First Federal Bank in Ohio vs the state
6.8%Denial rate-10.86 pts vs state
12.5%Decision denial rate-9.39 pts vs state
47.8%Origination rate-12.07 pts vs state
6.25%Median rate-0.63 pts vs state
-0.21Rate spread (pts)-0.59 pts vs state
$130kMedian applicant income
77Loans originated
11Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 35 | 10.3% | 6.63% | #355 |
| 2024 | 117 | 60 | 6.0% | 6.13% | #286 |
| 2025 | 161 | 77 | 6.8% | 6.25% | #265 |
What First Federal Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 30 | 10 | 2 | 6.7% |
| Cuyahoga County | 18 | 7 | 2 | 11.1% |
| Hamilton County | 12 | 7 | 2 | 16.7% |
| Delaware County | 11 | 5 | 0 | 0.0% |
| Summit County | 7 | 5 | 0 | 0.0% |
| Medina County | 7 | 3 | 0 | 0.0% |
| Montgomery County | 6 | 4 | 0 | 0.0% |
| Warren County | 5 | 2 | 0 | 0.0% |
| Greene County | 5 | 2 | 0 | 0.0% |
| Clermont County | 5 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 161 applications in 2025, of which 77 were originated and 11 denied.
6.8% of all applications, or 12.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Federal Bank originated in Ohio in 2025 was 6.25%, against a statewide median of 6.88%.
About this data. Figures are First Federal Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology