# First Financial Bank

> **Canonical URL:** https://saferate.com/lenders/first-financial-bank-oh


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Financial Bank is a bank, headquartered in Cincinnati, OH, serving borrowers across 9 states, with 2,127 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** MV4O55SH8HO6KQSGW013
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** FL, IL, IN, KY, MI, NC, OH, SC, SD
- **Markets (MSAs):** 12
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.466%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,489
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,127
- **Dollar Volume:** $622 million
- **Applications Received:** 3,059
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $292,485
- **Average Borrower Income:** $134,111
- **Average Property Value:** $366,091

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 1,871 | +0.474% | $1,492 | Exceptional 🤩 |
| FHA | 64/100 | 109 | +0.598% | $1,657 | Strong 😀 |
| VA | 60/100 | 23 | +0.228% | $1,669 | Sound ☺️ |
| Jumbo | 82/100 | 113 | +0.233% | $1,168 | Exceptional 🤩 |
| USDA | 47/100 | 11 | +0.304% | $1,270 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,628 loans, Score: 83/100 (Exceptional)
- Refinance: 243 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 100 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 23 loans, Score: 61/100 (Strong)

**Jumbo:**
- Purchase: 89 loans, Score: 82/100 (Exceptional)
- Refinance: 24 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 1,851 | $538M | +0.444% | Exceptional 🤩 |
| Refinance | 73/100 | 276 | $84M | +0.606% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 914 | 0.68% | 83/100 |
| IN | 700 | 0.77% | 82/100 |
| KY | 455 | 0.98% | 83/100 |
| IL | 28 | 0.02% | 46/100 |
| FL | 16 | 0.01% | 36/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbus, OH | OH | 453 | 88/100 |
| Louisville/Jefferson County, KY | KY-IN | 406 | 89/100 |
| Non |  | 371 | 68/100 |
| Cincinnati, OH |  | 326 | 84/100 |
| Columbus, IN | IN | 104 | 87/100 |
| Indianapolis | IN | 103 | 66/100 |
| Lake County | IN | 89 | 75/100 |
| Dayton | OH | 72 | 64/100 |
| Akron, OH | OH | 41 | 60/100 |
| Cleveland, OH | OH | 26 | 50/100 |
| Lexington | KY | 25 | 54/100 |
| Lafayette | IN | 18 | 49/100 |

## Where This Lender Ranks

First Financial Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Columbus, IN Banks
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/banks)
- 🥈 **#2** in Columbus, IN
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders)
- 🥈 **#2** in Columbus, IN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Columbus, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Louisville/Jefferson County, KY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Indiana for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#5** in Louisville/Jefferson County, KY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Dayton Banks
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks)
- 🏆 **#6** in Dayton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Louisville/Jefferson County, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Dayton for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/dayton/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Indiana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Columbus, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#8** in Lafayette for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Indiana for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#9** in Cincinnati, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Lake County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Columbus, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbus-oh/best-mortgage-lenders/jumbo-loans)
- 🏆 **#10** in Louisville/Jefferson County, KY Banks
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does First Financial Bank offer?

First Financial Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Financial Bank offer mortgages?

First Financial Bank offers mortgages in 9 states: FL, IL, IN, KY, MI, NC, OH, SC, SD.

### How competitive are First Financial Bank's mortgage rates?

First Financial Bank has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.466% above market average.

### What type of lender is First Financial Bank?

First Financial Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cincinnati, OH.

### What is First Financial Bank's loan approval success rate?

First Financial Bank has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-financial-bank-oh

### How to Cite

> "First Financial Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-financial-bank-oh

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