In 2018, First Federal S&L of Lakewood of Lakewood, OH reported 4,100 mortgage applications totaling $893.2 million, up 2% from 2017. The average application was for $217,841, and applicants reported an average income of $132,176. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (2,368), Columbus, OH (384) and Akron, OH (323) (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 | 4,100 |
| Total Mortgage Loan Application Amount | $893,150,000 |
| Average Mortgage Loan Application Amount | $217,841 |
| Highest Mortgage Loan Application Amount | $2,155,000 |
| Average Applicant Income | $132,176 |
| Highest Applicant Income | $3,251,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,514 | $ 282,670,000 | $ 186,704 | $ 131,000 |
| Lorain, Ohio | 414 | $ 81,690,000 | $ 197,318 | $ 108,000 |
| Summit, Ohio | 270 | $ 61,030,000 | $ 226,037 | $ 151,000 |
| Lake, Ohio | 203 | $ 35,565,000 | $ 175,197 | $ 102,000 |
| Lucas, Ohio | 178 | $ 37,440,000 | $ 210,337 | $ 132,000 |
| Franklin, Ohio | 171 | $ 43,435,000 | $ 254,005 | $ 146,000 |
| Medina, Ohio | 148 | $ 33,670,000 | $ 227,500 | $ 122,000 |
| Delaware, Ohio | 97 | $ 33,785,000 | $ 348,298 | $ 164,000 |
| Geauga, Ohio | 89 | $ 26,185,000 | $ 294,213 | $ 187,000 |
| Wood, Ohio | 64 | $ 15,330,000 | $ 239,531 | $ 127,000 |
| Tuscarawas, Ohio | 58 | $ 8,750,000 | $ 150,862 | $ 77,000 |
| Stark, Ohio | 56 | $ 10,940,000 | $ 195,357 | $ 115,000 |
| Portage, Ohio | 53 | $ 11,665,000 | $ 220,094 | $ 140,000 |
| Monroe, Michigan | 50 | $ 12,950,000 | $ 259,000 | $ 132,000 |
| Licking, Ohio | 44 | $ 13,440,000 | $ 305,454 | $ 139,000 |
| Grafton, New Hampshire | 35 | $ 7,965,000 | $ 227,571 | $ 119,000 |
| Erie, Ohio | 27 | $ 4,255,000 | $ 157,592 | $ 161,000 |
| Union, Ohio | 27 | $ 9,785,000 | $ 362,407 | $ 148,000 |
| Ottawa, Ohio | 22 | $ 5,170,000 | $ 235,000 | $ 214,000 |
| Suffolk, Massachusetts | 21 | $ 8,745,000 | $ 416,428 | $ 296,000 |
| Rockingham, New Hampshire | 21 | $ 6,395,000 | $ 304,523 | $ 119,000 |
| Fairfield, Ohio | 20 | $ 7,130,000 | $ 356,500 | $ 164,000 |
| Surry, North Carolina | 18 | $ 2,740,000 | $ 152,222 | $ 72,000 |
| St. Johns, Florida | 17 | $ 4,475,000 | $ 263,235 | $ 133,000 |
| Essex, Massachusetts | 15 | $ 5,155,000 | $ 343,666 | $ 164,000 |
| Windsor, Vermont | 15 | $ 3,085,000 | $ 205,666 | $ 119,000 |
| Wayne, Ohio | 14 | $ 2,520,000 | $ 180,000 | $ 79,000 |
| Middlesex, Massachusetts | 13 | $ 5,005,000 | $ 385,000 | $ 153,000 |
| Ashtabula, Ohio | 13 | $ 1,765,000 | $ 135,769 | $ 89,000 |
| Fulton, Ohio | 13 | $ 3,165,000 | $ 243,461 | $ 94,000 |
| Hamilton, Ohio | 13 | $ 4,265,000 | $ 328,076 | $ 229,000 |
| Sullivan, New Hampshire | 12 | $ 2,380,000 | $ 198,333 | $ 87,000 |
| Monmouth, New Jersey | 12 | $ 3,180,000 | $ 265,000 | $ 114,000 |
| Hancock, Ohio | 12 | $ 3,050,000 | $ 254,166 | $ 142,000 |
| Pickaway, Ohio | 10 | $ 3,060,000 | $ 306,000 | $ 108,000 |
| Washtenaw, Michigan | 9 | $ 3,415,000 | $ 379,444 | $ 112,000 |
| Wayne, Michigan | 9 | $ 1,935,000 | $ 215,000 | $ 128,000 |
| Cumberland, Maine | 8 | $ 2,380,000 | $ 297,500 | $ 104,000 |
| Norfolk, Massachusetts | 8 | $ 3,490,000 | $ 436,250 | $ 123,000 |
| Worcester, Massachusetts | 8 | $ 2,020,000 | $ 252,500 | $ 122,000 |
| Warren, Ohio | 8 | $ 3,260,000 | $ 407,500 | $ 254,000 |
| Montgomery, Pennsylvania | 8 | $ 1,800,000 | $ 225,000 | $ 150,000 |
| Merrimack, New Hampshire | 7 | $ 1,405,000 | $ 200,714 | $ 97,000 |
| Ocean, New Jersey | 7 | $ 2,335,000 | $ 333,571 | $ 125,000 |
| Ashland, Ohio | 7 | $ 1,535,000 | $ 219,285 | $ 100,000 |
| Carroll, Ohio | 7 | $ 1,385,000 | $ 197,857 | $ 131,000 |
| Knox, Ohio | 7 | $ 1,835,000 | $ 262,142 | $ 171,000 |
| Bucks, Pennsylvania | 7 | $ 2,045,000 | $ 292,142 | $ 136,000 |
| Duval, Florida | 6 | $ 920,000 | $ 153,333 | $ 68,000 |
| Plymouth, Massachusetts | 6 | $ 1,910,000 | $ 318,333 | $ 114,000 |
| Lenawee, Michigan | 6 | $ 1,770,000 | $ 295,000 | $ 132,000 |
| Strafford, New Hampshire | 6 | $ 1,570,000 | $ 261,666 | $ 137,000 |
| Henry, Ohio | 6 | $ 2,200,000 | $ 366,666 | $ 119,000 |
| Madison, Ohio | 6 | $ 2,320,000 | $ 386,666 | $ 170,000 |
| Mahoning, Ohio | 6 | $ 980,000 | $ 163,333 | $ 84,000 |
| Sandusky, Ohio | 6 | $ 1,600,000 | $ 266,666 | $ 114,000 |
| Chittenden, Vermont | 6 | $ 1,470,000 | $ 245,000 | $ 109,000 |
| Lee, Florida | 5 | $ 1,445,000 | $ 289,000 | $ 178,000 |
| Oxford, Maine | 5 | $ 885,000 | $ 177,000 | $ 202,000 |
| Orange, Vermont | 5 | $ 855,000 | $ 171,000 | $ 132,000 |
| Palm Beach, Florida | 4 | $ 1,550,000 | $ 387,500 | $ 215,000 |
| Bristol, Massachusetts | 4 | $ 1,010,000 | $ 252,500 | $ 65,000 |
| Hampden, Massachusetts | 4 | $ 620,000 | $ 155,000 | $ 141,000 |
| Carroll, New Hampshire | 4 | $ 770,000 | $ 192,500 | $ 149,000 |
| Hillsborough, New Hampshire | 4 | $ 970,000 | $ 242,500 | $ 103,000 |
| Butler, Ohio | 4 | $ 670,000 | $ 167,500 | $ 105,000 |
| Hocking, Ohio | 4 | $ 750,000 | $ 187,500 | $ 161,000 |
| Montgomery, Ohio | 4 | $ 1,340,000 | $ 335,000 | $ 225,000 |
| Williams, Ohio | 4 | $ 1,120,000 | $ 280,000 | $ 100,000 |
| Campbell, Kentucky | 3 | $ 1,435,000 | $ 478,333 | $ 213,000 |
| Livingston, Michigan | 3 | $ 1,075,000 | $ 358,333 | $ 90,000 |
| Oakland, Michigan | 3 | $ 375,000 | $ 125,000 | $ 177,000 |
| Morris, New Jersey | 3 | $ 1,025,000 | $ 341,666 | $ 124,000 |
| Clark, Ohio | 3 | $ 655,000 | $ 218,333 | $ 106,000 |
| Perry, Ohio | 3 | $ 905,000 | $ 301,666 | $ 181,000 |
| Seneca, Ohio | 3 | $ 1,085,000 | $ 361,666 | $ 134,000 |
| Delaware, Pennsylvania | 3 | $ 655,000 | $ 218,333 | $ 138,000 |
| Philadelphia, Pennsylvania | 3 | $ 575,000 | $ 191,666 | $ 134,000 |
| Beaufort, South Carolina | 3 | $ 685,000 | $ 228,333 | $ 99,000 |
| Collier, Florida | 2 | $ 390,000 | $ 195,000 | $ 216,000 |
| Hillsborough, Florida | 2 | $ 370,000 | $ 185,000 | $ 115,000 |
| Miami-Dade, Florida | 2 | $ 1,000,000 | $ 500,000 | $ 561,000 |
| Pinellas, Florida | 2 | $ 670,000 | $ 335,000 | $ 217,000 |
| York, Maine | 2 | $ 520,000 | $ 260,000 | $ 85,000 |
| Belknap, New Hampshire | 2 | $ 370,000 | $ 185,000 | $ 61,000 |
| Cape May, New Jersey | 2 | $ 420,000 | $ 210,000 | $ 135,000 |
| Champaign, Ohio | 2 | $ 510,000 | $ 255,000 | $ 119,000 |
| Columbiana, Ohio | 2 | $ 480,000 | $ 240,000 | $ 114,000 |
| Guernsey, Ohio | 2 | $ 290,000 | $ 145,000 | $ 84,000 |
| Jefferson, Ohio | 2 | $ 440,000 | $ 220,000 | $ 120,000 |
| Marion, Ohio | 2 | $ 300,000 | $ 150,000 | $ 59,000 |
| Morrow, Ohio | 2 | $ 530,000 | $ 265,000 | $ 107,000 |
| Muskingum, Ohio | 2 | $ 750,000 | $ 375,000 | $ 174,000 |
| Putnam, Ohio | 2 | $ 740,000 | $ 370,000 | $ 131,000 |
| Richland, Ohio | 2 | $ 360,000 | $ 180,000 | $ 102,000 |
| Ross, Ohio | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Shelby, Ohio | 2 | $ 110,000 | $ 55,000 | $ 53,000 |
| Campbell, Tennessee | 2 | $ 910,000 | $ 455,000 | $ 354,000 |
| Addison, Vermont | 2 | $ 480,000 | $ 240,000 | $ 109,000 |
| Carroll, Virginia | 2 | $ 400,000 | $ 200,000 | $ 98,000 |
| Falls Church, Virginia | 2 | $ 2,240,000 | $ 1,120,000 | $ 456,000 |
| Grayson, Virginia | 2 | $ 300,000 | $ 150,000 | $ 43,000 |
| Pinal, Arizona | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Hartford, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| New Haven, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Alachua, Florida | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Charlotte, Florida | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Indian River, Florida | 1 | $ 265,000 | $ 265,000 | $ 68,000 |
| Sarasota, Florida | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Sumter, Florida | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Lake, Illinois | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Dearborn, Indiana | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Kosciusko, Indiana | 1 | $ 245,000 | $ 245,000 | $ 174,000 |
| St. Joseph, Indiana | 1 | $ 85,000 | $ 85,000 | $ 382,000 |
| Jefferson, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 119,000 |
| Kenton, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Oldham, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Hancock, Maine | 1 | $ 185,000 | $ 185,000 | $ 39,000 |
| Kennebec, Maine | 1 | $ 155,000 | $ 155,000 | $ 175,000 |
| Lincoln, Maine | 1 | $ 425,000 | $ 425,000 | $ 151,000 |
| Somerset, Maine | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Dukes, Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 192,000 |
| Hampshire, Massachusetts | 1 | $ 535,000 | $ 535,000 | $ 140,000 |
| Nantucket, Massachusetts | 1 | $ 535,000 | $ 535,000 | $ 373,000 |
| Branch, Michigan | 1 | $ 225,000 | $ 225,000 | $ 162,000 |
| Clare, Michigan | 1 | $ 135,000 | $ 135,000 | $ 165,000 |
| Iosco, Michigan | 1 | $ 45,000 | $ 45,000 | $ 122,000 |
| Jackson, Michigan | 1 | $ 585,000 | $ 585,000 | $ 291,000 |
| Kent, Michigan | 1 | $ 375,000 | $ 375,000 | $ 250,000 |
| Leelanau, Michigan | 1 | $ 245,000 | $ 245,000 | $ 137,000 |
| Mackinac, Michigan | 1 | $ 245,000 | $ 245,000 | $ 165,000 |
| Macomb, Michigan | 1 | $ 145,000 | $ 145,000 | $ 115,000 |
| Burlington, New Jersey | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Passaic, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 128,000 |
| Union, New Jersey | 1 | $ 435,000 | $ 435,000 | $ 138,000 |
| Cattaraugus, New York | 1 | $ 75,000 | $ 75,000 | $ 192,000 |
| Forsyth, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Haywood, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Wake, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 212,000 |
| Allen, Ohio | 1 | $ 415,000 | $ 415,000 | $ 143,000 |
| Athens, Ohio | 1 | $ 165,000 | $ 165,000 | $ 67,000 |
| Brown, Ohio | 1 | $ 395,000 | $ 395,000 | $ 141,000 |
| Clermont, Ohio | 1 | $ 355,000 | $ 355,000 | $ 136,000 |
| Greene, Ohio | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Hardin, Ohio | 1 | $ 205,000 | $ 205,000 | $ 181,000 |
| Harrison, Ohio | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Huron, Ohio | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Jackson, Ohio | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Logan, Ohio | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Trumbull, Ohio | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
| Wyandot, Ohio | 1 | $ 185,000 | $ 185,000 | $ 192,000 |
| Allegheny, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Chester, Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Columbia, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Bennington, Vermont | 1 | $ 225,000 | $ 225,000 | $ 410,000 |
| Windham, Vermont | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Arlington, Virginia | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Galax, Virginia | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Norfolk, Virginia | 1 | $ 415,000 | $ 415,000 | $ 360,000 |
| Portsmouth, Virginia | 1 | $ 555,000 | $ 555,000 | $ 375,000 |
| Pleasants, West Virginia | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Wood, West Virginia | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
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 | 3,035 | $694,585,000 | $228,000 | $1,605,000 | $129,000 | $1,846,000 |
| Cash-out Refinancing | 473 | $92,295,000 | $195,000 | $1,005,000 | $127,000 | $752,000 |
| Refinancing | 453 | $88,045,000 | $194,000 | $2,155,000 | $158,000 | $3,251,000 |
| Other Purpose | 139 | $18,225,000 | $131,000 | $615,000 | $135,000 | $671,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 3,434 | $742,670,000 | $216,000 | $2,155,000 | $131,000 | $3,251,000 |
| Not Provided | 350 | $74,570,000 | $213,000 | $845,000 | $152,000 | $989,000 |
| Asian | 135 | $34,515,000 | $255,000 | $805,000 | $139,000 | $561,000 |
| Black or African American | 80 | $16,090,000 | $201,000 | $605,000 | $101,000 | $514,000 |
| Hispanic | 77 | $12,815,000 | $166,000 | $435,000 | $99,000 | $535,000 |
| Not applicable | 19 | $11,315,000 | $595,000 | $1,605,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $695,000 | $231,000 | $475,000 | $77,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $355,000 | $355,000 | $355,000 | $110,000 | $110,000 |
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) | 3,808 | $843,990,000 | $221,000 | $2,155,000 | $137,000 | $3,251,000 |
| FHA-insured (Federal Housing Administration) | 241 | $39,645,000 | $164,000 | $635,000 | $69,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,525,000 | $210,000 | $435,000 | $77,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,990,000 | $149,000 | $235,000 | $62,000 | $118,000 |
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 | 3,283 | $715,385,000 | $217,000 | $1,605,000 | $132,000 | $2,965,000 |
| Application Withdrawn By Applicant | 513 | $114,295,000 | $222,000 | $2,155,000 | $146,000 | $3,251,000 |
| Application Denied By Financial Institution | 169 | $29,675,000 | $175,000 | $1,335,000 | $91,000 | $400,000 |
| File Closed For Incompleteness | 98 | $26,890,000 | $274,000 | $825,000 | $141,000 | $576,000 |
| Application Approved But Not Accepted | 37 | $6,905,000 | $186,000 | $655,000 | $103,000 | $380,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,931 | $863,475,000 | $219,000 | $2,155,000 | $134,000 | $3,251,000 |
| Collateral | 54 | $9,580,000 | $177,000 | $455,000 | $111,000 | $400,000 |
| Credit History | 42 | $7,120,000 | $169,000 | $1,335,000 | $96,000 | $375,000 |
| Debt-To-Income Ratio | 34 | $6,450,000 | $189,000 | $495,000 | $62,000 | $198,000 |
| Other | 20 | $3,830,000 | $191,000 | $415,000 | $107,000 | $246,000 |
| Employment History | 9 | $1,195,000 | $132,000 | $265,000 | $68,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,240,000 | $155,000 | $225,000 | $48,000 | $70,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $145,000 | $68,000 | $81,000 |
| 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 2018 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