Applications / Mortgage Analytics / Lenders / Ohio / First Federal Bank of Ohio
Galion, OH · Savings institution · OCC · $278 million assets · 97 loans in 2025
First Federal Bank of Ohio's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
97
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Bank of Ohio makes small loans to modest households: nearly half its loans went to low- and moderate-income (LMI) borrowers, more than at nearly all similar lenders.
48.4% of its loans went to LMI borrowers, against 24.7% at similar lenders (savings institutions making between half and twice as many loans). 27.8% were in LMI neighborhoods, against 17.2%, more than at about four in five of them. Its LMI-borrower share has risen from 32.4% five years earlier.
Its typical loan was $115,000, against $245,000 at similar lenders, smaller than at nearly all of them. Its mix may explain much of that. Purchases were 48.5% of its loans, with home improvement and refinancing at 19.6% each and other purposes at 12.4%. It also bought 20 loans, where most similar lenders bought none.
It made 97 loans in both 2024 and 2025, while similar lenders grew 5% and the whole market 10%. That is far below the 484 of 2020 and the 249 of 2018; the data do not show why.
It ranked 26 of 187 lenders in Mansfield, with a 0.7% share against 0.6% a year earlier. In Sandusky it ranked 34 of 230, and its share slipped from 0.9% to 0.7%, which at this size may be a few loans either way. It has lent in both since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank of Ohio took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.5% · Home improvement 19.6% · Refinance 19.6% · Other 12.4%
Conventional 100.0% · of 97 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 | 97 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 22 |
| Mansfield | 22 |
| Sandusky | 20 |
| Toledo | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007S3Y4859VJ1444 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 207470 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 441 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700041 | 2011–2017 |
Established 1 January 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Bank of Ohio's data.
First Federal Bank of Ohio's data
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First Federal Bank of Ohio 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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