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First Federal Savings and Loan Association of Lakewood

Bank•Lakewood, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from First Federal Savings and Loan Association of Lakewood — 899 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

First Federal Savings and Loan Association of Lakewood performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+23.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume833
Mix92.7%
Spread
+0.248%Above
Fees
$982Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume27
Mix3.0%
Spread
+0.302%Above
Fees
$294Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume31
Mix3.4%
Spread
+0.136%Above
Fees
$857Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume831
Mix92.4%
Spread
+0.231%Above
Fees
$975Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume68
Mix7.6%
Spread
+0.343%Above
Fees
$717Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
899
Applications
1,151
Volume
$286 million
Pricing & Closing
Avg Rate Spread
+0.239%
vs. market APOR
Avg Net Fees
$955
Origination − Credits
Pullthrough Rate
78.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$319,171
Avg Borrower Income
$182,331
Avg Property Value
$402,731

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

12
12 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest3
ILMIOH
South7
DCFLKYNCSCTNVA
West1
NV

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 588Mix 65.41% of portfolio
92/100
Exceptional
2© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 93Mix 10.34% of portfolio
75/100
Strong
3© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 68Mix 7.56% of portfolio
65/100
Strong
4© Chris Rycroft from Madison, Wisconsin, United States · CC BY 2.0
Toledo, OHMetro
Volume 27Mix 3.00% of portfolio
57/100
Sound
5© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 11Mix 1.22% of portfolio
42/100
Sound

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 836Mix 92.99% of portfolio
85/100
Exceptional
Michigan
Michigan
2
MichiganState
Volume 21Mix 2.34% of portfolio
45/100
Sound
North Carolina
North Carolina
3
North CarolinaState
Volume 12Mix 1.33% of portfolio
38/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.