The Federal Savings Bank in Ohio vs the state
9.1%Denial rate-8.56 pts vs state
16.2%Decision denial rate-5.70 pts vs state
46.6%Origination rate-13.32 pts vs state
6.63%Median rate-0.25 pts vs state
0.43Rate spread (pts)+0.04 pts vs state
$81kMedian applicant income
408Loans originated
80Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 692 | 268 | 10.0% | 6.75% | #96 |
| 2024 | 773 | 357 | 6.7% | 6.75% | #94 |
| 2025 | 876 | 408 | 9.1% | 6.63% | #96 |
What The Federal Savings Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 118 | 81 | 5 | 4.2% |
| Franklin County | 91 | 38 | 4 | 4.4% |
| Cuyahoga County | 79 | 37 | 7 | 8.9% |
| Hamilton County | 47 | 18 | 4 | 8.5% |
| Auglaize County | 36 | 28 | 1 | 2.8% |
| Stark County | 30 | 12 | 4 | 13.3% |
| Montgomery County | 26 | 9 | 6 | 23.1% |
| Lorain County | 26 | 7 | 4 | 15.4% |
| Butler County | 24 | 12 | 3 | 12.5% |
| Summit County | 21 | 2 | 2 | 9.5% |
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: 876 applications in 2025, of which 408 were originated and 80 denied.
9.1% of all applications, or 16.2% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans The Federal Savings Bank originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are The Federal Savings 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