First Financial Bank NA Mortgage Lending & HMDA Data, 2015
In 2015, First Financial Bank NA of Cincinnati, OH reported 2,841 mortgage applications totaling $517.2 million, up 27% from 2014. The average application was for $182,048, and applicants reported an average income of $96,055. 73% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Columbus, OH (1,048), Cincinnati, OH-KY-IN (698) and Columbus, IN (201) (applications in parentheses).
| 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 | 2,841 |
| Total Mortgage Loan Application Amount | $517,200,000 |
| Average Mortgage Loan Application Amount | $182,048 |
| Highest Mortgage Loan Application Amount | $10,800,000 |
| Average Applicant Income | $96,055 |
| Highest Applicant Income | $2,160,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Financial Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Columbus, OH | 1,048 | $ 223,829,000 | $ 213,577 | $ 113,000 |
| Cincinnati, OH-KY-IN | 698 | $ 105,802,000 | $ 151,578 | $ 86,203 |
| Columbus, IN | 201 | $ 30,586,000 | $ 152,169 | $ 82,000 |
| Gary, IN | 185 | $ 26,257,000 | $ 141,929 | $ 77,000 |
| Indianapolis-Carmel-Anderson, IN | 146 | $ 27,472,000 | $ 188,164 | $ 105,000 |
| Dayton, OH | 109 | $ 19,846,000 | $ 182,073 | $ 78,000 |
| Fort Wayne, IN | 29 | $ 5,743,000 | $ 198,034 | $ 126,000 |
| Lafayette-West Lafayette, IN | 20 | $ 2,136,000 | $ 106,800 | $ 53,000 |
| Lima, OH | 14 | $ 1,456,000 | $ 104,000 | $ 43,000 |
| Cleveland-Elyria, OH | 11 | $ 2,395,000 | $ 217,727 | $ 71,000 |
| Chicago-Naperville-Arlington Heights, IL | 9 | $ 1,499,000 | $ 166,555 | $ 131,000 |
| Bloomington, IN | 7 | $ 11,703,000 | $ 1,671,857 | $ 60,000 |
| Springfield, OH | 6 | $ 599,000 | $ 99,833 | $ 72,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 972,000 | $ 194,400 | $ 84,400 |
| Toledo, OH | 5 | $ 786,000 | $ 157,200 | $ 98,000 |
| Akron, OH | 4 | $ 698,000 | $ 174,500 | $ 72,000 |
| Kokomo, IN | 4 | $ 6,282,000 | $ 1,570,500 | $ 84,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 1,701,000 | $ 425,250 | $ 168,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 633,000 | $ 211,000 | $ 94,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 357,000 | $ 119,000 | $ 46,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 671,000 | $ 223,666 | $ 285,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 594,000 | $ 297,000 | $ 156,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 260,000 | $ 130,000 | $ 86,000 |
| Mansfield, OH | 2 | $ 654,000 | $ 327,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 489,000 | $ 244,500 | $ 210,000 |
| Michigan City-La Porte, IN | 2 | $ 382,000 | $ 191,000 | $ 67,000 |
| Muncie, IN | 2 | $ 128,000 | $ 64,000 | $ 76,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 909,000 | $ 454,500 | $ 274,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 1,913,000 | $ 956,500 | $ 368,000 |
| Wheeling, WV-OH | 2 | $ 292,000 | $ 146,000 | $ 104,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 348,000 | $ 348,000 | $ 400,000 |
| Bloomington, IL | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 219,000 | $ 219,000 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 331,000 | $ 331,000 | $ 239,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Gainesville, GA | 1 | $ 340,000 | $ 340,000 | $ 79,000 |
| Knoxville, TN | 1 | $ 272,000 | $ 272,000 | $ 157,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 191,000 | $ 191,000 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 187,000 | $ 187,000 | $ 50,000 |
| Port St. Lucie, FL | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Sebastian-Vero Beach, FL | 1 | $ 316,000 | $ 316,000 | $ 240,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Terre Haute, IN | 1 | $ 73,000 | $ 73,000 | $ 164,000 |
| The Villages, FL | 1 | $ 166,000 | $ 166,000 | $ 59,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 140,000 | $ 140,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for First Financial Bank NA in 2015
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 | 1,824 | $320,696,000 | $175,000 | $5,622,000 | $90,000 | $1,900,000 |
| Refinancing | 964 | $195,719,000 | $203,000 | $10,800,000 | $109,000 | $2,160,000 |
| Home Improvement | 53 | $785,000 | $14,000 | $60,000 | $69,000 | $505,000 |
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 | 2,397 | $411,482,000 | $171,000 | $1,690,000 | $100,000 | $2,160,000 |
| Not Provided | 116 | $18,075,000 | $155,000 | $754,000 | $99,000 | $685,000 |
| Not applicable | 100 | $48,159,000 | $481,000 | $10,800,000 | $0 | $0 |
| Black or African American | 84 | $12,194,000 | $145,000 | $785,000 | $69,000 | $575,000 |
| Asian | 77 | $16,985,000 | $220,000 | $1,000,000 | $115,000 | $485,000 |
| Hispanic | 62 | $9,667,000 | $155,000 | $466,000 | $94,000 | $505,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $430,000 | $143,000 | $164,000 | $72,000 | $101,000 |
| American Indian or Alaskan Native | 2 | $208,000 | $104,000 | $178,000 | $51,000 | $55,000 |
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) | 2,318 | $446,540,000 | $192,000 | $10,800,000 | $104,000 | $2,160,000 |
| FHA-insured (Federal Housing Administration) | 386 | $49,338,000 | $127,000 | $385,000 | $55,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 83 | $14,929,000 | $179,000 | $421,000 | $74,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,393,000 | $118,000 | $268,000 | $49,000 | $109,000 |
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 | 2,086 | $398,749,000 | $191,000 | $10,800,000 | $94,000 | $1,456,000 |
| Application Denied By Financial Institution | 583 | $86,803,000 | $148,000 | $1,690,000 | $95,000 | $2,160,000 |
| Application Withdrawn By Applicant | 124 | $22,196,000 | $179,000 | $779,000 | $106,000 | $1,900,000 |
| Application Approved But Not Accepted | 29 | $5,943,000 | $204,000 | $1,000,000 | $147,000 | $439,000 |
| File Closed For Incompleteness | 19 | $3,509,000 | $184,000 | $417,000 | $172,000 | $1,024,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 152 | $20,239,000 | $133,000 | $1,500,000 | $91,000 | $1,464,000 |
| Collateral | 150 | $22,622,000 | $150,000 | $675,000 | $94,000 | $757,000 |
| Credit Application Incomplete | 141 | $24,075,000 | $170,000 | $1,690,000 | $122,000 | $2,160,000 |
| Debt-To-Income Ratio | 87 | $12,006,000 | $138,000 | $1,000,000 | $52,000 | $330,000 |
| Employment History | 22 | $3,284,000 | $149,000 | $417,000 | $58,000 | $183,000 |
| Other | 17 | $1,977,000 | $116,000 | $648,000 | $154,000 | $505,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,788,000 | $223,000 | $672,000 | $158,000 | $685,000 |
| Unverifiable Information | 5 | $736,000 | $147,000 | $236,000 | $95,000 | $140,000 |
| Mortgage Insurance Denied | 1 | $76,000 | $76,000 | $76,000 | $45,000 | $45,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank NA's 2015 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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