First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2012
In 2012, First Federal S&L of Lakewood of Lakewood, OH reported 5,623 mortgage applications totaling $1.0 billion, up 82% from 2011. The average application was for $180,876, and applicants reported an average income of $116,840. 89% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (3,131), Columbus, OH (1,118) and Akron, OH (632) (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 | 5,623 |
| Total Mortgage Loan Application Amount | $1,017,069,000 |
| Average Mortgage Loan Application Amount | $180,876 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $116,840 |
| Highest Applicant Income | $3,269,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,996 | $ 320,295,000 | $ 160,468 | $ 118,000 |
| Summit, Ohio | 568 | $ 98,011,000 | $ 172,554 | $ 107,000 |
| Franklin, Ohio | 565 | $ 108,377,000 | $ 191,817 | $ 119,000 |
| Lorain, Ohio | 542 | $ 93,450,000 | $ 172,416 | $ 98,000 |
| Delaware, Ohio | 382 | $ 112,955,000 | $ 295,693 | $ 180,000 |
| Medina, Ohio | 270 | $ 51,337,000 | $ 190,137 | $ 105,000 |
| Lake, Ohio | 224 | $ 43,778,000 | $ 195,437 | $ 99,000 |
| Lucas, Ohio | 170 | $ 20,869,000 | $ 122,758 | $ 72,000 |
| Stark, Ohio | 138 | $ 16,977,000 | $ 123,021 | $ 77,000 |
| Geauga, Ohio | 99 | $ 25,449,000 | $ 257,060 | $ 142,000 |
| Wayne, Ohio | 68 | $ 8,639,000 | $ 127,044 | $ 61,000 |
| Union, Ohio | 67 | $ 21,809,000 | $ 325,507 | $ 179,000 |
| Portage, Ohio | 64 | $ 12,898,000 | $ 201,531 | $ 133,000 |
| Wood, Ohio | 55 | $ 8,962,000 | $ 162,945 | $ 90,000 |
| Hancock, Ohio | 43 | $ 5,317,000 | $ 123,651 | $ 67,000 |
| Licking, Ohio | 39 | $ 6,609,000 | $ 169,461 | $ 88,000 |
| Monroe, Michigan | 36 | $ 5,452,000 | $ 151,444 | $ 110,000 |
| Ottawa, Ohio | 32 | $ 5,721,000 | $ 178,781 | $ 146,000 |
| Erie, Ohio | 29 | $ 5,710,000 | $ 196,896 | $ 130,000 |
| Fairfield, Ohio | 29 | $ 5,409,000 | $ 186,517 | $ 116,000 |
| Madison, Ohio | 20 | $ 5,208,000 | $ 260,400 | $ 147,000 |
| Pickaway, Ohio | 14 | $ 2,364,000 | $ 168,857 | $ 88,000 |
| Mahoning, Ohio | 9 | $ 2,324,000 | $ 258,222 | $ 776,000 |
| Huron, Ohio | 8 | $ 836,000 | $ 104,500 | $ 105,000 |
| Fulton, Ohio | 7 | $ 960,000 | $ 137,142 | $ 81,000 |
| Ashtabula, Ohio | 6 | $ 718,000 | $ 119,666 | $ 62,000 |
| Seneca, Ohio | 6 | $ 248,000 | $ 41,333 | $ 70,000 |
| Hamilton, Ohio | 5 | $ 1,105,000 | $ 221,000 | $ 117,000 |
| Knox, Ohio | 5 | $ 1,017,000 | $ 203,400 | $ 162,000 |
| Maricopa, Arizona | 4 | $ 851,000 | $ 212,750 | $ 196,000 |
| Collier, Florida | 4 | $ 1,149,000 | $ 287,250 | $ 369,000 |
| Allen, Ohio | 4 | $ 250,000 | $ 62,500 | $ 232,000 |
| Carroll, Ohio | 4 | $ 342,000 | $ 85,500 | $ 59,000 |
| Ouray, Colorado | 3 | $ 343,000 | $ 114,333 | $ 615,000 |
| Champaign, Ohio | 3 | $ 502,000 | $ 167,333 | $ 75,000 |
| Noble, Ohio | 3 | $ 440,000 | $ 146,666 | $ 121,000 |
| Richland, Ohio | 3 | $ 428,000 | $ 142,666 | $ 103,000 |
| Sandusky, Ohio | 3 | $ 388,000 | $ 129,333 | $ 67,000 |
| Warren, Ohio | 3 | $ 812,000 | $ 270,666 | $ 170,000 |
| Wyandot, Ohio | 3 | $ 297,000 | $ 99,000 | $ 42,000 |
| Allegheny, Pennsylvania | 3 | $ 620,000 | $ 206,666 | $ 115,000 |
| El Paso, Colorado | 2 | $ 464,000 | $ 232,000 | $ 60,000 |
| Lee, Florida | 2 | $ 85,000 | $ 42,500 | $ 59,000 |
| Fulton, Georgia | 2 | $ 489,000 | $ 244,500 | $ 318,000 |
| Hillsdale, Michigan | 2 | $ 250,000 | $ 125,000 | $ 76,000 |
| Oakland, Michigan | 2 | $ 655,000 | $ 327,500 | $ 122,000 |
| Mecklenburg, North Carolina | 2 | $ 301,000 | $ 150,500 | $ 56,000 |
| Ashland, Ohio | 2 | $ 193,000 | $ 96,500 | $ 31,000 |
| Clark, Ohio | 2 | $ 715,000 | $ 357,500 | $ 159,000 |
| Fayette, Ohio | 2 | $ 166,000 | $ 83,000 | $ 34,000 |
| Hocking, Ohio | 2 | $ 199,000 | $ 99,500 | $ 44,000 |
| Holmes, Ohio | 2 | $ 179,000 | $ 89,500 | $ 27,000 |
| Marion, Ohio | 2 | $ 260,000 | $ 130,000 | $ 51,000 |
| Montgomery, Ohio | 2 | $ 280,000 | $ 140,000 | $ 99,000 |
| Morrow, Ohio | 2 | $ 282,000 | $ 141,000 | $ 72,000 |
| Muskingum, Ohio | 2 | $ 473,000 | $ 236,500 | $ 567,000 |
| Perry, Ohio | 2 | $ 437,000 | $ 218,500 | $ 184,000 |
| Ross, Ohio | 2 | $ 297,000 | $ 148,500 | $ 67,000 |
| Horry, South Carolina | 2 | $ 240,000 | $ 120,000 | $ 82,000 |
| Rutherford, Tennessee | 2 | $ 389,000 | $ 194,500 | $ 61,000 |
| Tarrant, Texas | 2 | $ 528,000 | $ 264,000 | $ 154,000 |
| Jefferson, Alabama | 1 | $ 168,000 | $ 168,000 | $ 270,000 |
| Arapahoe, Colorado | 1 | $ 615,000 | $ 615,000 | $ 680,000 |
| Douglas, Colorado | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Grand, Colorado | 1 | $ 129,000 | $ 129,000 | $ 250,000 |
| Charlotte, Florida | 1 | $ 296,000 | $ 296,000 | $ 200,000 |
| Duval, Florida | 1 | $ 48,000 | $ 48,000 | $ 60,000 |
| Hillsborough, Florida | 1 | $ 258,000 | $ 258,000 | $ 133,000 |
| Palm Beach, Florida | 1 | $ 385,000 | $ 385,000 | $ 206,000 |
| Pasco, Florida | 1 | $ 124,000 | $ 124,000 | $ 165,000 |
| Pinellas, Florida | 1 | $ 300,000 | $ 300,000 | $ 179,000 |
| Cherokee, Georgia | 1 | $ 119,000 | $ 119,000 | $ 85,000 |
| Cobb, Georgia | 1 | $ 109,000 | $ 109,000 | $ 74,000 |
| Douglas, Georgia | 1 | $ 300,000 | $ 300,000 | $ 138,000 |
| Union, Georgia | 1 | $ 349,000 | $ 349,000 | $ 194,000 |
| Will, Illinois | 1 | $ 290,000 | $ 290,000 | $ 215,000 |
| Allegany, Maryland | 1 | $ 63,000 | $ 63,000 | $ 146,000 |
| Baltimore City, Maryland | 1 | $ 399,000 | $ 399,000 | $ 215,000 |
| Alpena, Michigan | 1 | $ 34,000 | $ 34,000 | $ 115,000 |
| Branch, Michigan | 1 | $ 271,000 | $ 271,000 | $ 83,000 |
| Jackson, Michigan | 1 | $ 147,000 | $ 147,000 | $ 77,000 |
| Lenawee, Michigan | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Roscommon, Michigan | 1 | $ 36,000 | $ 36,000 | $ 120,000 |
| Wayne, Michigan | 1 | $ 352,000 | $ 352,000 | $ 191,000 |
| Albany, New York | 1 | $ 182,000 | $ 182,000 | $ 136,000 |
| Cattaraugus, New York | 1 | $ 208,000 | $ 208,000 | $ 360,000 |
| Kings, New York | 1 | $ 397,000 | $ 397,000 | $ 108,000 |
| Rensselaer, New York | 1 | $ 233,000 | $ 233,000 | $ 270,000 |
| Orange, North Carolina | 1 | $ 210,000 | $ 210,000 | $ 220,000 |
| Butler, Ohio | 1 | $ 151,000 | $ 151,000 | $ 114,000 |
| Clinton, Ohio | 1 | $ 182,000 | $ 182,000 | $ 93,000 |
| Greene, Ohio | 1 | $ 295,000 | $ 295,000 | $ 157,000 |
| Hardin, Ohio | 1 | $ 82,000 | $ 82,000 | $ 46,000 |
| Logan, Ohio | 1 | $ 216,000 | $ 216,000 | $ 138,000 |
| Miami, Ohio | 1 | $ 417,000 | $ 417,000 | $ 145,000 |
| Monroe, Ohio | 1 | $ 72,000 | $ 72,000 | $ 81,000 |
| Morgan, Ohio | 1 | $ 103,000 | $ 103,000 | $ 118,000 |
| Trumbull, Ohio | 1 | $ 366,000 | $ 366,000 | $ 97,000 |
| Tuscarawas, Ohio | 1 | $ 223,000 | $ 223,000 | $ 129,000 |
| Fayette, Pennsylvania | 1 | $ 68,000 | $ 68,000 | $ 25,000 |
| Westmoreland, Pennsylvania | 1 | $ 373,000 | $ 373,000 | $ 151,000 |
| Beaufort, South Carolina | 1 | $ 406,000 | $ 406,000 | $ 346,000 |
| York, South Carolina | 1 | $ 337,000 | $ 337,000 | $ 79,000 |
| Montgomery, Tennessee | 1 | $ 191,000 | $ 191,000 | $ 66,000 |
| Arlington, Virginia | 1 | $ 481,000 | $ 481,000 | $ 168,000 |
| Franklin, Virginia | 1 | $ 168,000 | $ 168,000 | $ 110,000 |
| Prince William, Virginia | 1 | $ 262,000 | $ 262,000 | $ 84,000 |
| King, Washington | 1 | $ 336,000 | $ 336,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for First Federal S&L 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 S&L 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 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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