First Financial Bank in Michigan vs the state
6.3%Denial rate-12.27 pts vs state
10.0%Decision denial rate-12.58 pts vs state
56.3%Origination rate-3.64 pts vs state
6.75%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.14 pts vs state
$308kMedian applicant income
9Loans originated
1Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 9 | 42.1% | 7.38% | #435 |
| 2024 | 18 | 10 | 33.3% | 7.12% | #438 |
| 2025 | 16 | 9 | 6.3% | 6.75% | #467 |
What First Financial Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 4 | 2 | 1 | 25.0% |
| Antrim County | 3 | 3 | 0 | 0.0% |
| Oakland County | 2 | 1 | 0 | 0.0% |
| Saginaw County | 1 | 0 | 0 | 0.0% |
| Gogebic County | 1 | 0 | 0 | 0.0% |
| Allegan County | 1 | 0 | 0 | 0.0% |
| Berrien County | 1 | 1 | 0 | 0.0% |
| Kalamazoo County | 1 | 0 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 0 | 0.0% |
| Leelanau County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 16 applications in 2025, of which 9 were originated and 1 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First Financial Bank originated in Michigan 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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology