First Federal Savings And Loan Association Of Lakewood
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First Federal Savings And Loan Association Of Lakewood 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Federal Savings And Loan Association Of Lakewood 14806 Detroit Ave Lakewood, OH 44107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 5,623 |
| Total Mortgage Loan Application Amount | $1,017,069,000 |
| Average Mortgage Loan Application Amount | $180,500 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $118,000 |
| Highest Applicant Income | $3,269,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First Federal Savings And Loan Association Of Lakewood. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Federal Savings And Loan Association Of Lakewood's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First Federal Savings And Loan Association Of Lakewood's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Federal Savings And Loan Association Of Lakewood serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Savings And Loan Association Of Lakewood, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Federal Savings And Loan Association Of Lakewood's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cuyahoga County Ohio | 1,996 | $ 320,295,000 | $ 160,000 | $ 118,000 |
| Summit County Ohio | 568 | $ 98,011,000 | $ 172,000 | $ 107,000 |
| Franklin County Ohio | 565 | $ 108,377,000 | $ 191,000 | $ 119,000 |
| Lorain County Ohio | 542 | $ 93,450,000 | $ 172,000 | $ 98,000 |
| Delaware County Ohio | 382 | $ 112,955,000 | $ 295,000 | $ 180,000 |
| Medina County Ohio | 270 | $ 51,337,000 | $ 190,000 | $ 105,000 |
| Lake County Ohio | 224 | $ 43,778,000 | $ 195,000 | $ 99,000 |
| Lucas County Ohio | 170 | $ 20,869,000 | $ 122,000 | $ 72,000 |
| Stark County Ohio | 138 | $ 16,977,000 | $ 123,000 | $ 77,000 |
| Geauga County Ohio | 99 | $ 25,449,000 | $ 257,000 | $ 142,000 |
| Wayne County Ohio | 68 | $ 8,639,000 | $ 127,000 | $ 61,000 |
| Union County Ohio | 67 | $ 21,809,000 | $ 325,000 | $ 179,000 |
| Portage County Ohio | 64 | $ 12,898,000 | $ 201,000 | $ 133,000 |
| Wood County Ohio | 55 | $ 8,962,000 | $ 162,000 | $ 90,000 |
| Hancock County Ohio | 43 | $ 5,317,000 | $ 123,000 | $ 67,000 |
| Licking County Ohio | 39 | $ 6,609,000 | $ 169,000 | $ 88,000 |
| Monroe County Michigan | 36 | $ 5,452,000 | $ 151,000 | $ 110,000 |
| Ottawa County Ohio | 32 | $ 5,721,000 | $ 178,000 | $ 146,000 |
| Erie County Ohio | 29 | $ 5,710,000 | $ 196,000 | $ 130,000 |
| Fairfield County Ohio | 29 | $ 5,409,000 | $ 186,000 | $ 116,000 |
| Madison County Ohio | 20 | $ 5,208,000 | $ 260,000 | $ 147,000 |
| Pickaway County Ohio | 14 | $ 2,364,000 | $ 168,000 | $ 88,000 |
| Mahoning County Ohio | 9 | $ 2,324,000 | $ 258,000 | $ 776,000 |
| Huron County Ohio | 8 | $ 836,000 | $ 104,000 | $ 105,000 |
| Fulton County Ohio | 7 | $ 960,000 | $ 137,000 | $ 81,000 |
| Ashtabula County Ohio | 6 | $ 718,000 | $ 119,000 | $ 62,000 |
| Seneca County Ohio | 6 | $ 248,000 | $ 41,000 | $ 70,000 |
| Hamilton County Ohio | 5 | $ 1,105,000 | $ 221,000 | $ 117,000 |
| Knox County Ohio | 5 | $ 1,017,000 | $ 203,000 | $ 162,000 |
| Maricopa County Arizona | 4 | $ 851,000 | $ 212,000 | $ 196,000 |
| Collier County Florida | 4 | $ 1,149,000 | $ 287,000 | $ 369,000 |
| Allen County Ohio | 4 | $ 250,000 | $ 62,000 | $ 232,000 |
| Carroll County Ohio | 4 | $ 342,000 | $ 85,000 | $ 59,000 |
| Ouray County Colorado | 3 | $ 343,000 | $ 114,000 | $ 615,000 |
| Champaign County Ohio | 3 | $ 502,000 | $ 167,000 | $ 75,000 |
| Noble County Ohio | 3 | $ 440,000 | $ 146,000 | $ 121,000 |
| Richland County Ohio | 3 | $ 428,000 | $ 142,000 | $ 103,000 |
| Sandusky County Ohio | 3 | $ 388,000 | $ 129,000 | $ 67,000 |
| Warren County Ohio | 3 | $ 812,000 | $ 270,000 | $ 170,000 |
| Wyandot County Ohio | 3 | $ 297,000 | $ 99,000 | $ 42,000 |
| Allegheny County Pennsylvania | 3 | $ 620,000 | $ 206,000 | $ 115,000 |
| El Paso County Colorado | 2 | $ 464,000 | $ 232,000 | $ 60,000 |
| Lee County Florida | 2 | $ 85,000 | $ 42,000 | $ 59,000 |
| Fulton County Georgia | 2 | $ 489,000 | $ 244,000 | $ 318,000 |
| Hillsdale County Michigan | 2 | $ 250,000 | $ 125,000 | $ 76,000 |
| Oakland County Michigan | 2 | $ 655,000 | $ 327,000 | $ 122,000 |
| Mecklenburg County North Carolina | 2 | $ 301,000 | $ 150,000 | $ 56,000 |
| Ashland County Ohio | 2 | $ 193,000 | $ 96,000 | $ 31,000 |
| Clark County Ohio | 2 | $ 715,000 | $ 357,000 | $ 159,000 |
| Fayette County Ohio | 2 | $ 166,000 | $ 83,000 | $ 34,000 |
| Hocking County Ohio | 2 | $ 199,000 | $ 99,000 | $ 44,000 |
| Holmes County Ohio | 2 | $ 179,000 | $ 89,000 | $ 27,000 |
| Marion County Ohio | 2 | $ 260,000 | $ 130,000 | $ 51,000 |
| Montgomery County Ohio | 2 | $ 280,000 | $ 140,000 | $ 99,000 |
| Morrow County Ohio | 2 | $ 282,000 | $ 141,000 | $ 72,000 |
| Muskingum County Ohio | 2 | $ 473,000 | $ 236,000 | $ 567,000 |
| Perry County Ohio | 2 | $ 437,000 | $ 218,000 | $ 184,000 |
| Ross County Ohio | 2 | $ 297,000 | $ 148,000 | $ 67,000 |
| Horry County South Carolina | 2 | $ 240,000 | $ 120,000 | $ 82,000 |
| Rutherford County Tennessee | 2 | $ 389,000 | $ 194,000 | $ 61,000 |
| Tarrant County Texas | 2 | $ 528,000 | $ 264,000 | $ 154,000 |
| Jefferson County Alabama | 1 | $ 168,000 | $ 168,000 | $ 270,000 |
| Arapahoe County Colorado | 1 | $ 615,000 | $ 615,000 | $ 680,000 |
| Douglas County Colorado | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Grand County Colorado | 1 | $ 129,000 | $ 129,000 | $ 250,000 |
| Charlotte County Florida | 1 | $ 296,000 | $ 296,000 | $ 200,000 |
| Duval County Florida | 1 | $ 48,000 | $ 48,000 | $ 60,000 |
| Hillsborough County Florida | 1 | $ 258,000 | $ 258,000 | $ 133,000 |
| Palm Beach County Florida | 1 | $ 385,000 | $ 385,000 | $ 206,000 |
| Pasco County Florida | 1 | $ 124,000 | $ 124,000 | $ 165,000 |
| Pinellas County Florida | 1 | $ 300,000 | $ 300,000 | $ 179,000 |
| Cherokee County Georgia | 1 | $ 119,000 | $ 119,000 | $ 85,000 |
| Cobb County Georgia | 1 | $ 109,000 | $ 109,000 | $ 74,000 |
| Douglas County Georgia | 1 | $ 300,000 | $ 300,000 | $ 138,000 |
| Union County Georgia | 1 | $ 349,000 | $ 349,000 | $ 194,000 |
| Will County Illinois | 1 | $ 290,000 | $ 290,000 | $ 215,000 |
| Allegany County Maryland | 1 | $ 63,000 | $ 63,000 | $ 146,000 |
| Baltimore City County Maryland | 1 | $ 399,000 | $ 399,000 | $ 215,000 |
| Alpena County Michigan | 1 | $ 34,000 | $ 34,000 | $ 115,000 |
| Branch County Michigan | 1 | $ 271,000 | $ 271,000 | $ 83,000 |
| Jackson County Michigan | 1 | $ 147,000 | $ 147,000 | $ 77,000 |
| Lenawee County Michigan | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Roscommon County Michigan | 1 | $ 36,000 | $ 36,000 | $ 120,000 |
| Wayne County Michigan | 1 | $ 352,000 | $ 352,000 | $ 191,000 |
| Albany County New York | 1 | $ 182,000 | $ 182,000 | $ 136,000 |
| Cattaraugus County New York | 1 | $ 208,000 | $ 208,000 | $ 360,000 |
| Kings County New York | 1 | $ 397,000 | $ 397,000 | $ 108,000 |
| Rensselaer County New York | 1 | $ 233,000 | $ 233,000 | $ 270,000 |
| Orange County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 220,000 |
| Butler County Ohio | 1 | $ 151,000 | $ 151,000 | $ 114,000 |
| Clinton County Ohio | 1 | $ 182,000 | $ 182,000 | $ 93,000 |
| Greene County Ohio | 1 | $ 295,000 | $ 295,000 | $ 157,000 |
| Hardin County Ohio | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Logan County Ohio | 1 | $ 216,000 | $ 216,000 | $ 138,000 |
| Miami County Ohio | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Monroe County Ohio | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Morgan County Ohio | 1 | $ 103,000 | $ 103,000 | $ 118,000 |
| Trumbull County Ohio | 1 | $ 366,000 | $ 366,000 | $ 97,000 |
| Tuscarawas County Ohio | 1 | $ 223,000 | $ 223,000 | $ 129,000 |
| Fayette County Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Westmoreland County Pennsylvania | 1 | $ 373,000 | $ 373,000 | $ 151,000 |
| Beaufort County South Carolina | 1 | $ 406,000 | $ 406,000 | $ 346,000 |
| York County South Carolina | 1 | $ 337,000 | $ 337,000 | $ 79,000 |
| Montgomery County Tennessee | 1 | $ 191,000 | $ 191,000 | $ 66,000 |
| Arlington County Virginia | 1 | $ 481,000 | $ 481,000 | $ 168,000 |
| Franklin County Virginia | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Prince William County Virginia | 1 | $ 262,000 | $ 262,000 | $ 84,000 |
| King County Washington | 1 | $ 336,000 | $ 336,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for First Federal Savings And Loan Association Of Lakewood in 2012
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 | 3,219 | $577,557,000 | $179,000 | $2,930,000 | $110,000 | $3,269,000 |
| Refinancing | 2,404 | $439,512,000 | $182,000 | $4,500,000 | $126,000 | $1,560,000 |
| Home Improvement | 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 | 4,218 | $722,396,000 | $171,000 | $1,100,000 | $111,000 | $3,269,000 |
| Not Provided | 1,127 | $232,882,000 | $206,000 | $1,680,000 | $141,000 | $1,560,000 |
| Asian | 99 | $21,019,000 | $212,000 | $760,000 | $128,000 | $689,000 |
| Black or African American | 95 | $13,127,000 | $138,000 | $624,000 | $109,000 | $2,225,000 |
| Hispanic | 61 | $7,787,000 | $127,000 | $417,000 | $103,000 | $601,000 |
| Not applicable | 10 | $16,450,000 | $1,645,000 | $4,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,401,000 | $200,000 | $450,000 | $85,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,007,000 | $334,000 | $932,000 | $121,000 | $315,000 |
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) | 4,694 | $902,403,000 | $192,000 | $4,500,000 | $129,000 | $3,269,000 |
| FHA-insured (Federal Housing Administration) | 784 | $91,188,000 | $116,000 | $347,000 | $53,000 | $331,000 |
| VA-guaranteed (Veterans Administration) | 109 | $19,360,000 | $177,000 | $1,022,000 | $79,000 | $217,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,118,000 | $114,000 | $189,000 | $48,000 | $86,000 |
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 | 5,025 | $905,655,000 | $180,000 | $2,930,000 | $118,000 | $3,269,000 |
| Application Denied By Financial Institution | 231 | $43,045,000 | $186,000 | $1,680,000 | $101,000 | $999,000 |
| Application Withdrawn By Applicant | 179 | $36,491,000 | $203,000 | $4,500,000 | $121,000 | $1,560,000 |
| Application Approved But Not Accepted | 178 | $29,285,000 | $164,000 | $830,000 | $102,000 | $900,000 |
| File Closed For Incompleteness | 10 | $2,593,000 | $259,000 | $532,000 | $159,000 | $325,000 |
| 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 | 96 | $18,450,000 | $192,000 | $1,095,000 | $119,000 | $717,000 |
| Debt-To-Income Ratio | 58 | $10,958,000 | $188,000 | $1,680,000 | $80,000 | $999,000 |
| Credit History | 30 | $4,107,000 | $136,000 | $359,000 | $67,000 | $186,000 |
| Other | 27 | $5,106,000 | $189,000 | $615,000 | $113,000 | $680,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,743,000 | $249,000 | $870,000 | $124,000 | $487,000 |
| Mortgage Insurance Denied | 7 | $1,209,000 | $172,000 | $408,000 | $97,000 | $192,000 |
| Employment History | 3 | $331,000 | $110,000 | $177,000 | $30,000 | $42,000 |
| Unverifiable Information | 2 | $732,000 | $366,000 | $415,000 | $160,000 | $177,000 |
| Credit Application Incomplete | 1 | $409,000 | $409,000 | $409,000 | $210,000 | $210,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings And Loan Association Of Lakewood's 2012 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 Savings And Loan Association 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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