First Financial Bank Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
First Financial Bank Na 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Financial Bank Na 255 East Fifth Street Suite #900 Cincinnati, OH 45202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,200 |
| Total Mortgage Loan Application Amount | $331,024,000 |
| Average Mortgage Loan Application Amount | $159,739 |
| Highest Mortgage Loan Application Amount | $1,375,000 |
| Average Applicant Income | $142,869 |
| Highest Applicant Income | $3,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with First Financial Bank Na. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Financial Bank Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down First Financial Bank Na's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Financial Bank Na serves its applicants.
Each category highlights the total number of mortgage applications processed by First Financial Bank Na, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Financial Bank Na's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Butler County Ohio | 703 | $ 74,161,000 | $ 105,000 | $ 52,000 |
| Lake County Indiana | 408 | $ 42,349,000 | $ 103,000 | $ 65,000 |
| Mercer County Ohio | 183 | $ 18,430,000 | $ 100,000 | $ 45,000 |
| Carroll County Indiana | 146 | $ 9,333,000 | $ 63,000 | $ 42,000 |
| Barry County Michigan | 118 | $ 13,159,000 | $ 111,000 | $ 53,000 |
| Hamilton County Ohio | 116 | $ 21,012,000 | $ 181,000 | $ 66,000 |
| Van Wert County Ohio | 95 | $ 6,994,000 | $ 73,000 | $ 61,000 |
| Sandusky County Ohio | 83 | $ 7,413,000 | $ 89,000 | $ 45,000 |
| Warren County Ohio | 80 | $ 13,960,000 | $ 174,000 | $ 85,000 |
| Boone County Kentucky | 62 | $ 7,062,000 | $ 113,000 | $ 53,000 |
| Williams County Ohio | 58 | $ 6,832,000 | $ 117,000 | $ 46,000 |
| Tippecanoe County Indiana | 57 | $ 5,965,000 | $ 104,000 | $ 99,000 |
| Fayette County Indiana | 52 | $ 3,427,000 | $ 65,000 | $ 56,000 |
| Auglaize County Ohio | 48 | $ 4,437,000 | $ 92,000 | $ 42,000 |
| Paulding County Ohio | 47 | $ 2,614,000 | $ 55,000 | $ 50,000 |
| Preble County Ohio | 46 | $ 2,599,000 | $ 56,000 | $ 52,000 |
| Blackford County Indiana | 36 | $ 1,841,000 | $ 51,000 | $ 35,000 |
| Kenton County Kentucky | 33 | $ 4,414,000 | $ 133,000 | $ 73,000 |
| Franklin County Indiana | 32 | $ 3,134,000 | $ 97,000 | $ 53,000 |
| Switzerland County Indiana | 29 | $ 2,510,000 | $ 86,000 | $ 43,000 |
| Allen County Ohio | 28 | $ 3,338,000 | $ 119,000 | $ 67,000 |
| Jay County Indiana | 26 | $ 2,469,000 | $ 94,000 | $ 43,000 |
| Rush County Indiana | 26 | $ 1,300,000 | $ 50,000 | $ 39,000 |
| Wabash County Indiana | 25 | $ 2,224,000 | $ 88,000 | $ 54,000 |
| Kosciusko County Indiana | 24 | $ 2,661,000 | $ 110,000 | $ 62,000 |
| Jennings County Indiana | 23 | $ 1,690,000 | $ 73,000 | $ 150,000 |
| Porter County Indiana | 23 | $ 1,990,000 | $ 86,000 | $ 65,000 |
| Clermont County Ohio | 23 | $ 3,127,000 | $ 135,000 | $ 67,000 |
| Montgomery County Ohio | 23 | $ 2,658,000 | $ 115,000 | $ 86,000 |
| Union County Indiana | 21 | $ 1,661,000 | $ 79,000 | $ 47,000 |
| Randolph County Indiana | 20 | $ 929,000 | $ 46,000 | $ 48,000 |
| White County Indiana | 20 | $ 1,969,000 | $ 98,000 | $ 54,000 |
| Bartholomew County Indiana | 15 | $ 1,087,000 | $ 72,000 | $ 56,000 |
| Clinton County Indiana | 15 | $ 1,090,000 | $ 72,000 | $ 59,000 |
| Delaware County Indiana | 15 | $ 1,125,000 | $ 75,000 | $ 63,000 |
| Jefferson County Indiana | 15 | $ 1,451,000 | $ 96,000 | $ 45,000 |
| Howard County Indiana | 13 | $ 747,000 | $ 57,000 | $ 83,000 |
| Defiance County Ohio | 13 | $ 1,233,000 | $ 94,000 | $ 42,000 |
| Fulton County Indiana | 11 | $ 880,000 | $ 80,000 | $ 45,000 |
| Seneca County Ohio | 10 | $ 888,000 | $ 88,000 | $ 40,000 |
| Franklin County Ohio | 9 | $ 1,356,000 | $ 150,000 | $ 65,000 |
| Henry County Indiana | 8 | $ 898,000 | $ 112,000 | $ 46,000 |
| Cass County Indiana | 7 | $ 435,000 | $ 62,000 | $ 63,000 |
| Huron County Ohio | 6 | $ 453,000 | $ 75,000 | $ 52,000 |
| Allen County Indiana | 5 | $ 425,000 | $ 85,000 | $ 23,000 |
| Campbell County Kentucky | 5 | $ 447,000 | $ 89,000 | $ 64,000 |
| Darke County Ohio | 5 | $ 222,000 | $ 44,000 | $ 44,000 |
| Decatur County Indiana | 4 | $ 320,000 | $ 80,000 | $ 52,000 |
| LaPorte County Indiana | 4 | $ 592,000 | $ 148,000 | $ 44,000 |
| Wayne County Indiana | 4 | $ 498,000 | $ 124,000 | $ 57,000 |
| Delaware County Ohio | 4 | $ 714,000 | $ 178,000 | $ 66,000 |
| Erie County Ohio | 4 | $ 687,000 | $ 171,000 | $ 118,000 |
| Putnam County Ohio | 4 | $ 576,000 | $ 144,000 | $ 60,000 |
| Shelby County Ohio | 4 | $ 715,000 | $ 178,000 | $ 125,000 |
| Jackson County Indiana | 3 | $ 437,000 | $ 145,000 | $ 67,000 |
| Jasper County Indiana | 3 | $ 194,000 | $ 64,000 | $ 91,000 |
| Allegan County Michigan | 3 | $ 670,000 | $ 223,000 | $ 95,000 |
| Eaton County Michigan | 3 | $ 213,000 | $ 71,000 | $ 53,000 |
| Kalamazoo County Michigan | 3 | $ 373,000 | $ 124,000 | $ 51,000 |
| Clark County Ohio | 3 | $ 148,000 | $ 49,000 | $ 34,000 |
| Cook County Illinois | 2 | $ 241,000 | $ 120,000 | $ 80,000 |
| Benton County Indiana | 2 | $ 185,000 | $ 92,000 | $ 43,000 |
| Dearborn County Indiana | 2 | $ 546,000 | $ 273,000 | $ 77,000 |
| Hancock County Indiana | 2 | $ 301,000 | $ 150,000 | $ 85,000 |
| Marion County Indiana | 2 | $ 93,000 | $ 46,000 | $ 16,000 |
| Miami County Indiana | 2 | $ 34,000 | $ 17,000 | $ 33,000 |
| Newton County Indiana | 2 | $ 107,000 | $ 53,000 | $ 81,000 |
| Ohio County Indiana | 2 | $ 133,000 | $ 66,000 | $ 64,000 |
| Starke County Indiana | 2 | $ 145,000 | $ 72,000 | $ 37,000 |
| Grant County Kentucky | 2 | $ 321,000 | $ 160,000 | $ 50,000 |
| Owen County Kentucky | 2 | $ 221,000 | $ 110,000 | $ 58,000 |
| Trimble County Kentucky | 2 | $ 364,000 | $ 182,000 | $ 77,000 |
| Calhoun County Michigan | 2 | $ 128,000 | $ 64,000 | $ 44,000 |
| Hillsdale County Michigan | 2 | $ 263,000 | $ 131,000 | $ 25,000 |
| Ionia County Michigan | 2 | $ 276,000 | $ 138,000 | $ 90,000 |
| Brown County Ohio | 2 | $ 395,000 | $ 197,000 | $ 91,000 |
| Hancock County Ohio | 2 | $ 223,000 | $ 111,000 | $ 68,000 |
| Lucas County Ohio | 2 | $ 204,000 | $ 102,000 | $ 48,000 |
| Ottawa County Ohio | 2 | $ 404,000 | $ 202,000 | $ 160,000 |
| Sonoma County California | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Broward County Florida | 1 | $ 359,000 | $ 359,000 | $ 148,000 |
| Charlotte County Florida | 1 | $ 143,000 | $ 143,000 | $ 142,000 |
| Collier County Florida | 1 | $ 324,000 | $ 324,000 | $ 161,000 |
| Hernando County Florida | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| Hillsborough County Florida | 1 | $ 144,000 | $ 144,000 | $ 72,000 |
| Lee County Florida | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Manatee County Florida | 1 | $ 282,000 | $ 282,000 | $ 358,000 |
| Palm Beach County Florida | 1 | $ 1,180,000 | $ 1,180,000 | $ 3,000,000 |
| Pinellas County Florida | 1 | $ 138,000 | $ 138,000 | $ 132,000 |
| Boone County Indiana | 1 | $ 252,000 | $ 252,000 | $ 52,000 |
| Clay County Indiana | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| Fountain County Indiana | 1 | $ 68,000 | $ 68,000 | $ 55,000 |
| Hamilton County Indiana | 1 | $ 248,000 | $ 248,000 | $ 126,000 |
| Madison County Indiana | 1 | $ 53,000 | $ 53,000 | $ 43,000 |
| Monroe County Indiana | 1 | $ 87,000 | $ 87,000 | $ 159,000 |
| Montgomery County Indiana | 1 | $ 4,000 | $ 4,000 | $ 21,000 |
| Morgan County Indiana | 1 | $ 40,000 | $ 40,000 | $ 16,000 |
| Scott County Indiana | 1 | $ 68,000 | $ 68,000 | $ 85,000 |
| Steuben County Indiana | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Warren County Indiana | 1 | $ 100,000 | $ 100,000 | $ 54,000 |
| Bullitt County Kentucky | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Fayette County Kentucky | 1 | $ 230,000 | $ 230,000 | $ 93,000 |
| Jefferson County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Lee County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Pulaski County Kentucky | 1 | $ 62,000 | $ 62,000 | $ 80,000 |
| Bay County Michigan | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Cass County Michigan | 1 | $ 80,000 | $ 80,000 | $ 88,000 |
| Luce County Michigan | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Newaygo County Michigan | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Van Buren County Michigan | 1 | $ 260,000 | $ 260,000 | $ 244,000 |
| McKinley County New Mexico | 1 | $ 236,000 | $ 236,000 | $ 238,000 |
| Santa Fe County New Mexico | 1 | $ 700,000 | $ 700,000 | $ 311,000 |
| Catawba County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 150,000 |
| Clinton County Ohio | 1 | $ 122,000 | $ 122,000 | $ 62,000 |
| Henry County Ohio | 1 | $ 31,000 | $ 31,000 | $ 26,000 |
| Medina County Ohio | 1 | $ 74,000 | $ 74,000 | $ 258,000 |
| Miami County Ohio | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Richland County Ohio | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
| Summit County Ohio | 1 | $ 117,000 | $ 117,000 | $ 77,000 |
| Union County Ohio | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Wood County Ohio | 1 | $ 117,000 | $ 117,000 | $ 91,000 |
| Wyandot County Ohio | 1 | $ 151,000 | $ 151,000 | $ 130,000 |
| Beaufort County South Carolina | 1 | $ 20,000 | $ 20,000 | $ 106,000 |
| Georgetown County South Carolina | 1 | $ 193,000 | $ 193,000 | $ 119,000 |
| Greenville County South Carolina | 1 | $ 204,000 | $ 204,000 | $ 443,000 |
| Sawyer County Wisconsin | 1 | $ 100,000 | $ 100,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for First Financial Bank Na in 2005
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 | 1,469 | $180,303,000 | $203,090 | $1,375,000 | $123,636 | $1,253,000 |
| Refinancing | 1,296 | $140,377,000 | $185,857 | $1,180,000 | $230,428 | $3,000,000 |
| Home Improvement | 435 | $10,344,000 | $27,800 | $359,000 | $62,600 | $405,000 |
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 | 2,970 | $307,686,000 | $176,583 | $1,375,000 | $142,416 | $3,000,000 |
| Not Provided | 68 | $5,185,000 | $69,600 | $900,000 | $41,800 | $229,000 |
| Hispanic | 64 | $5,595,000 | $105,500 | $360,000 | $53,750 | $653,000 |
| Not applicable | 32 | $4,208,000 | $116,000 | $650,000 | $0 | $0 |
| Black or African American | 30 | $3,040,000 | $123,000 | $360,000 | $59,000 | $140,000 |
| Asian | 24 | $4,117,000 | $149,000 | $618,000 | $94,000 | $421,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $772,000 | $103,500 | $230,000 | $84,500 | $142,000 |
| American Indian or Alaskan Native | 5 | $421,000 | $107,666 | $154,000 | $60,333 | $212,000 |
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) | 3,177 | $328,769,000 | $174,250 | $1,375,000 | $137,833 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,640,000 | $127,000 | $154,000 | $33,333 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $553,000 | $54,333 | $120,000 | $36,333 | $73,000 |
| VA-guaranteed (Veterans Administration) | 1 | $62,000 | $62,000 | $62,000 | $34,000 | $34,000 |
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 | 2,178 | $225,968,000 | $175,818 | $1,180,000 | $161,181 | $3,000,000 |
| Application Denied By Financial Institution | 403 | $30,223,000 | $94,400 | $960,000 | $41,000 | $258,000 |
| Application Withdrawn By Applicant | 163 | $19,067,000 | $175,200 | $900,000 | $84,000 | $270,000 |
| Preapproval Approved but not Accepted | 155 | $18,847,000 | $112,333 | $380,000 | $62,000 | $490,000 |
| Application Approved But Not Accepted | 110 | $13,001,000 | $151,142 | $543,000 | $88,428 | $1,253,000 |
| Loan Purchased By The Institution | 99 | $16,358,000 | $156,000 | $1,375,000 | $76,000 | $276,000 |
| Preapproval Denied by Financial Institution | 90 | $7,460,000 | $78,000 | $280,000 | $32,750 | $103,000 |
| File Closed For Incompleteness | 2 | $100,000 | $50,000 | $75,000 | $41,500 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 185 | $9,708,000 | $61,200 | $225,000 | $41,400 | $120,000 |
| Debt-To-Income Ratio | 181 | $17,305,000 | $113,000 | $960,000 | $34,800 | $178,000 |
| Collateral | 56 | $4,591,000 | $107,200 | $280,000 | $51,000 | $258,000 |
| Other | 31 | $3,148,000 | $108,200 | $252,000 | $56,200 | $108,000 |
| Employment History | 20 | $1,208,000 | $72,250 | $126,000 | $32,750 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,000,000 | $82,333 | $130,000 | $31,000 | $56,000 |
| Credit Application Incomplete | 5 | $507,000 | $100,000 | $171,000 | $28,666 | $84,000 |
| Mortgage Insurance Denied | 2 | $162,000 | $81,000 | $135,000 | $41,500 | $43,000 |
| Unverifiable Information | 1 | $54,000 | $54,000 | $54,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank Na's 2005 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 Na'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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