# First Federal Savings and Loan Association of Delta

> **Canonical URL:** https://saferate.com/lenders/first-federal-savings-and-loan-association-of-delta


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Federal Savings and Loan Association of Delta is a bank, headquartered in Delta, OH, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 19% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549001WH56IR3WR8F53
- **Headquarters:** Delta, OH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.222%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $555
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $7 million
- **Applications Received:** 32
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $236,935
- **Average Borrower Income:** $128,839
- **Average Property Value:** $316,290

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 31 | +0.222% | $555 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 27 | $7M | +0.256% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 31 | 0.02% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Toledo, OH | OH | 27 | 67/100 |

## Where This Lender Ranks

First Federal Savings and Loan Association of Delta appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Toledo, OH Banks
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks)
- 🏆 **#15** in Toledo, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does First Federal Savings and Loan Association of Delta offer?

First Federal Savings and Loan Association of Delta offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Federal Savings and Loan Association of Delta offer mortgages?

First Federal Savings and Loan Association of Delta offers mortgages in 1 states: OH.

### How competitive are First Federal Savings and Loan Association of Delta's mortgage rates?

First Federal Savings and Loan Association of Delta has a pricing score of 81/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.222% above market average.

### What type of lender is First Federal Savings and Loan Association of Delta?

First Federal Savings and Loan Association of Delta is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Delta, OH.

### What is First Federal Savings and Loan Association of Delta's loan approval success rate?

First Federal Savings and Loan Association of Delta has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-federal-savings-and-loan-association-of-delta

### How to Cite

> "First Federal Savings and Loan Association of Delta Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-federal-savings-and-loan-association-of-delta

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