HMDA records
10,539
2025
Public institution profile · Bank · Not a recommendation
First Financial Bank
Also published as First Financial Bank (Cincinnati, OH)
BankCincinnati, OHActive
FDIC certificate 6600
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 6600
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 165628
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.bankatfirst.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Cincinnati, OH
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 155
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Outstanding, exam June 12, 2023
- Institution history
- 19 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Cincinnati, OH
- activity
- Published activity year 2025
- Listed branch locations
- 155
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Outstanding, exam June 12, 2023
- Institution history
- 19 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
10,539reported records
7,073reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
7,073
2025
Denials
2,367
2025
Withdrawals
986
2025
Denial rate among decisioned applications
24.9%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 10,539 | 7,073 | 77 | 2,367 | 986 | 24.9% |
| 2024 | 10,033 | 6,448 | 95 | 2,779 | 688 | 29.8% |
| 2023 | 9,475 | 6,043 | 95 | 2,738 | 564 | 30.8% |
| 2022 | 10,218 | 6,603 | 80 | 2,714 | 699 | 28.9% |
| 2021 | 13,717 | 9,139 | 185 | 2,930 | 821 | 23.9% |
| 2020 | 15,836 | 10,411 | 231 | 3,306 | 1,110 | 23.7% |
| 2019 | 12,553 | 7,869 | 247 | 3,241 | 515 | 28.5% |
| 2018 | 10,427 | 6,513 | 276 | 3,009 | 369 | 30.7% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 10,284 |
| FHA | 199 |
| VA | 31 |
| RHS / FSA | 25 |
| Home purchase | 4,088 |
| Home improvement | 1,663 |
| Refinancing | 557 |
| Cash-out refinancing | 2,030 |
State reporting
23 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First Financial Bank
- Display name
- First Financial Bank (Cincinnati, OH)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 1, 1863
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Cincinnati, OH, 45202, United States
- Website
- https://www.bankatfirst.com
- FDIC certificate number
- 6600
- Federal Reserve
- 165628
- Domestic location count
- 165
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 6600
- Federal Reserve
- 165628
- MV4O55SH8HO6KQSGW013
- Headquarters
- 1 East 4th Street, Cincinnati, OH, 45202, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Outstanding
- Exam date
- June 12, 2023
- Regulator
- Federal Reserve
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| June 12, 2023 | Outstanding | Federal Reserve | Large Bank Exam |
| January 11, 2021 | Outstanding | Federal Reserve | Large Bank Exam |
| February 26, 2018 | Satisfactory | Federal Reserve | Large Bank Exam |
Formal hierarchy
FFIEC NIC hierarchy rows
8
Showing 1 through 8 of 8 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FINANCIAL ASSURANCE SERVICES, INC | Domestic Entity Other | Burr Ridge, IL |
| Direct relationship | FIRST FINANCIAL COLLATERAL, INC. | Domestic Entity Other | Columbus, IN |
| Direct relationship | FIRST FRANCHISE CAPITAL CORPORATION | Domestic Entity Other | Park Ridge, NJ |
| Direct relationship | IRWIN HOME EQUITY CORPORATION | Domestic Entity Other | Columbus, IN |
| Direct relationship | MSB INVESTMENTS OF NEVADA, INC. | Domestic Entity Other | Las Vegas, NV |
| Direct relationship | OAK STREET HOLDINGS CORPORATION | Domestic Entity Other | Carmel, IN |
| Direct relationship | SUMMIT FUNDING GROUP | Domestic Entity Other | Mason, OH |
| ROOT_INSTITUTION | FIRST FINANCIAL BANK | State Member Bank | Cincinnati, OH |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
155
Showing 1 through 50 of 155 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| 1901 SIBLEY BOULEVARD OFFICE | 1901 Sibley Boulevard | Calumet City | IL | 60409 |
| CALUMET PARK BRANCH | 1333 West 127th Street | Calumet Park | IL | 60827 |
| 1354 EAST 55TH STREET OFFICE | 1354 East 55th Street | Chicago | IL | 60615 |
| 2424 NORTH CLARK ST OFFICE | 2424 North Clark Street | Chicago | IL | 60614 |
| 6415 WEST 95TH STREET OFFICE | 6415 West 95th Street | Chicago Ridge | IL | 60415 |
| 630 WAUKEGAN ROAD OFFICE | 630 Waukegan Road | Deerfield | IL | 60015 |
| DOWNERS GROVE BRANCH | 5140 Main Street | Downers Grove | IL | 60515 |
| FLOSSMOOR BRANCH | 2743 Flossmoor Road | Flossmoor | IL | 60422 |
| 323 EAST MAIN STREET OFFICE | 323 East Main Street | Hoopeston | IL | 60942 |
| 1401 NORTH LARKIN AVENUE OFFICE | 1401 North Larkin Avenue | Joliet | IL | 60435 |
| 2000 WEST COURT STREET BRANCH | 2000 West Court Street | Kankakee | IL | 60901 |
| 1409 WEST PETERSON ROAD OFFICE | 1409 West Peterson Road | Libertyville | IL | 60048 |
| ONE MARRIOTT DRIVE OFFICE | One Marriott Drive | Lincolnshire | IL | 60069 |
| LINCOLNWOOD BRANCH | 3443 West Touhy Avenue | Lincolnwood | IL | 60712 |
| OLYMPIA FIELDS OFFICE | 21110 Western Avenue | Olympia Fields | IL | 60461 |
| 48 ORLAND SQUARE DRIVE BRANCH | 48 Orland SQ DR | Orland Park | IL | 60462 |
| WATSEKA BRANCH | 216 South 4th Street | Watseka | IL | 60970 |
| 6301 FAIRVIEW BRANCH | 6301 Fairview | Westmont | IL | 60559 |
| 104 LINKS WAY | 104 Links Way | Aurora | IN | 47001 |
| AVON BRANCH | 9554 East Highway 36 | Avon | IN | 46123 |
| 1053 STATE ROAD 229 OFFICE | 1053 State Road 229 | Batesville | IN | 47006 |
| BLOOMINGTON BRANCH | 536 North College Avenue | Bloomington | IN | 47404 |
| BLOOMINGTON EAST | 3205 East Third Street | Bloomington | IN | 47401 |
| 9014 SR 101 OFFICE | 9014 SR 101 | Brookville | IN | 47012 |
| CARMEL BRANCH | 751 City Center Drive | Carmel | IN | 46032 |
| COLUMBUS CENTRAL AVENUE | 2737 Central Avenue | Columbus | IN | 47201 |
| COLUMBUS DT BRANCH | 125 Third Street | Columbus | IN | 47201 |
| CREEKVIEW BRANCH | 707 Creekview Drive | Columbus | IN | 47201 |
| WEST HILL BRANCH | 3950 Jonathan Moore Pike | Columbus | IN | 47201 |
| CONNERSVILLE BRANCH | 630 Central Avenue | Connersville | IN | 47331 |
| 221 EAST MAIN STREET OFFICE | 221 East Main Street | Crawfordsville | IN | 47933 |
| SUMMIT CROSSING BRANCH | 936 North Main Street | Crown Point | IN | 46307 |
| DELPHI BRANCH | 215 East Main Street | Delphi | IN | 46923 |
| 3880 WEST PRESIDENTIAL WAY OFFICE | 3880 West Presidential Way | Edinburgh | IN | 46124 |
| FLORA BRANCH | 817 East Columbia Street | Flora | IN | 46929-1412 |
| 50 BRANIGIN ROAD OFFICE | 50 Branigin Road | Franklin | IN | 46131 |
| GARY BRANCH | 5974 W Ridge Road | Gary | IN | 46408 |
| 7700 STATE ROAD 64 OFFICE | 7700 State Road 64 | Georgetown | IN | 47122 |
| GOODLAND OFFICE | 220 South Newton Street | Goodland | IN | 47948 |
| GREENSBURG BRANCH | 1901 North Lincoln Street | Greensburg | IN | 47240 |
| GREENSBURG MAIN | 201 North Broadway Street | Greensburg | IN | 47240 |
| HAGERSTOWN | 102 West Main Street | Hagerstown | IN | 47346 |
| HESSVILLE BC | 2705 169th Street | Hammond | IN | 46323 |
| 136 THORNTON ROAD OFFICE | 136 Thornton Road | Hanover | IN | 47243 |
| HARTFORD CITY MAIN BRANCH | 117 S. Jefferson Street | Hartford City | IN | 47348 |
| JEFFERSON STREET BRANCH | 117 South Jefferson Street | Hartford City | IN | 47348 |
| 45TH STREET BRANCH | 2750 45th Street | Highland | IN | 46322 |
| DT HIGHLAND BRANCH | 2611 Highway Avenue | Highland | IN | 46322 |
| 555 EAST THIRD STREET BRANCH | 555 East Third Street | Hobart | IN | 46342 |
| HOPE BRANCH | 8475 North State Road 9, Suite 4 | Hope | IN | 47246 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
19
Showing 1 through 19 of 19 history events
| Event date | Event type | Related institution |
|---|---|---|
| January 1, 2026 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 1, 2018 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 22, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 8, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 8, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 19, 2009 | Failure - Government Assistance Provided | IRWIN UNION BANK, F.S.B. |
| September 19, 2009 | Failure - Government Assistance Provided | IRWIN UNION BANK AND TRUST COMPANY |
| August 1, 2009 | Failure - Government Assistance Provided | PEOPLES COMMUNITY BANK |
| September 16, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST FINANCIAL BANCORP SERVICE CORP. |
| August 20, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 20, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 19, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 19, 2002 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 21, 2000 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 1, 1984 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 1982 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 1980 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST NATIONAL BANK OF MIDDLETOWN |
| October 23, 1961 | Charter Discontinued (Merger or Purchase & Assumption) | OXFORD NATIONAL BANK, THE |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.