First Federal Savings and Loan Association
First Federal Savings and Loan Association received 252 applications in 2025 and made 161 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 6.950% on a median loan of $215,000. Of 213 decisions, 44 were denials — 20.7%, most often for credit history.
| Legal Entity Identifier | 5493001MUHR5XU30WE58 |
|---|---|
| Applications received | 252 |
| Mortgages made | 161 |
| Denied | 44 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.172 points |
| FDIC-insured bank | Yes: First Federal Savings and Loan Association, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 103 | 6.875% | $275,000 | 19.4% |
| Refinancing | 24 | 7.000% | $150,000 | 29.4% |
| Cash-out refinancing | 22 | 7.063% | $195,000 | 23.3% |
| Other purposes | 12 | 7.750% | $100,000 | 6.7% |
Where First Federal Savings and Loan Association lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Licking County, OH | 119 | 6.950% | 20.1% |
| Franklin County, OH | 14 | 6.938% | 22.2% |
| Knox County, OH | 6 | Under 10 loans | 0.0% |
| Muskingum County, OH | 6 | Under 10 loans | 46.2% |
| Perry County, OH | 6 | Under 10 loans | 25.0% |
| Fairfield County, OH | 3 | Under 10 loans | 0.0% |
| Delaware County, OH | 2 | Under 10 loans | 33.3% |
| Champaign County, OH | 1 | Under 10 loans | 0.0% |
| Coshocton County, OH | 1 | Under 10 loans | 0.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Union County, OH | 1 | Under 10 loans | 0.0% |
| Washington County, OH | 1 | Under 10 loans | 0.0% |
| Athens County, OH | 0 | Under 10 loans | Not published |
| Pickaway County, OH | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.