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Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.945%  1.000%
 3.530%  3.639%  0.000%
25 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.975%  1.000%
 3.875%  4.004%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.642%  1.000%
 3.500%  3.653%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.000%  3.341%  1.000%
 3.125%  3.320%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 2.875%  3.369%  1.000%
 3.000%  3.282%  0.000%
3/1 Year Adjustable Rate
 Rate  APR  Points
 3.000%  4.453%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 3.125%  4.428%  0.000%
7/1 Year Adjustable Rate
 Rate  APR  Points
 3.625%  4.580%  0.000%

Personalized Quote

Melanie Stock

Loan Originator

NMLS Registry Number: 1667029

3721 Oberlin Ave.
Lorain, Oh 44053

Office: 440 282-6177

Fax: 440 282-6164


Helping a first time home buyer achieve their dream of home ownership, improving someone’s financial health, to all of the amazing people I have the pleasure of meeting along the way, these are just a few of the things I love about being a part of the mortgage industry.  I could not imagine doing anything else!

I take pride in turning what some might consider a stressful time into an exciting and knowledge filled experience. I do this by making sure that I’m aware of my client’s goals, I educate them on all of their options and I make sure that they understand and are comfortable with every aspect throughout this process. My clients are never disappointed with the strong communication and transparency that I offer them.

In my free time, I enjoy spending time with my family, shopping, traveling, and experiencing new things. My favorite trip I’ve been on so far is to Costa Rica; it’s beautiful! I also have a fur baby named Frankie.


Applying online is as easy as 1-2-3.

You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed, and in the case of preapprovals, submitted for instant online approval.
  3. A First Federal Savings of Lorain loan originator will follow up to answer your questions.

At First Federal Savings of Lorain, our goal is to provide the highest level of service at competitive rates. Our loan originators are only a phone call away if you need help. Contact Melanie at 440 282-6177.