First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2017
In 2017, First Federal S&L of Lakewood of Lakewood, OH reported 4,013 mortgage applications totaling $829.1 million, down 26% from 2016. The average application was for $206,600, and applicants reported an average income of $111,907. 73% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cleveland-Elyria, OH (2,164), Columbus, OH (523) and Akron, OH (295) (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 | 4,013 |
| Total Mortgage Loan Application Amount | $829,089,000 |
| Average Mortgage Loan Application Amount | $206,600 |
| Highest Mortgage Loan Application Amount | $3,570,000 |
| Average Applicant Income | $111,907 |
| Highest Applicant Income | $2,965,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,387 | $ 255,524,000 | $ 184,227 | $ 122,000 |
| Lorain, Ohio | 360 | $ 62,851,000 | $ 174,586 | $ 94,000 |
| Summit, Ohio | 253 | $ 52,245,000 | $ 206,501 | $ 108,000 |
| Franklin, Ohio | 221 | $ 54,061,000 | $ 244,619 | $ 104,000 |
| Lucas, Ohio | 207 | $ 42,196,000 | $ 203,845 | $ 112,000 |
| Medina, Ohio | 170 | $ 34,123,000 | $ 200,723 | $ 105,000 |
| Lake, Ohio | 166 | $ 32,342,000 | $ 194,831 | $ 96,000 |
| Delaware, Ohio | 128 | $ 49,528,000 | $ 386,937 | $ 177,000 |
| Stark, Ohio | 106 | $ 20,588,000 | $ 194,226 | $ 59,000 |
| Geauga, Ohio | 81 | $ 22,641,000 | $ 279,518 | $ 171,000 |
| Licking, Ohio | 76 | $ 22,237,000 | $ 292,592 | $ 121,000 |
| Wood, Ohio | 72 | $ 16,561,000 | $ 230,013 | $ 119,000 |
| Tuscarawas, Ohio | 56 | $ 7,544,000 | $ 134,714 | $ 69,000 |
| Hancock, Ohio | 51 | $ 7,718,000 | $ 151,333 | $ 89,000 |
| Hamilton, Ohio | 50 | $ 11,079,000 | $ 221,580 | $ 27,000 |
| Monroe, Michigan | 45 | $ 13,274,000 | $ 294,977 | $ 167,000 |
| Portage, Ohio | 42 | $ 8,879,000 | $ 211,404 | $ 182,000 |
| Trumbull, Ohio | 40 | $ 4,946,000 | $ 123,650 | $ 88,000 |
| Fairfield, Ohio | 35 | $ 10,253,000 | $ 292,942 | $ 106,000 |
| Union, Ohio | 35 | $ 11,270,000 | $ 322,000 | $ 140,000 |
| Mahoning, Ohio | 34 | $ 4,947,000 | $ 145,500 | $ 54,000 |
| Warren, Ohio | 33 | $ 7,493,000 | $ 227,060 | $ 4,000 |
| Erie, Ohio | 31 | $ 4,934,000 | $ 159,161 | $ 106,000 |
| Montgomery, Ohio | 28 | $ 5,276,000 | $ 188,428 | $ 9,000 |
| Ottawa, Ohio | 27 | $ 6,600,000 | $ 244,444 | $ 158,000 |
| Clermont, Ohio | 25 | $ 4,719,000 | $ 188,760 | $ 0 |
| Butler, Ohio | 22 | $ 4,035,000 | $ 183,409 | $ 13,000 |
| Fulton, Ohio | 15 | $ 3,450,000 | $ 230,000 | $ 101,000 |
| Carroll, Ohio | 11 | $ 2,066,000 | $ 187,818 | $ 61,000 |
| Wayne, Ohio | 10 | $ 1,519,000 | $ 151,900 | $ 90,000 |
| Madison, Ohio | 9 | $ 3,379,000 | $ 375,444 | $ 236,000 |
| Wayne, Michigan | 8 | $ 2,456,000 | $ 307,000 | $ 125,000 |
| Huron, Ohio | 8 | $ 959,000 | $ 119,875 | $ 92,000 |
| Columbiana, Ohio | 7 | $ 1,204,000 | $ 172,000 | $ 146,000 |
| Seneca, Ohio | 7 | $ 1,125,000 | $ 160,714 | $ 84,000 |
| Belmont, Ohio | 6 | $ 1,182,000 | $ 197,000 | $ 0 |
| Knox, Ohio | 6 | $ 1,180,000 | $ 196,666 | $ 70,000 |
| Pickaway, Ohio | 6 | $ 1,703,000 | $ 283,833 | $ 107,000 |
| Lee, Florida | 5 | $ 1,144,000 | $ 228,800 | $ 630,000 |
| Lenawee, Michigan | 5 | $ 1,052,000 | $ 210,400 | $ 95,000 |
| Allen, Ohio | 5 | $ 1,306,000 | $ 261,200 | $ 92,000 |
| Ashland, Ohio | 5 | $ 703,000 | $ 140,600 | $ 81,000 |
| Ashtabula, Ohio | 5 | $ 1,115,000 | $ 223,000 | $ 200,000 |
| Hocking, Ohio | 5 | $ 1,852,000 | $ 370,400 | $ 200,000 |
| Marion, Ohio | 5 | $ 903,000 | $ 180,600 | $ 53,000 |
| Perry, Ohio | 5 | $ 1,372,000 | $ 274,400 | $ 170,000 |
| Sandusky, Ohio | 5 | $ 654,000 | $ 130,800 | $ 58,000 |
| Greene, Ohio | 4 | $ 783,000 | $ 195,750 | $ 91,000 |
| Marion, Indiana | 3 | $ 412,000 | $ 137,333 | $ 76,000 |
| Logan, Ohio | 3 | $ 813,000 | $ 271,000 | $ 149,000 |
| Miami, Ohio | 3 | $ 514,000 | $ 171,333 | $ 0 |
| Morrow, Ohio | 3 | $ 1,178,000 | $ 392,666 | $ 150,000 |
| Putnam, Ohio | 3 | $ 802,000 | $ 267,333 | $ 89,000 |
| Richland, Ohio | 3 | $ 475,000 | $ 158,333 | $ 49,000 |
| Wyandot, Ohio | 3 | $ 390,000 | $ 130,000 | $ 48,000 |
| Wood, West Virginia | 3 | $ 762,000 | $ 254,000 | $ 107,000 |
| Arapahoe, Colorado | 2 | $ 172,000 | $ 86,000 | $ 99,000 |
| Washtenaw, Michigan | 2 | $ 771,000 | $ 385,500 | $ 181,000 |
| Clark, Ohio | 2 | $ 250,000 | $ 125,000 | $ 128,000 |
| Guernsey, Ohio | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Monroe, Ohio | 2 | $ 484,000 | $ 242,000 | $ 0 |
| Muskingum, Ohio | 2 | $ 368,000 | $ 184,000 | $ 64,000 |
| Allegheny, Pennsylvania | 2 | $ 580,000 | $ 290,000 | $ 115,000 |
| Fairfax, Virginia | 2 | $ 823,000 | $ 411,500 | $ 1,115,000 |
| Denver, Colorado | 1 | $ 187,000 | $ 187,000 | $ 180,000 |
| Charlotte, Florida | 1 | $ 71,000 | $ 71,000 | $ 77,000 |
| Collier, Florida | 1 | $ 513,000 | $ 513,000 | $ 1,737,000 |
| Hillsborough, Florida | 1 | $ 98,000 | $ 98,000 | $ 102,000 |
| Indian River, Florida | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Manatee, Florida | 1 | $ 194,000 | $ 194,000 | $ 80,000 |
| Miami-Dade, Florida | 1 | $ 752,000 | $ 752,000 | $ 161,000 |
| Orange, Florida | 1 | $ 252,000 | $ 252,000 | $ 189,000 |
| Osceola, Florida | 1 | $ 306,000 | $ 306,000 | $ 186,000 |
| Palm Beach, Florida | 1 | $ 415,000 | $ 415,000 | $ 224,000 |
| Pasco, Florida | 1 | $ 116,000 | $ 116,000 | $ 105,000 |
| Pinellas, Florida | 1 | $ 293,000 | $ 293,000 | $ 66,000 |
| Walton, Florida | 1 | $ 174,000 | $ 174,000 | $ 62,000 |
| DeKalb, Georgia | 1 | $ 158,000 | $ 158,000 | $ 115,000 |
| Forsyth, Georgia | 1 | $ 351,000 | $ 351,000 | $ 82,000 |
| Cook, Illinois | 1 | $ 366,000 | $ 366,000 | $ 111,000 |
| Lake, Illinois | 1 | $ 350,000 | $ 350,000 | $ 200,000 |
| Allen, Indiana | 1 | $ 180,000 | $ 180,000 | $ 63,000 |
| Bartholomew, Indiana | 1 | $ 158,000 | $ 158,000 | $ 70,000 |
| Hamilton, Indiana | 1 | $ 137,000 | $ 137,000 | $ 73,000 |
| Campbell, Kentucky | 1 | $ 850,000 | $ 850,000 | $ 400,000 |
| Alcona, Michigan | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Antrim, Michigan | 1 | $ 296,000 | $ 296,000 | $ 112,000 |
| Hillsdale, Michigan | 1 | $ 146,000 | $ 146,000 | $ 194,000 |
| Ottawa, Michigan | 1 | $ 238,000 | $ 238,000 | $ 88,000 |
| Presque Isle, Michigan | 1 | $ 146,000 | $ 146,000 | $ 96,000 |
| Cattaraugus, New York | 1 | $ 204,000 | $ 204,000 | $ 655,000 |
| Erie, New York | 1 | $ 292,000 | $ 292,000 | $ 135,000 |
| Warren, North Carolina | 1 | $ 272,000 | $ 272,000 | $ 220,000 |
| Athens, Ohio | 1 | $ 88,000 | $ 88,000 | $ 46,000 |
| Clinton, Ohio | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Defiance, Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hardin, Ohio | 1 | $ 113,000 | $ 113,000 | $ 66,000 |
| Harrison, Ohio | 1 | $ 220,000 | $ 220,000 | $ 183,000 |
| Henry, Ohio | 1 | $ 82,000 | $ 82,000 | $ 30,000 |
| Jefferson, Ohio | 1 | $ 96,000 | $ 96,000 | $ 68,000 |
| Meigs, Ohio | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Mercer, Ohio | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
| Paulding, Ohio | 1 | $ 58,000 | $ 58,000 | $ 134,000 |
| Shelby, Ohio | 1 | $ 404,000 | $ 404,000 | $ 118,000 |
| Northampton, Pennsylvania | 1 | $ 319,000 | $ 319,000 | $ 213,000 |
| Horry, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 133,000 |
| Lexington, South Carolina | 1 | $ 214,000 | $ 214,000 | $ 114,000 |
| Johnson, Tennessee | 1 | $ 76,000 | $ 76,000 | $ 121,000 |
| Frederick, Virginia | 1 | $ 312,000 | $ 312,000 | $ 106,000 |
| Marion, West Virginia | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Pleasants, West Virginia | 1 | $ 296,000 | $ 296,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2017
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 | 3,230 | $674,354,000 | $208,000 | $1,350,000 | $107,000 | $2,093,000 |
| Refinancing | 778 | $148,580,000 | $190,000 | $2,588,000 | $133,000 | $2,965,000 |
| Home Improvement | 5 | $6,155,000 | $1,231,000 | $3,570,000 | $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 | 3,040 | $604,647,000 | $198,000 | $1,650,000 | $122,000 | $2,965,000 |
| Not applicable | 401 | $95,977,000 | $239,000 | $3,570,000 | $0 | $0 |
| Not Provided | 310 | $76,574,000 | $247,000 | $2,588,000 | $151,000 | $862,000 |
| Asian | 123 | $29,405,000 | $239,000 | $1,440,000 | $137,000 | $939,000 |
| Black or African American | 72 | $11,293,000 | $156,000 | $486,000 | $81,000 | $269,000 |
| Hispanic | 61 | $10,144,000 | $166,000 | $520,000 | $96,000 | $1,089,000 |
| American Indian or Alaskan Native | 4 | $700,000 | $175,000 | $207,000 | $98,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $349,000 | $174,000 | $262,000 | $102,000 | $156,000 |
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) | 3,649 | $777,330,000 | $213,000 | $3,570,000 | $116,000 | $2,965,000 |
| FHA-insured (Federal Housing Administration) | 279 | $37,721,000 | $135,000 | $301,000 | $65,000 | $353,000 |
| VA-guaranteed (Veterans Administration) | 64 | $11,738,000 | $183,000 | $403,000 | $75,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,300,000 | $109,000 | $175,000 | $43,000 | $77,000 |
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 | 2,938 | $606,490,000 | $206,000 | $3,570,000 | $125,000 | $2,965,000 |
| Loan Purchased By The Institution | 381 | $82,248,000 | $215,000 | $872,000 | $0 | $0 |
| Application Withdrawn By Applicant | 286 | $54,902,000 | $191,000 | $1,000,000 | $113,000 | $720,000 |
| Application Approved But Not Accepted | 181 | $37,072,000 | $204,000 | $702,000 | $130,000 | $1,737,000 |
| Application Denied By Financial Institution | 125 | $21,281,000 | $170,000 | $710,000 | $88,000 | $353,000 |
| File Closed For Incompleteness | 102 | $27,096,000 | $265,000 | $1,350,000 | $148,000 | $642,000 |
| 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 | 51 | $10,388,000 | $203,000 | $710,000 | $108,000 | $341,000 |
| Credit History | 25 | $2,452,000 | $98,000 | $280,000 | $76,000 | $353,000 |
| Debt-To-Income Ratio | 25 | $4,506,000 | $180,000 | $615,000 | $65,000 | $209,000 |
| Other | 13 | $2,342,000 | $180,000 | $390,000 | $95,000 | $255,000 |
| Employment History | 8 | $960,000 | $120,000 | $183,000 | $48,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $476,000 | $238,000 | $282,000 | $95,000 | $133,000 |
| Unverifiable Information | 1 | $157,000 | $157,000 | $157,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2017 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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