First Financial Bank Mortgage Lending & HMDA Data, 2018
In 2018, First Financial Bank of Cincinnati, OH reported 10,453 mortgage applications totaling $1.3 billion, up 434% from 2017. The average application was for $126,903, and applicants reported an average income of $105,079. 62% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Cincinnati, OH-KY-IN (2,628), Indianapolis-Carmel-Anderson, IN (1,131) and Columbus, OH (1,019) (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 | 10,453 |
| Total Mortgage Loan Application Amount | $1,326,525,000 |
| Average Mortgage Loan Application Amount | $126,903 |
| Highest Mortgage Loan Application Amount | $17,005,000 |
| Average Applicant Income | $105,079 |
| Highest Applicant Income | $4,065,000 |
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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,839 | $ 240,475,000 | $ 84,704 | $ 76,743 |
| Cincinnati, OH-KY-IN | 2,628 | $ 298,940,000 | $ 113,751 | $ 105,730 |
| Indianapolis-Carmel-Anderson, IN | 1,131 | $ 154,255,000 | $ 136,388 | $ 130,000 |
| Columbus, OH | 1,019 | $ 212,325,000 | $ 208,366 | $ 141,000 |
| Louisville/Jefferson County, KY-IN | 849 | $ 140,225,000 | $ 165,164 | $ 118,756 |
| Gary, IN | 582 | $ 54,650,000 | $ 93,900 | $ 89,000 |
| Columbus, IN | 425 | $ 53,485,000 | $ 125,847 | $ 106,000 |
| Dayton, OH | 409 | $ 60,595,000 | $ 148,154 | $ 103,000 |
| Lafayette-West Lafayette, IN | 111 | $ 8,365,000 | $ 75,360 | $ 72,000 |
| Kankakee, IL | 107 | $ 9,415,000 | $ 87,990 | $ 79,000 |
| Bloomington, IN | 106 | $ 26,320,000 | $ 248,301 | $ 201,000 |
| Danville, IL | 29 | $ 1,115,000 | $ 38,448 | $ 73,000 |
| Terre Haute, IN | 22 | $ 1,560,000 | $ 70,909 | $ 85,000 |
| Chicago-Naperville-Arlington Heights, IL | 19 | $ 3,255,000 | $ 171,315 | $ 112,000 |
| Lexington-Fayette, KY | 18 | $ 2,210,000 | $ 122,777 | $ 97,000 |
| Muncie, IN | 15 | $ 1,795,000 | $ 119,666 | $ 70,000 |
| Fort Wayne, IN | 14 | $ 2,600,000 | $ 185,714 | $ 115,000 |
| Kokomo, IN | 12 | $ 5,220,000 | $ 435,000 | $ 43,000 |
| Akron, OH | 9 | $ 18,775,000 | $ 2,086,111 | $ 171,000 |
| Cleveland-Elyria, OH | 9 | $ 815,000 | $ 90,555 | $ 118,000 |
| Lima, OH | 9 | $ 415,000 | $ 46,111 | $ 74,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 4,180,000 | $ 522,500 | $ 336,000 |
| Springfield, OH | 7 | $ 665,000 | $ 95,000 | $ 219,000 |
| Toledo, OH | 5 | $ 6,545,000 | $ 1,309,000 | $ 93,000 |
| Bowling Green, KY | 4 | $ 390,000 | $ 97,500 | $ 73,000 |
| Tallahassee, FL | 4 | $ 3,510,000 | $ 877,500 | $ 1,347,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,310,000 | $ 327,500 | $ 218,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 935,000 | $ 311,666 | $ 271,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 175,000 | $ 58,333 | $ 35,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 165,000 | $ 55,000 | $ 67,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,225,000 | $ 408,333 | $ 666,000 |
| Champaign-Urbana, IL | 2 | $ 130,000 | $ 65,000 | $ 54,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 90,000 | $ 45,000 | $ 119,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 350,000 | $ 175,000 | $ 66,000 |
| Elkhart-Goshen, IN | 2 | $ 330,000 | $ 165,000 | $ 183,000 |
| Jacksonville, FL | 2 | $ 360,000 | $ 180,000 | $ 184,000 |
| Knoxville, TN | 2 | $ 540,000 | $ 270,000 | $ 301,000 |
| Michigan City-La Porte, IN | 2 | $ 100,000 | $ 50,000 | $ 87,000 |
| Monroe, MI | 2 | $ 270,000 | $ 135,000 | $ 99,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 230,000 | $ 115,000 | $ 213,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 420,000 | $ 210,000 | $ 71,000 |
| Albuquerque, NM | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| Canton-Massillon, OH | 1 | $ 155,000 | $ 155,000 | $ 168,000 |
| Charleston-North Charleston, SC | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Chattanooga, TN-GA | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 395,000 | $ 395,000 | $ 131,000 |
| Evansville, IN-KY | 1 | $ 15,000 | $ 15,000 | $ 116,000 |
| Florence-Muscle Shoals, AL | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 95,000 | $ 95,000 | $ 240,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 45,000 | $ 45,000 | $ 66,000 |
| Lafayette, LA | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
| Lincoln, NE | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Mansfield, OH | 1 | $ 125,000 | $ 125,000 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Montgomery, AL | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Ocala, FL | 1 | $ 115,000 | $ 115,000 | $ 93,000 |
| Owensboro, KY | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 185,000 | $ 185,000 | $ 138,000 |
| Pittsburgh, PA | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,165,000 | $ 1,165,000 | $ 408,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| St. Louis, MO-IL | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 565,000 | $ 565,000 | $ 158,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 555,000 | $ 555,000 | $ 166,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for First Financial Bank in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,163 | $605,245,000 | $191,000 | $17,005,000 | $100,000 | $2,672,000 |
| Home Improvement | 2,247 | $178,195,000 | $79,000 | $6,125,000 | $103,000 | $2,072,000 |
| Refinancing | 2,098 | $291,700,000 | $139,000 | $6,155,000 | $112,000 | $4,065,000 |
| Other Purpose | 2,005 | $132,205,000 | $65,000 | $765,000 | $104,000 | $3,926,000 |
| Cash-out Refinancing | 940 | $119,180,000 | $126,000 | $1,125,000 | $114,000 | $3,309,000 |
| 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 | 8,702 | $964,380,000 | $110,000 | $2,565,000 | $103,000 | $4,065,000 |
| Not Provided | 698 | $85,150,000 | $121,000 | $1,165,000 | $138,000 | $2,672,000 |
| Black or African American | 364 | $36,220,000 | $99,000 | $615,000 | $84,000 | $840,000 |
| Hispanic | 249 | $23,475,000 | $94,000 | $625,000 | $87,000 | $541,000 |
| Not applicable | 206 | $178,080,000 | $864,000 | $17,005,000 | $81,000 | $138,000 |
| Asian | 183 | $32,815,000 | $179,000 | $1,315,000 | $148,000 | $1,891,000 |
| American Indian or Alaskan Native | 35 | $3,305,000 | $94,000 | $455,000 | $66,000 | $331,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $370,000 | $92,000 | $205,000 | $57,000 | $88,000 |
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) | 9,992 | $1,261,350,000 | $126,000 | $17,005,000 | $107,000 | $4,065,000 |
| FHA-insured (Federal Housing Administration) | 229 | $30,465,000 | $133,000 | $375,000 | $59,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 142 | $17,520,000 | $123,000 | $1,445,000 | $49,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 90 | $17,190,000 | $191,000 | $465,000 | $78,000 | $242,000 |
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 | 6,522 | $927,690,000 | $142,000 | $17,005,000 | $114,000 | $4,065,000 |
| Application Denied By Financial Institution | 2,803 | $234,105,000 | $83,000 | $2,565,000 | $82,000 | $1,623,000 |
| Application Approved But Not Accepted | 553 | $83,135,000 | $150,000 | $6,545,000 | $110,000 | $1,227,000 |
| Application Withdrawn By Applicant | 316 | $52,300,000 | $165,000 | $2,105,000 | $125,000 | $3,309,000 |
| File Closed For Incompleteness | 259 | $29,295,000 | $113,000 | $815,000 | $101,000 | $690,000 |
| 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 | 7,650 | $1,092,420,000 | $142,000 | $17,005,000 | $113,000 | $4,065,000 |
| Debt-To-Income Ratio | 1,013 | $91,775,000 | $90,000 | $2,565,000 | $60,000 | $887,000 |
| Credit History | 781 | $50,625,000 | $64,000 | $825,000 | $80,000 | $1,440,000 |
| Collateral | 414 | $30,390,000 | $73,000 | $565,000 | $105,000 | $1,623,000 |
| Other | 320 | $24,600,000 | $76,000 | $925,000 | $107,000 | $681,000 |
| Credit Application Incomplete | 226 | $31,620,000 | $139,000 | $945,000 | $122,000 | $1,504,000 |
| Employment History | 31 | $2,115,000 | $68,000 | $215,000 | $53,000 | $164,000 |
| Unverifiable Information | 12 | $1,570,000 | $130,000 | $465,000 | $67,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,410,000 | $235,000 | $405,000 | $118,000 | $312,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2018 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.
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