First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2015
In 2015, First Federal S&L of Lakewood of Lakewood, OH reported 5,704 mortgage applications totaling $1.1 billion, up 7% from 2014. The average application was for $185,699, and applicants reported an average income of $118,481. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cleveland-Elyria, OH (3,179), Columbus, OH (928) and Akron, OH (689) (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 | 5,704 |
| Total Mortgage Loan Application Amount | $1,059,231,000 |
| Average Mortgage Loan Application Amount | $185,699 |
| Highest Mortgage Loan Application Amount | $2,265,000 |
| Average Applicant Income | $118,481 |
| Highest Applicant Income | $2,590,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,071 | $ 341,495,000 | $ 164,893 | $ 118,000 |
| Summit, Ohio | 600 | $ 105,751,000 | $ 176,251 | $ 114,000 |
| Lorain, Ohio | 490 | $ 81,332,000 | $ 165,983 | $ 104,000 |
| Franklin, Ohio | 396 | $ 90,324,000 | $ 228,090 | $ 133,000 |
| Delaware, Ohio | 304 | $ 97,027,000 | $ 319,167 | $ 181,000 |
| Medina, Ohio | 261 | $ 52,706,000 | $ 201,938 | $ 113,000 |
| Lake, Ohio | 241 | $ 40,660,000 | $ 168,713 | $ 91,000 |
| Lucas, Ohio | 224 | $ 34,682,000 | $ 154,830 | $ 95,000 |
| Stark, Ohio | 126 | $ 18,369,000 | $ 145,785 | $ 85,000 |
| Geauga, Ohio | 116 | $ 29,682,000 | $ 255,879 | $ 171,000 |
| Union, Ohio | 109 | $ 31,055,000 | $ 284,908 | $ 172,000 |
| Portage, Ohio | 89 | $ 16,246,000 | $ 182,539 | $ 108,000 |
| Wood, Ohio | 79 | $ 13,256,000 | $ 167,797 | $ 94,000 |
| Tuscarawas, Ohio | 65 | $ 7,914,000 | $ 121,753 | $ 78,000 |
| Hancock, Ohio | 57 | $ 7,434,000 | $ 130,421 | $ 66,000 |
| Licking, Ohio | 46 | $ 10,983,000 | $ 238,760 | $ 131,000 |
| Trumbull, Ohio | 43 | $ 4,531,000 | $ 105,372 | $ 76,000 |
| Ottawa, Ohio | 36 | $ 7,843,000 | $ 217,861 | $ 177,000 |
| Fairfield, Ohio | 35 | $ 9,118,000 | $ 260,514 | $ 136,000 |
| Monroe, Michigan | 29 | $ 5,326,000 | $ 183,655 | $ 73,000 |
| Erie, Ohio | 29 | $ 4,395,000 | $ 151,551 | $ 134,000 |
| Mahoning, Ohio | 29 | $ 3,975,000 | $ 137,068 | $ 103,000 |
| Wayne, Ohio | 22 | $ 3,385,000 | $ 153,863 | $ 82,000 |
| Madison, Ohio | 16 | $ 3,453,000 | $ 215,812 | $ 158,000 |
| Fulton, Ohio | 9 | $ 1,311,000 | $ 145,666 | $ 50,000 |
| Ashtabula, Ohio | 8 | $ 1,126,000 | $ 140,750 | $ 80,000 |
| Huron, Ohio | 8 | $ 1,443,000 | $ 180,375 | $ 114,000 |
| Pickaway, Ohio | 8 | $ 1,825,000 | $ 228,125 | $ 106,000 |
| Carroll, Ohio | 7 | $ 744,000 | $ 106,285 | $ 131,000 |
| Seneca, Ohio | 7 | $ 607,000 | $ 86,714 | $ 68,000 |
| Broward, Florida | 6 | $ 1,274,000 | $ 212,333 | $ 227,000 |
| Hamilton, Ohio | 6 | $ 1,234,000 | $ 205,666 | $ 115,000 |
| Morrow, Ohio | 6 | $ 1,091,000 | $ 181,833 | $ 66,000 |
| Lenawee, Michigan | 5 | $ 846,000 | $ 169,200 | $ 87,000 |
| Knox, Ohio | 5 | $ 1,699,000 | $ 339,800 | $ 130,000 |
| Perry, Ohio | 5 | $ 1,541,000 | $ 308,200 | $ 273,000 |
| Sandusky, Ohio | 5 | $ 681,000 | $ 136,200 | $ 99,000 |
| Wyandot, Ohio | 5 | $ 699,000 | $ 139,800 | $ 56,000 |
| Pinellas, Florida | 4 | $ 626,000 | $ 156,500 | $ 82,000 |
| Champaign, Ohio | 4 | $ 997,000 | $ 249,250 | $ 92,000 |
| Columbiana, Ohio | 4 | $ 472,000 | $ 118,000 | $ 38,000 |
| Montgomery, Ohio | 4 | $ 479,000 | $ 119,750 | $ 106,000 |
| Richland, Ohio | 4 | $ 539,000 | $ 134,750 | $ 49,000 |
| Allen, Ohio | 3 | $ 632,000 | $ 210,666 | $ 96,000 |
| Hocking, Ohio | 3 | $ 356,000 | $ 118,666 | $ 97,000 |
| Marion, Ohio | 3 | $ 850,000 | $ 283,333 | $ 121,000 |
| Collier, Florida | 2 | $ 886,000 | $ 443,000 | $ 253,000 |
| Lee, Florida | 2 | $ 388,000 | $ 194,000 | $ 70,000 |
| Sarasota, Florida | 2 | $ 414,000 | $ 207,000 | $ 137,000 |
| Macomb, Michigan | 2 | $ 270,000 | $ 135,000 | $ 111,000 |
| Carteret, North Carolina | 2 | $ 740,000 | $ 370,000 | $ 499,000 |
| Ashland, Ohio | 2 | $ 362,000 | $ 181,000 | $ 91,000 |
| Logan, Ohio | 2 | $ 574,000 | $ 287,000 | $ 118,000 |
| Muskingum, Ohio | 2 | $ 283,000 | $ 141,500 | $ 106,000 |
| Putnam, Ohio | 2 | $ 702,000 | $ 351,000 | $ 161,000 |
| Ross, Ohio | 2 | $ 550,000 | $ 275,000 | $ 138,000 |
| Butler, Pennsylvania | 2 | $ 632,000 | $ 316,000 | $ 173,000 |
| Berkeley, South Carolina | 2 | $ 335,000 | $ 167,500 | $ 66,000 |
| Harris, Texas | 2 | $ 474,000 | $ 237,000 | $ 181,000 |
| Shelby, Alabama | 1 | $ 395,000 | $ 395,000 | $ 107,000 |
| Maricopa, Arizona | 1 | $ 263,000 | $ 263,000 | $ 206,000 |
| Alachua, Florida | 1 | $ 186,000 | $ 186,000 | $ 212,000 |
| Manatee, Florida | 1 | $ 128,000 | $ 128,000 | $ 84,000 |
| Marion, Florida | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Palm Beach, Florida | 1 | $ 55,000 | $ 55,000 | $ 76,000 |
| Polk, Florida | 1 | $ 286,000 | $ 286,000 | $ 141,000 |
| Barrow, Georgia | 1 | $ 473,000 | $ 473,000 | $ 154,000 |
| Bartholomew, Indiana | 1 | $ 130,000 | $ 130,000 | $ 28,000 |
| Kenton, Kentucky | 1 | $ 73,000 | $ 73,000 | $ 194,000 |
| Logan, Kentucky | 1 | $ 110,000 | $ 110,000 | $ 31,000 |
| Pulaski, Kentucky | 1 | $ 230,000 | $ 230,000 | $ 80,000 |
| Montgomery, Maryland | 1 | $ 459,000 | $ 459,000 | $ 235,000 |
| Branch, Michigan | 1 | $ 222,000 | $ 222,000 | $ 57,000 |
| Livingston, Michigan | 1 | $ 198,000 | $ 198,000 | $ 82,000 |
| Muskegon, Michigan | 1 | $ 369,000 | $ 369,000 | $ 177,000 |
| Oakland, Michigan | 1 | $ 300,000 | $ 300,000 | $ 422,000 |
| Washtenaw, Michigan | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| Wayne, Michigan | 1 | $ 120,000 | $ 120,000 | $ 257,000 |
| Erie, New York | 1 | $ 213,000 | $ 213,000 | $ 83,000 |
| Buncombe, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Mecklenburg, North Carolina | 1 | $ 318,000 | $ 318,000 | $ 148,000 |
| Union, North Carolina | 1 | $ 320,000 | $ 320,000 | $ 80,000 |
| Athens, Ohio | 1 | $ 274,000 | $ 274,000 | $ 277,000 |
| Clark, Ohio | 1 | $ 339,000 | $ 339,000 | $ 80,000 |
| Clermont, Ohio | 1 | $ 316,000 | $ 316,000 | $ 198,000 |
| Crawford, Ohio | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Guernsey, Ohio | 1 | $ 83,000 | $ 83,000 | $ 30,000 |
| Harrison, Ohio | 1 | $ 143,000 | $ 143,000 | $ 47,000 |
| Henry, Ohio | 1 | $ 173,000 | $ 173,000 | $ 35,000 |
| Highland, Ohio | 1 | $ 52,000 | $ 52,000 | $ 24,000 |
| Holmes, Ohio | 1 | $ 320,000 | $ 320,000 | $ 130,000 |
| Mercer, Ohio | 1 | $ 89,000 | $ 89,000 | $ 99,000 |
| Monroe, Ohio | 1 | $ 193,000 | $ 193,000 | $ 142,000 |
| Scioto, Ohio | 1 | $ 257,000 | $ 257,000 | $ 94,000 |
| Shelby, Ohio | 1 | $ 167,000 | $ 167,000 | $ 70,000 |
| Washington, Ohio | 1 | $ 335,000 | $ 335,000 | $ 128,000 |
| Williams, Ohio | 1 | $ 63,000 | $ 63,000 | $ 52,000 |
| Allegheny, Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
| Florence, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Campbell, Tennessee | 1 | $ 227,000 | $ 227,000 | $ 337,000 |
| Tarrant, Texas | 1 | $ 412,000 | $ 412,000 | $ 250,000 |
| Hampton, Virginia | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Lancaster, Virginia | 1 | $ 568,000 | $ 568,000 | $ 120,000 |
| Prince William, Virginia | 1 | $ 416,000 | $ 416,000 | $ 121,000 |
| Snohomish, Washington | 1 | $ 512,000 | $ 512,000 | $ 155,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2015
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 | 4,151 | $784,857,000 | $189,000 | $2,265,000 | $114,000 | $2,590,000 |
| Refinancing | 1,461 | $268,231,000 | $183,000 | $2,028,000 | $132,000 | $1,536,000 |
| Home Improvement | 92 | $6,143,000 | $66,000 | $648,000 | $106,000 | $473,000 |
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 | 4,067 | $713,480,000 | $175,000 | $1,350,000 | $111,000 | $1,536,000 |
| Not Provided | 1,256 | $276,668,000 | $220,000 | $2,265,000 | $151,000 | $2,590,000 |
| Asian | 141 | $26,829,000 | $190,000 | $913,000 | $115,000 | $700,000 |
| Black or African American | 115 | $14,931,000 | $129,000 | $691,000 | $82,000 | $317,000 |
| Hispanic | 85 | $11,648,000 | $137,000 | $504,000 | $76,000 | $230,000 |
| Not applicable | 20 | $12,015,000 | $600,000 | $2,028,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $3,116,000 | $183,000 | $390,000 | $112,000 | $238,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $544,000 | $181,000 | $364,000 | $56,000 | $88,000 |
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) | 4,830 | $941,088,000 | $194,000 | $2,265,000 | $128,000 | $2,590,000 |
| FHA-insured (Federal Housing Administration) | 701 | $88,331,000 | $126,000 | $322,000 | $59,000 | $392,000 |
| VA-guaranteed (Veterans Administration) | 126 | $23,278,000 | $184,000 | $417,000 | $82,000 | $229,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $6,534,000 | $139,000 | $285,000 | $50,000 | $102,000 |
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 | 4,523 | $847,125,000 | $187,000 | $2,265,000 | $118,000 | $2,590,000 |
| Application Withdrawn By Applicant | 540 | $92,311,000 | $170,000 | $863,000 | $110,000 | $605,000 |
| Application Denied By Financial Institution | 282 | $42,980,000 | $152,000 | $1,350,000 | $99,000 | $823,000 |
| Application Approved But Not Accepted | 226 | $46,198,000 | $204,000 | $1,040,000 | $132,000 | $1,232,000 |
| File Closed For Incompleteness | 133 | $30,617,000 | $230,000 | $1,275,000 | $168,000 | $1,536,000 |
| 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 | 114 | $18,613,000 | $163,000 | $645,000 | $109,000 | $406,000 |
| Debt-To-Income Ratio | 70 | $10,338,000 | $147,000 | $1,350,000 | $67,000 | $823,000 |
| Credit History | 52 | $7,341,000 | $141,000 | $900,000 | $106,000 | $517,000 |
| Other | 23 | $4,280,000 | $186,000 | $800,000 | $140,000 | $477,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $873,000 | $97,000 | $237,000 | $118,000 | $558,000 |
| Employment History | 8 | $854,000 | $106,000 | $168,000 | $38,000 | $96,000 |
| Mortgage Insurance Denied | 5 | $625,000 | $125,000 | $209,000 | $108,000 | $155,000 |
| Unverifiable Information | 1 | $56,000 | $56,000 | $56,000 | $33,000 | $33,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2015 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.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About