810,000 | $ 69,615 | $ 64,000 |
| Newton, Indiana | 24 | $ 1,200,000 | $ 50,000 | $ 65,000 |
| Morgan, Indiana | 23 | $ 4,955,000 | $ 215,434 | $ 114,000 |
| Vermilion, Illinois | 21 | $ 1,355,000 | $ 64,523 | $ 66,000 |
| Fountain, Indiana | 20 | $ 1,670,000 | $ 83,500 | $ 90,000 |
| Wabash, Indiana | 18 | $ 1,560,000 | $ 86,666 | $ 59,000 |
| Cuyahoga, Ohio | 18 | $ 23,080,000 | $ 1,282,222 | $ 251,000 |
| Darke, Ohio | 17 | $ 2,625,000 | $ 154,411 | $ 158,000 |
| Auglaize, Ohio | 16 | $ 1,660,000 | $ 103,750 | $ 76,000 |
| Clinton, Indiana | 13 | $ 645,000 | $ 49,615 | $ 58,000 |
| Tippecanoe, Indiana | 13 | $ 2,535,000 | $ 195,000 | $ 90,000 |
| Trimble, Kentucky | 13 | $ 965,000 | $ 74,230 | $ 63,000 |
| Clinton, Ohio | 13 | $ 2,305,000 | $ 177,307 | $ 105,000 |
| Pickaway, Ohio | 13 | $ 3,865,000 | $ 297,307 | $ 147,000 |
| Summit, Ohio | 13 | $ 1,505,000 | $ 115,769 | $ 180,000 |
| Lee, Florida | 12 | $ 6,200,000 | $ 516,666 | $ 268,000 |
| Harrison, Indiana | 12 | $ 2,450,000 | $ 204,166 | $ 93,000 |
| Franklin, Kentucky | 12 | $ 1,390,000 | $ 115,833 | $ 100,000 |
| Stark, Ohio | 12 | $ 8,140,000 | $ 678,333 | $ 140,000 |
| Allen, Indiana | 10 | $ 21,990,000 | $ 2,199,000 | $ 85,000 |
| Jasper, Indiana | 10 | $ 840,000 | $ 84,000 | $ 61,000 |
| Kosciusko, Indiana | 10 | $ 1,790,000 | $ 179,000 | $ 284,000 |
| Putnam, Indiana | 10 | $ 1,350,000 | $ 135,000 | $ 96,000 |
| Scott, Indiana | 10 | $ 1,010,000 | $ 101,000 | $ 96,000 |
| Vigo, Indiana | 10 | $ 390,000 | $ 39,000 | $ 87,000 |
| Allen, Ohio | 10 | $ 1,610,000 | $ 161,000 | $ 116,000 |
| Knox, Ohio | 10 | $ 2,730,000 | $ 273,000 | $ 213,000 |
| Lucas, Ohio | 10 | $ 2,310,000 | $ 231,000 | $ 133,000 |
| Madison, Ohio | 10 | $ 2,270,000 | $ 227,000 | $ 120,000 |
| Paulding, Ohio | 10 | $ 730,000 | $ 73,000 | $ 72,000 |
| Blackford, Indiana | 9 | $ 735,000 | $ 81,666 | $ 110,000 |
| Washington, Indiana | 9 | $ 1,215,000 | $ 135,000 | $ 145,000 |
| Madison, Kentucky | 9 | $ 1,235,000 | $ 137,222 | $ 108,000 |
| Union, Indiana | 8 | $ 550,000 | $ 68,750 | $ 73,000 |
| Wells, Indiana | 8 | $ 500,000 | $ 62,500 | $ 60,000 |
| Spencer, Kentucky | 8 | $ 1,100,000 | $ 137,500 | $ 74,000 |
| Warren, Kentucky | 8 | $ 1,870,000 | $ 233,750 | $ 110,000 |
| Highland, Ohio | 8 | $ 1,790,000 | $ 223,750 | $ 431,000 |
| Lorain, Ohio | 8 | $ 3,110,000 | $ 388,750 | $ 215,000 |
| Pinellas, Florida | 7 | $ 2,015,000 | $ 287,857 | $ 439,000 |
| Grant, Indiana | 7 | $ 235,000 | $ 33,571 | $ 42,000 |
| LaPorte, Indiana | 7 | $ 3,155,000 | $ 450,714 | $ 46,000 |
| St. Joseph, Indiana | 7 | $ 1,125,000 | $ 160,714 | $ 86,000 |
| Grant, Kentucky | 7 | $ 1,485,000 | $ 212,142 | $ 159,000 |
| Hardin, Kentucky | 7 | $ 705,000 | $ 100,714 | $ 65,000 |
| Brown, Ohio | 7 | $ 515,000 | $ 73,571 | $ 80,000 |
| Erie, Ohio | 7 | $ 1,505,000 | $ 215,000 | $ 143,000 |
| Logan, Ohio | 7 | $ 1,845,000 | $ 263,571 | $ 100,000 |
| Perry, Ohio | 7 | $ 2,125,000 | $ 303,571 | $ 183,000 |
| Collier, Florida | 6 | $ 8,420,000 | $ 1,403,333 | $ 783,000 |
| Lake, Illinois | 6 | $ 1,140,000 | $ 190,000 | $ 209,000 |
| Barren, Kentucky | 6 | $ 780,000 | $ 130,000 | $ 98,000 |
| Owen, Kentucky | 6 | $ 1,050,000 | $ 175,000 | $ 90,000 |
| Defiance, Ohio | 6 | $ 480,000 | $ 80,000 | $ 52,000 |
| Morrow, Ohio | 6 | $ 680,000 | $ 113,333 | $ 150,000 |
| Adams, Indiana | 5 | $ 515,000 | $ 103,000 | $ 69,000 |
| Howard, Indiana | 5 | $ 395,000 | $ 79,000 | $ 52,000 |
| Owen, Indiana | 5 | $ 435,000 | $ 87,000 | $ 95,000 |
| Parke, Indiana | 5 | $ 475,000 | $ 95,000 | $ 132,000 |
| Vermillion, Indiana | 5 | $ 275,000 | $ 55,000 | $ 43,000 |
| Fayette, Kentucky | 5 | $ 765,000 | $ 153,000 | $ 78,000 |
| Scott, Kentucky | 5 | $ 805,000 | $ 161,000 | $ 146,000 |
| Adams, Ohio | 5 | $ 355,000 | $ 71,000 | $ 91,000 |
| Hocking, Ohio | 5 | $ 2,585,000 | $ 517,000 | $ 218,000 |
| Muskingum, Ohio | 5 | $ 355,000 | $ 71,000 | $ 84,000 |
| Sandusky, Ohio | 5 | $ 205,000 | $ 41,000 | $ 61,000 |
| Davidson, Tennessee | 5 | $ 11,985,000 | $ 2,397,000 | $ 155,000 |
| Manatee, Florida | 4 | $ 2,200,000 | $ 550,000 | $ 384,000 |
| Sarasota, Florida | 4 | $ 1,360,000 | $ 340,000 | $ 320,000 |
| Walton, Florida | 4 | $ 730,000 | $ 182,500 | $ 164,000 |
| DuPage, Illinois | 4 | $ 1,040,000 | $ 260,000 | $ 142,000 |
| Will, Illinois | 4 | $ 580,000 | $ 145,000 | $ 121,000 |
| Cass, Indiana | 4 | $ 250,000 | $ 62,500 | $ 65,000 |
| Crawford, Indiana | 4 | $ 140,000 | $ 35,000 | $ 55,000 |
| White, Indiana | 4 | $ 910,000 | $ 227,500 | $ 108,000 |
| Boyle, Kentucky | 4 | $ 430,000 | $ 107,500 | $ 80,000 |
| Gallatin, Kentucky | 4 | $ 330,000 | $ 82,500 | $ 83,000 |
| Jessamine, Kentucky | 4 | $ 1,270,000 | $ 317,500 | $ 133,000 |
| Geauga, Ohio | 4 | $ 9,450,000 | $ 2,362,500 | $ 156,000 |
| Richland, Ohio | 4 | $ 770,000 | $ 192,500 | $ 170,000 |
| Sitka, Alaska | 3 | $ 1,665,000 | $ 555,000 | $ 127,000 |
| Charlotte, Florida | 3 | $ 995,000 | $ 331,666 | $ 270,000 |
| Hillsborough, Florida | 3 | $ 1,095,000 | $ 365,000 | $ 119,000 |
| Elkhart, Indiana | 3 | $ 55,000 | $ 18,333 | $ 65,000 |
| Fulton, Indiana | 3 | $ 845,000 | $ 281,666 | $ 173,000 |
| Huntington, Indiana | 3 | $ 115,000 | $ 38,333 | $ 61,000 |
| Knox, Indiana | 3 | $ 155,000 | $ 51,666 | $ 37,000 |
| Orange, Indiana | 3 | $ 275,000 | $ 91,666 | $ 111,000 |
| Carroll, Kentucky | 3 | $ 155,000 | $ 51,666 | $ 161,000 |
| Harrison, Kentucky | 3 | $ 135,000 | $ 45,000 | $ 40,000 |
| Henry, Kentucky | 3 | $ 1,555,000 | $ 518,333 | $ 827,000 |
| Nelson, Kentucky | 3 | $ 545,000 | $ 181,666 | $ 83,000 |
| Taylor, Kentucky | 3 | $ 65,000 | $ 21,666 | $ 32,000 |
| Washington, Kentucky | 3 | $ 565,000 | $ 188,333 | $ 74,000 |
| Henderson, North Carolina | 3 | $ 995,000 | $ 331,666 | $ 114,000 |
| Ashland, Ohio | 3 | $ 105,000 | $ 35,000 | $ 107,000 |
| Athens, Ohio | 3 | $ 315,000 | $ 105,000 | $ 52,000 |
| Champaign, Ohio | 3 | $ 595,000 | $ 198,333 | $ 111,000 |
| Fayette, Ohio | 3 | $ 715,000 | $ 238,333 | $ 90,000 |
| Hardin, Ohio | 3 | $ 175,000 | $ 58,333 | $ 52,000 |
| Ross, Ohio | 3 | $ 45,000 | $ 15,000 | $ 32,000 |
| Shelby, Ohio | 3 | $ 255,000 | $ 85,000 | $ 52,000 |
| Baldwin, Alabama | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Anchorage, Alaska | 2 | $ 600,000 | $ 300,000 | $ 193,000 |
| Leon, Florida | 2 | $ 1,510,000 | $ 755,000 | $ 2,234,000 |
| St. Lucie, Florida | 2 | $ 600,000 | $ 300,000 | $ 133,000 |
| Ford, Illinois | 2 | $ 80,000 | $ 40,000 | $ 40,000 |
| Grundy, Illinois | 2 | $ 860,000 | $ 430,000 | $ 136,000 |
| Williamson, Illinois | 2 | $ 280,000 | $ 140,000 | $ 68,000 |
| Clay, Indiana | 2 | $ 170,000 | $ 85,000 | $ 79,000 |
| Marshall, Indiana | 2 | $ 400,000 | $ 200,000 | $ 108,000 |
| Perry, Indiana | 2 | $ 170,000 | $ 85,000 | $ 20,000 |
| Steuben, Indiana | 2 | $ 120,000 | $ 60,000 | $ 142,000 |
| Sullivan, Indiana | 2 | $ 80,000 | $ 40,000 | $ 62,000 |
| Daviess, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 101,000 |
| Floyd, Kentucky | 2 | $ 700,000 | $ 350,000 | $ 237,000 |
| Garrard, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 92,000 |
| Hart, Kentucky | 2 | $ 830,000 | $ 415,000 | $ 209,000 |
| Lewis, Kentucky | 2 | $ 240,000 | $ 120,000 | $ 48,000 |
| Meade, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 48,000 |
| Pendleton, Kentucky | 2 | $ 500,000 | $ 250,000 | $ 173,000 |
| Russell, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 406,000 |
| Wayne, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Woodford, Kentucky | 2 | $ 30,000 | $ 15,000 | $ 59,000 |
| Berrien, Michigan | 2 | $ 2,640,000 | $ 1,320,000 | $ 562,000 |
| Hancock, Ohio | 2 | $ 310,000 | $ 155,000 | $ 212,000 |
| Huron, Ohio | 2 | $ 420,000 | $ 210,000 | $ 94,000 |
| Medina, Ohio | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Putnam, Ohio | 2 | $ 230,000 | $ 115,000 | $ 51,000 |
| Scioto, Ohio | 2 | $ 180,000 | $ 90,000 | $ 92,000 |
| Allegheny, Pennsylvania | 2 | $ 970,000 | $ 485,000 | $ 172,000 |
| Charleston, South Carolina | 2 | $ 1,260,000 | $ 630,000 | $ 380,000 |
| Campbell, Tennessee | 2 | $ 270,000 | $ 135,000 | $ 233,000 |
| Jefferson, Alabama | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Benton, Arkansas | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| Union, Arkansas | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Adams, Colorado | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| El Paso, Colorado | 1 | $ 32,255,000 | $ 32,255,000 | $ 0 |
| Alachua, Florida | 1 | $ 5,205,000 | $ 5,205,000 | $ 0 |
| Bay, Florida | 1 | $ 295,000 | $ 295,000 | $ 160,000 |
| Brevard, Florida | 1 | $ 385,000 | $ 385,000 | $ 76,000 |
| Broward, Florida | 1 | $ 365,000 | $ 365,000 | $ 253,000 |
| Lake, Florida | 1 | $ 295,000 | $ 295,000 | $ 315,000 |
| Marion, Florida | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Monroe, Florida | 1 | $ 425,000 | $ 425,000 | $ 40,000 |
| Okaloosa, Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 420,000 |
| Orange, Florida | 1 | $ 995,000 | $ 995,000 | $ 330,000 |
| Palm Beach, Florida | 1 | $ 655,000 | $ 655,000 | $ 94,000 |
| Putnam, Florida | 1 | $ 15,000 | $ 15,000 | $ 5,000 |
| Sumter, Florida | 1 | $ 335,000 | $ 335,000 | $ 69,000 |
| Chatham, Georgia | 1 | $ 435,000 | $ 435,000 | $ 220,000 |
| DeKalb, Georgia | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Effingham, Georgia | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Oglethorpe, Georgia | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
| White, Georgia | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Clark, Illinois | 1 | $ 15,000 | $ 15,000 | $ 17,000 |
| Coles, Illinois | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Edgar, Illinois | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Lee, Illinois | 1 | $ 15,000 | $ 15,000 | $ 90,000 |
| Logan, Illinois | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Madison, Illinois | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| McHenry, Illinois | 1 | $ 215,000 | $ 215,000 | $ 187,000 |
| Peoria, Illinois | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Piatt, Illinois | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Tazewell, Illinois | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| White, Illinois | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Benton, Indiana | 1 | $ 5,000 | $ 5,000 | $ 84,000 |
| Lawrence, Indiana | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Miami, Indiana | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Noble, Indiana | 1 | $ 165,000 | $ 165,000 | $ 146,000 |
| Pike, Indiana | 1 | $ 65,000 | $ 65,000 | $ 98,000 |
| Starke, Indiana | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
| Vanderburgh, Indiana | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Warrick, Indiana | 1 | $ 55,000 | $ 55,000 | $ 2,729,000 |
| Whitley, Indiana | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Mills, Iowa | 1 | $ 5,000 | $ 5,000 | $ 180,000 |
| Allen, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Bath, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 142,000 |
| Boyd, Kentucky | 1 | $ 455,000 | $ 455,000 | $ 230,000 |
| Breckinridge, Kentucky | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Butler, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Clinton, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Edmonson, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 106,000 |
| Grayson, Kentucky | 1 | $ 635,000 | $ 635,000 | $ 250,000 |
| Lincoln, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Logan, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Mason, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| McCreary, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Menifee, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 145,000 |
| Montgomery, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 118,000 |
| Perry, Kentucky | 1 | $ 5,000 | $ 5,000 | $ 38,000 |
| Pike, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 237,000 |
| Pulaski, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Trigg, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 163,000 |
| Franklin, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 97,000 |
| Antrim, Michigan | 1 | $ 65,000 | $ 65,000 | $ 20,000 |
| Charlevoix, Michigan | 1 | $ 855,000 | $ 855,000 | $ 330,000 |
| Clare, Michigan | 1 | $ 525,000 | $ 525,000 | $ 793,000 |
| Grand Traverse, Michigan | 1 | $ 105,000 | $ 105,000 | $ 345,000 |
| Kent, Michigan | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Manistee, Michigan | 1 | $ 605,000 | $ 605,000 | $ 759,000 |
| Oakland, Michigan | 1 | $ 265,000 | $ 265,000 | $ 224,000 |
| St. Joseph, Michigan | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Harrison, Mississippi | 1 | $ 5,000 | $ 5,000 | $ 130,000 |
| Scott, Missouri | 1 | $ 75,000 | $ 75,000 | $ 27,000 |
| Bergen, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Alamance, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 170,000 |
| Catawba, North Carolina | 1 | $ 18,405,000 | $ 18,405,000 | $ 0 |
| Davidson, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Durham, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Lincoln, North Carolina | 1 | $ 495,000 | $ 495,000 | $ 297,000 |
| Macon, North Carolina | 1 | $ 2,285,000 | $ 2,285,000 | $ 1,471,000 |
| McDowell, North Carolina | 1 | $ 375,000 | $ 375,000 | $ 138,000 |
| New Hanover, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 305,000 |
| Columbiana, Ohio | 1 | $ 405,000 | $ 405,000 | $ 212,000 |
| Coshocton, Ohio | 1 | $ 15,000 | $ 15,000 | $ 69,000 |
| Crawford, Ohio | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Gallia, Ohio | 1 | $ 365,000 | $ 365,000 | $ 190,000 |
| Holmes, Ohio | 1 | $ 485,000 | $ 485,000 | $ 175,000 |
| Jackson, Ohio | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Lake, Ohio | 1 | $ 645,000 | $ 645,000 | $ 357,000 |
| Lawrence, Ohio | 1 | $ 265,000 | $ 265,000 | $ 275,000 |
| Marion, Ohio | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Meigs, Ohio | 1 | $ 15,000 | $ 15,000 | $ 26,000 |
| Monroe, Ohio | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Ottawa, Ohio | 1 | $ 425,000 | $ 425,000 | $ 201,000 |
| Pike, Ohio | 1 | $ 305,000 | $ 305,000 | $ 304,000 |
| Portage, Ohio | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Seneca, Ohio | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Trumbull, Ohio | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Tuscarawas, Ohio | 1 | $ 505,000 | $ 505,000 | $ 161,000 |
| Wyandot, Ohio | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Oklahoma, Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Lane, Oregon | 1 | $ 585,000 | $ 585,000 | $ 298,000 |
| Philadelphia, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Georgetown, South Carolina | 1 | $ 475,000 | $ 475,000 | $ 204,000 |
| Horry, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Jasper, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 145,000 |
| Orangeburg, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 173,000 |
| Richland, South Carolina | 1 | $ 575,000 | $ 575,000 | $ 200,000 |
| Cheatham, Tennessee | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Dickson, Tennessee | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Maury, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 118,000 |
| Monroe, Tennessee | 1 | $ 445,000 | $ 445,000 | $ 439,000 |
| Sevier, Tennessee | 1 | $ 435,000 | $ 435,000 | $ 221,000 |
| Sumner, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Loudoun, Virginia | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Lynchburg, Virginia | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| Rappahannock, Virginia | 1 | $ 995,000 | $ 995,000 | $ 618,000 |
| Richmond City, Virginia | 1 | $ 275,000 | $ 275,000 | $ 537,000 |
| Rockingham, Virginia | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Berkeley, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Boone, West Virginia | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Jackson, West Virginia | 1 | $ 5,000 | $ 5,000 | $ 71,000 |
| Tyler, West Virginia | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Milwaukee, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for First Financial Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 4,008 | $491,220,000 | $122,000 | $3,825,000 | $122,000 | $7,620,000 |
| Home Purchase | 3,242 | $977,220,000 | $301,000 | $33,425,000 | $102,000 | $2,690,000 |
| Other Purpose | 2,372 | $233,240,000 | $98,000 | $1,265,000 | $137,000 | $2,234,000 |
| Refinancing | 470 | $135,400,000 | $288,000 | $6,805,000 | $129,000 | $1,503,000 |
| Home Improvement | 130 | $118,420,000 | $910,000 | $14,925,000 | $289,000 | $2,400,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,633 | $1,179,525,000 | $154,000 | $3,825,000 | $124,000 | $7,620,000 |
| Hispanic | 838 | $106,340,000 | $126,000 | $1,035,000 | $70,000 | $2,083,000 |
| Not Provided | 742 | $139,000,000 | $187,000 | $3,705,000 | $161,000 | $1,432,000 |
| Black or African American | 628 | $80,970,000 | $128,000 | $1,775,000 | $94,000 | $2,400,000 |
| Asian | 193 | $54,085,000 | $280,000 | $1,495,000 | $177,000 | $1,736,000 |
| Not applicable | 87 | $373,685,000 | $4,295,000 | $33,425,000 | $0 | $0 |
| American Indian or Alaskan Native | 51 | $6,335,000 | $124,000 | $1,215,000 | $127,000 | $2,184,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $825,000 | $165,000 | $345,000 | $185,000 | $392,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 9,980 | $1,909,390,000 | $191,000 | $33,425,000 | $123,000 | $7,620,000 |
| FHA-insured (Federal Housing Administration) | 174 | $31,480,000 | $180,000 | $425,000 | $65,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $5,700,000 | $158,000 | $295,000 | $55,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 32 | $8,930,000 | $279,000 | $915,000 | $99,000 | $325,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,596 | $1,484,500,000 | $225,000 | $33,425,000 | $131,000 | $2,985,000 |
| Application Denied By Financial Institution | 2,718 | $292,570,000 | $107,000 | $2,005,000 | $98,000 | $7,620,000 |
| Application Withdrawn By Applicant | 706 | $138,770,000 | $196,000 | $14,875,000 | $121,000 | $2,729,000 |
| File Closed For Incompleteness | 123 | $24,225,000 | $196,000 | $1,205,000 | $128,000 | $713,000 |
| Application Approved But Not Accepted | 79 | $15,435,000 | $195,000 | $1,575,000 | $118,000 | $591,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 7,504 | $1,662,930,000 | $221,000 | $33,425,000 | $130,000 | $2,985,000 |
| Debt-To-Income Ratio | 886 | $105,850,000 | $119,000 | $2,005,000 | $60,000 | $448,000 |
| Credit History | 838 | $52,270,000 | $62,000 | $725,000 | $92,000 | $2,808,000 |
| Credit Application Incomplete | 619 | $96,315,000 | $155,000 | $2,005,000 | $148,000 | $7,620,000 |
| Collateral | 241 | $23,655,000 | $98,000 | $835,000 | $134,000 | $2,083,000 |
| Other | 68 | $6,130,000 | $90,000 | $365,000 | $100,000 | $325,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 26 | $3,820,000 | $146,000 | $705,000 | $73,000 | $278,000 |
| Unverifiable Information | 20 | $2,280,000 | $114,000 | $365,000 | $86,000 | $240,000 |
| Employment History | 20 | $2,250,000 | $112,000 | $475,000 | $76,000 | $350,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Financial Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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