First Federal Savings and Loan Association of Lakewood in Michigan vs the state
25.0%Denial rate+6.48 pts vs state
25.0%Decision denial rate+2.42 pts vs state
75.0%Origination rate+15.11 pts vs state
6.43%Median rate-0.33 pts vs state
0.12Rate spread (pts)-0.28 pts vs state
$150kMedian applicant income
6Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 37 | 9.1% | 7.30% | #326 |
| 2024 | 33 | 24 | 18.2% | 7.63% | #379 |
| 2025 | 8 | 6 | 25.0% | 6.43% | #542 |
What First Federal Savings and Loan Association of Lakewood lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most First Federal Savings and Loan Association of Lakewood applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 2 | 0 | 2 | 100.0% |
| Monroe County | 2 | 2 | 0 | 0.0% |
| Lenawee County | 1 | 1 | 0 | 0.0% |
| Hillsdale County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Ingham County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 8 applications in 2025, of which 6 were originated and 2 denied.
25.0% of all applications, or 25.0% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans First Federal Savings and Loan Association of Lakewood originated in Michigan in 2025 was 6.43%, against a statewide median of 6.75%.
About this data. Figures are First Federal Savings and Loan Association of Lakewood's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology