Internet Explorer 11 is outdated. For improved security and optimized performance we highly recommend upgrading your browser. ChromeFirefoxEdge

Find a Loan Officer

Whether you are looking to build, buy new, refinance or renovate your current home, First Federal Community Bank has as an expert loan officer ready to help guide you through the entire process. We pair local decision making, underwriting, processing and closing with competitive pricing and superior customer service, to provide you with the finest mortgage lending experience.

Apply Now

Brandy Hoepf 

Brandy Hoepf

NMLS ID# 871270
Location: Main Office
419-562-7055

Email Brandy

Customer Philosophy

I strive to make great things happen for others in my professional and personal life.  Through open and honest communication, I learn my customers wants and needs, and then we work together to figure out a plan to accomplish your goals.  Regardless of your situation, I will be here for you every step of the way.  Customers can trust me to do what is in their best as many have become generational customers. 

Years of Experience: 28 years

Having been with First Federal for 28 years and in the lending area, I have been fortunate to work with alongside many great people.  I have worked with countless customers through their lives and experiences.  They know us, are comfortable with us, and trust us to do what is in their best interest at all times, and many have become generational customers. 

Christa Hammock 

Christa Hammock

NMLS ID# 1615505
Location: Main Office
419-562-7055

Email Christa

Customer Philosophy

Passion, thoroughness, understanding, caring…just a few ways I would describe what I give each and every one of my customers. Not everyone buys houses every day so I am here to make this scary and confusing process less frightening. I can help you with anything from a small personal loan to aid in building credit, buying your first car or even purchasing your dream home! I am here from start to finish to help our customers achieve their desires. I have come to learn quickly that no two loans are the same. For me, that’s the best part of my job! Navigating the right direction to get to our end goal, closing.

Years of Experience: 11 years

I have been in banking for 11 years now. I started my career at a small local institution as a part time teller. With much dedication and work, I made my way through the ranks to now, a professional loan officer. I enjoy helping people and with my extensive background I am versatile and competent in my field of the banking world.

Sonya Coffman 

Sonya Coffman

NMLS ID# 1245076
Location: Main Office
419-562-7055

Email Sonya

Customer Philosophy

I have closed lots of loans over the years, combination of refinance, purchases, vehicles, recreational, motorcycles and etc. I take pride in helping customers achieve their goals. My main focus is always on the customer.  I understand the process especially for a mortgage loan can be very stressful.  I guide my customers every step of the way and want them to be at ease that the deal will get done.  I focus on taking the stress and possible confusion out of the process. I also focus on making each customer a top priority.  I’m always professional and understand the customer experience is the number one priority.

Customer Comments

“Thank you for making our dream home a dream come true.  You are a rock star.” – JR & Stevi

Years of Experience: 34 years

I started out in the accounting department for just a short time.  I was then promoted to the lending department as a processor for years. Then promoted to a Consumer Loan Officer.  Then I was asked to be Branch Manager/Loan Officer at our East Branch location, which I did that for total of 8 years.  Then was promoted back to the Main office as Asst. V.P. Mortgage Lending.

Angie Adkins 

Angie Adkins

NMLS ID# 454446
Location: East Branch
419-562-7066

Email Angie

Customer Philosophy

Whether it is your first home purchase or your last, I am passionate about helping families reach their goals by finding the right loan to fit their needs.  I work closely with each customer to guide them every step of the way during the loan process.  With my attention to deal and dedication to the customer, you will feel at ease knowing your deal will get done properly and timely.  I strive to make your process stress free so you can enjoy your adventure of homeownership.

Customer Comments

We were so happy to have First Federal Community Bank work with us in securing our new home loan. Our loan officer, Angie Adkins, was awesome and helped us navigate through the steps of the loan process and also helped us in the transition from a new construction loan to a home mortgage loan. She was so friendly and quick to answer all our questions and kept us updated on the progress all along the way. Thanks for your first class service!

Dave & Lori Riedel

Years of Experience: 24 years

I have had the honor of helping numerous customers achieve their goals of purchasing a home to change their lives forever.   My goal is to continue adding to my knowledge of the ever-changing mortgage times to help your dreams come true and watch you purchase your own home.

Stephanie Sigrist 

Stephanie Sigrist

NMLS ID# 1658445
Location: Marysville Banking Center
937-642-3421

Email Stephanie

Customer Philosophy

Whenever you’re making a purchase, rather it a home, car or recreational, you should be with an officer that cares about your well-being.  My dedication and commitment to my customers, referral partners and my team allows for a successful transaction for all involved.  I invest in each customer equally and believe is honest communication.  I thrive to build a bond with my customers that turns into a life-long friendship and not just another transaction.

Customer Comment

I wanted to take the time to thank you for your outstanding customer service in working the refinance for us! You were also very spontaneous in getting back with me with my emails and phone calls. As a consumer, never hearing back, or having to follow up, can be very frustrating. That is not you!  I sincerely hope that your career aspirations come to reality for you.  -  Warmest regards - Rich

Years of Experience: 13 years

 I have worked 13 years in retail banking and 4 years as a lender.   My knowledge in many areas of the banking field, allows for a smoother process for all involved and a one stop shop for many.

Eric J. Savidge 

Eric Savidge

NMLS ID# 251645
Location: Marysville Banking Center
937-642-3421

Email Eric

Customer Philosophy

Whether you are buying a house or refinancing an existing loan, my team of dedicated professionals will make it as easy as possible, offering you the best mortgage options available. We also will make sure your loan closes on time, which is especially important when buying a new home. We offer the following types of loans Conventional, FHA, USDA, VA, Bridge, Construction, Commercial and HELOC’s.

Customer Comments

“Eric works tirelessly for all his customers and co-workers. If you’re looking for one of the best and brightest group of Mortgage Originators in Central Ohio , Eric and his team at First Federal Community Bank of Bucyrus are worthy of your call.”

Years of Experience: 24 years

I have worked in mortgage lending for 24 years, and have a complete understanding of the guidelines to insure you get the best mortgage and I understand the entire process from A to Z.

John England 

John England

NMLS ID# 407242
Location: Marysville Banking Center
937-642-3421

Email John

Customer Philosophy

A mortgage home loan, for the majority of homeowners, is the largest loan they will ever take out in their lifetime. I believe that you are in better hands working with a professional that understands the magnitude of this single transaction. For my entire career, I have advocated for transparency, simplicity and efficiency for each client because it has been proven time and time again that those three things result in the best experience for my clients. No one should walk a way from a home loan closing and hope that they don’t have to go through that again. If you have ever felt this way, then you were not given the best service available to you; let me change that.

Customer Comments

“John listened to what our goals were and suggested loans based on our goals. This was our third time buying a home and we learned things from John we should have known before made our first home purchase. There is no way to quantify the value that working with him brings to the table.”

Years of Experience: 17 years

I have been in banking for over 17 years. I first entered this career in Mortgage Banking and over the years held positions in Retail Banking and Investment Banking. My first love was Mortgage Banking and I have spent the majority of my career in this arena. There is nothing like the smiles that come from satisfied mortgage banking customers.

Dee Courtney 

Dee Courtney

NMLS ID# 1721623
Location: Findlay Lending Center
567-271-0099

Email Dee

Customer Philosophy

Buying a new home is certainly fun and exciting also one of the most important investments, you will ever make. My goal is for you to have a positive experience and to put you with the loan program that best meets your needs. I will guide you every step of the way and keep you informed by communicating and educating you on your mortgage. I am not just available 9 to 5, I am available in the evenings and on the weekends as well, making it easy for you to work with me.  I pride myself on making every loan an experience and not just a transaction.  When you are financing what is likely the biggest purchase of your life I am there for you every step of the way.

Customer Comments

“Dee helped me with purchasing my first home. I highly recommend working with her she was always quick to respond.”

Realtor Comment

“Dee’s knowledge of the mortgage industry is fantastic. She has a wide range of loan products. My clients love her communication and are very satisfied with her professionalism”

Years of Experience: 3 years

I have worked in the mortgage industry for over 3 years, but come from a family of Realtors and I am no stranger to the industry. I am surrounded with a supportive team of industry professionals here at First Federal Community Bank and we have a loan to meet all of your needs.

Rick Lentz 

Rick Lentz

NMLS ID# 890213
Location: Marysville Banking Center
614-808-0524

Email Rick

Customer Philosophy

My philosophy is simple, the bank or financial institution you are dealing with is only as good as the person sitting across the desk from you, on the other end of the phone, or the other end of the keyboard, whichever the case may be.  All banks, loan companies and mortgage brokers have access to pretty much the same quiver of products.  The difference between “Brand X” and First Federal Community Bank is the lender you are dealing with.  I don’t want that to sound  arrogant, but I do believe that service and product knowledge is what differentiates me form other mortgage lenders.  Navigating the process of getting a mortgage loan in today’s market can be challenging.  My job is to make that process a simple as possible.  I do this by communicating and by explaining the process to you along the way.  We have access to Conventional, FHA, USDA, VA and Construction loans.  We also have the added benefit of having access to portfolio loans when the situation dictates.

Customer Comments

Rick has always been one of my top lenders!  He’s caring, diligent, and passionate! Always making sure that we have all bases covered! He explores options to make sure we have tested every avenue to do what’s best for the client, but as well as the transaction! Rick’s experience shines bright, and makes him an amazing lender for all clients! 

Jenna A. Webster, REALTOR
Berkshire Hathaway HomeServices - Crager Tobin Real Estate

Rick Lentz has always done a fantastic job for our company.  His communication is second to none and he is always working in the client’s best interest. From his creativity to his knowledge about all of his loan programs I can honestly say that it’s a pleasure doing business with him and it’s good to know that our clients are in good hands when working with Rick and his team at First Federal Community Bank!!

Jason Gardner 
Broker
Point Realty LLC”

Years of Experience: 40 years

I have over forty years of banking experience covering a wide range of job functions.  The best 16 years of my banking career has been doing my current job as a residential mortgage loan officer.  Of all of my banking experiences the one I enjoy the most and the one I am the best at is residential mortgage lending.   There is nothing more satisfying than helping young clients buy their first home, helping seasoned home owners downsize to their empty nest home or anything in-between.   I have a thorough knowledge of mortgage loan products and know how to get you the best loan for your situation.  

Timothy Adams 

Timothy Adams

NMLS ID# 438939
Location: Westerville Lending Center
614-657-7358

Email Timothy

Customer Philosophy

Buying your first or your fourth home is one of the most important transactions you’ll make in your life. No matter how many times you have bought a home or refinanced it can seem confusing, complicated and a bit intimidating. While each loan is unique, I evaluate the situation and clearly communicate with my clients and reassure them throughout the process. I ease the stress of the process by answering their questions and confirming they understand. I take pride in building customer loyalty by delivering clear communication, great products, closing on time and being available. My real estate agents, home builders and home loan customers count on me seven days a week. My job is not 9 to 5, I take calls in the evenings, on the weekends and even on vacation because it’s necessary. I make it a top priority to take care of my clients. I look at all options and present the best available to meet their needs.

Customer Comments

“Tim is awesome. It's great to have someone you can refer your clients to and know they will be taken great care of. Always available and helpful - with my easy clients, and the challenging ones.”   Mike McCoy, Broker Owner RE/MAX Impact

“Knowledgeable, professional and courteous. Tim is an amazing asset to have for my business.”   Stacey Plybon, Realtor e-Merge Real Estate

Years of Experience: 20 years

I have worked for over 20 years in the mortgage lending business. I’ve made many friends along the way, some who refer to me as “The Mortgage Guy”. They depend on me and trust my attention to detail. My business is based on 3 words that I live by, People Helping People, it’s powerful.

William Channell 

William Channell

NMLS ID# 470707
Location: Marysville Banking Center
614-563-9845

Email William

Customer Philosophy

I primarily work with Realtors to ensure their clients move from contract to closing as smoothly and efficiently as possible.  Easy access to honest communication and advice is the key to satisfied customers.

Years of Experience: 25 years

Residential purchase mortgage expert with over 25 years of origination experience offering straight answers and superior service in a complicated mortgage market.  My areas of expertise: Conventional, FHA, VA, USDA.  Tour Director - Marysville Association of Realtors
Co-Tour Director - Delaware County Board of Realtors 

Jarrett Hottman

Jarrett Hottman

NMLS ID# 1564428
Location: Marysville Banking Center
567-674-0456

Email Jarrett

Customer Philosophy

Buying a new home is fun and exciting but can also be stressful without the correct guidance and understanding of the process. My communication between my clients and my real estate agents is the key to keeping everyone’s mind at ease throughout each stage of the loan transaction. I guide my clients every step of the way and make myself available to them for questions or concerns at any time. My goal is to always exceed expectations and always get to the closing table before the deadline.

Customer Comments

“Jarrett was fantastic to work with. Made the process easy and answered all of our questions quickly. I have passed Jarrett’s contact info along to a few of my co-workers & family and friends. Will definitely be in touch again in the future! :)”

Years of Experience: 5 years

I worked for nearly 5 years in mortgage lending but have been in sales for over 15 years. I understand the ins and outs of taking care of my clients and understand what the client is looking for when financing a new home.

Chris Ackerman 

Chris Ackerman

NMLS ID# 258033
Location: Columbus Lending Center
614-430-8100

Email Chris

Customer Philosophy

With 25 years of experience in residential & commercial lending Chris finds it imperative when working with his customers to find the best loan product to meet their home purchase and refinancing needs. Chris is proud that many of his customers share his name and phone number with their friends and family, because they know they will receive honest, respectful service.

Customer Comments

"For someone buying a home, the realtor and I work together as a team for our customer." The loan process is not as easy as it used to be, and Chris's goal is to make it as smooth as possible for his customers. "I treat everyone like I would want to be treated, "to me, a referral is the biggest compliment."

Years of Experience: Manager/Mortgage Lending Specialist Chris Ackerman works out of the Columbus Ohio location for FFCB.

Years of Experience: 25 years

Manager/Mortgage Lending Specialist Chris Ackerman works out of the Columbus Ohio location for FFCB.

Stephen Harless 

Stephen Harless

NMLS ID# 198171
Location: Delaware Lending Center
440-364-0323

Email Stephen

Customer Philosophy

My philosophy to helping clients starts with education and understanding. During my interview with a client I never assume what is best option and make sure that I ask the digging deep questions to uncover the true “best fit” mortgage product. My approach to educating my clients on the options available and why I would choose one over the other has been a very successful method and one that leaves clients with a feeling that they know why they did business with me. Many times this results in referrals from friends, family, and co-workers.

Customer Comments

My husband and I worked with Stephen Harless and his team on refinancing our home. He saved us thousands of dollars and cut years off our mortgage all while lowering our monthly payment. We are very grateful to them. God bless! – Victoria in Marion, Ohio

Years of Experience: 13 years

Chad Perk 

Chad Perk

NMLS ID# 563626
Location: Sidney Lending Center
614-610-1592

Email Chad

Customer Philosophy

22 years in the mortgage industry has taught me one thing, always put the customer first.  I focus on putting the customer first with the utmost respect and communication. I treat all customers as people not just a number and you can put your trust in me so we can address your mortgage wants or needs. I realized due to the ever changing mortgage industry it would serve me well to attend Hondros School of Real Estate. I familiarized myself with new products and laws which allows me to present accurate information so my customers can make informed decisions. If you are exploring options such as buying a home or refinancing a current mortgage my focus is to communicate with you or all parties involved so the process is smooth and flawless. My door is always open.  

Years of Experience: 22 years

Quicklinks Include

Go to Top