First Federal Savings and Loan Association of Lakewood
First Federal Savings and Loan Association of Lakewood received 1,666 applications in 2025 and made 1,189 mortgages, in 111 counties across 19 states. The median rate its borrowers got was 6.750% on a median loan of $225,000. Of 1,373 decisions, 172 were denials — 12.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DPWFIO1S3DF358 |
|---|---|
| Applications received | 1,666 |
| Mortgages made | 1,189 |
| Denied | 172 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 293 |
| Loans bought from other lenders | 165 |
| Median rate spread over the prime offer rate | 0.109 points |
| FDIC-insured bank | Yes: First Federal Savings and Loan Association of Lakewood, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 728 | 6.500% | $275,000 | 3.9% |
| Refinancing | 75 | 6.250% | $255,000 | 10.6% |
| Cash-out refinancing | 139 | 7.050% | $185,000 | 7.3% |
| Other purposes | 247 | 7.250% | $105,000 | 32.5% |
Where First Federal Savings and Loan Association of Lakewood lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cuyahoga County, OH | 542 | 6.750% | 11.5% |
| Lorain County, OH | 103 | 6.975% | 18.2% |
| Summit County, OH | 81 | 6.500% | 13.8% |
| Medina County, OH | 77 | 6.750% | 8.2% |
| Lake County, OH | 73 | 6.575% | 11.0% |
| Franklin County, OH | 57 | 6.750% | 8.1% |
| Geauga County, OH | 32 | 6.875% | 11.1% |
| Delaware County, OH | 24 | 6.900% | 19.4% |
| Lucas County, OH | 22 | 6.838% | 18.5% |
| Portage County, OH | 19 | 6.875% | 13.6% |
| Licking County, OH | 12 | 6.900% | 14.3% |
| Stark County, OH | 11 | 6.825% | 8.3% |
| Wood County, OH | 9 | Under 10 loans | 25.0% |
| Erie County, OH | 8 | Under 10 loans | 20.0% |
| Hamilton County, OH | 7 | Under 10 loans | 22.2% |
| Tuscarawas County, OH | 7 | Under 10 loans | 12.5% |
| Forsyth County, NC | 6 | Under 10 loans | 0.0% |
| Ashtabula County, OH | 6 | Under 10 loans | 12.5% |
| Fairfield County, OH | 5 | Under 10 loans | 16.7% |
| Pickaway County, OH | 5 | Under 10 loans | 0.0% |
| Wayne County, OH | 5 | Under 10 loans | 16.7% |
| Trumbull County, OH | 4 | Under 10 loans | 20.0% |
| Cook County, IL | 3 | Under 10 loans | 25.0% |
| Hancock County, OH | 3 | Under 10 loans | 0.0% |
| Huron County, OH | 3 | Under 10 loans | 0.0% |
| Knox County, OH | 3 | Under 10 loans | 0.0% |
| Ottawa County, OH | 3 | Under 10 loans | 40.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Adams County, IL | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 0.0% |
| Guilford County, NC | 2 | Under 10 loans | 0.0% |
| Mahoning County, OH | 2 | Under 10 loans | 0.0% |
| Montgomery County, OH | 2 | Under 10 loans | 0.0% |
| Muskingum County, OH | 2 | Under 10 loans | 0.0% |
| Warren County, OH | 2 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| McLean County, IL | 1 | Under 10 loans | 0.0% |
| Allen County, IN | 1 | Under 10 loans | 0.0% |
| Hendricks County, IN | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
| Campbell County, KY | 1 | Under 10 loans | 0.0% |
| Edmonson County, KY | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | 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.