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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cuyahoga, Ohio | 765 | $ 196,125,000 | $ 256,372 | $ 184,000 |
| Lorain, Ohio | 157 | $ 37,865,000 | $ 241,178 | $ 190,000 |
| Summit, Ohio | 116 | $ 31,620,000 | $ 272,586 | $ 183,000 |
| Lake, Ohio | 110 | $ 28,200,000 | $ 256,363 | $ 142,000 |
| Medina, Ohio | 99 | $ 31,445,000 | $ 317,626 | $ 176,000 |
| Hamilton, Ohio | 83 | $ 27,065,000 | $ 326,084 | $ 191,000 |
| Franklin, Ohio | 69 | $ 25,305,000 | $ 366,739 | $ 244,000 |
| Geauga, Ohio | 51 | $ 17,545,000 | $ 344,019 | $ 222,000 |
| Delaware, Ohio | 33 | $ 11,865,000 | $ 359,545 | $ 312,000 |
| Lucas, Ohio | 30 | $ 4,700,000 | $ 156,666 | $ 154,000 |
| Portage, Ohio | 28 | $ 8,740,000 | $ 312,142 | $ 258,000 |
| Butler, Ohio | 23 | $ 3,885,000 | $ 168,913 | $ 0 |
| Licking, Ohio | 16 | $ 4,240,000 | $ 265,000 | $ 189,000 |
| Clermont, Ohio | 15 | $ 3,485,000 | $ 232,333 | $ 77,000 |
| Stark, Ohio | 14 | $ 4,360,000 | $ 311,428 | $ 140,000 |
| Wood, Ohio | 14 | $ 4,050,000 | $ 289,285 | $ 158,000 |
| Erie, Ohio | 12 | $ 2,850,000 | $ 237,500 | $ 212,000 |
| Montgomery, Ohio | 10 | $ 1,450,000 | $ 145,000 | $ 72,000 |
| Ashtabula, Ohio | 8 | $ 1,980,000 | $ 247,500 | $ 215,000 |
| Fairfield, Ohio | 8 | $ 3,190,000 | $ 398,750 | $ 216,000 |
| Tuscarawas, Ohio | 8 | $ 1,360,000 | $ 170,000 | $ 120,000 |
| Wayne, Ohio | 8 | $ 1,360,000 | $ 170,000 | $ 93,000 |
| Kenton, Kentucky | 7 | $ 1,945,000 | $ 277,857 | $ 254,000 |
| Forsyth, North Carolina | 6 | $ 2,070,000 | $ 345,000 | $ 180,000 |
| Warren, Ohio | 6 | $ 2,090,000 | $ 348,333 | $ 323,000 |
| Cook, Illinois | 5 | $ 2,525,000 | $ 505,000 | $ 195,000 |
| Ottawa, Ohio | 5 | $ 1,465,000 | $ 293,000 | $ 154,000 |
| Pickaway, Ohio | 5 | $ 925,000 | $ 185,000 | $ 54,000 |
| Trumbull, Ohio | 5 | $ 1,165,000 | $ 233,000 | $ 201,000 |
| Charleston, South Carolina | 4 | $ 1,890,000 | $ 472,500 | $ 241,000 |
| Dearborn, Indiana | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Hancock, Ohio | 3 | $ 735,000 | $ 245,000 | $ 174,000 |
| Huron, Ohio | 3 | $ 385,000 | $ 128,333 | $ 111,000 |
| Knox, Ohio | 3 | $ 995,000 | $ 331,666 | $ 198,000 |
| Muskingum, Ohio | 3 | $ 975,000 | $ 325,000 | $ 109,000 |
| Union, Ohio | 3 | $ 605,000 | $ 201,666 | $ 164,000 |
| Anderson, South Carolina | 3 | $ 445,000 | $ 148,333 | $ 69,000 |
| Jefferson, Alabama | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Lee, Florida | 2 | $ 520,000 | $ 260,000 | $ 366,000 |
| Adams, Illinois | 2 | $ 1,180,000 | $ 590,000 | $ 363,000 |
| Marion, Indiana | 2 | $ 330,000 | $ 165,000 | $ 116,000 |
| Bourbon, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Campbell, Kentucky | 2 | $ 650,000 | $ 325,000 | $ 340,000 |
| Jefferson, Kentucky | 2 | $ 2,250,000 | $ 1,125,000 | $ 441,000 |
| Nicholas, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Monroe, Michigan | 2 | $ 310,000 | $ 155,000 | $ 129,000 |
| Wayne, Michigan | 2 | $ 160,000 | $ 80,000 | $ 157,000 |
| Guilford, North Carolina | 2 | $ 360,000 | $ 180,000 | $ 144,000 |
| Fulton, Ohio | 2 | $ 340,000 | $ 170,000 | $ 421,000 |
| Greene, Ohio | 2 | $ 750,000 | $ 375,000 | $ 632,000 |
| Mahoning, Ohio | 2 | $ 580,000 | $ 290,000 | $ 157,000 |
| Horry, South Carolina | 2 | $ 710,000 | $ 355,000 | $ 262,000 |
| Davidson, Tennessee | 2 | $ 670,000 | $ 335,000 | $ 160,000 |
| Pulaski, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Denver, Colorado | 1 | $ 575,000 | $ 575,000 | $ 226,000 |
| New Castle, Delaware | 1 | $ 515,000 | $ 515,000 | $ 390,000 |
| Brevard, Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Broward, Florida | 1 | $ 705,000 | $ 705,000 | $ 590,000 |
| Charlotte, Florida | 1 | $ 255,000 | $ 255,000 | $ 79,000 |
| Collier, Florida | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Escambia, Florida | 1 | $ 375,000 | $ 375,000 | $ 183,000 |
| Pasco, Florida | 1 | $ 245,000 | $ 245,000 | $ 151,000 |
| Pinellas, Florida | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| McLean, Illinois | 1 | $ 445,000 | $ 445,000 | $ 600,000 |
| Allen, Indiana | 1 | $ 325,000 | $ 325,000 | $ 131,000 |
| Hendricks, Indiana | 1 | $ 595,000 | $ 595,000 | $ 172,000 |
| Shelby, Indiana | 1 | $ 555,000 | $ 555,000 | $ 0 |
| St. Joseph, Indiana | 1 | $ 285,000 | $ 285,000 | $ 138,000 |
| Tippecanoe, Indiana | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Barren, Kentucky | 1 | $ 355,000 | $ 355,000 | $ 194,000 |
| Boone, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Boyd, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Edmonson, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 271,000 |
| Fayette, Kentucky | 1 | $ 825,000 | $ 825,000 | $ 400,000 |
| Harrison, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Wolfe, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Washington, Maryland | 1 | $ 425,000 | $ 425,000 | $ 167,000 |
| Hillsdale, Michigan | 1 | $ 245,000 | $ 245,000 | $ 368,000 |
| Ingham, Michigan | 1 | $ 185,000 | $ 185,000 | $ 247,000 |
| Jackson, Michigan | 1 | $ 395,000 | $ 395,000 | $ 130,000 |
| Lenawee, Michigan | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Missaukee, Michigan | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Boone, Missouri | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Brunswick, North Carolina | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
| Davidson, North Carolina | 1 | $ 455,000 | $ 455,000 | $ 331,000 |
| Rockingham, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 181,000 |
| Stokes, North Carolina | 1 | $ 715,000 | $ 715,000 | $ 255,000 |
| Yadkin, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Athens, Ohio | 1 | $ 205,000 | $ 205,000 | $ 231,000 |
| Carroll, Ohio | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Crawford, Ohio | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Gallia, Ohio | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Henry, Ohio | 1 | $ 85,000 | $ 85,000 | $ 248,000 |
| Lawrence, Ohio | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Miami, Ohio | 1 | $ 175,000 | $ 175,000 | $ 340,000 |
| Richland, Ohio | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Seneca, Ohio | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Williams, Ohio | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wyandot, Ohio | 1 | $ 35,000 | $ 35,000 | $ 111,000 |
| Yamhill, Oregon | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Beaver, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 170,000 |
| Northampton, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 167,000 |
| Cherokee, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Knox, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 62,000 |
| Shelby, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wood, West Virginia | 1 | $ 225,000 | $ 225,000 | $ 0 |
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.
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