First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2014
In 2014, First Federal S&L of Lakewood of Lakewood, OH reported 5,317 mortgage applications totaling $975.7 million, down 18% from 2013. The average application was for $183,502, and applicants reported an average income of $117,365. 76% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cleveland-Elyria, OH (2,978), Columbus, OH (1,005) and Akron, OH (684) (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 | 5,317 |
| Total Mortgage Loan Application Amount | $975,685,000 |
| Average Mortgage Loan Application Amount | $183,502 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $117,365 |
| Highest Applicant Income | $5,545,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,927 | $ 295,868,000 | $ 153,538 | $ 112,000 |
| Summit, Ohio | 607 | $ 103,215,000 | $ 170,041 | $ 119,000 |
| Lorain, Ohio | 453 | $ 80,630,000 | $ 177,991 | $ 103,000 |
| Franklin, Ohio | 436 | $ 93,033,000 | $ 213,378 | $ 119,000 |
| Delaware, Ohio | 385 | $ 123,734,000 | $ 321,387 | $ 181,000 |
| Medina, Ohio | 267 | $ 46,812,000 | $ 175,325 | $ 89,000 |
| Lake, Ohio | 233 | $ 35,988,000 | $ 154,454 | $ 87,000 |
| Lucas, Ohio | 143 | $ 17,038,000 | $ 119,146 | $ 74,000 |
| Stark, Ohio | 129 | $ 21,169,000 | $ 164,100 | $ 84,000 |
| Geauga, Ohio | 98 | $ 25,037,000 | $ 255,479 | $ 165,000 |
| Union, Ohio | 87 | $ 30,282,000 | $ 348,068 | $ 190,000 |
| Portage, Ohio | 77 | $ 13,211,000 | $ 171,571 | $ 119,000 |
| Hancock, Ohio | 48 | $ 5,419,000 | $ 112,895 | $ 68,000 |
| Fairfield, Ohio | 34 | $ 8,370,000 | $ 246,176 | $ 121,000 |
| Wood, Ohio | 34 | $ 5,019,000 | $ 147,617 | $ 81,000 |
| Licking, Ohio | 31 | $ 8,762,000 | $ 282,645 | $ 145,000 |
| Wayne, Ohio | 31 | $ 4,158,000 | $ 134,129 | $ 54,000 |
| Ottawa, Ohio | 26 | $ 6,389,000 | $ 245,730 | $ 217,000 |
| Erie, Ohio | 20 | $ 2,500,000 | $ 125,000 | $ 99,000 |
| Mahoning, Ohio | 20 | $ 2,237,000 | $ 111,850 | $ 105,000 |
| Trumbull, Ohio | 19 | $ 2,071,000 | $ 109,000 | $ 102,000 |
| Monroe, Michigan | 18 | $ 2,642,000 | $ 146,777 | $ 69,000 |
| Ashtabula, Ohio | 18 | $ 2,680,000 | $ 148,888 | $ 105,000 |
| Madison, Ohio | 16 | $ 4,108,000 | $ 256,750 | $ 142,000 |
| Knox, Ohio | 12 | $ 2,676,000 | $ 223,000 | $ 98,000 |
| Huron, Ohio | 11 | $ 1,386,000 | $ 126,000 | $ 83,000 |
| Pickaway, Ohio | 10 | $ 2,300,000 | $ 230,000 | $ 100,000 |
| Tuscarawas, Ohio | 7 | $ 885,000 | $ 126,428 | $ 67,000 |
| Wyandot, Ohio | 7 | $ 1,001,000 | $ 143,000 | $ 60,000 |
| Ashland, Ohio | 6 | $ 605,000 | $ 100,833 | $ 75,000 |
| Morrow, Ohio | 5 | $ 1,231,000 | $ 246,200 | $ 102,000 |
| Collier, Florida | 4 | $ 1,967,000 | $ 491,750 | $ 609,000 |
| Fulton, Ohio | 4 | $ 494,000 | $ 123,500 | $ 76,000 |
| Hamilton, Ohio | 4 | $ 662,000 | $ 165,500 | $ 102,000 |
| Palm Beach, Florida | 3 | $ 1,424,000 | $ 474,666 | $ 332,000 |
| Cabarrus, North Carolina | 3 | $ 839,000 | $ 279,666 | $ 207,000 |
| Allen, Ohio | 3 | $ 421,000 | $ 140,333 | $ 105,000 |
| Hardin, Ohio | 3 | $ 328,000 | $ 109,333 | $ 45,000 |
| Miami, Ohio | 3 | $ 504,000 | $ 168,000 | $ 200,000 |
| Scioto, Ohio | 3 | $ 1,078,000 | $ 359,333 | $ 258,000 |
| Seneca, Ohio | 3 | $ 533,000 | $ 177,666 | $ 76,000 |
| Tuscaloosa, Alabama | 2 | $ 542,000 | $ 271,000 | $ 78,000 |
| Sarasota, Florida | 2 | $ 443,000 | $ 221,500 | $ 183,000 |
| Lake, Illinois | 2 | $ 525,000 | $ 262,500 | $ 224,000 |
| Carroll, Ohio | 2 | $ 202,000 | $ 101,000 | $ 70,000 |
| Columbiana, Ohio | 2 | $ 462,000 | $ 231,000 | $ 101,000 |
| Fayette, Ohio | 2 | $ 460,000 | $ 230,000 | $ 137,000 |
| Montgomery, Ohio | 2 | $ 810,000 | $ 405,000 | $ 338,000 |
| Sandusky, Ohio | 2 | $ 260,000 | $ 130,000 | $ 80,000 |
| Warren, Ohio | 2 | $ 308,000 | $ 154,000 | $ 49,000 |
| Dallas, Texas | 2 | $ 817,000 | $ 408,500 | $ 181,000 |
| Chesapeake, Virginia | 2 | $ 463,000 | $ 231,500 | $ 131,000 |
| Maricopa, Arizona | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pima, Arizona | 1 | $ 187,000 | $ 187,000 | $ 50,000 |
| Arapahoe, Colorado | 1 | $ 352,000 | $ 352,000 | $ 182,000 |
| Lake, Colorado | 1 | $ 250,000 | $ 250,000 | $ 105,000 |
| Broward, Florida | 1 | $ 139,000 | $ 139,000 | $ 416,000 |
| Charlotte, Florida | 1 | $ 142,000 | $ 142,000 | $ 71,000 |
| Hillsborough, Florida | 1 | $ 183,000 | $ 183,000 | $ 86,000 |
| Orange, Florida | 1 | $ 319,000 | $ 319,000 | $ 100,000 |
| Pinellas, Florida | 1 | $ 287,000 | $ 287,000 | $ 129,000 |
| Volusia, Florida | 1 | $ 188,000 | $ 188,000 | $ 46,000 |
| Houston, Georgia | 1 | $ 60,000 | $ 60,000 | $ 119,000 |
| Richmond, Georgia | 1 | $ 117,000 | $ 117,000 | $ 64,000 |
| Hamilton, Indiana | 1 | $ 149,000 | $ 149,000 | $ 55,000 |
| Montgomery, Maryland | 1 | $ 403,000 | $ 403,000 | $ 152,000 |
| Montcalm, Michigan | 1 | $ 80,000 | $ 80,000 | $ 76,000 |
| Oakland, Michigan | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Wayne, Michigan | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Brunswick, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 94,000 |
| Guilford, North Carolina | 1 | $ 288,000 | $ 288,000 | $ 145,000 |
| Wake, North Carolina | 1 | $ 228,000 | $ 228,000 | $ 128,000 |
| Belmont, Ohio | 1 | $ 312,000 | $ 312,000 | $ 108,000 |
| Butler, Ohio | 1 | $ 161,000 | $ 161,000 | $ 136,000 |
| Champaign, Ohio | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Crawford, Ohio | 1 | $ 60,000 | $ 60,000 | $ 80,000 |
| Guernsey, Ohio | 1 | $ 170,000 | $ 170,000 | $ 77,000 |
| Henry, Ohio | 1 | $ 134,000 | $ 134,000 | $ 96,000 |
| Holmes, Ohio | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Logan, Ohio | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Marion, Ohio | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Muskingum, Ohio | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Perry, Ohio | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Pike, Ohio | 1 | $ 211,000 | $ 211,000 | $ 69,000 |
| Ross, Ohio | 1 | $ 320,000 | $ 320,000 | $ 93,000 |
| Washington, Ohio | 1 | $ 121,000 | $ 121,000 | $ 117,000 |
| Chester, Pennsylvania | 1 | $ 413,000 | $ 413,000 | $ 131,000 |
| Northampton, Pennsylvania | 1 | $ 450,000 | $ 450,000 | $ 260,000 |
| Westmoreland, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Berkeley, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Charleston, South Carolina | 1 | $ 300,000 | $ 300,000 | $ 236,000 |
| Horry, South Carolina | 1 | $ 59,000 | $ 59,000 | $ 71,000 |
| Sullivan, Tennessee | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Bell, Texas | 1 | $ 358,000 | $ 358,000 | $ 162,000 |
| Harris, Texas | 1 | $ 893,000 | $ 893,000 | $ 461,000 |
| Tarrant, Texas | 1 | $ 2,225,000 | $ 2,225,000 | $ 5,545,000 |
| Travis, Texas | 1 | $ 130,000 | $ 130,000 | $ 49,000 |
| Hampton, Virginia | 1 | $ 50,000 | $ 50,000 | $ 86,000 |
| Kanawha, West Virginia | 1 | $ 95,000 | $ 95,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2014
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 | 4,021 | $779,466,000 | $193,000 | $3,000,000 | $114,000 | $3,179,000 |
| Refinancing | 1,154 | $188,684,000 | $163,000 | $2,300,000 | $130,000 | $5,545,000 |
| Home Improvement | 142 | $7,535,000 | $53,000 | $250,000 | $110,000 | $356,000 |
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 | 3,757 | $626,839,000 | $166,000 | $1,655,000 | $110,000 | $3,179,000 |
| Not Provided | 1,260 | $292,359,000 | $232,000 | $2,175,000 | $141,000 | $930,000 |
| Asian | 110 | $24,225,000 | $220,000 | $2,225,000 | $167,000 | $5,545,000 |
| Black or African American | 108 | $12,126,000 | $112,000 | $704,000 | $82,000 | $592,000 |
| Hispanic | 62 | $8,193,000 | $132,000 | $417,000 | $70,000 | $239,000 |
| Not applicable | 15 | $11,473,000 | $764,000 | $3,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $401,000 | $100,000 | $142,000 | $64,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $69,000 | $69,000 | $69,000 | $32,000 | $32,000 |
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) | 4,645 | $890,626,000 | $191,000 | $3,000,000 | $126,000 | $5,545,000 |
| FHA-insured (Federal Housing Administration) | 509 | $59,589,000 | $117,000 | $403,000 | $57,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 115 | $19,882,000 | $172,000 | $415,000 | $76,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $5,588,000 | $116,000 | $220,000 | $42,000 | $88,000 |
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 | 4,015 | $733,649,000 | $182,000 | $2,300,000 | $115,000 | $3,179,000 |
| Application Withdrawn By Applicant | 356 | $57,356,000 | $161,000 | $680,000 | $106,000 | $2,000,000 |
| Application Denied By Financial Institution | 344 | $47,669,000 | $138,000 | $800,000 | $93,000 | $1,919,000 |
| Application Approved But Not Accepted | 304 | $61,402,000 | $201,000 | $1,140,000 | $126,000 | $710,000 |
| File Closed For Incompleteness | 297 | $72,609,000 | $244,000 | $2,225,000 | $180,000 | $5,545,000 |
| Loan Purchased By The Institution | 1 | $3,000,000 | $3,000,000 | $3,000,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 118 | $18,709,000 | $158,000 | $680,000 | $71,000 | $302,000 |
| Collateral | 87 | $9,951,000 | $114,000 | $745,000 | $114,000 | $1,919,000 |
| Credit History | 73 | $9,194,000 | $125,000 | $325,000 | $93,000 | $484,000 |
| Other | 38 | $6,040,000 | $158,000 | $800,000 | $142,000 | $930,000 |
| Employment History | 15 | $1,632,000 | $108,000 | $278,000 | $40,000 | $91,000 |
| Unverifiable Information | 8 | $1,456,000 | $182,000 | $680,000 | $79,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $537,000 | $179,000 | $298,000 | $76,000 | $122,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $77,000 | $75,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2014 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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