Applications / Mortgage Analytics / Lenders / Indiana / First Financial Bank
Terre Haute, IN · National bank · OCC · $5.7 billion assets · 1,646 loans in 2025
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1,646
loans originated, 2025
2,648
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Bank is an Indiana bank of small refinance and home-improvement loans that ranked first in Terre Haute, and its originations rose 24% in 2025.
It ranked 1 of 220 lenders in Terre Haute, its market since before 1990, with 12.3% of the market, ahead of Ruoff Mortgage Company and Rocket Mortgage. Elsewhere it is a smaller lender: 21 of 397 in Clarksville and 124 of 821 in Nashville.
Refinances were 30.9% of its loans, home improvement 30.0%, home purchases 26.8% and other purposes 12.4%. Its typical loan, $75,000, was the smallest among similar lenders (national banks making between half and twice as many loans), where it was $205,000, and manufactured homes were 5.9% of its loans, against 1.2%. Its higher-priced share (a rate well above the average for similar loans), 1.2%, was near peers' 1.3%.
Originations rose 24% to 1,646, against 10% at similar lenders and for the whole market, higher than about two-thirds of peers. Its dollar volume rose to $357.6 million from $261.2 million.
LMI (low- and moderate-income) borrowers took 33.9% of its loans, against 26.2% at peers, higher than nearly nine in ten similar lenders. Majority-minority areas took 1.8%, against 10.5%; the make-up of the Indiana markets it serves is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 2,648 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.9% · Home improvement 30.0% · Purchase 26.8% · Other 12.4%
Conventional 98.0% · FHA 1.6% · USDA (RHS or FSA) 0.2% · VA 0.2% · of 1,646 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 |
|---|---|---|
| Indiana | 987 | 60.0% |
| Illinois | 279 | 17.0% |
| Tennessee | 218 | 13.2% |
| Kentucky | 130 | 7.9% |
| Georgia | 19 | 1.2% |
| Alabama | 3 | 0.2% |
| Florida | 3 | 0.2% |
| Arizona | 1 | 0.1% |
| Colorado | 1 | 0.1% |
| Missouri | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Terre Haute | 738 |
| Nashville-Davidson--Murfreesboro--Franklin | 60 |
| Clarksville | 41 |
| Chattanooga | 37 |
| Champaign-Urbana | 31 |
| Indianapolis-Carmel-Greenwood | 31 |
| Knoxville | 31 |
| Bloomington | 14 |
| Bloomington | 11 |
| Fort Wayne | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E0S1LZYZ9QNX81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 693345 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 147 | 1990–2017 |
Established 3 August 1863. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Financial Bank's data.
First Financial Bank's data
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