First Federal Savings of Lorain in Ohio vs the state
6.3%Denial rate-11.38 pts vs state
7.1%Decision denial rate-14.82 pts vs state
79.3%Origination rate+19.38 pts vs state
6.50%Median rate-0.38 pts vs state
-0.07Rate spread (pts)-0.46 pts vs state
$108kMedian applicant income
88Loans originated
7Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 148 | 95 | 8.8% | 6.25% | #252 |
| 2024 | 134 | 88 | 6.0% | 6.63% | #270 |
| 2025 | 111 | 88 | 6.3% | 6.50% | #314 |
What First Federal Savings of Lorain lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most First Federal Savings of Lorain applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lorain County | 51 | 38 | 5 | 9.8% |
| Erie County | 21 | 19 | 0 | 0.0% |
| Ottawa County | 12 | 8 | 1 | 8.3% |
| Cuyahoga County | 10 | 6 | 1 | 10.0% |
| Medina County | 6 | 6 | 0 | 0.0% |
| Huron County | 4 | 4 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Sandusky County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Geauga County | 1 | 1 | 0 | 0.0% |
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: 111 applications in 2025, of which 88 were originated and 7 denied.
6.3% of all applications, or 7.1% 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 of Lorain originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are First Federal Savings of Lorain'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