Purchase Originations
1,955
Ranked #227 nationally
Median Total Costs
$4,328
−35.2% vs national ($6,680)
↑ $126 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,435
Median Lender Credits
$158
Cost Rank (500+ vol.)
#136
among lenders with 500+ originations
Denial Rate
9.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,829 | 6.625% | $4,177 | $1,435 |
| fha | 96 | 6.375% | $7,364 | $1,435 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 800 | 6.625% | $4,584 | #34 |
| Indiana | 623 | 6.625% | $3,183 | #25 |
| Kentucky | 488 | 6.500% | $5,549 | #20 |
| Illinois | 28 | 6.500% | $3,201 | — |
| Florida | 6 | 7.188% | $6,172 | — |
| Pennsylvania | 2 | 6.750% | $5,944 | — |
| South Carolina | 2 | 6.000% | $6,867 | — |
| Virginia | 2 | 6.688% | $5,226 | — |
| Georgia | 1 | 5.625% | $4,633 | — |
| Michigan | 1 | 6.875% | $5,203 | — |
| North Carolina | 1 | 6.500% | $4,175 | — |
| Tennessee | 1 | 6.500% | $2,899 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,616 | 6.750% | — | 19 | −$1,712 | |
| 2 | $2,789 | 6.500% | — | 33 | −$1,539 | |
| 3 | $2,864 | 6.875% | — | 30 | −$1,464 | |
| 4 | $2,915 | 6.500% | — | 23 | −$1,413 | |
| 5 | $2,916 | 6.750% | — | 99 | −$1,412 | |
| 6 | $3,159 | 6.875% | — | 17 | −$1,169 | |
| 7 | $3,262 | 6.625% | — | 16 | −$1,066 | |
| 8 | $3,350 | 6.562% | — | 76 | −$978 | |
| 9 | $3,483 | 6.375% | — | 19 | −$845 | |
| 10 | $3,495 | 6.500% | — | 34 | −$833 | |
| 11 | $3,564 | 6.625% | — | 59 | −$764 | |
| 12 | $3,762 | 6.375% | — | 13 | −$566 | |
| 13 | $3,853 | 6.750% | — | 37 | −$475 | |
| 14 | $4,053 | 6.750% | — | 49 | −$275 | |
| 15 | $4,406 | 6.750% | — | 138 | +$78 | |
| 16 | $4,699 | 6.625% | — | 35 | +$371 | |
| 17 | $4,827 | 6.500% | — | 291 | +$499 | |
| 18 | $5,142 | 6.625% | — | 67 | +$814 | |
| 19 | $5,633 | 6.500% | — | 410 | +$1,305 | |
| 20 | $8,075 | 6.500% | — | 23 | +$3,747 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | First Financial Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,328 | $7,127 | −$2,799 (−39.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.