First Financial Bank in Ohio vs the state
22.3%Denial rate+4.58 pts vs state
24.8%Decision denial rate+2.93 pts vs state
66.5%Origination rate+6.63 pts vs state
6.25%Median rate-0.63 pts vs state
0.29Rate spread (pts)-0.10 pts vs state
$98kMedian applicant income
2,850Loans originated
954Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,722 | 2,356 | 28.2% | 6.99% | #20 |
| 2024 | 4,140 | 2,646 | 27.7% | 6.99% | #21 |
| 2025 | 4,284 | 2,850 | 22.3% | 6.25% | #25 |
What First Financial Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Financial Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 1,028 | 711 | 183 | 17.8% |
| Hamilton County | 855 | 532 | 231 | 27.0% |
| Butler County | 685 | 437 | 185 | 27.0% |
| Montgomery County | 237 | 158 | 64 | 27.0% |
| Delaware County | 216 | 158 | 23 | 10.6% |
| Warren County | 198 | 147 | 33 | 16.7% |
| Mercer County | 100 | 65 | 27 | 27.0% |
| Clermont County | 88 | 55 | 24 | 27.3% |
| Summit County | 69 | 55 | 6 | 8.7% |
| Miami County | 64 | 44 | 13 | 20.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 4,284 applications in 2025, of which 2,850 were originated and 954 denied.
22.3% of all applications, or 24.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Financial Bank originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are First Financial Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology