Find a better mortgage lender

First Financial Bank · Indiana · 2025

First Financial Bank in Indiana: approval rate, denial rate and rates (2025)

First Financial Bank took 4,270 mortgage applications in Indiana in 2025, ranking #13 of 1,025 lenders active in the state. It originated 66.1% of them and denied 24.3% (26.7% of the applications it decided), against a statewide denial rate of 16.6%.

4.3kApplicationsin IN
26.7%Decision denial ratestate 20.1%
5.99%Median ratestate 6.75%
$105,000Median loanstate $155,000
$460MVolume81 counties
Full First Financial Bank review All lenders in Indiana

First Financial Bank in Indiana vs the state

24.3%Denial rate+7.74 pts vs state
26.7%Decision denial rate+6.56 pts vs state
66.1%Origination rate+3.82 pts vs state
5.99%Median rate-0.76 pts vs state
0.37Rate spread (pts)0.00 pts vs state
$86kMedian applicant income
2,821Loans originated
1,038Denied

Trend in Indiana

YearApplicationsOriginatedDenial rateMedian rateRank in state
20234,0392,59430.1%6.99%#11
20244,0732,61829.0%6.99%#13
20254,2702,82124.3%5.99%#13

What First Financial Bank lends in Indiana

By loan purpose

Home purchase 1,221 29% · 12.5% denied
Refinance 202 5% · 24.8% denied
Cash-out refinance 1,069 25% · 19.6% denied
Home improvement 776 18% · 29.3% denied
Other / HELOC 1,002 23% · 39.8% denied

By loan type

Conventional 4,146 97% · 24.6% denied
FHA 87 2% · 18.4% denied
VA 14 0% · 7.1% denied
USDA / RHS 23 1% · 8.7% denied

Why it denied Indiana applicants

Debt-to-income ratio 359 35%
Credit history 319 31%
Incomplete application 209 20%
Collateral 114 11%
Employment history 14 1%
Other 14 1%
Unverifiable information 7 1%
Insufficient cash 2 0%

Where in Indiana

Counties with the most First Financial Bank applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
Lake County 434293108 24.9%
Bartholomew County 33722878 23.1%
Wayne County 29421658 19.7%
Marion County 27616094 34.1%
Hamilton County 20114536 17.9%
Dearborn County 18511544 23.8%
Johnson County 16410742 25.6%
Jefferson County 16110644 27.3%
Ripley County 15512116 10.3%
Franklin County 1479531 21.1%

Other large lenders in Indiana

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 13,50318.6%6.75%
Ruoff Mortgage CompanyA 8,8604.0%6.75%
Fifth Third BankD 8,69327.6%7.75%
United Shore Financial ServicesB 8,65912.2%6.38%
Freedom MortgageB 5,4548.9%6.25%
NewrezD 5,42118.2%6.63%
First Merchants BankC 5,11419.9%6.76%
Fairway Independent MortgageB 4,8137.4%6.75%
Mortgage Research CenterC 4,79119.0%6.25%
PNC BankD 4,72425.1%7.55%

Frequently asked questions

Indiana: 4,270 applications in 2025, of which 2,821 were originated and 1,038 denied.

24.3% of all applications, or 26.7% 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 5.99%, 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