Applications / Mortgage Analytics / Lenders / Ohio / First Federal Savings and Loan Association
Newark, OH · Savings institution · OCC · $295 million assets · 161 loans in 2025
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161
loans originated, 2025
252
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association, an Ohio savings institution, puts a bigger share of its loans in poorer neighborhoods than about nine in ten similar lenders.
Low- and moderate-income (LMI) neighborhoods took 34.2% of its loans, against 16.6% at similar lenders (savings institutions making between half and twice as many loans). The share was 14.6% in 2020. LMI borrowers took 32.6%, against 24.8%, more than at about three-quarters of similar lenders.
Purchases made up 64.0% of its loans and refinances 28.6%, all conventional. It lends in 12 counties of one state. In Columbus, where it has lent since at least 1990, it ranks 75 of 596 lenders with an unchanged 0.3% share; The Huntington National Bank leads.
It made 161 loans, up 7%, against 5% at similar lenders. Its typical loan was $215,000, against $242,500. It made 833 loans in 2020 and has made between 150 and 184 a year since 2023.
Majority-minority neighborhoods took 0.6% of its loans, against 6.4% at similar lenders. The make-up of the counties it serves may be the reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association took 252 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.0% · Refinance 28.6% · Other 5.0% · Home improvement 2.5%
Conventional 100.0% · of 161 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 161 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 145 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001MUHR5XU30WE58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 623874 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42893 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702893 | 2011–2017 |
Established 1 August 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association's data.
First Federal Savings and Loan Association's data
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First Federal Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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