Lender in Kentucky · HMDA 2025
First Financial Bank mortgages in Kentucky
First Financial Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
First Financial Bank originated 524 owner-occupied single-family loans in Kentucky from 572 completed applications, making it the state's #23 lender by volume.
Its median conventional purchase loan costs were $5,490 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
524
of 572 applications
Denial rate
5.3%
Purchase · KY 8.2%
Rate spread
+0.30 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 514 | 486 | 5.3% | 6.500% | +0.30 pts | $5,490 | $215,000 |
| Refinance | 40 | 27 | 32.5% | — | −0.06 pts | $4,330 | $415,000 |
| Cash-out refinance | 18 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where First Financial Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 3 | 426 | 3.8% |
| Oldham County | 23 | 14 | 1.2% |
| Shelby County | 23 | 10 | 1.3% |
| Spencer County | 25 | 4 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology