First Financial Bank
Cincinnati, OH
First Financial Bank processed 10,033 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 6,448 loans with a 27.7% denial rate. Home Purchase was the primary loan purpose. Based in Cincinnati, OH. The approval rate of 64.3% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. First Financial Bank processed 10,033 HMDA-reported mortgage applications in 2024, originating 6,448 loans and denying 2,779 for a denial rate of 27.7% (applicants themselves withdrew 688 files before a decision). The average loan amount was $189,978 at a 6.324% average note rate, and applicants self-reported an average income of $36,000. The lender reports under LEI MV4O55SH8HO6KQSGW013 from Cincinnati, OH.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Financial Bank's 64.3% origination rate tells you how often an application turned into funded money; the 27.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (9,763 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 9,763 | 6,300 | 2,700 | $188,884 |
| FHA | 210 | 113 | 66 | $219,048 |
| VA | 40 | 24 | 10 | $303,750 |
| USDA | 20 | 11 | 3 | $191,000 |
Top loan types — First Financial Bank
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for First Financial Bank (LEI: MV4O55SH8HO6KQSGW013) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Denial Analysis
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 3,785 | 2,759 | $268,952 |
| Other | 2,409 | 1,295 | $99,064 |
| Cash-out Refinancing | 1,917 | 1,323 | $156,476 |
| Home Improvement | 1,659 | 939 | $140,582 |
| Refinancing | 263 | 132 | $441,920 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 8,068 | 67.2% | 25.3% |
| Black or African American | 761 | 45.7% | 45.2% |
| Asian | 211 | 51.7% | 37.9% |
| Joint | 130 | 62.3% | 29.2% |
| American Indian or Alaska Native | 36 | 36.1% | 63.9% |
| 2 or more minority races | 19 | 36.8% | 63.2% |
| Native Hawaiian or Other Pacific Islander | 12 | 25.0% | 58.3% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 8,055 | 64.5% | 28.1% |
| Hispanic or Latino | 1,125 | 67.8% | 20.2% |
| Joint | 131 | 64.9% | 27.5% |
Nearby Lenders in OH
Other HMDA-reporting lenders in OH with similar activity. Compare any two side-by-side.
US BANK, N.A.
CINCINNATI, OH
CROSSCOUNTRY MORTGAGE, LLC
Cleveland, OH
JPMorgan Chase Bank, NA
Columbus, OH
Huntington National Bank
Columbus, OH
Fifth Third Bank, National Association
Cincinnati, OH
Mortgage Lending Guides
Frequently Asked Questions
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Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.