First Federal Savings and Loan Association of Delta in Ohio vs the state
6.8%Denial rate-10.91 pts vs state
7.7%Decision denial rate-14.20 pts vs state
81.4%Origination rate+21.46 pts vs state
6.50%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.33 pts vs state
$92kMedian applicant income
48Loans originated
4Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 48 | 1.8% | 6.63% | #376 |
| 2024 | 47 | 42 | 4.3% | 6.88% | #403 |
| 2025 | 59 | 48 | 6.8% | 6.50% | #385 |
What First Federal Savings and Loan Association of Delta lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Federal Savings and Loan Association of Delta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lucas County | 25 | 18 | 2 | 8.0% |
| Fulton County | 21 | 18 | 2 | 9.5% |
| Henry County | 6 | 6 | 0 | 0.0% |
| Wood County | 5 | 5 | 0 | 0.0% |
| Cuyahoga County | 2 | 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: 59 applications in 2025, of which 48 were originated and 4 denied.
6.8% of all applications, or 7.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Federal Savings and Loan Association of Delta originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are First Federal Savings and Loan Association of Delta'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