First Financial Bank (Ohio) mortgage approval rate & lending review
First Financial Bank (Ohio) decided 13,631 mortgage applications and funded 10,256 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Financial Bank (Ohio) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Financial Bank (Ohio) at a glance
Approval is 1.1 points below the 77.2% 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 | 87% | 5,747 / 6,572 | 100% | $165K | 5,718 |
| Home improvement loans | 61% | 1,643 / 2,715 | 98% | $75K | 1,616 |
| Cash-out refinance | 70% | 2,141 / 3,075 | 98% | $125K | 2,108 |
| Refinance | 70% | 350 / 502 | 99% | $385K | 345 |
| Investment property purchase | 80% | 286 / 358 | 98% | $135K | 280 |
| Investment cash-out refinance | 51% | 100 / 197 | 96% | $105K | 96 |
| Investment refinance | 65% | 22 / 34 | 82% | $295K | 18 |
| Investment home improvement | 44% | 79 / 178 | 95% | $75K | 75 |
First Financial Bank (Ohio) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 75% | $215K | 7,490 | 5,568 |
| Indiana | 72% | $105K | 2,902 | 2,074 |
| Kentucky | 84% | $155K | 2,853 | 2,389 |
| Illinois | 54% | $75K | 184 | 98 |
| Florida | 75% | $355K | 106 | 79 |
| Michigan | 62% | $215K | 26 | 16 |
| South Carolina | 70% | $465K | 23 | 16 |
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 (Ohio) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 92% | 1,947 | 1,777 |
| Franklin County, OH | Mortgage lenders | 87% | 1,496 | 1,300 |
| Hamilton County, OH | Mortgage lenders | 83% | 644 | 525 |
| Hamilton County, OH | Cash-out refinance | 69% | 506 | 340 |
| Butler County, OH | Cash-out refinance | 71% | 427 | 299 |
| Hamilton County, OH | Home improvement loans | 52% | 482 | 245 |
| Delaware County, OH | Mortgage lenders | 89% | 276 | 243 |
| Butler County, OH | Home improvement loans | 64% | 378 | 239 |
| Lake County, IN | Mortgage lenders | 82% | 275 | 225 |
| Butler County, OH | Mortgage lenders | 84% | 252 | 212 |
| Lake County, IN | Cash-out refinance | 71% | 291 | 204 |
| Montgomery County, OH | Mortgage lenders | 87% | 237 | 204 |
The county markets where First Financial Bank (Ohio) made the most loans. Each link opens that market with every lender ranked.
Questions about First Financial Bank (Ohio)
What is First Financial Bank (Ohio)'s mortgage approval rate?
First Financial Bank (Ohio) approved 76.1% of the 13,631 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.1 points below the 77.2% national rate for the same mix of loan types.
How often do borrowers take the loan First Financial Bank (Ohio) offers?
Borrowers accepted 99% of the loans First Financial Bank (Ohio) 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 (Ohio) make?
The typical home purchase mortgage loan First Financial Bank (Ohio) made was $165K; across all loan types its typical loan ran from $75K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Financial Bank (Ohio) lend?
First Financial Bank (Ohio) decided applications in 24 of the states Fat Boy Data covers, most of them in Ohio, Indiana and Kentucky.
Can I apply to First Financial Bank (Ohio) directly?
Yes. First Financial Bank (Ohio) 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 (Ohio)'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 (Ohio) treats applications, then get a rate quote from the lender.