First Financial Bank
First Financial Bank received 53 applications in 2025 and made 24 mortgages, in 6 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $220,000. Of 40 decisions, 14 were denials — 35.0%, most often for credit history.
| Legal Entity Identifier | 549300YIZECN2NB3I529 |
|---|---|
| Applications received | 53 |
| Mortgages made | 24 |
| Denied | 14 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 13 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Financial Bank, 83 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | Not published | $260,000 | 20.8% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 44.4% |
Where First Financial Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 11 | Not published | 47.6% |
| Shelby County, AL | 5 | Under 10 loans | 28.6% |
| Bibb County, AL | 3 | Under 10 loans | 16.7% |
| Tuscaloosa County, AL | 3 | Under 10 loans | 25.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
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When First Financial Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.