Looking for a different lender?
F
First Financial Bank
Bank|Cincinnati, OH|Multi-Region
Loans Originated
2,127
Applications
3,059
Volume
$622 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.466%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,489
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
69.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and Jumbo loans
Report Card
First Financial Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 12 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$292,485
Average Borrower Income
$134,111
Average Property Value
$366,091
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Sound | Strong | 1,871 | 88.0% | +0.474% | $1,492 |
FHA Loans | Sound | Strong | Sound | Sound | 109 | 5.1% | +0.598% | $1,657 |
VA Loans | Acceptable | Sound | Mediocre | Sound | 23 | 1.1% | +0.228% | $1,669 |
Jumbo Loans | Strong | Exceptional | Sound | Strong | 113 | 5.3% | +0.233% | $1,168 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 11 | 0.5% | +0.304% | $1,270 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 1,851 | 87.0% | +0.444% | $1,555 |
Refinance | Sound | Strong | Sound | Sound | 276 | 13.0% | +0.606% | $1,087 |
Geographic Coverage
Metro Areas
11
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLILINKYMINCOHSCSD
Top Metro Areas by Place Specialization Score
1
Louisville/Jefferson County, KY, KY-INMSA
Volume: 406Mix: 19.09%
Place Specialization
Exceptional
2
Columbus, OH, OHMSA
Volume: 453Mix: 21.30%
Place Specialization
Exceptional
3
Columbus, IN, INMSA
Volume: 104Mix: 4.89%
Place Specialization
Exceptional
4
Cincinnati, OHMSA
Volume: 326Mix: 15.33%
Place Specialization
Exceptional
5
Lake County, INMSA
Volume: 89Mix: 4.18%
Place Specialization
Strong
6
Indianapolis, INMSA
Volume: 103Mix: 4.84%
Place Specialization
Strong
7
Dayton, OHMSA
Volume: 72Mix: 3.39%
Place Specialization
Strong
8
Akron, OH, OHMSA
Volume: 41Mix: 1.93%
Place Specialization
Strong
9
Lexington, KYMSA
Volume: 25Mix: 1.18%
Place Specialization
Sound
10
Cleveland, OH, OHMSA
Volume: 26Mix: 1.22%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 455Mix: 21.39%
Place Specialization
Exceptional
2
OHState
Volume: 914Mix: 42.97%
Place Specialization
Exceptional
3
INState
Volume: 700Mix: 32.91%
Place Specialization
Exceptional
4
ILState
Volume: 28Mix: 1.32%
Place Specialization
Sound
5
FLState
Volume: 16Mix: 0.75%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare First Financial Bank with other lenders or get personalized recommendations.