Lenders › The Federal Savings Bank › Ohio
The Federal Savings Bank in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
The Federal Savings Bank's 2024 HMDA record for Ohio covers 773 applications, 357 of them originated, worth $82m.
Its denial rate in the state was 12.6%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 18.6%.
The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | The Federal Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.6% | 23.5% | 18.6% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.1% | 17.7% | 7.3% | 15.6% |
| Average originated loan | $230k | $218k | $371k | $329k |
| Home purchase share | 62.7% | 51.7% | 46.9% | 57.0% |
| FHA-insured share | 12.9% | 12.3% | 16.1% | 13.4% |
| VA-guaranteed share | 34.2% | 5.9% | 46.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 63% (224)Refinancing 3% (12)Cash-out refinancing 32% (116)Other purpose 1% (5)
By type
Conventional 53% (189)FHA 13% (46)VA 34% (122)
Denial reasons as coded
Share of 52 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Allen County | 104 | 77 | $9.5m | 7.2% |
| Franklin County | 108 | 58 | $17m | 7.9% |
| Auglaize County | 34 | 25 | $3.7m | 7.4% |
| Cuyahoga County | 43 | 16 | $4.1m | — |
| Hamilton County | 34 | 12 | $3.6m | — |
| Montgomery County | 28 | 12 | $3.5m | — |
| Butler County | 27 | 10 | $3.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did The Federal Savings Bank originate in Ohio in 2024?
357 loans totalling $82m, from 773 applications reported for properties in Ohio.
What is The Federal Savings Bank's denial rate in Ohio?
12.6% of decided applications in Ohio were denied, against 23.5% for all lenders in the state and 18.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Ohio counties does The Federal Savings Bank lend in most?
By originations: Allen County (77), Franklin County (58), Auglaize County (25), Cuyahoga County (16), Hamilton County (12).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.