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 score and performance metrics.

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 an overall pricing score of 42.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Financial Bank?

First Financial Bank is a Bank headquartered in Cincinnati, OH.

Unclaimed

First Financial Bank

Bank•Cincinnati, OH•Direct to Consumer

We analyzed every closed loan from First Financial Bank Oh — 2.1k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Strong

closing strength

Products

Exceptional

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

Multi-Region · 11 mkts

Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and Jumbo loans

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Report Card

First Financial Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +46.6 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Exceptional	Market Leader Top 20% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Exceptional	Market Leader Top 20% of lenders
USDA	Sound	Industry Standard Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Exceptional	Market Leader Top 20% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Multi-Regional12 markets

Loan Product Performance

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%Above	$1,492Fees
FHA Loans	Sound	Strong	Sound	Sound	109	5.1%	+0.598%Above	$1,657Fees
VA Loans	Acceptable	Sound	Mediocre	Sound	23	1.1%	+0.228%Above	$1,669Fees
Jumbo Loans	Strong	Exceptional	Sound	Strong	113	5.3%	+0.233%Above	$1,168Fees
USDA Loans	Acceptable	Sound	—	Mediocre	11	0.5%	+0.304%Above	$1,270Fees

Loan Purpose Performance

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%Above	$1,555Fees
Refinance	Sound	Strong	Sound	Sound	276	13.0%	+0.606%Above	$1,087Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,127

Applications

3,059

Volume

$622 million

Pricing & Closing

Avg Rate Spread

+0.466%

vs. market APOR

Avg Net Fees

$1,489

Origination − Credits

Pullthrough Rate

69.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$292,485

Avg Borrower Income

$134,111

Avg Property Value

$366,091

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

FLILINKYMINCOHSCSD

Top Metro Areas by Place Specialization Score

Louisville/Jefferson County, KY, KY-INMSA

Volume: 406Mix: 19.09%of portfolio

Place

Exceptional

Columbus, OH, OHMSA

Volume: 453Mix: 21.30%of portfolio

Place

Exceptional

Columbus, IN, INMSA

Volume: 104Mix: 4.89%of portfolio

Place

Exceptional

Cincinnati, OHMSA

Volume: 326Mix: 15.33%of portfolio

Place

Exceptional

Lake County, INMSA

Volume: 89Mix: 4.18%of portfolio

Place

Strong

Indianapolis, INMSA

Volume: 103Mix: 4.84%of portfolio

Place

Strong

Dayton, OHMSA

Volume: 72Mix: 3.39%of portfolio

Place

Strong

Akron, OH, OHMSA

Volume: 41Mix: 1.93%of portfolio

Place

Strong

Lexington, KYMSA

Volume: 25Mix: 1.18%of portfolio

Place

Sound

Cleveland, OH, OHMSA

Volume: 26Mix: 1.22%of portfolio

Place

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

KYState

Volume: 455Mix: 21.39%of portfolio

Place

Exceptional

OHState

Volume: 914Mix: 42.97%of portfolio

Place

Exceptional

INState

Volume: 700Mix: 32.91%of portfolio

Place

Exceptional

ILState

Volume: 28Mix: 1.32%of portfolio

Place

Sound

FLState

Volume: 16Mix: 0.75%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.