First Federal Savings of Lorain
First Federal Savings of Lorain received 111 applications in 2025 and made 88 mortgages, in 51 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $245,000. Of 99 decisions, 7 were denials — 7.1%, most often for debt-to-income ratio. 8 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493006GPVUJZWTAR765 |
|---|---|
| Applications received | 111 |
| Mortgages made | 88 |
| Denied | 7 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 337 |
| Median rate spread over the prime offer rate | -0.072 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | 6.500% | $305,000 | 4.2% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 16 | 7.188% | $145,000 | 20.0% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 0.0% |
Where First Federal Savings of Lorain 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 |
|---|---|---|---|
| Lorain County, OH | 38 | 6.500% | 11.1% |
| Erie County, OH | 19 | 6.625% | 0.0% |
| Ottawa County, OH | 8 | Under 10 loans | 11.1% |
| Cuyahoga County, OH | 6 | Under 10 loans | 12.5% |
| Medina County, OH | 6 | Under 10 loans | 0.0% |
| Huron County, OH | 4 | Under 10 loans | 0.0% |
| Ashland County, OH | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Geauga County, OH | 1 | Under 10 loans | 0.0% |
| Sandusky County, OH | 1 | Under 10 loans | 0.0% |
| Trumbull County, OH | 1 | Under 10 loans | 0.0% |
| Wayne County, OH | 1 | Under 10 loans | 0.0% |
| Adams County, OH | 0 | Under 10 loans | Not published |
| Ashtabula County, OH | 0 | Under 10 loans | Not published |
| Butler County, OH | 0 | Under 10 loans | Not published |
| Carroll County, OH | 0 | Under 10 loans | Not published |
| Champaign County, OH | 0 | Under 10 loans | Not published |
| Clark County, OH | 0 | Under 10 loans | Not published |
| Clermont County, OH | 0 | Under 10 loans | Not published |
| Columbiana County, OH | 0 | Under 10 loans | Not published |
| Defiance County, OH | 0 | Under 10 loans | Not published |
| Delaware County, OH | 0 | Under 10 loans | Not published |
| Fairfield County, OH | 0 | Under 10 loans | Not published |
| Greene County, OH | 0 | Under 10 loans | Not published |
| Guernsey County, OH | 0 | Under 10 loans | Not published |
| Hamilton County, OH | 0 | Under 10 loans | Not published |
| Hancock County, OH | 0 | Under 10 loans | Not published |
| Henry County, OH | 0 | Under 10 loans | Not published |
| Knox County, OH | 0 | Under 10 loans | Not published |
| Lake County, OH | 0 | Under 10 loans | Not published |
| Licking County, OH | 0 | Under 10 loans | Not published |
| Logan County, OH | 0 | Under 10 loans | Not published |
| Lucas County, OH | 0 | Under 10 loans | Not published |
| Mahoning County, OH | 0 | Under 10 loans | Not published |
| Miami County, OH | 0 | Under 10 loans | Not published |
| Montgomery County, OH | 0 | Under 10 loans | Not published |
| Morrow County, OH | 0 | Under 10 loans | Not published |
| Muskingum County, OH | 0 | Under 10 loans | Not published |
| Pickaway County, OH | 0 | Under 10 loans | Not published |
| Portage County, OH | 0 | Under 10 loans | Not published |
| Preble County, OH | 0 | Under 10 loans | Not published |
| Putnam County, OH | 0 | Under 10 loans | Not published |
| Richland County, OH | 0 | Under 10 loans | Not published |
| Stark County, OH | 0 | Under 10 loans | Not published |
| Summit County, OH | 0 | Under 10 loans | Not published |
| Tuscarawas County, OH | 0 | Under 10 loans | Not published |
| Union County, OH | 0 | Under 10 loans | Not published |
| Warren County, OH | 0 | Under 10 loans | Not published |
| Washington County, OH | 0 | Under 10 loans | Not published |
| Wood County, OH | 0 | Under 10 loans | Not published |
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When First Federal Savings of Lorain’s figures are published for the next year, or restated.
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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.