First Financial Bank Mortgage Rates, Fees & Info
Cincinnati, OHLEI: MV4O55SH8HO6KQSGW013
Tax ID: 31-0308605
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
First Financial Bank is a small bank specializing in Home Purchase loans. First Financial Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Indianapolis, Louisville, and Dayton among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)First Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.24% | 12/16/24 |
| 30 Year Conventional Purchase | 5.51% | 12/16/24 |
| 30 Year Conventional Refi | 6.64% | 12/16/24 |
| 30 Year Cash-out Refi | 6.87% | 12/16/24 |
| 30 Year FHA Purchase | 7.57% | 12/16/24 |
| 30 Year FHA Refi | 7.36% | 12/16/24 |
| 30 Year VA Purchase | 6.62% | 12/16/24 |
| 30 Year VA Refi | 6.27% | 12/16/24 |
| 30 Year USDA Purchase | 6.90% | 12/16/24 |
| 15 Year Conventional Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Refi | 6.28% | 12/16/24 |
| 15 Year Cash-out Refi | 6.28% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
First Financial Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from First Financial Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,596Origination Dollar Volume (All Markets)
$1,484,500,000Awards
First Financial Bank - 2022
First Financial Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
Work for First Financial Bank?
Use this award on your own site. Either save and use the images below, or pass the provided image embed code to your development team.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1,671 | $388,145,000 | $232,283 | $3,155 | 3.84% |
| COLUMBUS, OH (FHA|USDA|VA) | 886 | $345,290,000 | $389,718 | $4,336 | 4.02% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 697 | $134,925,000 | $193,580 | $2,650 | 3.81% |
| LOUISVILLE, KY (FHA|USDA|VA) | 735 | $105,745,000 | $143,871 | $2,595 | 3.31% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 302 | $64,570,000 | $213,808 | $3,783 | 3.85% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 368 | $54,180,000 | $147,228 | $2,663 | 4.10% |
| Outside of Metro Areas | 451 | $53,585,000 | $118,814 | $2,375 | 4.07% |
| COLUMBUS, IN (FHA|USDA|VA) | 254 | $49,870,000 | $196,339 | $2,730 | 4.11% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $32,255,000 | $32,255,000 | $0 | 7.22% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $22,035,000 | $4,407,000 | $4,178 | 5.23% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $18,405,000 | $18,405,000 | $0 | 4.81% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 18 | $16,860,000 | $936,667 | $4,283 | 4.67% |
| Richmond, IN (FHA|USDA|VA) | 170 | $15,280,000 | $89,882 | $2,273 | 4.24% |
| Madison, IN (FHA|USDA|VA) | 136 | $13,120,000 | $96,471 | $2,524 | 4.21% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 48 | $12,120,000 | $252,500 | $3,404 | 3.86% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $11,875,000 | $2,375,000 | $5,115 | 4.06% |
| Greensburg, IN (FHA|USDA|VA) | 90 | $11,130,000 | $123,667 | $2,021 | 3.61% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $8,420,000 | $1,403,333 | $11,311 | 4.33% |
| Connersville, IN (FHA|USDA|VA) | 101 | $8,195,000 | $81,139 | $2,259 | 4.10% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 10 | $7,990,000 | $799,000 | $4,057 | 4.16% |
| Celina, OH (FHA|USDA|VA) | 39 | $6,985,000 | $179,103 | $3,844 | 4.45% |
| North Vernon, IN (FHA|USDA|VA) | 60 | $6,230,000 | $103,833 | $2,219 | 3.94% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 55 | $5,935,000 | $107,909 | $1,471 | 3.88% |
| Seymour, IN (FHA|USDA|VA) | 46 | $5,420,000 | $117,826 | $1,780 | 4.18% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $5,205,000 | $5,205,000 | $0 | 2.16% |
| New Castle, IN (FHA|USDA|VA) | 36 | $4,370,000 | $121,389 | $2,529 | 4.40% |
| Frankfort, KY (FHA|USDA|VA) | 36 | $4,030,000 | $111,944 | $3,487 | 3.78% |
| Crawfordsville, IN (FHA|USDA|VA) | 38 | $3,870,000 | $101,842 | $1,943 | 3.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $3,725,000 | $745,000 | $7,096 | 4.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 5 | $2,925,000 | $585,000 | $7,967 | 5.75% |
| NILES, MI (FHA|USDA|VA) | 2 | $2,640,000 | $1,320,000 | $9,591 | 4.44% |
| KANKAKEE, IL (FHA|USDA|VA) | 22 | $2,560,000 | $116,364 | $2,385 | 4.26% |
| Van Wert, OH (FHA|USDA|VA) | 27 | $2,365,000 | $87,593 | $2,774 | 4.14% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $2,220,000 | $370,000 | $5,186 | 5.79% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $2,160,000 | $540,000 | $7,835 | 4.63% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 10 | $2,160,000 | $216,000 | $4,167 | 4.32% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $4,224 | 4.53% |
| Mount Vernon, OH (FHA|USDA|VA) | 6 | $1,920,000 | $320,000 | $3,468 | 4.33% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $1,865,000 | $621,667 | $2,852 | 4.71% |
| Bellefontaine, OH (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $2,980 | 4.11% |
| Wilmington, OH (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $4,907 | 3.67% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $0 | 2.72% |
| LIMA, OH (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $2,749 | 3.86% |
| Warsaw, IN (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $2,827 | 4.27% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 15 | $1,375,000 | $91,667 | $2,942 | 4.16% |
| Wapakoneta, OH (FHA|USDA|VA) | 10 | $1,320,000 | $132,000 | $2,867 | 3.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $7,182 | 4.94% |
| Peru, IN (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 5.69% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 5 | $1,095,000 | $219,000 | $4,176 | 3.23% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 3.95% |
| Greenville, OH (FHA|USDA|VA) | 9 | $995,000 | $110,556 | $3,323 | 5.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $5,489 | 5.38% |
| MUNCIE, IN (FHA|USDA|VA) | 11 | $965,000 | $87,727 | $1,860 | 6.23% |
| Richmond-Berea, KY (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $4,337 | 3.67% |
| Sandusky, OH (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $3,966 | 3.06% |
| Scottsburg, IN (FHA|USDA|VA) | 8 | $940,000 | $117,500 | $2,096 | 5.21% |
| AKRON, OH (FHA|USDA|VA) | 9 | $915,000 | $101,667 | $4,587 | 4.66% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $32,263 | 6.75% |
| Wabash, IN (FHA|USDA|VA) | 14 | $840,000 | $60,000 | $1,308 | 4.27% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 10 | $770,000 | $77,000 | $657 | 4.01% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,668 | 5.44% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,094 | 4.94% |
| Washington Court House, OH (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,687 | 3.16% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,314 | 5.44% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,042 | 3.75% |
| DANVILLE, IL (FHA|USDA|VA) | 8 | $590,000 | $73,750 | $1,419 | 4.12% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $6,237 | 6.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,223 | 5.25% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,017 | 3.50% |
| Urbana, OH (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,231 | 4.18% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,019 | 4.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,920 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,516 | 3.88% |
| Salem, OH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,010 | 5.00% |
| Plymouth, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,452 | 4.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,363 | 5.50% |
| Marion, NC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,023 | 2.63% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,969 | 4.63% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,072 | 5.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,059 | 5.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,967 | 3.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,508 | 5.38% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,725 | 6.50% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,935 | 4.63% |
| Bluffton, IN (FHA|USDA|VA) | 5 | $315,000 | $63,000 | $552 | 3.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,869 | 4.00% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,947 | 3.68% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,350 | 7.00% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,768 | 4.31% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,853 | 5.50% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.40% |
| Sidney, OH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $2,895 | 3.08% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,734 | 4.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 1.99% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,408 | 5.50% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $2,755 | 4.21% |
| Athens, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,744 | 4.50% |
| Defiance, OH (FHA|USDA|VA) | 4 | $230,000 | $57,500 | $627 | 3.61% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.99% |
| Logansport, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 4.36% |
| Decatur, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 4.42% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 1.99% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,074 | 4.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,051 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.50% |
| Frankfort, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 2.49% |
| Vincennes, IN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $4,352 | 4.06% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,764 | 6.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 1.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 1.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,253 | 5.63% |
| Angola, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.75% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,751 | 6.00% |
| Fremont, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.40% |
| Huntington, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.60% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.99% |
| Ashland, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,270 | 6.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 2.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 56
Similarity Rank: 64
Similarity Rank: 116
Similarity Rank: 133
Similarity Rank: 170
Similarity Rank: 198
Similarity Rank: 210
Similarity Rank: 249
Similarity Rank: 268
Similarity Rank: 318
Product Mix
For 2022, First Financial Bank's most frequently originated type of loan was Conventional, with 3,387 originations. Their 2nd most popular type was HELOC, with 3,060 originations.
Loan Reason
For 2022, First Financial Bank's most frequently cited loan purpose was Home Purchase, with 2,469 originations. The 2nd most popular reason was Other, with 1,883 originations.
Loan Duration/Length
For 2022, First Financial Bank's most frequently cited loan duration was Other, with 3,180 originations. The 2nd most popular length was 30 Year, with 2,830 originations.
Origination Fees/Closing Costs
First Financial Bank's average total fees were $3,478, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,649 originations.
Interest Rates
During 2022, First Financial Bank's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was <2.5%, with 2,053 originations.
Loan Sizing
2022 saw First Financial Bank place emphasis on $100,000 or less loans with 2,803 originations, totaling $133,915,000 in origination value.
Applicant Income
First Financial Bank lent most frequently to those with incomes in the $50k-75k range, with 1,395 originations. The second most popular income band? $50k or less, with 1,339 originations.
Applicant Debt to Income Ratio
First Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 1,479 originations. The next most common DTI ratio? 30-36%, with 1,235 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications73.41%
First Financial Bank has a below average approval rate.
Pick Rate
Approvals leading to origination88.10%
First Financial Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,596 | $1,484,500,000 | $225,061 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,596 | $1,484,500,000 | $225,061 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FIRST CITIZENS BANCSHARES, INC. | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |