Applications / Mortgage Analytics / Lenders / Ohio / First Federal Savings and Loan Association of Delta
Delta, OH · Savings institution · OCC · $242 million assets · 48 loans in 2025
First Federal Savings and Loan Association of Delta's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
48
loans originated, 2025
59
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of Delta, a small Ohio savings institution, made 14% more loans in 2025 while similar lenders stood still.
Its loans rose 14% to 48. Similar lenders, savings institutions making between half and twice as many loans in 2025, were flat, and the whole market grew 10%; its growth was higher than at about three in five of them. The gain is small beside its own past. It made 152 loans in 2020 and 172 in 2021, and between 42 and 64 a year since 2022.
Its typical loan was $155,000, against $245,000 at similar lenders, lower than about four in five of them. Every loan was conventional, with no government backing, and just over half were home purchases.
Its share of loans to low- and moderate-income (LMI) borrowers, 29.2%, was a little above the middle of similar lenders. Its share in LMI neighborhoods was not: 2.1%, against 17.6%, among the lowest tenth. On 48 loans a single loan moves that share a long way, and a lender working in five counties may have few such neighborhoods within reach.
Toledo has been its largest market since 1990. Its share there rose from 0.4% to 0.5%, ranking 39 of 334 lenders, in a market The Huntington National Bank leads. In 2025 it made its first loans in Cleveland.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Delta took 59 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.1% · Refinance 31.3% · Other 12.5% · Home improvement 4.2%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Toledo | 41 |
| Cleveland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001WH56IR3WR8F53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 80374 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43313 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703313 | 2011–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of Delta's data.
First Federal Savings and Loan Association of Delta's data
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First Federal Savings and Loan Association of Delta 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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