First Federal Bank of Ohio in Ohio vs the state
13.0%Denial rate-4.68 pts vs state
13.0%Decision denial rate-8.88 pts vs state
78.9%Origination rate+18.96 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
97Loans originated
16Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 117 | 95 | 13.7% | 7.75% | #281 |
| 2024 | 131 | 97 | 16.0% | — | #272 |
| 2025 | 123 | 97 | 13.0% | — | #299 |
What First Federal Bank of Ohio lends in Ohio
By loan purpose
By loan type
Where in Ohio
Counties with the most First Federal Bank of Ohio applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 30 | 22 | 5 | 16.7% |
| Morrow County | 27 | 21 | 3 | 11.1% |
| Erie County | 23 | 19 | 3 | 13.0% |
| Crawford County | 17 | 13 | 2 | 11.8% |
| Seneca County | 10 | 8 | 2 | 20.0% |
| Huron County | 5 | 4 | 0 | 0.0% |
| Marion County | 3 | 2 | 1 | 33.3% |
| Lucas County | 2 | 2 | 0 | 0.0% |
| Wood County | 2 | 2 | 0 | 0.0% |
| Ottawa County | 1 | 1 | 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: 123 applications in 2025, of which 97 were originated and 16 denied.
13.0% of all applications, or 13.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Federal Bank of Ohio'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