First Financial Bank in Florida vs the state
24.0%Denial rate+2.94 pts vs state
27.9%Decision denial rate+0.67 pts vs state
62.0%Origination rate+9.31 pts vs state
6.99%Median rate+0.37 pts vs state
0.25Rate spread (pts)-0.02 pts vs state
$266kMedian applicant income
31Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 48 | 22.1% | 6.69% | #559 |
| 2024 | 52 | 29 | 34.6% | 6.99% | #592 |
| 2025 | 50 | 31 | 24.0% | 6.99% | #599 |
What First Financial Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 7 | 2 | 3 | 42.9% |
| Manatee County | 6 | 4 | 1 | 16.7% |
| Sarasota County | 6 | 4 | 2 | 33.3% |
| Pinellas County | 5 | 5 | 0 | 0.0% |
| Orange County | 4 | 3 | 0 | 0.0% |
| Okaloosa County | 3 | 3 | 0 | 0.0% |
| Palm Beach County | 3 | 2 | 0 | 0.0% |
| Lee County | 3 | 1 | 0 | 0.0% |
| Volusia County | 2 | 1 | 1 | 50.0% |
| Charlotte County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 50 applications in 2025, of which 31 were originated and 12 denied.
24.0% of all applications, or 27.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Financial Bank originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are First Financial Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology