First Financial Bank NA Mortgage Lending & HMDA Data, 2005
In 2005, First Financial Bank NA of Cincinnati, OH reported 3,200 mortgage applications totaling $331.0 million, up 54% from 2004. The average application was for $103,445, and applicants reported an average income of $58,610. 68% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (924), Gary, IN (436) and Lafayette, IN (205) (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 | 3,200 |
| Total Mortgage Loan Application Amount | $331,024,000 |
| Average Mortgage Loan Application Amount | $103,445 |
| Highest Mortgage Loan Application Amount | $1,375,000 |
| Average Applicant Income | $58,610 |
| Highest Applicant Income | $3,000,000 |
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(HMDA) records First Financial Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 924 | $ 112,655,000 | $ 121,920 | $ 62,000 |
| Gary, IN | 436 | $ 44,640,000 | $ 102,385 | $ 66,000 |
| Lafayette, IN | 205 | $ 15,483,000 | $ 75,526 | $ 60,000 |
| Grand Rapids-Wyoming, MI | 121 | $ 13,490,000 | $ 111,487 | $ 55,000 |
| Dayton, OH | 70 | $ 5,262,000 | $ 75,171 | $ 67,000 |
| Lima, OH | 28 | $ 3,338,000 | $ 119,214 | $ 67,000 |
| Columbus, IN | 15 | $ 1,087,000 | $ 72,466 | $ 56,000 |
| Muncie, IN | 15 | $ 1,125,000 | $ 75,000 | $ 63,000 |
| Columbus, OH | 14 | $ 2,185,000 | $ 156,071 | $ 63,000 |
| Kokomo, IN | 13 | $ 747,000 | $ 57,461 | $ 83,000 |
| Indianapolis, IN | 7 | $ 934,000 | $ 133,428 | $ 56,000 |
| Fort Wayne, IN | 5 | $ 425,000 | $ 85,000 | $ 23,000 |
| Toledo, OH | 5 | $ 725,000 | $ 145,000 | $ 114,000 |
| Kalamazoo-Portage, MI | 4 | $ 633,000 | $ 158,250 | $ 99,000 |
| Louisville, KY-IN | 4 | $ 581,000 | $ 145,250 | $ 50,000 |
| Michigan City-La Porte, IN | 4 | $ 592,000 | $ 148,000 | $ 44,000 |
| Sandusky, OH | 4 | $ 687,000 | $ 171,750 | $ 118,000 |
| Lansing-East Lansing, MI | 3 | $ 213,000 | $ 71,000 | $ 53,000 |
| Springfield, OH | 3 | $ 148,000 | $ 49,333 | $ 34,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 392,000 | $ 130,666 | $ 87,000 |
| Battle Creek, MI | 2 | $ 128,000 | $ 64,000 | $ 44,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 241,000 | $ 120,500 | $ 80,000 |
| Akron, OH | 1 | $ 117,000 | $ 117,000 | $ 77,000 |
| Anderson, IN | 1 | $ 53,000 | $ 53,000 | $ 43,000 |
| Bay City, MI | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Bloomington, IN | 1 | $ 87,000 | $ 87,000 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 74,000 | $ 74,000 | $ 258,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 359,000 | $ 359,000 | $ 148,000 |
| Greenville, SC | 1 | $ 204,000 | $ 204,000 | $ 443,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 216,000 | $ 216,000 | $ 150,000 |
| Lexington-Fayette, KY | 1 | $ 230,000 | $ 230,000 | $ 93,000 |
| Mansfield, OH | 1 | $ 77,000 | $ 77,000 | $ 36,000 |
| Naples-Marco Island, FL | 1 | $ 324,000 | $ 324,000 | $ 161,000 |
| Punta Gorda, FL | 1 | $ 143,000 | $ 143,000 | $ 142,000 |
| Santa Fe, NM | 1 | $ 700,000 | $ 700,000 | $ 311,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 200,000 | $ 200,000 | $ 56,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 282,000 | $ 282,000 | $ 358,000 |
| Terre Haute, IN | 1 | $ 104,000 | $ 104,000 | $ 63,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 1,180,000 | $ 1,180,000 | $ 3,000,000 |
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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