First Financial Bank in Indiana vs the state
23.4%Denial rate+6.86 pts vs state
25.2%Decision denial rate+5.02 pts vs state
65.3%Origination rate+3.07 pts vs state
6.75%Median rate0.00 pts vs state
0.24Rate spread (pts)-0.13 pts vs state
$77kMedian applicant income
987Loans originated
354Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,395 | 924 | 22.4% | 7.75% | #53 |
| 2024 | 1,254 | 845 | 20.7% | 7.63% | #59 |
| 2025 | 1,511 | 987 | 23.4% | 6.75% | #57 |
What First Financial Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vigo County | 675 | 452 | 140 | 20.7% |
| Sullivan County | 146 | 103 | 29 | 19.9% |
| Vermillion County | 146 | 90 | 40 | 27.4% |
| Clay County | 135 | 93 | 31 | 23.0% |
| Parke County | 81 | 58 | 17 | 21.0% |
| Greene County | 57 | 41 | 13 | 22.8% |
| Knox County | 49 | 29 | 13 | 26.5% |
| Daviess County | 31 | 12 | 14 | 45.2% |
| Marion County | 24 | 10 | 9 | 37.5% |
| Putnam County | 23 | 13 | 6 | 26.1% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 1,511 applications in 2025, of which 987 were originated and 354 denied.
23.4% of all applications, or 25.2% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans First Financial Bank originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are First Financial Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology