First Federal Savings And Loan Association Of Lakewood
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
First Federal Savings And Loan Association Of Lakewood 2016 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 | 5,411 |
| Total Mortgage Loan Application Amount | $1,086,494,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $3,236,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,800 | $ 316,352,000 | $ 175,000 | $ 120,000 |
| Summit County Ohio | 586 | $ 108,631,000 | $ 185,000 | $ 117,000 |
| Lorain County Ohio | 481 | $ 85,729,000 | $ 178,000 | $ 108,000 |
| Franklin County Ohio | 377 | $ 96,808,000 | $ 256,000 | $ 165,000 |
| Delaware County Ohio | 295 | $ 96,776,000 | $ 328,000 | $ 214,000 |
| Lucas County Ohio | 271 | $ 49,540,000 | $ 182,000 | $ 106,000 |
| Medina County Ohio | 246 | $ 47,315,000 | $ 192,000 | $ 104,000 |
| Lake County Ohio | 181 | $ 31,132,000 | $ 172,000 | $ 85,000 |
| Geauga County Ohio | 109 | $ 29,423,000 | $ 269,000 | $ 204,000 |
| Licking County Ohio | 107 | $ 28,550,000 | $ 266,000 | $ 183,000 |
| Stark County Ohio | 104 | $ 13,682,000 | $ 131,000 | $ 76,000 |
| Wood County Ohio | 98 | $ 20,042,000 | $ 204,000 | $ 105,000 |
| Union County Ohio | 90 | $ 29,055,000 | $ 322,000 | $ 217,000 |
| Portage County Ohio | 82 | $ 17,205,000 | $ 209,000 | $ 127,000 |
| Hancock County Ohio | 68 | $ 9,891,000 | $ 145,000 | $ 62,000 |
| Tuscarawas County Ohio | 68 | $ 8,183,000 | $ 120,000 | $ 70,000 |
| Monroe County Michigan | 48 | $ 11,774,000 | $ 245,000 | $ 144,000 |
| Trumbull County Ohio | 46 | $ 5,502,000 | $ 119,000 | $ 73,000 |
| Fairfield County Ohio | 29 | $ 7,773,000 | $ 268,000 | $ 124,000 |
| Mahoning County Ohio | 29 | $ 3,944,000 | $ 136,000 | $ 97,000 |
| Erie County Ohio | 25 | $ 4,905,000 | $ 196,000 | $ 191,000 |
| Ottawa County Ohio | 25 | $ 5,463,000 | $ 218,000 | $ 167,000 |
| Ashtabula County Ohio | 14 | $ 1,659,000 | $ 118,000 | $ 176,000 |
| Fulton County Ohio | 14 | $ 3,544,000 | $ 253,000 | $ 107,000 |
| Wayne County Ohio | 14 | $ 2,483,000 | $ 177,000 | $ 92,000 |
| Madison County Ohio | 10 | $ 3,511,000 | $ 351,000 | $ 179,000 |
| Wyandot County Ohio | 9 | $ 1,660,000 | $ 184,000 | $ 105,000 |
| Pickaway County Ohio | 8 | $ 2,412,000 | $ 301,000 | $ 124,000 |
| Ashland County Ohio | 7 | $ 860,000 | $ 122,000 | $ 77,000 |
| Hamilton County Ohio | 7 | $ 1,748,000 | $ 249,000 | $ 332,000 |
| Huron County Ohio | 7 | $ 1,556,000 | $ 222,000 | $ 95,000 |
| Sandusky County Ohio | 7 | $ 707,000 | $ 101,000 | $ 79,000 |
| Seneca County Ohio | 6 | $ 1,479,000 | $ 246,000 | $ 150,000 |
| Logan County Ohio | 5 | $ 1,087,000 | $ 217,000 | $ 108,000 |
| Morrow County Ohio | 5 | $ 1,656,000 | $ 331,000 | $ 169,000 |
| Sarasota County Florida | 4 | $ 684,000 | $ 171,000 | $ 136,000 |
| Lenawee County Michigan | 4 | $ 862,000 | $ 215,000 | $ 88,000 |
| Perry County Ohio | 4 | $ 1,244,000 | $ 311,000 | $ 127,000 |
| Putnam County Ohio | 4 | $ 994,000 | $ 248,000 | $ 70,000 |
| Richland County Ohio | 4 | $ 1,194,000 | $ 298,000 | $ 200,000 |
| Lee County Florida | 3 | $ 698,000 | $ 232,000 | $ 227,000 |
| Monroe County Florida | 3 | $ 1,352,000 | $ 450,000 | $ 374,000 |
| Grand Traverse County Michigan | 3 | $ 432,000 | $ 144,000 | $ 113,000 |
| Cattaraugus County New York | 3 | $ 706,000 | $ 235,000 | $ 357,000 |
| Carroll County Ohio | 3 | $ 383,000 | $ 127,000 | $ 150,000 |
| Clermont County Ohio | 3 | $ 429,000 | $ 143,000 | $ 125,000 |
| Harrison County Ohio | 3 | $ 551,000 | $ 183,000 | $ 101,000 |
| Knox County Ohio | 3 | $ 804,000 | $ 268,000 | $ 147,000 |
| Warren County Ohio | 3 | $ 1,132,000 | $ 377,000 | $ 391,000 |
| Collier County Florida | 2 | $ 1,173,000 | $ 586,000 | $ 525,000 |
| Franklin County Florida | 2 | $ 1,399,000 | $ 699,000 | $ 340,000 |
| Hillsborough County Florida | 2 | $ 444,000 | $ 222,000 | $ 124,000 |
| Osceola County Florida | 2 | $ 345,000 | $ 172,000 | $ 224,000 |
| Palm Beach County Florida | 2 | $ 842,000 | $ 421,000 | $ 750,000 |
| Steuben County Indiana | 2 | $ 590,000 | $ 295,000 | $ 321,000 |
| Washtenaw County Michigan | 2 | $ 488,000 | $ 244,000 | $ 148,000 |
| Wayne County Michigan | 2 | $ 680,000 | $ 340,000 | $ 206,000 |
| Union County North Carolina | 2 | $ 738,000 | $ 369,000 | $ 143,000 |
| Champaign County Ohio | 2 | $ 684,000 | $ 342,000 | $ 150,000 |
| Guernsey County Ohio | 2 | $ 364,000 | $ 182,000 | $ 78,000 |
| Henry County Ohio | 2 | $ 527,000 | $ 263,000 | $ 77,000 |
| Hocking County Ohio | 2 | $ 708,000 | $ 354,000 | $ 181,000 |
| Jefferson County Ohio | 2 | $ 158,000 | $ 79,000 | $ 71,000 |
| Montgomery County Ohio | 2 | $ 174,000 | $ 87,000 | $ 132,000 |
| Washington County Ohio | 2 | $ 652,000 | $ 326,000 | $ 119,000 |
| Berks County Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 145,000 |
| Williamson County Tennessee | 2 | $ 480,000 | $ 240,000 | $ 50,000 |
| Brazoria County Texas | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Maricopa County Arizona | 1 | $ 549,000 | $ 549,000 | $ 817,000 |
| Yavapai County Arizona | 1 | $ 232,000 | $ 232,000 | $ 214,000 |
| Brevard County Florida | 1 | $ 203,000 | $ 203,000 | $ 81,000 |
| Broward County Florida | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Charlotte County Florida | 1 | $ 125,000 | $ 125,000 | $ 227,000 |
| Pasco County Florida | 1 | $ 67,000 | $ 67,000 | $ 16,000 |
| Pinellas County Florida | 1 | $ 44,000 | $ 44,000 | $ 58,000 |
| Polk County Florida | 1 | $ 238,000 | $ 238,000 | $ 200,000 |
| Seminole County Florida | 1 | $ 165,000 | $ 165,000 | $ 158,000 |
| Forsyth County Georgia | 1 | $ 380,000 | $ 380,000 | $ 111,000 |
| Cook County Illinois | 1 | $ 116,000 | $ 116,000 | $ 145,000 |
| DuPage County Illinois | 1 | $ 241,000 | $ 241,000 | $ 104,000 |
| Lake County Illinois | 1 | $ 473,000 | $ 473,000 | $ 442,000 |
| McHenry County Illinois | 1 | $ 245,000 | $ 245,000 | $ 125,000 |
| Lake County Indiana | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| Monroe County Indiana | 1 | $ 181,000 | $ 181,000 | $ 69,000 |
| Tippecanoe County Indiana | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Berrien County Michigan | 1 | $ 417,000 | $ 417,000 | $ 189,000 |
| Emmet County Michigan | 1 | $ 289,000 | $ 289,000 | $ 175,000 |
| Hillsdale County Michigan | 1 | $ 135,000 | $ 135,000 | $ 174,000 |
| Jackson County Michigan | 1 | $ 293,000 | $ 293,000 | $ 78,000 |
| Kent County Michigan | 1 | $ 359,000 | $ 359,000 | $ 119,000 |
| Macomb County Michigan | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Roscommon County Michigan | 1 | $ 400,000 | $ 400,000 | $ 424,000 |
| Chautauqua County New York | 1 | $ 346,000 | $ 346,000 | $ 200,000 |
| Queens County New York | 1 | $ 375,000 | $ 375,000 | $ 236,000 |
| Iredell County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 59,000 |
| Rutherford County North Carolina | 1 | $ 316,000 | $ 316,000 | $ 333,000 |
| Wake County North Carolina | 1 | $ 276,000 | $ 276,000 | $ 70,000 |
| Allen County Ohio | 1 | $ 42,000 | $ 42,000 | $ 46,000 |
| Athens County Ohio | 1 | $ 133,000 | $ 133,000 | $ 31,000 |
| Auglaize County Ohio | 1 | $ 168,000 | $ 168,000 | $ 85,000 |
| Belmont County Ohio | 1 | $ 80,000 | $ 80,000 | $ 273,000 |
| Columbiana County Ohio | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Darke County Ohio | 1 | $ 221,000 | $ 221,000 | $ 83,000 |
| Holmes County Ohio | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Marion County Ohio | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Muskingum County Ohio | 1 | $ 332,000 | $ 332,000 | $ 285,000 |
| Ross County Ohio | 1 | $ 317,000 | $ 317,000 | $ 115,000 |
| Mercer County Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Beaufort County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Charleston County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Collin County Texas | 1 | $ 361,000 | $ 361,000 | $ 114,000 |
| Harris County Texas | 1 | $ 244,000 | $ 244,000 | $ 102,000 |
| Tarrant County Texas | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Travis County Texas | 1 | $ 190,000 | $ 190,000 | $ 115,000 |
| Fairfax County Virginia | 1 | $ 508,000 | $ 508,000 | $ 116,000 |
| Washington County Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for First Federal Savings And Loan Association Of Lakewood in 2016
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 | 3,999 | $806,101,000 | $201,000 | $3,750,000 | $123,000 | $3,236,000 |
| Refinancing | 1,410 | $280,003,000 | $198,000 | $2,588,000 | $145,000 | $1,849,000 |
| Home Improvement | 2 | $390,000 | $195,000 | $275,000 | $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 | 4,233 | $811,559,000 | $191,000 | $1,839,000 | $121,000 | $1,700,000 |
| Not Provided | 825 | $202,576,000 | $245,000 | $2,588,000 | $175,000 | $3,236,000 |
| Asian | 125 | $28,013,000 | $224,000 | $826,000 | $141,000 | $1,145,000 |
| Hispanic | 98 | $14,013,000 | $142,000 | $410,000 | $88,000 | $644,000 |
| Black or African American | 89 | $15,035,000 | $168,000 | $617,000 | $99,000 | $700,000 |
| Not applicable | 24 | $11,812,000 | $492,000 | $3,750,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 11 | $2,305,000 | $209,000 | $417,000 | $155,000 | $503,000 |
| American Indian or Alaskan Native | 6 | $1,181,000 | $196,000 | $417,000 | $238,000 | $514,000 |
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) | 4,766 | $998,681,000 | $209,000 | $3,750,000 | $137,000 | $3,236,000 |
| FHA-insured (Federal Housing Administration) | 504 | $63,863,000 | $126,000 | $322,000 | $59,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 107 | $20,000,000 | $186,000 | $539,000 | $80,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $3,950,000 | $116,000 | $237,000 | $52,000 | $105,000 |
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 | 4,363 | $865,591,000 | $198,000 | $3,750,000 | $128,000 | $3,236,000 |
| Application Withdrawn By Applicant | 400 | $77,647,000 | $194,000 | $2,588,000 | $120,000 | $1,700,000 |
| Application Denied By Financial Institution | 239 | $42,571,000 | $178,000 | $1,800,000 | $105,000 | $1,191,000 |
| Application Approved But Not Accepted | 220 | $45,722,000 | $207,000 | $1,000,000 | $144,000 | $1,168,000 |
| File Closed For Incompleteness | 189 | $54,963,000 | $290,000 | $1,839,000 | $176,000 | $840,000 |
| 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 | 74 | $13,161,000 | $177,000 | $1,340,000 | $126,000 | $1,191,000 |
| Debt-To-Income Ratio | 64 | $11,859,000 | $185,000 | $517,000 | $99,000 | $494,000 |
| Credit History | 48 | $8,881,000 | $185,000 | $1,800,000 | $104,000 | $515,000 |
| Other | 21 | $3,279,000 | $156,000 | $790,000 | $70,000 | $226,000 |
| Credit Application Incomplete | 13 | $2,259,000 | $173,000 | $490,000 | $111,000 | $285,000 |
| Employment History | 11 | $2,002,000 | $182,000 | $995,000 | $75,000 | $187,000 |
| Unverifiable Information | 5 | $864,000 | $172,000 | $258,000 | $102,000 | $214,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $266,000 | $88,000 | $101,000 | $32,000 | $51,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings And Loan Association Of Lakewood's 2016 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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