First Financial Bank NA Mortgage Lending & HMDA Data, 2020

In 2020, First Financial Bank NA of Terre Haute, IN reported 3,413 mortgage applications totaling $448.4 million, up 33% from 2019. The average application was for $131,372, and applicants reported an average income of $84,693. 52% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Terre Haute, IN (1,343), Indianapolis-Carmel-Anderson, IN (223) and Danville, IL (94) (applications in parentheses).

Mortgage Company & Address First Financial Bank NA
1401 S. Third St.
Terre Haute, IN 47802
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,413
Total Mortgage Loan Application Amount $448,375,000
Average Mortgage Loan Application Amount $131,372
Highest Mortgage Loan Application Amount $9,605,000
Average Applicant Income $84,693
Highest Applicant Income $2,421,000

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(HMDA) records First Financial Bank NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Financial Bank NA by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Vigo, Indiana 812 $ 109,550,000 $ 134,913 $ 82,000
Clay, Indiana 171 $ 20,225,000 $ 118,274 $ 82,000
Sullivan, Indiana 147 $ 14,615,000 $ 99,421 $ 75,000
Vermillion, Indiana 138 $ 11,550,000 $ 83,695 $ 69,000
Vermilion, Illinois 94 $ 7,220,000 $ 76,808 $ 80,000
Parke, Indiana 75 $ 9,495,000 $ 126,600 $ 81,000
Greene, Indiana 71 $ 7,115,000 $ 100,211 $ 71,000
Champaign, Illinois 65 $ 9,325,000 $ 143,461 $ 87,000
Marion, Indiana 59 $ 16,225,000 $ 275,000 $ 190,000
Cheatham, Tennessee 52 $ 9,330,000 $ 179,423 $ 83,000
Coles, Illinois 49 $ 4,185,000 $ 85,408 $ 64,000
Clark, Illinois 46 $ 4,050,000 $ 88,043 $ 72,000
Calloway, Kentucky 46 $ 8,430,000 $ 183,260 $ 115,000
Knox, Indiana 45 $ 3,075,000 $ 68,333 $ 65,000
Hamilton, Indiana 44 $ 12,060,000 $ 274,090 $ 149,000
Putnam, Indiana 43 $ 5,875,000 $ 136,627 $ 107,000
Christian, Kentucky 40 $ 5,370,000 $ 134,250 $ 132,000
Marshall, Kentucky 39 $ 5,765,000 $ 147,820 $ 89,000
Crawford, Illinois 38 $ 2,720,000 $ 71,578 $ 76,000
Lawrence, Illinois 30 $ 2,190,000 $ 73,000 $ 76,000
Montgomery, Tennessee 30 $ 5,760,000 $ 192,000 $ 190,000
McLean, Illinois 28 $ 4,900,000 $ 175,000 $ 141,000
Hendricks, Indiana 27 $ 5,165,000 $ 191,296 $ 119,000
Madison, Indiana 25 $ 3,195,000 $ 127,800 $ 55,000
Jasper, Illinois 24 $ 1,580,000 $ 65,833 $ 63,000
Livingston, Illinois 23 $ 2,395,000 $ 104,130 $ 129,000
Owen, Indiana 21 $ 1,535,000 $ 73,095 $ 50,000
Trigg, Kentucky 20 $ 2,350,000 $ 117,500 $ 142,000
Franklin, Illinois 17 $ 845,000 $ 49,705 $ 43,000
Wayne, Illinois 17 $ 1,305,000 $ 76,764 $ 52,000
Richland, Illinois 16 $ 1,180,000 $ 73,750 $ 64,000
Cumberland, Illinois 15 $ 1,425,000 $ 95,000 $ 74,000
Fountain, Indiana 15 $ 1,285,000 $ 85,666 $ 52,000
Vanderburgh, Indiana 13 $ 3,785,000 $ 291,153 $ 73,000
Edgar, Illinois 12 $ 1,010,000 $ 84,166 $ 74,000
Davidson, Tennessee 11 $ 4,775,000 $ 434,090 $ 180,000
Obion, Tennessee 11 $ 1,295,000 $ 117,727 $ 79,000
Daviess, Indiana 10 $ 1,340,000 $ 134,000 $ 220,000
Hancock, Indiana 10 $ 2,390,000 $ 239,000 $ 174,000
Monroe, Indiana 10 $ 6,660,000 $ 666,000 $ 85,000
Marion, Illinois 9 $ 555,000 $ 61,666 $ 71,000
Todd, Kentucky 9 $ 895,000 $ 99,444 $ 68,000
Boone, Indiana 7 $ 2,075,000 $ 296,428 $ 161,000
Graves, Kentucky 7 $ 545,000 $ 77,857 $ 84,000
Charlotte, Florida 6 $ 1,670,000 $ 278,333 $ 100,000
Cook, Illinois 6 $ 1,270,000 $ 211,666 $ 85,000
Henry, Indiana 6 $ 780,000 $ 130,000 $ 44,000
Houston, Tennessee 6 $ 520,000 $ 86,666 $ 72,000
Williamson, Tennessee 6 $ 1,670,000 $ 278,333 $ 175,000
Edwards, Illinois 5 $ 415,000 $ 83,000 $ 78,000
Effingham, Illinois 5 $ 355,000 $ 71,000 $ 42,000
Piatt, Illinois 5 $ 785,000 $ 157,000 $ 133,000
Warren, Indiana 5 $ 585,000 $ 117,000 $ 71,000
Fulton, Kentucky 5 $ 375,000 $ 75,000 $ 34,000
Robertson, Tennessee 5 $ 1,285,000 $ 257,000 $ 274,000
Lee, Florida 4 $ 1,330,000 $ 332,500 $ 292,000
Jefferson, Illinois 4 $ 300,000 $ 75,000 $ 82,000
Macon, Illinois 4 $ 530,000 $ 132,500 $ 61,000
Delaware, Indiana 4 $ 610,000 $ 152,500 $ 84,000
Johnson, Indiana 4 $ 1,030,000 $ 257,500 $ 132,000
Sevier, Tennessee 4 $ 1,120,000 $ 280,000 $ 310,000
Wilson, Tennessee 4 $ 1,500,000 $ 375,000 $ 119,000
Sarasota, Florida 3 $ 655,000 $ 218,333 $ 129,000
Clay, Illinois 3 $ 355,000 $ 118,333 $ 188,000
Gibson, Indiana 3 $ 325,000 $ 108,333 $ 69,000
Morgan, Indiana 3 $ 995,000 $ 331,666 $ 197,000
Tippecanoe, Indiana 3 $ 555,000 $ 185,000 $ 262,000
Jefferson, Kentucky 3 $ 595,000 $ 198,333 $ 100,000
McCracken, Kentucky 3 $ 375,000 $ 125,000 $ 69,000
Dickson, Tennessee 3 $ 395,000 $ 131,666 $ 47,000
Stewart, Tennessee 3 $ 555,000 $ 185,000 $ 71,000
Los Angeles, California 2 $ 600,000 $ 300,000 $ 53,000
Manatee, Florida 2 $ 700,000 $ 350,000 $ 241,000
Pinellas, Florida 2 $ 530,000 $ 265,000 $ 77,000
Polk, Florida 2 $ 450,000 $ 225,000 $ 178,000
De Witt, Illinois 2 $ 160,000 $ 80,000 $ 306,000
Hamilton, Illinois 2 $ 120,000 $ 60,000 $ 47,000
Jackson, Illinois 2 $ 150,000 $ 75,000 $ 38,000
Morgan, Illinois 2 $ 100,000 $ 50,000 $ 34,000
Shelby, Illinois 2 $ 110,000 $ 55,000 $ 56,000
Woodford, Illinois 2 $ 1,090,000 $ 545,000 $ 276,000
Clinton, Indiana 2 $ 90,000 $ 45,000 $ 99,000
Lake, Indiana 2 $ 230,000 $ 115,000 $ 71,000
Lawrence, Indiana 2 $ 500,000 $ 250,000 $ 91,000
Pike, Indiana 2 $ 60,000 $ 30,000 $ 414,000
Steuben, Indiana 2 $ 250,000 $ 125,000 $ 44,000
Warrick, Indiana 2 $ 470,000 $ 235,000 $ 39,000
Boyle, Kentucky 2 $ 390,000 $ 195,000 $ 123,000
Hickman, Kentucky 2 $ 220,000 $ 110,000 $ 56,000
Lyon, Kentucky 2 $ 290,000 $ 145,000 $ 88,000
Camden, Missouri 2 $ 430,000 $ 215,000 $ 106,000
Rutherford, Tennessee 2 $ 470,000 $ 235,000 $ 54,000
Tallapoosa, Alabama 1 $ 165,000 $ 165,000 $ 458,000
Winston, Alabama 1 $ 85,000 $ 85,000 $ 95,000
Pulaski, Arkansas 1 $ 65,000 $ 65,000 $ 113,000
El Paso, Colorado 1 $ 265,000 $ 265,000 $ 240,000
Collier, Florida 1 $ 235,000 $ 235,000 $ 223,000
Palm Beach, Florida 1 $ 345,000 $ 345,000 $ 64,000
Pasco, Florida 1 $ 225,000 $ 225,000 $ 122,000
Seminole, Florida 1 $ 205,000 $ 205,000 $ 49,000
Suwannee, Florida 1 $ 85,000 $ 85,000 $ 55,000
Volusia, Florida 1 $ 165,000 $ 165,000 $ 338,000
Walton, Florida 1 $ 265,000 $ 265,000 $ 648,000
Chatham, Georgia 1 $ 245,000 $ 245,000 $ 0
Blaine, Idaho 1 $ 395,000 $ 395,000 $ 74,000
Clinton, Illinois 1 $ 55,000 $ 55,000 $ 40,000
Douglas, Illinois 1 $ 105,000 $ 105,000 $ 42,000
Fayette, Illinois 1 $ 35,000 $ 35,000 $ 40,000
McDonough, Illinois 1 $ 35,000 $ 35,000 $ 24,000
Moultrie, Illinois 1 $ 5,000 $ 5,000 $ 52,000
Peoria, Illinois 1 $ 25,000 $ 25,000 $ 159,000
Perry, Illinois 1 $ 35,000 $ 35,000 $ 32,000
Randolph, Illinois 1 $ 25,000 $ 25,000 $ 68,000
St. Clair, Illinois 1 $ 85,000 $ 85,000 $ 95,000
Tazewell, Illinois 1 $ 55,000 $ 55,000 $ 159,000
Wabash, Illinois 1 $ 65,000 $ 65,000 $ 29,000
White, Illinois 1 $ 25,000 $ 25,000 $ 59,000
Will, Illinois 1 $ 155,000 $ 155,000 $ 39,000
Williamson, Illinois 1 $ 45,000 $ 45,000 $ 0
Winnebago, Illinois 1 $ 185,000 $ 185,000 $ 294,000
Adams, Indiana 1 $ 105,000 $ 105,000 $ 234,000
Brown, Indiana 1 $ 305,000 $ 305,000 $ 558,000
Clark, Indiana 1 $ 445,000 $ 445,000 $ 171,000
Howard, Indiana 1 $ 515,000 $ 515,000 $ 250,000
LaPorte, Indiana 1 $ 155,000 $ 155,000 $ 91,000
Martin, Indiana 1 $ 475,000 $ 475,000 $ 0
Montgomery, Indiana 1 $ 125,000 $ 125,000 $ 116,000
Perry, Indiana 1 $ 245,000 $ 245,000 $ 81,000
Posey, Indiana 1 $ 85,000 $ 85,000 $ 20,000
Rush, Indiana 1 $ 75,000 $ 75,000 $ 36,000
Spencer, Indiana 1 $ 75,000 $ 75,000 $ 74,000
St. Joseph, Indiana 1 $ 365,000 $ 365,000 $ 166,000
Tipton, Indiana 1 $ 285,000 $ 285,000 $ 82,000
Wayne, Indiana 1 $ 75,000 $ 75,000 $ 36,000
Scott, Iowa 1 $ 45,000 $ 45,000 $ 195,000
Ballard, Kentucky 1 $ 175,000 $ 175,000 $ 74,000
Bullitt, Kentucky 1 $ 325,000 $ 325,000 $ 0
Caldwell, Kentucky 1 $ 45,000 $ 45,000 $ 63,000
Carlisle, Kentucky 1 $ 1,385,000 $ 1,385,000 $ 1,026,000
Crittenden, Kentucky 1 $ 55,000 $ 55,000 $ 17,000
Fayette, Kentucky 1 $ 85,000 $ 85,000 $ 323,000
Henderson, Kentucky 1 $ 185,000 $ 185,000 $ 0
Hopkins, Kentucky 1 $ 175,000 $ 175,000 $ 129,000
Livingston, Kentucky 1 $ 65,000 $ 65,000 $ 69,000
Logan, Kentucky 1 $ 145,000 $ 145,000 $ 88,000
Russell, Kentucky 1 $ 55,000 $ 55,000 $ 187,000
Monmouth, New Jersey 1 $ 295,000 $ 295,000 $ 108,000
Cumberland, North Carolina 1 $ 255,000 $ 255,000 $ 65,000
Onslow, North Carolina 1 $ 155,000 $ 155,000 $ 126,000
Richland, Ohio 1 $ 165,000 $ 165,000 $ 63,000
Coos, Oregon 1 $ 165,000 $ 165,000 $ 167,000
Beaver, Pennsylvania 1 $ 115,000 $ 115,000 $ 75,000
Horry, South Carolina 1 $ 125,000 $ 125,000 $ 149,000
Cocke, Tennessee 1 $ 35,000 $ 35,000 $ 54,000
Coffee, Tennessee 1 $ 245,000 $ 245,000 $ 85,000
DeKalb, Tennessee 1 $ 75,000 $ 75,000 $ 24,000
Knox, Tennessee 1 $ 125,000 $ 125,000 $ 16,000
Lauderdale, Tennessee 1 $ 105,000 $ 105,000 $ 50,000
Lawrence, Tennessee 1 $ 165,000 $ 165,000 $ 66,000
Pickett, Tennessee 1 $ 205,000 $ 205,000 $ 145,000
Roane, Tennessee 1 $ 295,000 $ 295,000 $ 480,000
Shelby, Tennessee 1 $ 45,000 $ 45,000 $ 167,000
Sumner, Tennessee 1 $ 155,000 $ 155,000 $ 44,000
Weakley, Tennessee 1 $ 115,000 $ 115,000 $ 65,000
Comal, Texas 1 $ 235,000 $ 235,000 $ 74,000
Oneida, Wisconsin 1 $ 205,000 $ 205,000 $ 193,000

Mortgage Loan Application Detail Totals for First Financial Bank NA in 2020

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 1,657 $224,735,000 $135,000 $5,315,000 $78,000 $2,421,000
Refinancing 959 $134,985,000 $140,000 $3,005,000 $94,000 $1,248,000
Cash-out Refinancing 442 $64,330,000 $145,000 $1,385,000 $97,000 $2,421,000
Home Improvement 231 $17,665,000 $76,000 $9,605,000 $78,000 $455,000
Other Purpose 123 $6,625,000 $53,000 $305,000 $71,000 $370,000
Not Applicable 1 $35,000 $35,000 $35,000 $43,000 $43,000

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 3,078 $376,720,000 $122,000 $2,355,000 $84,000 $2,421,000
Not Provided 133 $18,165,000 $136,000 $515,000 $91,000 $561,000
Not applicable 70 $32,380,000 $462,000 $9,605,000 $45,000 $74,000
Black or African American 46 $5,690,000 $123,000 $395,000 $76,000 $300,000
Hispanic 38 $4,920,000 $129,000 $315,000 $95,000 $550,000
Asian 33 $7,095,000 $215,000 $685,000 $115,000 $480,000
American Indian or Alaskan Native 6 $680,000 $113,000 $215,000 $52,000 $90,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 3,109 $415,245,000 $133,000 $9,605,000 $88,000 $2,421,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 184 $17,350,000 $94,000 $205,000 $44,000 $96,000
FHA-insured (Federal Housing Administration) 79 $8,635,000 $109,000 $325,000 $46,000 $148,000
VA-guaranteed (Veterans Administration) 41 $7,145,000 $174,000 $425,000 $71,000 $174,000

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 1,773 $246,725,000 $139,000 $9,605,000 $93,000 $1,090,000
Application Denied By Financial Institution 476 $48,590,000 $102,000 $1,125,000 $74,000 $2,421,000
Preapproval Approved but not Accepted 348 $45,250,000 $130,000 $515,000 $69,000 $400,000
Preapproval Denied by Financial Institution 342 $35,040,000 $102,000 $575,000 $50,000 $211,000
Application Approved But Not Accepted 281 $41,735,000 $148,000 $2,355,000 $99,000 $2,421,000
Application Withdrawn By Applicant 187 $30,555,000 $163,000 $3,005,000 $111,000 $742,000
Loan Purchased By The Institution 6 $480,000 $80,000 $205,000 $43,000 $74,000
File Closed For Incompleteness 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 2,595 $364,745,000 $140,000 $9,605,000 $92,000 $2,421,000
Credit History 380 $34,180,000 $89,000 $455,000 $60,000 $542,000
Debt-To-Income Ratio 257 $31,875,000 $124,000 $1,125,000 $52,000 $263,000
Collateral 87 $7,995,000 $91,000 $1,025,000 $102,000 $2,421,000
Other 33 $3,405,000 $103,000 $315,000 $81,000 $378,000
Employment History 32 $3,010,000 $94,000 $305,000 $40,000 $112,000
Credit Application Incomplete 12 $1,260,000 $105,000 $275,000 $165,000 $1,248,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,270,000 $127,000 $455,000 $86,000 $481,000
Unverifiable Information 7 $635,000 $90,000 $235,000 $53,000 $90,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into First Financial Bank NA's 2020 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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