First Federal Savings and Loan Association of Lakewood in Ohio vs the state
10.4%Denial rate-7.28 pts vs state
12.6%Decision denial rate-9.25 pts vs state
71.3%Origination rate+11.36 pts vs state
6.75%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.28 pts vs state
$136kMedian applicant income
1,143Loans originated
167Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,832 | 1,388 | 7.2% | 6.78% | #45 |
| 2024 | 1,701 | 1,261 | 9.7% | 6.98% | #50 |
| 2025 | 1,604 | 1,143 | 10.4% | 6.75% | #58 |
What First Federal Savings and Loan Association of Lakewood lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Federal Savings and Loan Association of Lakewood applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 764 | 542 | 71 | 9.3% |
| Lorain County | 157 | 103 | 24 | 15.3% |
| Summit County | 116 | 81 | 13 | 11.2% |
| Lake County | 109 | 73 | 9 | 8.3% |
| Medina County | 98 | 77 | 7 | 7.1% |
| Franklin County | 69 | 57 | 5 | 7.2% |
| Geauga County | 51 | 32 | 4 | 7.8% |
| Delaware County | 33 | 24 | 6 | 18.2% |
| Lucas County | 30 | 22 | 5 | 16.7% |
| Portage County | 28 | 19 | 3 | 10.7% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 1,604 applications in 2025, of which 1,143 were originated and 167 denied.
10.4% of all applications, or 12.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans First Federal Savings and Loan Association of Lakewood originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are First Federal Savings and Loan Association of Lakewood's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology