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Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 6.625%  6.752%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 6.500%  6.666%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 6.375%  6.582%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 6.375%  6.666%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 6.750%  7.467%  0.000%
7/1 Year Adjustable Rate
 Rate  APR  Points
 6.875%  7.528%  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.


If you recently had your credit pulled for a mortgage application, you may receive unsolicited e-mails, phone calls, and text messages from other lenders attempting to sell you a mortgage product.  First Federal Savings of Lorain does not sell your information to these institutions.

Why You May Receive Unsolicited Offers

When you apply for a mortgage or credit card, we pull your credit history, credit score and other information from credit reporting companies (TransUnion, Experian, and Equifax).  We use this information as part of our decision-making process when extending credit to you.  We also use this information as part of our process to help protect your identity by confirming additional information on these reports and checking for various red flags.

When we pull your credit history, the credit bureaus record the date along with the reason why we pulled your information, such as for a mortgage loan.  With this information, along with your contact information, the credit bureaus sell your information as a sales lead to other lenders who are willing to pay for it.
The credit bureaus believe that by selling your information to other companies as a sales lead, you, the consumer, benefit from learning about other products and services from different lending institutions.  However, you may feel inundated with the barrage of unsolicited phone calls, text messages and e-mails.

What You Can Do to Stop Unsolicited Communications
If you wish, you can opt out of your information being sold as a “trigger lead” without hurting your credit.
Phone Number: 1-888-5-OPT-OUT (1-888-567-8688)
You may choose to opt out of the prescreen for either five (5) years or permanently.
If you don’t wish to opt out, but want to stop the phone calls, you may add your number to the National Do Not Call Registry that helps to block telemarketers from contacting you.  Your phone number is added immediately to the list; however, it could take up to 31 days for sales calls to stop.
Phone Number: 1-888-382-1222

Should you have any additional questions or concerns, please feel free to contact your Loan Originator