First Financial Bank Mortgage Lending & HMDA Data, 2023
In 2023, First Financial Bank of Cincinnati, OH reported 9,475 mortgage applications totaling $1.8 billion, down 7% from 2022. The average application was for $187,431, and applicants reported an average income of $123,337. 64% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Cincinnati, OH-KY-IN (2,147), Columbus, OH (1,174) and Louisville/Jefferson County, KY-IN (1,103) (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 | 9,475 |
| Total Mortgage Loan Application Amount | $1,775,915,000 |
| Average Mortgage Loan Application Amount | $187,431 |
| Highest Mortgage Loan Application Amount | $36,505,000 |
| Average Applicant Income | $123,337 |
| Highest Applicant Income | $5,550,000 |
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Act (HMDA) records First Financial Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 2,147 | $ 338,475,000 | $ 157,650 | $ 120,689 |
| Outside any metro area | 2,102 | $ 213,560,000 | $ 101,598 | $ 87,428 |
| Columbus, OH | 1,174 | $ 351,490,000 | $ 299,395 | $ 174,000 |
| Louisville/Jefferson County, KY-IN | 1,103 | $ 172,665,000 | $ 156,541 | $ 95,803 |
| Indianapolis-Carmel-Anderson, IN | 927 | $ 158,325,000 | $ 170,792 | $ 145,000 |
| Gary, IN | 494 | $ 76,140,000 | $ 154,129 | $ 110,000 |
| Dayton-Springfield-Kettering, OH | 443 | $ 114,325,000 | $ 258,069 | $ 132,000 |
| Columbus, IN | 339 | $ 57,925,000 | $ 170,870 | $ 115,000 |
| Lafayette-West Lafayette, IN | 108 | $ 9,380,000 | $ 86,851 | $ 83,000 |
| Cleveland-Elyria, OH | 76 | $ 40,760,000 | $ 536,315 | $ 200,000 |
| Bloomington, IN | 72 | $ 16,960,000 | $ 235,555 | $ 223,000 |
| Akron, OH | 54 | $ 14,870,000 | $ 275,370 | $ 221,000 |
| Kankakee, IL | 40 | $ 4,520,000 | $ 113,000 | $ 84,000 |
| Chicago-Naperville, IL | 34 | $ 7,670,000 | $ 225,588 | $ 147,000 |
| Terre Haute, IN | 25 | $ 1,545,000 | $ 61,800 | $ 133,000 |
| Springfield, OH | 24 | $ 1,960,000 | $ 81,666 | $ 83,000 |
| Muncie, IN | 22 | $ 2,100,000 | $ 95,454 | $ 84,000 |
| Danville, IL | 19 | $ 1,245,000 | $ 65,526 | $ 71,000 |
| Elizabethtown-Fort Knox, KY | 17 | $ 2,015,000 | $ 118,529 | $ 80,000 |
| Lexington-Fayette, KY | 15 | $ 4,065,000 | $ 271,000 | $ 124,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 3,210,000 | $ 229,285 | $ 262,000 |
| Canton-Massillon, OH | 13 | $ 4,855,000 | $ 373,461 | $ 189,000 |
| Lima, OH | 13 | $ 1,085,000 | $ 83,461 | $ 60,000 |
| Fort Wayne, IN | 11 | $ 285,000 | $ 25,909 | $ 65,000 |
| Kokomo, IN | 11 | $ 1,005,000 | $ 91,363 | $ 86,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 6,460,000 | $ 646,000 | $ 823,000 |
| Mansfield, OH | 8 | $ 1,610,000 | $ 201,250 | $ 139,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 4,000,000 | $ 500,000 | $ 397,000 |
| Toledo, OH | 8 | $ 500,000 | $ 62,500 | $ 198,000 |
| Bowling Green, KY | 7 | $ 1,455,000 | $ 207,857 | $ 95,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,455,000 | $ 493,571 | $ 557,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 1,565,000 | $ 223,571 | $ 157,000 |
| Knoxville, TN | 6 | $ 2,450,000 | $ 408,333 | $ 218,000 |
| Michigan City-La Porte, IN | 6 | $ 1,540,000 | $ 256,666 | $ 121,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,005,000 | $ 401,000 | $ 1,286,000 |
| Youngstown-Warren-Boardman, OH-PA | 5 | $ 815,000 | $ 163,000 | $ 119,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,150,000 | $ 287,500 | $ 181,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,730,000 | $ 432,500 | $ 374,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 2,810,000 | $ 702,500 | $ 393,000 |
| Champaign-Urbana, IL | 3 | $ 1,035,000 | $ 345,000 | $ 257,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,185,000 | $ 395,000 | $ 316,000 |
| Evansville, IN-KY | 3 | $ 28,525,000 | $ 9,508,333 | $ 62,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 715,000 | $ 238,333 | $ 160,000 |
| Lakeland-Winter Haven, FL | 3 | $ 705,000 | $ 235,000 | $ 108,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,025,000 | $ 341,666 | $ 188,000 |
| Port St. Lucie, FL | 3 | $ 805,000 | $ 268,333 | $ 73,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 10,000 | $ 5,000 | $ 43,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 60,000 | $ 30,000 | $ 35,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 10,000 | $ 5,000 | $ 147,000 |
| Jacksonville, FL | 2 | $ 3,720,000 | $ 1,860,000 | $ 819,000 |
| Kalamazoo-Portage, MI | 2 | $ 33,640,000 | $ 16,820,000 | $ 118,000 |
| Memphis, TN-MS-AR | 2 | $ 330,000 | $ 165,000 | $ 323,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 130,000 | $ 65,000 | $ 41,000 |
| Montgomery, AL | 2 | $ 90,000 | $ 45,000 | $ 105,000 |
| Pittsburgh, PA | 2 | $ 30,000 | $ 15,000 | $ 34,000 |
| Punta Gorda, FL | 2 | $ 650,000 | $ 325,000 | $ 245,000 |
| Sebastian-Vero Beach, FL | 2 | $ 1,430,000 | $ 715,000 | $ 269,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 530,000 | $ 265,000 | $ 150,000 |
| St. Louis, MO-IL | 2 | $ 30,000 | $ 15,000 | $ 90,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 2,320,000 | $ 1,160,000 | $ 424,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 3,850,000 | $ 1,925,000 | $ 343,000 |
| Anchorage, AK | 1 | $ 5,000 | $ 5,000 | $ 46,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 25,000 | $ 25,000 | $ 117,000 |
| Cape Girardeau, MO-IL | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Charleston, WV | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Charleston-North Charleston, SC | 1 | $ 505,000 | $ 505,000 | $ 542,000 |
| Cleveland, TN | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Colorado Springs, CO | 1 | $ 685,000 | $ 685,000 | $ 181,000 |
| Columbia, SC | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Dallas-Plano-Irving, TX | 1 | $ 5,005,000 | $ 5,005,000 | $ 1,091,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 388,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| East Stroudsburg, PA | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Elgin, IL | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Flint, MI | 1 | $ 5,000 | $ 5,000 | $ 71,000 |
| Florence-Muscle Shoals, AL | 1 | $ 105,000 | $ 105,000 | $ 220,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 85,000 | $ 85,000 | $ 248,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Harrisonburg, VA | 1 | $ 195,000 | $ 195,000 | $ 667,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 445,000 | $ 445,000 | $ 458,000 |
| Idaho Falls, ID | 1 | $ 5,000 | $ 5,000 | $ 5,000 |
| Kansas City, MO-KS | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Morristown, TN | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Owensboro, KY | 1 | $ 35,000 | $ 35,000 | $ 12,000 |
| Parkersburg-Vienna, WV | 1 | $ 5,000 | $ 5,000 | $ 14,000 |
| Peoria, IL | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 105,000 | $ 105,000 | $ 55,000 |
| Providence-Warwick, RI-MA | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Reno, NV | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| Roanoke, VA | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Rochester, MN | 1 | $ 33,005,000 | $ 33,005,000 | $ 0 |
| Savannah, GA | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| St. Joseph, MO-KS | 1 | $ 25,000 | $ 25,000 | $ 12,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 55,000 | $ 55,000 | $ 199,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 5,000 | $ 5,000 | $ 174,000 |
| Wheeling, WV-OH | 1 | $ 115,000 | $ 115,000 | $ 228,000 |
| Winchester, VA-WV | 1 | $ 255,000 | $ 255,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for First Financial Bank in 2023
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 | 3,424 | $959,680,000 | $280,000 | $36,505,000 | $116,000 | $3,027,000 |
| Cash-out Refinancing | 2,301 | $275,525,000 | $119,000 | $5,005,000 | $116,000 | $2,015,000 |
| Home Improvement | 1,754 | $226,070,000 | $128,000 | $10,005,000 | $129,000 | $3,672,000 |
| Other Purpose | 1,745 | $180,245,000 | $103,000 | $895,000 | $134,000 | $5,550,000 |
| Refinancing | 251 | $134,395,000 | $535,000 | $13,555,000 | $177,000 | $1,378,000 |
| 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 | 6,921 | $1,112,175,000 | $160,000 | $5,005,000 | $127,000 | $3,027,000 |
| Hispanic | 917 | $108,245,000 | $118,000 | $865,000 | $69,000 | $1,719,000 |
| Not Provided | 688 | $129,830,000 | $188,000 | $2,505,000 | $149,000 | $3,672,000 |
| Black or African American | 614 | $74,130,000 | $120,000 | $1,355,000 | $94,000 | $2,113,000 |
| Asian | 180 | $59,510,000 | $330,000 | $2,115,000 | $217,000 | $1,512,000 |
| American Indian or Alaskan Native | 49 | $8,795,000 | $179,000 | $975,000 | $74,000 | $245,000 |
| Not applicable | 41 | $264,955,000 | $6,462,000 | $36,505,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 3 | $845,000 | $281,000 | $635,000 | $35,000 | $60,000 |
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) | 9,236 | $1,727,100,000 | $186,000 | $36,505,000 | $124,000 | $5,550,000 |
| FHA-insured (Federal Housing Administration) | 201 | $40,545,000 | $201,000 | $495,000 | $76,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 27 | $6,695,000 | $247,000 | $555,000 | $104,000 | $278,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,575,000 | $143,000 | $225,000 | $62,000 | $90,000 |
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 | 6,043 | $1,286,245,000 | $212,000 | $33,605,000 | $135,000 | $3,672,000 |
| Application Denied By Financial Institution | 2,738 | $298,030,000 | $108,000 | $2,505,000 | $93,000 | $5,550,000 |
| Application Withdrawn By Applicant | 564 | $135,710,000 | $240,000 | $5,005,000 | $141,000 | $1,660,000 |
| Application Approved But Not Accepted | 95 | $49,485,000 | $520,000 | $36,505,000 | $109,000 | $808,000 |
| File Closed For Incompleteness | 35 | $6,445,000 | $184,000 | $575,000 | $129,000 | $580,000 |
| 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 | 6,737 | $1,477,885,000 | $219,000 | $36,505,000 | $136,000 | $3,672,000 |
| Credit History | 933 | $53,745,000 | $57,000 | $765,000 | $89,000 | $5,550,000 |
| Debt-To-Income Ratio | 886 | $113,870,000 | $128,000 | $1,845,000 | $62,000 | $590,000 |
| Credit Application Incomplete | 563 | $90,735,000 | $161,000 | $2,255,000 | $132,000 | $1,500,000 |
| Collateral | 259 | $29,195,000 | $112,000 | $2,505,000 | $134,000 | $2,113,000 |
| Other | 51 | $6,245,000 | $122,000 | $905,000 | $89,000 | $325,000 |
| Employment History | 18 | $1,470,000 | $81,000 | $265,000 | $79,000 | $240,000 |
| Unverifiable Information | 16 | $1,500,000 | $93,000 | $355,000 | $88,000 | $277,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,270,000 | $105,000 | $385,000 | $69,000 | $119,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank's 2023 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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