First Financial Bank, National Association mortgage approval rate & lending review
First Financial Bank, National Association decided 2,116 mortgage applications and funded 1,571 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Financial Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Financial Bank, National Association at a glance
Approval is 4.6 points above the 76.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 598 / 703 | 88% | $155K | 527 |
| Home improvement loans | 72% | 442 / 610 | 94% | $45K | 416 |
| Cash-out refinance | 68% | 68 / 100 | 87% | $115K | 59 |
| Refinance | 84% | 407 / 484 | 94% | $45K | 384 |
| Investment property purchase | 94% | 119 / 127 | 98% | $95K | 117 |
| Investment refinance | 78% | 36 / 46 | 97% | $125K | 35 |
| Investment home improvement | 78% | 31 / 40 | 90% | $45K | 28 |
First Financial Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 81% | $45K | 1,713 | 1,283 |
| Tennessee | 78% | $235K | 160 | 114 |
| Illinois | 79% | $115K | 148 | 104 |
| Kentucky | 76% | $215K | 67 | 47 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Financial Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Vigo County, IN | Home improvement loans | 75% | 482 | 341 |
| Vigo County, IN | Mortgage lenders | 84% | 450 | 336 |
| Vigo County, IN | Refinance | 87% | 393 | 322 |
| Vigo County, IN | Investment property purchase | 93% | 61 | 55 |
| Vigo County, IN | Cash-out refinance | 74% | 73 | 48 |
| Champaign County, IL | Mortgage lenders | 92% | 37 | 29 |
| Champaign County, IL | Home improvement loans | 64% | 25 | 13 |
The county markets where First Financial Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about First Financial Bank, National Association
What is First Financial Bank, National Association's mortgage approval rate?
First Financial Bank, National Association approved 80.6% of the 2,116 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.6 points above the 76.0% national rate for the same mix of loan types.
How often do borrowers take the loan First Financial Bank, National Association offers?
Borrowers accepted 92% of the loans First Financial Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Financial Bank, National Association make?
The typical home purchase mortgage loan First Financial Bank, National Association made was $155K; across all loan types its typical loan ran from $45K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Financial Bank, National Association lend?
First Financial Bank, National Association decided applications in 17 of the states Fat Boy Data covers, most of them in Indiana, Tennessee and Illinois.
Can I apply to First Financial Bank, National Association directly?
Yes. First Financial Bank, National Association is a bank or credit union with 357 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Financial Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Financial Bank, National Association treats applications, then get a rate quote from the lender.