Applications / Mortgage Analytics / Lenders / Ohio / First Financial Bank
Cincinnati, OH · State member bank · FRS · $21.0 billion assets · 7,073 loans in 2025
First Financial Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
7,073
loans originated, 2025
10,539
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Bank lent to LMI borrowers more than any similar lender in 2025, 42.5% of its loans, up from 30.3% five years earlier.
Similar lenders are state member banks making between half and twice as many loans. LMI (low- and moderate-income) borrowers took 42.5% of First Financial Bank's loans against 25.4% for the group, and loans in LMI areas were 18.4%, higher than more than four in five similar lenders. Loans in majority-minority areas, at 8.3%, were lower than nearly nine in ten, which may follow from its Ohio, Indiana and Kentucky markets.
Its typical loan was $125,000 against $215,000 for the group, and its typical rate of 6.25% was lower than nearly nine in ten similar lenders. Conventional loans were 97.8%, with FHA (insured by the Federal Housing Administration) at 1.8% against 6.1%. Its home improvement and other loans, 14.6% and 16.2% of its lending, may account for part of the smaller loan size.
Originations rose 10%, faster than similar lenders' 4% and level with the whole market. Its Cincinnati share rose from 1.9% to 2.5%, ranking 9 of 621, in the year it merged with Westfield Bank.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Financial Bank took 10,539 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.1% · Refinance 25.0% · Other 16.2% · Home improvement 14.6%
Conventional 97.8% · FHA 1.8% · VA 0.3% · USDA (RHS or FSA) 0.2% · of 7,073 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 2,850 | 40.3% |
| Indiana | 2,821 | 39.9% |
| Kentucky | 1,239 | 17.5% |
| Illinois | 95 | 1.3% |
| Florida | 31 | 0.4% |
| Michigan | 9 | 0.1% |
| South Carolina | 7 | 0.1% |
| North Carolina | 6 | 0.1% |
| Tennessee | 5 | 0.1% |
| Georgia | 2 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 1,630 |
| Louisville/Jefferson County | 1,049 |
| Columbus | 993 |
| Indianapolis-Carmel-Greenwood | 621 |
| Lake County-Porter County-Jasper County | 343 |
| Dayton-Kettering-Beavercreek | 237 |
| Columbus | 228 |
| Lafayette-West Lafayette | 114 |
| Akron | 60 |
| Cleveland | 57 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | MV4O55SH8HO6KQSGW013 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 165628 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 156 | 1990–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2165628 | 2016–2017 |
Established 1 January 1863. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Financial Bank's data.
First Financial Bank's data
$215
First Financial Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy First Financial Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]