Ground Figures
Lenders → First Financial Bank (OH)

First Financial Bank (OH)

Bank · #220 by purchase decisions in 2025 · Conventional 93%.

All programs, all bands
91%

approved of 1,972 decisions.

Purchase decisions
2,122
Approved, all
91%
Lender type
Bank
States with 50+ decisions
3

Approval by DTI band

Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.

Conventional

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%1,466
93%
6%
44–45%153
94%
33%
46–49%329
91%
28%

Rates and costs

Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.

Conventional rate vs market
+1 bps
Conventional median, no points
6.625%
FHA rate vs market
+12 bps
FHA median, no points
6.5%
Conventional median loan costs
$4,125
FHA median loan costs
$7,375
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Application incomplete Application incomplete: 52% approved of 87 52% Debt-to-income ratio Debt-to-income ratio: 23% approved of 38 23% Credit history Credit history: 11% approved of 19 11% Collateral Collateral: 5% approved of 9 5% Employment history Employment history: 3% approved of 5 3% Insufficient cash Insufficient cash: 2% approved of 4 2% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 93% approved of 577 93% LTV 80–95% LTV 80–95%: 91% approved of 569 91% LTV >95% LTV >95%: 90% approved of 936 90%

Where it lends

Ohio (895), Indiana (669), Kentucky (509), Illinois (32), Florida (7), Virginia (2), Pennsylvania (2), South Carolina (2), North Carolina (1), Michigan (1).

Compare First Financial Bank (OH) with every lender in a state on the approvals, rates and fees pages.

Questions

Does First Financial Bank (OH) approve loans with a DTI over 50%?

First Financial Bank (OH) decided too few purchase files above 50% DTI in 2025 to report a rate. The table on this page shows every band.

Are First Financial Bank (OH)'s rates competitive?

In 2025 its closed conventional loans were priced 1 basis points above the market median after matching LTV band and points paid.

Why does First Financial Bank (OH) deny applications?

Its most common first-listed denial reason in 2025 was application incomplete (52% of denials), followed by debt-to-income ratio (23%).

Where does this come from?

First Financial Bank (OH)'s own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.

Method

Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.

Corrections

Every figure traces to First Financial Bank (OH)’s own filing. If a number looks wrong, write to us and we will re-run it.