First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2011
In 2011, First Federal S&L of Lakewood of Lakewood, OH reported 3,095 mortgage applications totaling $584.7 million. The average application was for $188,929, and applicants reported an average income of $119,774. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (1,744), Columbus, OH (725) and Toledo, OH (198) (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 | 3,095 |
| Total Mortgage Loan Application Amount | $584,737,000 |
| Average Mortgage Loan Application Amount | $188,929 |
| Highest Mortgage Loan Application Amount | $6,619,000 |
| Average Applicant Income | $119,774 |
| Highest Applicant Income | $4,800,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,130 | $ 208,552,000 | $ 184,559 | $ 129,000 |
| Franklin, Ohio | 389 | $ 71,452,000 | $ 183,681 | $ 113,000 |
| Delaware, Ohio | 239 | $ 66,844,000 | $ 279,682 | $ 151,000 |
| Lorain, Ohio | 230 | $ 40,585,000 | $ 176,456 | $ 102,000 |
| Lake, Ohio | 198 | $ 31,239,000 | $ 157,772 | $ 85,000 |
| Summit, Ohio | 165 | $ 30,736,000 | $ 186,278 | $ 109,000 |
| Lucas, Ohio | 133 | $ 15,997,000 | $ 120,278 | $ 69,000 |
| Medina, Ohio | 102 | $ 20,421,000 | $ 200,205 | $ 100,000 |
| Geauga, Ohio | 84 | $ 21,152,000 | $ 251,809 | $ 168,000 |
| Wood, Ohio | 45 | $ 6,803,000 | $ 151,177 | $ 78,000 |
| Stark, Ohio | 38 | $ 4,784,000 | $ 125,894 | $ 80,000 |
| Hancock, Ohio | 31 | $ 3,780,000 | $ 121,935 | $ 70,000 |
| Licking, Ohio | 28 | $ 4,896,000 | $ 174,857 | $ 124,000 |
| Portage, Ohio | 28 | $ 9,203,000 | $ 328,678 | $ 261,000 |
| Union, Ohio | 26 | $ 8,052,000 | $ 309,692 | $ 142,000 |
| Wayne, Ohio | 21 | $ 2,832,000 | $ 134,857 | $ 173,000 |
| Fairfield, Ohio | 20 | $ 3,691,000 | $ 184,550 | $ 92,000 |
| Ottawa, Ohio | 19 | $ 2,963,000 | $ 155,947 | $ 102,000 |
| Ashtabula, Ohio | 16 | $ 2,068,000 | $ 129,250 | $ 71,000 |
| Erie, Ohio | 16 | $ 2,999,000 | $ 187,437 | $ 205,000 |
| Monroe, Michigan | 13 | $ 2,029,000 | $ 156,076 | $ 72,000 |
| Madison, Ohio | 9 | $ 2,366,000 | $ 262,888 | $ 162,000 |
| Pickaway, Ohio | 9 | $ 1,267,000 | $ 140,777 | $ 142,000 |
| Seneca, Ohio | 8 | $ 657,000 | $ 82,125 | $ 41,000 |
| Sandusky, Ohio | 7 | $ 972,000 | $ 138,857 | $ 64,000 |
| Morrow, Ohio | 5 | $ 1,081,000 | $ 216,200 | $ 122,000 |
| Wyandot, Ohio | 5 | $ 533,000 | $ 106,600 | $ 51,000 |
| Huron, Ohio | 4 | $ 762,000 | $ 190,500 | $ 73,000 |
| Knox, Ohio | 4 | $ 467,000 | $ 116,750 | $ 92,000 |
| Muskingum, Ohio | 4 | $ 425,000 | $ 106,250 | $ 139,000 |
| Carroll, Ohio | 3 | $ 574,000 | $ 191,333 | $ 139,000 |
| Hamilton, Ohio | 3 | $ 764,000 | $ 254,666 | $ 188,000 |
| Holmes, Ohio | 3 | $ 428,000 | $ 142,666 | $ 95,000 |
| Tuscarawas, Ohio | 3 | $ 282,000 | $ 94,000 | $ 104,000 |
| Boulder, Colorado | 2 | $ 1,138,000 | $ 569,000 | $ 187,000 |
| Collier, Florida | 2 | $ 404,000 | $ 202,000 | $ 450,000 |
| Lee, Florida | 2 | $ 390,000 | $ 195,000 | $ 134,000 |
| Fulton, Georgia | 2 | $ 748,000 | $ 374,000 | $ 169,000 |
| Cook, Illinois | 2 | $ 770,000 | $ 385,000 | $ 235,000 |
| Chautauqua, New York | 2 | $ 512,000 | $ 256,000 | $ 741,000 |
| Butler, Ohio | 2 | $ 300,000 | $ 150,000 | $ 104,000 |
| Clark, Ohio | 2 | $ 161,000 | $ 80,500 | $ 44,000 |
| Mahoning, Ohio | 2 | $ 236,000 | $ 118,000 | $ 43,000 |
| Trumbull, Ohio | 2 | $ 201,000 | $ 100,500 | $ 66,000 |
| Houston, Alabama | 1 | $ 136,000 | $ 136,000 | $ 54,000 |
| Tuscaloosa, Alabama | 1 | $ 406,000 | $ 406,000 | $ 255,000 |
| Maricopa, Arizona | 1 | $ 410,000 | $ 410,000 | $ 315,000 |
| Bay, Florida | 1 | $ 172,000 | $ 172,000 | $ 172,000 |
| Palm Beach, Florida | 1 | $ 257,000 | $ 257,000 | $ 164,000 |
| Pasco, Florida | 1 | $ 235,000 | $ 235,000 | $ 168,000 |
| Polk, Florida | 1 | $ 120,000 | $ 120,000 | $ 126,000 |
| Gwinnett, Georgia | 1 | $ 142,000 | $ 142,000 | $ 80,000 |
| Leelanau, Michigan | 1 | $ 187,000 | $ 187,000 | $ 113,000 |
| New Hanover, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Orange, North Carolina | 1 | $ 219,000 | $ 219,000 | $ 195,000 |
| Pitt, North Carolina | 1 | $ 248,000 | $ 248,000 | $ 115,000 |
| Wake, North Carolina | 1 | $ 192,000 | $ 192,000 | $ 87,000 |
| Allen, Ohio | 1 | $ 108,000 | $ 108,000 | $ 50,000 |
| Ashland, Ohio | 1 | $ 16,000 | $ 16,000 | $ 74,000 |
| Fulton, Ohio | 1 | $ 158,000 | $ 158,000 | $ 109,000 |
| Greene, Ohio | 1 | $ 296,000 | $ 296,000 | $ 189,000 |
| Guernsey, Ohio | 1 | $ 116,000 | $ 116,000 | $ 85,000 |
| Hardin, Ohio | 1 | $ 169,000 | $ 169,000 | $ 145,000 |
| Harrison, Ohio | 1 | $ 417,000 | $ 417,000 | $ 182,000 |
| Logan, Ohio | 1 | $ 398,000 | $ 398,000 | $ 340,000 |
| Marion, Ohio | 1 | $ 339,000 | $ 339,000 | $ 292,000 |
| Miami, Ohio | 1 | $ 417,000 | $ 417,000 | $ 130,000 |
| Monroe, Ohio | 1 | $ 198,000 | $ 198,000 | $ 145,000 |
| Montgomery, Ohio | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Morgan, Ohio | 1 | $ 103,000 | $ 103,000 | $ 118,000 |
| Perry, Ohio | 1 | $ 303,000 | $ 303,000 | $ 337,000 |
| Richland, Ohio | 1 | $ 200,000 | $ 200,000 | $ 131,000 |
| Warren, Ohio | 1 | $ 216,000 | $ 216,000 | $ 84,000 |
| Williams, Ohio | 1 | $ 69,000 | $ 69,000 | $ 21,000 |
| Allegheny, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 104,000 |
| Philadelphia, Pennsylvania | 1 | $ 393,000 | $ 393,000 | $ 214,000 |
| Berkeley, South Carolina | 1 | $ 240,000 | $ 240,000 | $ 427,000 |
| Greenville, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 191,000 |
| Horry, South Carolina | 1 | $ 140,000 | $ 140,000 | $ 193,000 |
| Oconee, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 124,000 |
| Dickson, Tennessee | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2011
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 | 2,053 | $358,596,000 | $174,000 | $1,950,000 | $104,000 | $1,706,000 |
| Refinancing | 1,041 | $225,341,000 | $216,000 | $6,619,000 | $151,000 | $4,800,000 |
| Home Improvement | 1 | $800,000 | $800,000 | $800,000 | $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 | 2,400 | $429,379,000 | $178,000 | $1,950,000 | $114,000 | $4,800,000 |
| Not Provided | 485 | $113,595,000 | $234,000 | $1,379,000 | $165,000 | $1,950,000 |
| Black or African American | 85 | $10,067,000 | $118,000 | $544,000 | $64,000 | $306,000 |
| Asian | 59 | $13,030,000 | $220,000 | $587,000 | $121,000 | $408,000 |
| Hispanic | 49 | $7,407,000 | $151,000 | $1,024,000 | $96,000 | $698,000 |
| Not applicable | 9 | $10,099,000 | $1,122,000 | $6,619,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $738,000 | $184,000 | $512,000 | $125,000 | $403,000 |
| American Indian or Alaskan Native | 4 | $422,000 | $105,000 | $148,000 | $78,000 | $125,000 |
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) | 2,370 | $495,662,000 | $209,000 | $6,619,000 | $139,000 | $4,800,000 |
| FHA-insured (Federal Housing Administration) | 647 | $78,148,000 | $120,000 | $344,000 | $57,000 | $340,000 |
| VA-guaranteed (Veterans Administration) | 61 | $9,196,000 | $150,000 | $410,000 | $67,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,731,000 | $101,000 | $150,000 | $47,000 | $72,000 |
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 | 2,574 | $485,045,000 | $188,000 | $6,619,000 | $119,000 | $2,386,000 |
| Application Withdrawn By Applicant | 213 | $41,457,000 | $194,000 | $1,379,000 | $123,000 | $1,950,000 |
| Application Denied By Financial Institution | 181 | $33,994,000 | $187,000 | $1,219,000 | $103,000 | $1,181,000 |
| Application Approved But Not Accepted | 88 | $16,404,000 | $186,000 | $736,000 | $132,000 | $1,058,000 |
| File Closed For Incompleteness | 39 | $7,837,000 | $200,000 | $930,000 | $234,000 | $4,800,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 67 | $12,116,000 | $180,000 | $1,000,000 | $111,000 | $300,000 |
| Debt-To-Income Ratio | 45 | $8,967,000 | $199,000 | $1,219,000 | $66,000 | $320,000 |
| Credit History | 31 | $5,446,000 | $175,000 | $600,000 | $90,000 | $423,000 |
| Other | 19 | $3,549,000 | $186,000 | $1,133,000 | $128,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,770,000 | $230,000 | $1,200,000 | $193,000 | $1,181,000 |
| Mortgage Insurance Denied | 3 | $523,000 | $174,000 | $304,000 | $97,000 | $179,000 |
| Employment History | 2 | $212,000 | $106,000 | $173,000 | $60,000 | $80,000 |
| Credit Application Incomplete | 1 | $259,000 | $259,000 | $259,000 | $173,000 | $173,000 |
| Unverifiable Information | 1 | $152,000 | $152,000 | $152,000 | $72,000 | $72,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2011 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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