Applications / Mortgage Analytics / Lenders / Ohio / First Federal Savings and Loan Association of Lorain
Lorain, OH · Savings institution · OCC · $573 million assets · 88 loans in 2025
First Federal Savings and Loan Association of Lorain's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
88
loans originated, 2025
111
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings and Loan Association of Lorain, an Ohio savings institution, bought 337 loans from other lenders in 2025, far more than the 88 it made itself.
Those purchases put it ahead of nearly all similar lenders, savings institutions making between half and twice as many loans in 2025; the typical one bought none. Its buying comes and goes: it bought 1 loan in 2024 and 357 in 2020. Bought loans may add to its holdings without new applications, so the loans it made may understate its part in mortgage lending.
It made 88 loans, the same as in 2024, while similar lenders grew 5% and the whole market 10%. That leaves its change near the middle of similar lenders. It made 316 loans in both 2020 and 2021, and 95 in 2023.
Home purchases made up 73.9% of its loans and refinances 23.9%. All were conventional, with no government backing. Its typical loan, $245,000, matched that of similar lenders.
In Sandusky, where it has lent since 1993, its share rose from 1.2% to 1.4%, ranking 16 of 230 lenders; Civista Bank leads. In Cleveland, its market since 1990, it ranks 98 of 577 with 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings and Loan Association of Lorain took 111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.9% · Refinance 23.9% · Home improvement 2.3%
Conventional 100.0% · of 88 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 87 | 98.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 51 |
| Sandusky | 27 |
| Columbus | 1 |
| Youngstown-Warren | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006GPVUJZWTAR765 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 144678 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44171 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704171 | 2011–2017 |
Established 1 January 1921. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings and Loan Association of Lorain's data.
First Federal Savings and Loan Association of Lorain's data
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First Federal Savings and Loan Association of Lorain and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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