First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2019
In 2019, First Federal S&L of Lakewood of Lakewood, OH reported 4,364 mortgage applications totaling $1.0 billion, up 6% from 2018. The average application was for $235,469, and applicants reported an average income of $139,379. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (2,382), Columbus, OH (439) and Akron, OH (294) (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 | 4,364 |
| Total Mortgage Loan Application Amount | $1,027,590,000 |
| Average Mortgage Loan Application Amount | $235,469 |
| Highest Mortgage Loan Application Amount | $1,775,000 |
| Average Applicant Income | $139,379 |
| Highest Applicant Income | $3,060,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,481 | $ 299,995,000 | $ 202,562 | $ 135,000 |
| Lorain, Ohio | 407 | $ 84,485,000 | $ 207,579 | $ 112,000 |
| Summit, Ohio | 249 | $ 57,335,000 | $ 230,261 | $ 140,000 |
| Lake, Ohio | 226 | $ 41,480,000 | $ 183,539 | $ 101,000 |
| Lucas, Ohio | 179 | $ 42,215,000 | $ 235,837 | $ 133,000 |
| Medina, Ohio | 179 | $ 39,895,000 | $ 222,877 | $ 114,000 |
| Franklin, Ohio | 176 | $ 50,660,000 | $ 287,840 | $ 148,000 |
| Delaware, Ohio | 124 | $ 48,770,000 | $ 393,306 | $ 208,000 |
| Geauga, Ohio | 89 | $ 27,875,000 | $ 313,202 | $ 186,000 |
| Licking, Ohio | 68 | $ 20,070,000 | $ 295,147 | $ 165,000 |
| Wood, Ohio | 67 | $ 17,615,000 | $ 262,910 | $ 146,000 |
| Monroe, Michigan | 48 | $ 14,760,000 | $ 307,500 | $ 195,000 |
| Portage, Ohio | 45 | $ 11,025,000 | $ 245,000 | $ 124,000 |
| Tuscarawas, Ohio | 44 | $ 7,040,000 | $ 160,000 | $ 80,000 |
| Stark, Ohio | 37 | $ 7,105,000 | $ 192,027 | $ 119,000 |
| Marion, Indiana | 35 | $ 2,495,000 | $ 71,285 | $ 126,000 |
| Suffolk, Massachusetts | 33 | $ 16,525,000 | $ 500,757 | $ 299,000 |
| Erie, Ohio | 30 | $ 5,470,000 | $ 182,333 | $ 148,000 |
| Union, Ohio | 30 | $ 11,730,000 | $ 391,000 | $ 212,000 |
| Surry, North Carolina | 29 | $ 5,365,000 | $ 185,000 | $ 93,000 |
| Montgomery, Pennsylvania | 29 | $ 8,105,000 | $ 279,482 | $ 113,000 |
| Wayne, Michigan | 27 | $ 6,885,000 | $ 255,000 | $ 156,000 |
| Cumberland, Maine | 26 | $ 7,110,000 | $ 273,461 | $ 103,000 |
| Grafton, New Hampshire | 26 | $ 6,590,000 | $ 253,461 | $ 130,000 |
| Ottawa, Ohio | 25 | $ 6,545,000 | $ 261,800 | $ 190,000 |
| Windsor, Vermont | 25 | $ 5,995,000 | $ 239,800 | $ 158,000 |
| Fairfield, Ohio | 22 | $ 7,530,000 | $ 342,272 | $ 142,000 |
| Rockingham, New Hampshire | 21 | $ 6,035,000 | $ 287,380 | $ 181,000 |
| St. Johns, Florida | 17 | $ 4,615,000 | $ 271,470 | $ 158,000 |
| Ashtabula, Ohio | 17 | $ 2,385,000 | $ 140,294 | $ 113,000 |
| Oakland, Michigan | 16 | $ 3,960,000 | $ 247,500 | $ 109,000 |
| Middlesex, Massachusetts | 15 | $ 6,325,000 | $ 421,666 | $ 179,000 |
| Washtenaw, Michigan | 14 | $ 5,030,000 | $ 359,285 | $ 145,000 |
| Norfolk, Massachusetts | 13 | $ 5,655,000 | $ 435,000 | $ 154,000 |
| Hillsborough, New Hampshire | 13 | $ 3,125,000 | $ 240,384 | $ 109,000 |
| Duval, Florida | 12 | $ 3,310,000 | $ 275,833 | $ 177,000 |
| York, Maine | 12 | $ 2,680,000 | $ 223,333 | $ 109,000 |
| Ocean, New Jersey | 12 | $ 3,410,000 | $ 284,166 | $ 112,000 |
| Hamilton, Ohio | 12 | $ 4,950,000 | $ 412,500 | $ 239,000 |
| Warren, Ohio | 12 | $ 3,980,000 | $ 331,666 | $ 222,000 |
| Wayne, Ohio | 12 | $ 1,660,000 | $ 138,333 | $ 62,000 |
| Philadelphia, Pennsylvania | 12 | $ 2,570,000 | $ 214,166 | $ 100,000 |
| Merrimack, New Hampshire | 11 | $ 2,425,000 | $ 220,454 | $ 96,000 |
| Bucks, Pennsylvania | 11 | $ 3,405,000 | $ 309,545 | $ 154,000 |
| Lancaster, Pennsylvania | 11 | $ 2,275,000 | $ 206,818 | $ 91,000 |
| Essex, Massachusetts | 10 | $ 3,510,000 | $ 351,000 | $ 124,000 |
| Trumbull, Ohio | 9 | $ 1,045,000 | $ 116,111 | $ 69,000 |
| Sullivan, New Hampshire | 8 | $ 1,650,000 | $ 206,250 | $ 100,000 |
| Monmouth, New Jersey | 8 | $ 2,150,000 | $ 268,750 | $ 110,000 |
| Huron, Ohio | 8 | $ 1,670,000 | $ 208,750 | $ 387,000 |
| Wake, North Carolina | 7 | $ 2,145,000 | $ 306,428 | $ 141,000 |
| Hancock, Ohio | 7 | $ 2,135,000 | $ 305,000 | $ 127,000 |
| Montgomery, Ohio | 7 | $ 1,595,000 | $ 227,857 | $ 243,000 |
| Broward, Florida | 6 | $ 2,930,000 | $ 488,333 | $ 209,000 |
| Fayette, Kentucky | 6 | $ 1,640,000 | $ 273,333 | $ 151,000 |
| Plymouth, Massachusetts | 6 | $ 1,860,000 | $ 310,000 | $ 108,000 |
| Livingston, Michigan | 6 | $ 2,050,000 | $ 341,666 | $ 172,000 |
| Mahoning, Ohio | 6 | $ 1,400,000 | $ 233,333 | $ 151,000 |
| Morrow, Ohio | 6 | $ 1,880,000 | $ 313,333 | $ 170,000 |
| Richland, Ohio | 6 | $ 1,080,000 | $ 180,000 | $ 84,000 |
| Collier, Florida | 5 | $ 2,255,000 | $ 451,000 | $ 599,000 |
| Ashland, Ohio | 5 | $ 945,000 | $ 189,000 | $ 93,000 |
| Carroll, Ohio | 5 | $ 905,000 | $ 181,000 | $ 149,000 |
| Knox, Ohio | 5 | $ 1,355,000 | $ 271,000 | $ 106,000 |
| Perry, Ohio | 5 | $ 1,325,000 | $ 265,000 | $ 238,000 |
| Pickaway, Ohio | 5 | $ 1,735,000 | $ 347,000 | $ 135,000 |
| Chester, Pennsylvania | 5 | $ 1,565,000 | $ 313,000 | $ 164,000 |
| Delaware, Pennsylvania | 5 | $ 1,785,000 | $ 357,000 | $ 114,000 |
| Carroll, Virginia | 5 | $ 915,000 | $ 183,000 | $ 92,000 |
| Alachua, Florida | 4 | $ 970,000 | $ 242,500 | $ 60,000 |
| Palm Beach, Florida | 4 | $ 1,670,000 | $ 417,500 | $ 155,000 |
| Jefferson, Kentucky | 4 | $ 1,810,000 | $ 452,500 | $ 260,000 |
| Kennebec, Maine | 4 | $ 620,000 | $ 155,000 | $ 47,000 |
| Lenawee, Michigan | 4 | $ 1,130,000 | $ 282,500 | $ 166,000 |
| Strafford, New Hampshire | 4 | $ 1,020,000 | $ 255,000 | $ 207,000 |
| Fulton, Ohio | 4 | $ 1,410,000 | $ 352,500 | $ 106,000 |
| Centre, Pennsylvania | 4 | $ 950,000 | $ 237,500 | $ 126,000 |
| Shelby, Tennessee | 4 | $ 210,000 | $ 52,500 | $ 185,000 |
| Orange, Vermont | 4 | $ 1,000,000 | $ 250,000 | $ 114,000 |
| Lee, Florida | 3 | $ 815,000 | $ 271,666 | $ 398,000 |
| Will, Illinois | 3 | $ 315,000 | $ 105,000 | $ 174,000 |
| Sagadahoc, Maine | 3 | $ 545,000 | $ 181,666 | $ 59,000 |
| Jackson, Michigan | 3 | $ 1,115,000 | $ 371,666 | $ 176,000 |
| Belknap, New Hampshire | 3 | $ 1,005,000 | $ 335,000 | $ 158,000 |
| Carroll, New Hampshire | 3 | $ 665,000 | $ 221,666 | $ 199,000 |
| Allen, Ohio | 3 | $ 605,000 | $ 201,666 | $ 93,000 |
| Crawford, Ohio | 3 | $ 725,000 | $ 241,666 | $ 148,000 |
| Holmes, Ohio | 3 | $ 595,000 | $ 198,333 | $ 46,000 |
| Madison, Ohio | 3 | $ 1,055,000 | $ 351,666 | $ 178,000 |
| Sandusky, Ohio | 3 | $ 745,000 | $ 248,333 | $ 125,000 |
| Galax, Virginia | 3 | $ 385,000 | $ 128,333 | $ 40,000 |
| Monongalia, West Virginia | 3 | $ 0 | $ 0 | $ 489,000 |
| Manatee, Florida | 2 | $ 570,000 | $ 285,000 | $ 131,000 |
| Miami-Dade, Florida | 2 | $ 1,060,000 | $ 530,000 | $ 348,000 |
| Orange, Florida | 2 | $ 440,000 | $ 220,000 | $ 56,000 |
| Pinellas, Florida | 2 | $ 330,000 | $ 165,000 | $ 162,000 |
| Sarasota, Florida | 2 | $ 540,000 | $ 270,000 | $ 111,000 |
| Hamilton, Indiana | 2 | $ 610,000 | $ 305,000 | $ 223,000 |
| Campbell, Kentucky | 2 | $ 1,020,000 | $ 510,000 | $ 286,000 |
| Oldham, Kentucky | 2 | $ 420,000 | $ 210,000 | $ 123,000 |
| Androscoggin, Maine | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Waldo, Maine | 2 | $ 390,000 | $ 195,000 | $ 38,000 |
| Hampshire, Massachusetts | 2 | $ 700,000 | $ 350,000 | $ 128,000 |
| Worcester, Massachusetts | 2 | $ 640,000 | $ 320,000 | $ 122,000 |
| Macomb, Michigan | 2 | $ 200,000 | $ 100,000 | $ 39,000 |
| Cape May, New Jersey | 2 | $ 740,000 | $ 370,000 | $ 225,000 |
| Forsyth, North Carolina | 2 | $ 370,000 | $ 185,000 | $ 80,000 |
| Butler, Ohio | 2 | $ 490,000 | $ 245,000 | $ 97,000 |
| Champaign, Ohio | 2 | $ 390,000 | $ 195,000 | $ 98,000 |
| Clermont, Ohio | 2 | $ 460,000 | $ 230,000 | $ 109,000 |
| Greene, Ohio | 2 | $ 1,040,000 | $ 520,000 | $ 334,000 |
| Henry, Ohio | 2 | $ 750,000 | $ 375,000 | $ 108,000 |
| Logan, Ohio | 2 | $ 270,000 | $ 135,000 | $ 84,000 |
| Putnam, Ohio | 2 | $ 730,000 | $ 365,000 | $ 161,000 |
| Washington, Ohio | 2 | $ 600,000 | $ 300,000 | $ 280,000 |
| Williams, Ohio | 2 | $ 440,000 | $ 220,000 | $ 86,000 |
| Jefferson, Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Charleston, South Carolina | 2 | $ 1,250,000 | $ 625,000 | $ 628,000 |
| York, South Carolina | 2 | $ 670,000 | $ 335,000 | $ 167,000 |
| Davidson, Tennessee | 2 | $ 970,000 | $ 485,000 | $ 510,000 |
| Sevier, Tennessee | 2 | $ 970,000 | $ 485,000 | $ 125,000 |
| Chittenden, Vermont | 2 | $ 450,000 | $ 225,000 | $ 148,000 |
| Grayson, Virginia | 2 | $ 230,000 | $ 115,000 | $ 45,000 |
| Harrison, West Virginia | 2 | $ 580,000 | $ 290,000 | $ 137,000 |
| Kanawha, West Virginia | 2 | $ 165,000 | $ 82,500 | $ 217,000 |
| Marion, West Virginia | 2 | $ 530,000 | $ 265,000 | $ 96,000 |
| Wood, West Virginia | 2 | $ 500,000 | $ 250,000 | $ 161,000 |
| Brevard, Florida | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Charlotte, Florida | 1 | $ 335,000 | $ 335,000 | $ 146,000 |
| Flagler, Florida | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Hillsborough, Florida | 1 | $ 485,000 | $ 485,000 | $ 325,000 |
| Indian River, Florida | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Marion, Florida | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Monroe, Florida | 1 | $ 555,000 | $ 555,000 | $ 608,000 |
| Volusia, Florida | 1 | $ 805,000 | $ 805,000 | $ 198,000 |
| Wakulla, Florida | 1 | $ 405,000 | $ 405,000 | $ 839,000 |
| DeKalb, Georgia | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Allen, Indiana | 1 | $ 135,000 | $ 135,000 | $ 417,000 |
| Hancock, Indiana | 1 | $ 95,000 | $ 95,000 | $ 148,000 |
| Marshall, Indiana | 1 | $ 175,000 | $ 175,000 | $ 259,000 |
| Morgan, Indiana | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Bourbon, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 130,000 |
| Bullitt, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 131,000 |
| Jessamine, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 232,000 |
| Franklin, Maine | 1 | $ 285,000 | $ 285,000 | $ 96,000 |
| Lincoln, Maine | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| Penobscot, Maine | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Bristol, Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Dukes, Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 192,000 |
| Nantucket, Massachusetts | 1 | $ 495,000 | $ 495,000 | $ 373,000 |
| Berrien, Michigan | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Eaton, Michigan | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Genesee, Michigan | 1 | $ 235,000 | $ 235,000 | $ 300,000 |
| Ingham, Michigan | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Kent, Michigan | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Oscoda, Michigan | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Wexford, Michigan | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Atlantic, New Jersey | 1 | $ 225,000 | $ 225,000 | $ 238,000 |
| Cumberland, New Jersey | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Essex, New Jersey | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| Middlesex, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 173,000 |
| Morris, New Jersey | 1 | $ 315,000 | $ 315,000 | $ 142,000 |
| Sussex, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 435,000 | $ 435,000 | $ 318,000 |
| Iredell, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 194,000 |
| Pender, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Athens, Ohio | 1 | $ 275,000 | $ 275,000 | $ 167,000 |
| Clark, Ohio | 1 | $ 315,000 | $ 315,000 | $ 175,000 |
| Columbiana, Ohio | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Coshocton, Ohio | 1 | $ 215,000 | $ 215,000 | $ 81,000 |
| Defiance, Ohio | 1 | $ 415,000 | $ 415,000 | $ 192,000 |
| Miami, Ohio | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Muskingum, Ohio | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Seneca, Ohio | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Adams, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 116,000 |
| Allegheny, Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 425,000 |
| Carbon, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Mifflin, Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Monroe, Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| York, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Aiken, South Carolina | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Anderson, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Beaufort, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Berkeley, South Carolina | 1 | $ 335,000 | $ 335,000 | $ 212,000 |
| Greenwood, South Carolina | 1 | $ 415,000 | $ 415,000 | $ 109,000 |
| Horry, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 626,000 |
| Lancaster, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Addison, Vermont | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Caledonia, Vermont | 1 | $ 285,000 | $ 285,000 | $ 152,000 |
| Windham, Vermont | 1 | $ 205,000 | $ 205,000 | $ 337,000 |
| Cabell, West Virginia | 1 | $ 895,000 | $ 895,000 | $ 234,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2019
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 | 2,786 | $661,375,000 | $237,000 | $1,775,000 | $131,000 | $1,223,000 |
| Refinancing | 840 | $218,680,000 | $260,000 | $1,095,000 | $170,000 | $3,060,000 |
| Cash-out Refinancing | 575 | $126,105,000 | $219,000 | $1,235,000 | $133,000 | $1,243,000 |
| Other Purpose | 144 | $18,990,000 | $131,000 | $515,000 | $143,000 | $1,068,000 |
| Home Improvement | 12 | $1,330,000 | $110,000 | $415,000 | $134,000 | $461,000 |
| Not Applicable | 7 | $1,110,000 | $277,000 | $305,000 | $259,000 | $726,000 |
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 | 3,628 | $856,075,000 | $236,000 | $1,775,000 | $138,000 | $3,060,000 |
| Not Provided | 395 | $97,150,000 | $246,000 | $1,085,000 | $172,000 | $907,000 |
| Black or African American | 107 | $20,885,000 | $195,000 | $655,000 | $101,000 | $285,000 |
| Hispanic | 103 | $17,695,000 | $171,000 | $945,000 | $91,000 | $424,000 |
| Asian | 97 | $24,845,000 | $256,000 | $1,425,000 | $151,000 | $590,000 |
| Not applicable | 13 | $4,975,000 | $382,000 | $655,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $2,150,000 | $268,000 | $505,000 | $89,000 | $154,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 4,003 | $961,365,000 | $240,000 | $1,775,000 | $145,000 | $3,060,000 |
| FHA-insured (Federal Housing Administration) | 284 | $49,900,000 | $175,000 | $705,000 | $68,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 59 | $13,755,000 | $233,000 | $455,000 | $91,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,570,000 | $142,000 | $255,000 | $52,000 | $84,000 |
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 | 3,418 | $797,800,000 | $233,000 | $1,425,000 | $139,000 | $1,223,000 |
| Application Withdrawn By Applicant | 610 | $148,240,000 | $243,000 | $1,775,000 | $149,000 | $3,060,000 |
| Application Denied By Financial Institution | 193 | $42,335,000 | $219,000 | $1,475,000 | $101,000 | $830,000 |
| File Closed For Incompleteness | 106 | $30,010,000 | $283,000 | $825,000 | $144,000 | $720,000 |
| Application Approved But Not Accepted | 28 | $8,040,000 | $287,000 | $635,000 | $206,000 | $1,020,000 |
| Loan Purchased By The Institution | 9 | $1,165,000 | $233,000 | $305,000 | $258,000 | $726,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,171 | $985,255,000 | $236,000 | $1,775,000 | $141,000 | $3,060,000 |
| Collateral | 52 | $12,590,000 | $242,000 | $1,475,000 | $117,000 | $830,000 |
| Debt-To-Income Ratio | 51 | $11,115,000 | $217,000 | $705,000 | $78,000 | $242,000 |
| Credit History | 46 | $11,190,000 | $243,000 | $705,000 | $125,000 | $612,000 |
| Other | 17 | $2,265,000 | $133,000 | $425,000 | $77,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,815,000 | $165,000 | $455,000 | $95,000 | $217,000 |
| Employment History | 9 | $2,045,000 | $227,000 | $605,000 | $86,000 | $305,000 |
| Unverifiable Information | 5 | $1,065,000 | $213,000 | $405,000 | $88,000 | $172,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $195,000 | $74,000 | $82,000 |
| 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 2019 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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