First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2025
In 2025, First Federal S&L of Lakewood of Lakewood, OH reported 1,831 mortgage applications totaling $498.8 million, down 10% from 2024. The average application was for $272,433, and applicants reported an average income of $187,849. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cleveland, OH (1,190), Akron, OH (144) and Cincinnati, OH-KY-IN (140) (applications in parentheses).
| Mortgage Company & Address | First Federal S&L of Lakewood 14806 Detroit Ave Lakewood, OH 44107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,831 |
| Total Mortgage Loan Application Amount | $498,825,000 |
| Average Mortgage Loan Application Amount | $272,433 |
| Highest Mortgage Loan Application Amount | $3,395,000 |
| Average Applicant Income | $187,849 |
| Highest Applicant Income | $9,290,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,072 | $349,120,000 | $325,000 | $3,395,000 | $187,000 | $3,076,000 |
| Other Purpose | 269 | $38,905,000 | $144,000 | $655,000 | $171,000 | $990,000 |
| Cash-out Refinancing | 189 | $48,115,000 | $254,000 | $2,325,000 | $197,000 | $1,707,000 |
| Home Improvement | 175 | $20,155,000 | $115,000 | $805,000 | $214,000 | $9,290,000 |
| Refinancing | 126 | $42,530,000 | $337,000 | $1,725,000 | $181,000 | $865,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,234 | $335,170,000 | $271,000 | $1,805,000 | $187,000 | $9,290,000 |
| Not Provided | 268 | $56,980,000 | $212,000 | $1,085,000 | $178,000 | $794,000 |
| Not applicable | 197 | $64,165,000 | $325,000 | $3,395,000 | $0 | $0 |
| Asian | 52 | $21,020,000 | $404,000 | $1,805,000 | $321,000 | $1,340,000 |
| Hispanic | 45 | $11,125,000 | $247,000 | $585,000 | $163,000 | $762,000 |
| Black or African American | 31 | $9,525,000 | $307,000 | $1,705,000 | $139,000 | $443,000 |
| American Indian or Alaskan Native | 4 | $840,000 | $210,000 | $285,000 | $120,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,763 | $482,955,000 | $273,000 | $3,395,000 | $191,000 | $9,290,000 |
| FHA-insured (Federal Housing Administration) | 51 | $11,285,000 | $221,000 | $445,000 | $81,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,355,000 | $290,000 | $505,000 | $108,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $230,000 | $115,000 | $125,000 | $51,000 | $56,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,189 | $336,805,000 | $283,000 | $3,395,000 | $186,000 | $3,076,000 |
| Application Withdrawn By Applicant | 268 | $79,460,000 | $296,000 | $1,255,000 | $196,000 | $1,580,000 |
| Application Denied By Financial Institution | 172 | $28,260,000 | $164,000 | $1,705,000 | $185,000 | $9,290,000 |
| Loan Purchased By The Institution | 165 | $45,125,000 | $273,000 | $1,725,000 | $0 | $0 |
| File Closed For Incompleteness | 25 | $6,665,000 | $266,000 | $1,475,000 | $186,000 | $475,000 |
| Application Approved But Not Accepted | 12 | $2,510,000 | $209,000 | $555,000 | $207,000 | $462,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,659 | $470,565,000 | $283,000 | $3,395,000 | $188,000 | $3,076,000 |
| Debt-To-Income Ratio | 58 | $9,810,000 | $169,000 | $645,000 | $98,000 | $685,000 |
| Credit History | 43 | $4,195,000 | $97,000 | $455,000 | $127,000 | $990,000 |
| Collateral | 24 | $5,000,000 | $208,000 | $1,705,000 | $155,000 | $443,000 |
| Credit Application Incomplete | 22 | $3,250,000 | $147,000 | $505,000 | $607,000 | $9,290,000 |
| Other | 19 | $3,715,000 | $195,000 | $545,000 | $158,000 | $570,000 |
| Unverifiable Information | 4 | $1,790,000 | $447,000 | $685,000 | $69,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $355,000 | $94,000 | $139,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Federal S&L of Lakewood's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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