First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2016
In 2016, First Federal S&L of Lakewood of Lakewood, OH reported 5,411 mortgage applications totaling $1.1 billion, down 5% from 2015. The average application was for $200,793, and applicants reported an average income of $128,687. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (2,817), Columbus, OH (927) and Akron, OH (668) (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 | 5,411 |
| Total Mortgage Loan Application Amount | $1,086,494,000 |
| Average Mortgage Loan Application Amount | $200,793 |
| Highest Mortgage Loan Application Amount | $3,750,000 |
| Average Applicant Income | $128,687 |
| Highest Applicant Income | $3,236,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,800 | $ 316,352,000 | $ 175,751 | $ 120,000 |
| Summit, Ohio | 586 | $ 108,631,000 | $ 185,377 | $ 117,000 |
| Lorain, Ohio | 481 | $ 85,729,000 | $ 178,230 | $ 108,000 |
| Franklin, Ohio | 377 | $ 96,808,000 | $ 256,785 | $ 165,000 |
| Delaware, Ohio | 295 | $ 96,776,000 | $ 328,054 | $ 214,000 |
| Lucas, Ohio | 271 | $ 49,540,000 | $ 182,804 | $ 106,000 |
| Medina, Ohio | 246 | $ 47,315,000 | $ 192,337 | $ 104,000 |
| Lake, Ohio | 181 | $ 31,132,000 | $ 172,000 | $ 85,000 |
| Geauga, Ohio | 109 | $ 29,423,000 | $ 269,935 | $ 204,000 |
| Licking, Ohio | 107 | $ 28,550,000 | $ 266,822 | $ 183,000 |
| Stark, Ohio | 104 | $ 13,682,000 | $ 131,557 | $ 76,000 |
| Wood, Ohio | 98 | $ 20,042,000 | $ 204,510 | $ 105,000 |
| Union, Ohio | 90 | $ 29,055,000 | $ 322,833 | $ 217,000 |
| Portage, Ohio | 82 | $ 17,205,000 | $ 209,817 | $ 127,000 |
| Hancock, Ohio | 68 | $ 9,891,000 | $ 145,455 | $ 62,000 |
| Tuscarawas, Ohio | 68 | $ 8,183,000 | $ 120,338 | $ 70,000 |
| Monroe, Michigan | 48 | $ 11,774,000 | $ 245,291 | $ 144,000 |
| Trumbull, Ohio | 46 | $ 5,502,000 | $ 119,608 | $ 73,000 |
| Fairfield, Ohio | 29 | $ 7,773,000 | $ 268,034 | $ 124,000 |
| Mahoning, Ohio | 29 | $ 3,944,000 | $ 136,000 | $ 97,000 |
| Erie, Ohio | 25 | $ 4,905,000 | $ 196,200 | $ 191,000 |
| Ottawa, Ohio | 25 | $ 5,463,000 | $ 218,520 | $ 167,000 |
| Ashtabula, Ohio | 14 | $ 1,659,000 | $ 118,500 | $ 176,000 |
| Fulton, Ohio | 14 | $ 3,544,000 | $ 253,142 | $ 107,000 |
| Wayne, Ohio | 14 | $ 2,483,000 | $ 177,357 | $ 92,000 |
| Madison, Ohio | 10 | $ 3,511,000 | $ 351,100 | $ 179,000 |
| Wyandot, Ohio | 9 | $ 1,660,000 | $ 184,444 | $ 105,000 |
| Pickaway, Ohio | 8 | $ 2,412,000 | $ 301,500 | $ 124,000 |
| Ashland, Ohio | 7 | $ 860,000 | $ 122,857 | $ 77,000 |
| Hamilton, Ohio | 7 | $ 1,748,000 | $ 249,714 | $ 332,000 |
| Huron, Ohio | 7 | $ 1,556,000 | $ 222,285 | $ 95,000 |
| Sandusky, Ohio | 7 | $ 707,000 | $ 101,000 | $ 79,000 |
| Seneca, Ohio | 6 | $ 1,479,000 | $ 246,500 | $ 150,000 |
| Logan, Ohio | 5 | $ 1,087,000 | $ 217,400 | $ 108,000 |
| Morrow, Ohio | 5 | $ 1,656,000 | $ 331,200 | $ 169,000 |
| Sarasota, Florida | 4 | $ 684,000 | $ 171,000 | $ 136,000 |
| Lenawee, Michigan | 4 | $ 862,000 | $ 215,500 | $ 88,000 |
| Perry, Ohio | 4 | $ 1,244,000 | $ 311,000 | $ 127,000 |
| Putnam, Ohio | 4 | $ 994,000 | $ 248,500 | $ 70,000 |
| Richland, Ohio | 4 | $ 1,194,000 | $ 298,500 | $ 200,000 |
| Lee, Florida | 3 | $ 698,000 | $ 232,666 | $ 227,000 |
| Monroe, Florida | 3 | $ 1,352,000 | $ 450,666 | $ 374,000 |
| Grand Traverse, Michigan | 3 | $ 432,000 | $ 144,000 | $ 113,000 |
| Cattaraugus, New York | 3 | $ 706,000 | $ 235,333 | $ 357,000 |
| Carroll, Ohio | 3 | $ 383,000 | $ 127,666 | $ 150,000 |
| Clermont, Ohio | 3 | $ 429,000 | $ 143,000 | $ 125,000 |
| Harrison, Ohio | 3 | $ 551,000 | $ 183,666 | $ 101,000 |
| Knox, Ohio | 3 | $ 804,000 | $ 268,000 | $ 147,000 |
| Warren, Ohio | 3 | $ 1,132,000 | $ 377,333 | $ 391,000 |
| Collier, Florida | 2 | $ 1,173,000 | $ 586,500 | $ 525,000 |
| Franklin, Florida | 2 | $ 1,399,000 | $ 699,500 | $ 340,000 |
| Hillsborough, Florida | 2 | $ 444,000 | $ 222,000 | $ 124,000 |
| Osceola, Florida | 2 | $ 345,000 | $ 172,500 | $ 224,000 |
| Palm Beach, Florida | 2 | $ 842,000 | $ 421,000 | $ 750,000 |
| Steuben, Indiana | 2 | $ 590,000 | $ 295,000 | $ 321,000 |
| Washtenaw, Michigan | 2 | $ 488,000 | $ 244,000 | $ 148,000 |
| Wayne, Michigan | 2 | $ 680,000 | $ 340,000 | $ 206,000 |
| Union, North Carolina | 2 | $ 738,000 | $ 369,000 | $ 143,000 |
| Champaign, Ohio | 2 | $ 684,000 | $ 342,000 | $ 150,000 |
| Guernsey, Ohio | 2 | $ 364,000 | $ 182,000 | $ 78,000 |
| Henry, Ohio | 2 | $ 527,000 | $ 263,500 | $ 77,000 |
| Hocking, Ohio | 2 | $ 708,000 | $ 354,000 | $ 181,000 |
| Jefferson, Ohio | 2 | $ 158,000 | $ 79,000 | $ 71,000 |
| Montgomery, Ohio | 2 | $ 174,000 | $ 87,000 | $ 132,000 |
| Washington, Ohio | 2 | $ 652,000 | $ 326,000 | $ 119,000 |
| Berks, Pennsylvania | 2 | $ 340,000 | $ 170,000 | $ 145,000 |
| Williamson, Tennessee | 2 | $ 480,000 | $ 240,000 | $ 50,000 |
| Brazoria, Texas | 2 | $ 610,000 | $ 305,000 | $ 126,000 |
| Maricopa, Arizona | 1 | $ 549,000 | $ 549,000 | $ 817,000 |
| Yavapai, Arizona | 1 | $ 232,000 | $ 232,000 | $ 214,000 |
| Brevard, Florida | 1 | $ 203,000 | $ 203,000 | $ 81,000 |
| Broward, Florida | 1 | $ 417,000 | $ 417,000 | $ 220,000 |
| Charlotte, Florida | 1 | $ 125,000 | $ 125,000 | $ 227,000 |
| Pasco, Florida | 1 | $ 67,000 | $ 67,000 | $ 16,000 |
| Pinellas, Florida | 1 | $ 44,000 | $ 44,000 | $ 58,000 |
| Polk, Florida | 1 | $ 238,000 | $ 238,000 | $ 200,000 |
| Seminole, Florida | 1 | $ 165,000 | $ 165,000 | $ 158,000 |
| Forsyth, Georgia | 1 | $ 380,000 | $ 380,000 | $ 111,000 |
| Cook, Illinois | 1 | $ 116,000 | $ 116,000 | $ 145,000 |
| DuPage, Illinois | 1 | $ 241,000 | $ 241,000 | $ 104,000 |
| Lake, Illinois | 1 | $ 473,000 | $ 473,000 | $ 442,000 |
| McHenry, Illinois | 1 | $ 245,000 | $ 245,000 | $ 125,000 |
| Lake, Indiana | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| Monroe, Indiana | 1 | $ 181,000 | $ 181,000 | $ 69,000 |
| Tippecanoe, Indiana | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Berrien, Michigan | 1 | $ 417,000 | $ 417,000 | $ 189,000 |
| Emmet, Michigan | 1 | $ 289,000 | $ 289,000 | $ 175,000 |
| Hillsdale, Michigan | 1 | $ 135,000 | $ 135,000 | $ 174,000 |
| Jackson, Michigan | 1 | $ 293,000 | $ 293,000 | $ 78,000 |
| Kent, Michigan | 1 | $ 359,000 | $ 359,000 | $ 119,000 |
| Macomb, Michigan | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Roscommon, Michigan | 1 | $ 400,000 | $ 400,000 | $ 424,000 |
| Chautauqua, New York | 1 | $ 346,000 | $ 346,000 | $ 200,000 |
| Queens, New York | 1 | $ 375,000 | $ 375,000 | $ 236,000 |
| Iredell, North Carolina | 1 | $ 181,000 | $ 181,000 | $ 59,000 |
| Rutherford, North Carolina | 1 | $ 316,000 | $ 316,000 | $ 333,000 |
| Wake, North Carolina | 1 | $ 276,000 | $ 276,000 | $ 70,000 |
| Allen, Ohio | 1 | $ 42,000 | $ 42,000 | $ 46,000 |
| Athens, Ohio | 1 | $ 133,000 | $ 133,000 | $ 31,000 |
| Auglaize, Ohio | 1 | $ 168,000 | $ 168,000 | $ 85,000 |
| Belmont, Ohio | 1 | $ 80,000 | $ 80,000 | $ 273,000 |
| Columbiana, Ohio | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Darke, Ohio | 1 | $ 221,000 | $ 221,000 | $ 83,000 |
| Holmes, Ohio | 1 | $ 103,000 | $ 103,000 | $ 37,000 |
| Marion, Ohio | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Muskingum, Ohio | 1 | $ 332,000 | $ 332,000 | $ 285,000 |
| Ross, Ohio | 1 | $ 317,000 | $ 317,000 | $ 115,000 |
| Mercer, Pennsylvania | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Beaufort, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 144,000 |
| Charleston, South Carolina | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Collin, Texas | 1 | $ 361,000 | $ 361,000 | $ 114,000 |
| Harris, Texas | 1 | $ 244,000 | $ 244,000 | $ 102,000 |
| Tarrant, Texas | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Travis, Texas | 1 | $ 190,000 | $ 190,000 | $ 115,000 |
| Fairfax, Virginia | 1 | $ 508,000 | $ 508,000 | $ 116,000 |
| Washington, Wisconsin | 1 | $ 245,000 | $ 245,000 | $ 134,000 |
Mortgage Loan Application Detail Totals for First Federal S&L 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 S&L 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 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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