First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2021
In 2021, First Federal S&L of Lakewood of Lakewood, OH reported 5,039 mortgage applications totaling $1.3 billion, down 16% from 2020. The average application was for $266,799, and applicants reported an average income of $145,069. 80% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cleveland-Elyria, OH (3,001), Columbus, OH (497) and Akron, OH (372) (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 | 5,039 |
| Total Mortgage Loan Application Amount | $1,344,405,000 |
| Average Mortgage Loan Application Amount | $266,799 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $145,069 |
| Highest Applicant Income | $2,708,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,848 | $ 410,470,000 | $ 222,115 | $ 137,000 |
| Lorain, Ohio | 508 | $ 127,090,000 | $ 250,177 | $ 132,000 |
| Lake, Ohio | 306 | $ 61,470,000 | $ 200,882 | $ 112,000 |
| Summit, Ohio | 301 | $ 73,495,000 | $ 244,169 | $ 161,000 |
| Medina, Ohio | 217 | $ 56,365,000 | $ 259,746 | $ 128,000 |
| Lucas, Ohio | 192 | $ 53,550,000 | $ 278,906 | $ 136,000 |
| Franklin, Ohio | 174 | $ 53,220,000 | $ 305,862 | $ 187,000 |
| Delaware, Ohio | 149 | $ 65,645,000 | $ 440,570 | $ 205,000 |
| Geauga, Ohio | 122 | $ 39,220,000 | $ 321,475 | $ 159,000 |
| Wood, Ohio | 94 | $ 29,620,000 | $ 315,106 | $ 127,000 |
| Licking, Ohio | 73 | $ 28,765,000 | $ 394,041 | $ 180,000 |
| Portage, Ohio | 71 | $ 19,135,000 | $ 269,507 | $ 148,000 |
| Hamilton, Ohio | 67 | $ 20,285,000 | $ 302,761 | $ 208,000 |
| Monroe, Michigan | 51 | $ 19,715,000 | $ 386,568 | $ 145,000 |
| Stark, Ohio | 49 | $ 14,715,000 | $ 300,306 | $ 140,000 |
| Erie, Ohio | 46 | $ 12,510,000 | $ 271,956 | $ 179,000 |
| Ottawa, Ohio | 35 | $ 11,855,000 | $ 338,714 | $ 187,000 |
| Wayne, Michigan | 32 | $ 9,460,000 | $ 295,625 | $ 162,000 |
| Union, Ohio | 32 | $ 15,360,000 | $ 480,000 | $ 239,000 |
| Tuscarawas, Ohio | 31 | $ 5,925,000 | $ 191,129 | $ 79,000 |
| Fairfield, Ohio | 30 | $ 12,180,000 | $ 406,000 | $ 185,000 |
| Warren, Ohio | 26 | $ 8,710,000 | $ 335,000 | $ 241,000 |
| Butler, Ohio | 25 | $ 6,325,000 | $ 253,000 | $ 145,000 |
| Wayne, Ohio | 23 | $ 5,615,000 | $ 244,130 | $ 130,000 |
| Washtenaw, Michigan | 22 | $ 10,520,000 | $ 478,181 | $ 188,000 |
| Ashtabula, Ohio | 20 | $ 4,370,000 | $ 218,500 | $ 115,000 |
| Lenawee, Michigan | 18 | $ 8,590,000 | $ 477,222 | $ 163,000 |
| Clermont, Ohio | 18 | $ 4,470,000 | $ 248,333 | $ 113,000 |
| Mahoning, Ohio | 17 | $ 5,495,000 | $ 323,235 | $ 178,000 |
| Huron, Ohio | 14 | $ 4,540,000 | $ 324,285 | $ 113,000 |
| Trumbull, Ohio | 14 | $ 3,500,000 | $ 250,000 | $ 117,000 |
| Hancock, Ohio | 13 | $ 5,685,000 | $ 437,307 | $ 141,000 |
| Morrow, Ohio | 13 | $ 4,925,000 | $ 378,846 | $ 141,000 |
| Collier, Florida | 11 | $ 3,955,000 | $ 359,545 | $ 273,000 |
| Boone, Kentucky | 10 | $ 2,800,000 | $ 280,000 | $ 115,000 |
| Oakland, Michigan | 10 | $ 2,860,000 | $ 286,000 | $ 153,000 |
| Richland, Ohio | 10 | $ 3,080,000 | $ 308,000 | $ 111,000 |
| Lee, Florida | 9 | $ 2,725,000 | $ 302,777 | $ 196,000 |
| Campbell, Kentucky | 9 | $ 2,995,000 | $ 332,777 | $ 161,000 |
| Jackson, Michigan | 9 | $ 4,255,000 | $ 472,777 | $ 234,000 |
| Macomb, Michigan | 9 | $ 1,275,000 | $ 141,666 | $ 138,000 |
| Knox, Ohio | 9 | $ 3,375,000 | $ 375,000 | $ 202,000 |
| Madison, Ohio | 9 | $ 2,425,000 | $ 269,444 | $ 113,000 |
| Pickaway, Ohio | 9 | $ 5,735,000 | $ 637,222 | $ 136,000 |
| Marion, Indiana | 8 | $ 760,000 | $ 95,000 | $ 129,000 |
| Clark, Ohio | 8 | $ 2,830,000 | $ 353,750 | $ 139,000 |
| Putnam, Ohio | 8 | $ 3,040,000 | $ 380,000 | $ 144,000 |
| Ashland, Ohio | 7 | $ 1,425,000 | $ 203,571 | $ 80,000 |
| Columbiana, Ohio | 7 | $ 1,905,000 | $ 272,142 | $ 117,000 |
| Henry, Ohio | 7 | $ 2,415,000 | $ 345,000 | $ 113,000 |
| Montgomery, Ohio | 7 | $ 2,075,000 | $ 296,428 | $ 195,000 |
| Muskingum, Ohio | 7 | $ 3,205,000 | $ 457,857 | $ 138,000 |
| Seneca, Ohio | 7 | $ 2,065,000 | $ 295,000 | $ 108,000 |
| Kenton, Kentucky | 6 | $ 2,020,000 | $ 336,666 | $ 94,000 |
| Fulton, Ohio | 6 | $ 2,490,000 | $ 415,000 | $ 140,000 |
| Hamilton, Indiana | 5 | $ 1,405,000 | $ 281,000 | $ 187,000 |
| Hocking, Ohio | 5 | $ 1,135,000 | $ 227,000 | $ 166,000 |
| Sandusky, Ohio | 5 | $ 1,295,000 | $ 259,000 | $ 111,000 |
| Wyandot, Ohio | 5 | $ 1,545,000 | $ 309,000 | $ 124,000 |
| Allegheny, Pennsylvania | 5 | $ 1,275,000 | $ 255,000 | $ 80,000 |
| Alachua, Florida | 4 | $ 1,410,000 | $ 352,500 | $ 157,000 |
| Palm Beach, Florida | 4 | $ 1,980,000 | $ 495,000 | $ 295,000 |
| Warren, Kentucky | 4 | $ 1,150,000 | $ 287,500 | $ 65,000 |
| Livingston, Michigan | 4 | $ 1,800,000 | $ 450,000 | $ 176,000 |
| Brown, Ohio | 4 | $ 1,290,000 | $ 322,500 | $ 144,000 |
| Carroll, Ohio | 4 | $ 1,040,000 | $ 260,000 | $ 174,000 |
| Greene, Ohio | 4 | $ 2,290,000 | $ 572,500 | $ 67,000 |
| Holmes, Ohio | 4 | $ 1,600,000 | $ 400,000 | $ 381,000 |
| Williams, Ohio | 4 | $ 1,330,000 | $ 332,500 | $ 87,000 |
| Beaver, Pennsylvania | 4 | $ 1,390,000 | $ 347,500 | $ 132,000 |
| Butler, Pennsylvania | 4 | $ 1,660,000 | $ 415,000 | $ 218,000 |
| Charlotte, Florida | 3 | $ 845,000 | $ 281,666 | $ 303,000 |
| Orange, Florida | 3 | $ 1,385,000 | $ 461,666 | $ 193,000 |
| Sarasota, Florida | 3 | $ 1,065,000 | $ 355,000 | $ 159,000 |
| Sumter, Florida | 3 | $ 545,000 | $ 181,666 | $ 45,000 |
| Cook, Illinois | 3 | $ 935,000 | $ 311,666 | $ 183,000 |
| Dearborn, Indiana | 3 | $ 1,055,000 | $ 351,666 | $ 0 |
| Jefferson, Kentucky | 3 | $ 2,055,000 | $ 685,000 | $ 290,000 |
| Crawford, Ohio | 3 | $ 645,000 | $ 215,000 | $ 140,000 |
| Miami, Ohio | 3 | $ 1,145,000 | $ 381,666 | $ 134,000 |
| Paulding, Ohio | 3 | $ 595,000 | $ 198,333 | $ 132,000 |
| Perry, Ohio | 3 | $ 955,000 | $ 318,333 | $ 115,000 |
| Scioto, Ohio | 3 | $ 685,000 | $ 228,333 | $ 115,000 |
| Van Wert, Ohio | 3 | $ 665,000 | $ 221,666 | $ 101,000 |
| Beaufort, South Carolina | 3 | $ 1,115,000 | $ 371,666 | $ 78,000 |
| Horry, South Carolina | 3 | $ 775,000 | $ 258,333 | $ 128,000 |
| Hillsborough, Florida | 2 | $ 360,000 | $ 180,000 | $ 205,000 |
| Marion, Florida | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| Pasco, Florida | 2 | $ 410,000 | $ 205,000 | $ 98,000 |
| Franklin, Indiana | 2 | $ 1,100,000 | $ 550,000 | $ 166,000 |
| Hendricks, Indiana | 2 | $ 1,180,000 | $ 590,000 | $ 222,000 |
| Grant, Kentucky | 2 | $ 1,050,000 | $ 525,000 | $ 109,000 |
| Oldham, Kentucky | 2 | $ 1,360,000 | $ 680,000 | $ 390,000 |
| Roscommon, Michigan | 2 | $ 670,000 | $ 335,000 | $ 399,000 |
| Athens, Ohio | 2 | $ 860,000 | $ 430,000 | $ 201,000 |
| Champaign, Ohio | 2 | $ 690,000 | $ 345,000 | $ 110,000 |
| Clinton, Ohio | 2 | $ 950,000 | $ 475,000 | $ 159,000 |
| Coshocton, Ohio | 2 | $ 690,000 | $ 345,000 | $ 94,000 |
| Defiance, Ohio | 2 | $ 850,000 | $ 425,000 | $ 157,000 |
| Fayette, Ohio | 2 | $ 490,000 | $ 245,000 | $ 154,000 |
| Logan, Ohio | 2 | $ 590,000 | $ 295,000 | $ 171,000 |
| Mercer, Ohio | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Brevard, Florida | 1 | $ 335,000 | $ 335,000 | $ 190,000 |
| Broward, Florida | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| Escambia, Florida | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Highlands, Florida | 1 | $ 625,000 | $ 625,000 | $ 315,000 |
| Manatee, Florida | 1 | $ 385,000 | $ 385,000 | $ 240,000 |
| Miami-Dade, Florida | 1 | $ 705,000 | $ 705,000 | $ 235,000 |
| Nassau, Florida | 1 | $ 315,000 | $ 315,000 | $ 365,000 |
| Osceola, Florida | 1 | $ 595,000 | $ 595,000 | $ 401,000 |
| Pinellas, Florida | 1 | $ 425,000 | $ 425,000 | $ 205,000 |
| Polk, Florida | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Santa Rosa, Florida | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| St. Johns, Florida | 1 | $ 305,000 | $ 305,000 | $ 254,000 |
| Volusia, Florida | 1 | $ 795,000 | $ 795,000 | $ 203,000 |
| Walton, Florida | 1 | $ 405,000 | $ 405,000 | $ 246,000 |
| McHenry, Illinois | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Lake, Indiana | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| Scott, Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| St. Joseph, Indiana | 1 | $ 515,000 | $ 515,000 | $ 305,000 |
| Bullitt, Kentucky | 1 | $ 475,000 | $ 475,000 | $ 178,000 |
| Greenup, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 111,000 |
| Madison, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Pendleton, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 57,000 |
| Scott, Kentucky | 1 | $ 765,000 | $ 765,000 | $ 372,000 |
| Anne Arundel, Maryland | 1 | $ 755,000 | $ 755,000 | $ 376,000 |
| Antrim, Michigan | 1 | $ 155,000 | $ 155,000 | $ 504,000 |
| Berrien, Michigan | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Branch, Michigan | 1 | $ 215,000 | $ 215,000 | $ 130,000 |
| Gladwin, Michigan | 1 | $ 395,000 | $ 395,000 | $ 78,000 |
| Otsego, Michigan | 1 | $ 155,000 | $ 155,000 | $ 416,000 |
| Missoula, Montana | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Chautauqua, New York | 1 | $ 105,000 | $ 105,000 | $ 297,000 |
| Queens, New York | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Iredell, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Mitchell, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| New Hanover, North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pender, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Surry, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Wake, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Allen, Ohio | 1 | $ 515,000 | $ 515,000 | $ 231,000 |
| Auglaize, Ohio | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Gallia, Ohio | 1 | $ 325,000 | $ 325,000 | $ 223,000 |
| Guernsey, Ohio | 1 | $ 165,000 | $ 165,000 | $ 108,000 |
| Lawrence, Ohio | 1 | $ 445,000 | $ 445,000 | $ 425,000 |
| Marion, Ohio | 1 | $ 365,000 | $ 365,000 | $ 94,000 |
| Noble, Ohio | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Pike, Ohio | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Ross, Ohio | 1 | $ 495,000 | $ 495,000 | $ 138,000 |
| Washington, Ohio | 1 | $ 385,000 | $ 385,000 | $ 213,000 |
| Crawford, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 215,000 |
| Montgomery, Pennsylvania | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| Venango, Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Washington, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Charleston, South Carolina | 1 | $ 665,000 | $ 665,000 | $ 640,000 |
| Jasper, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Campbell, Tennessee | 1 | $ 445,000 | $ 445,000 | $ 358,000 |
| Davidson, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 376,000 |
| Henrico, Virginia | 1 | $ 805,000 | $ 805,000 | $ 320,000 |
| Cabell, West Virginia | 1 | $ 865,000 | $ 865,000 | $ 263,000 |
| Kanawha, West Virginia | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| Wetzel, West Virginia | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2021
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 | 2,606 | $778,130,000 | $298,000 | $2,155,000 | $146,000 | $2,708,000 |
| Refinancing | 1,557 | $374,005,000 | $240,000 | $2,805,000 | $149,000 | $1,765,000 |
| Cash-out Refinancing | 784 | $177,900,000 | $226,000 | $2,705,000 | $132,000 | $851,000 |
| Other Purpose | 91 | $14,245,000 | $156,000 | $805,000 | $165,000 | $1,676,000 |
| Home Improvement | 1 | $125,000 | $125,000 | $125,000 | $31,000 | $31,000 |
| 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 | 3,961 | $1,032,915,000 | $260,000 | $1,855,000 | $142,000 | $2,708,000 |
| Not Provided | 543 | $154,625,000 | $284,000 | $1,485,000 | $166,000 | $1,625,000 |
| Not applicable | 167 | $54,935,000 | $328,000 | $2,805,000 | $0 | $0 |
| Asian | 137 | $45,715,000 | $333,000 | $1,155,000 | $176,000 | $675,000 |
| Black or African American | 97 | $20,795,000 | $214,000 | $745,000 | $122,000 | $650,000 |
| Hispanic | 93 | $20,365,000 | $218,000 | $635,000 | $119,000 | $570,000 |
| American Indian or Alaskan Native | 10 | $2,470,000 | $247,000 | $445,000 | $150,000 | $458,000 |
| 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) | 4,901 | $1,316,325,000 | $268,000 | $2,805,000 | $147,000 | $2,708,000 |
| FHA-insured (Federal Housing Administration) | 90 | $15,410,000 | $171,000 | $355,000 | $65,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 47 | $12,405,000 | $263,000 | $545,000 | $114,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
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 | 4,049 | $1,087,795,000 | $268,000 | $2,805,000 | $144,000 | $2,708,000 |
| Application Withdrawn By Applicant | 518 | $135,570,000 | $261,000 | $1,275,000 | $157,000 | $1,676,000 |
| File Closed For Incompleteness | 168 | $50,420,000 | $300,000 | $1,505,000 | $152,000 | $851,000 |
| Application Denied By Financial Institution | 141 | $32,845,000 | $232,000 | $825,000 | $113,000 | $768,000 |
| Loan Purchased By The Institution | 124 | $28,600,000 | $230,000 | $805,000 | $0 | $0 |
| Application Approved But Not Accepted | 39 | $9,175,000 | $235,000 | $715,000 | $122,000 | $398,000 |
| 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 | 4,898 | $1,311,560,000 | $267,000 | $2,805,000 | $146,000 | $2,708,000 |
| Collateral | 51 | $12,615,000 | $247,000 | $825,000 | $134,000 | $515,000 |
| Debt-To-Income Ratio | 34 | $7,940,000 | $233,000 | $555,000 | $101,000 | $768,000 |
| Credit History | 31 | $5,995,000 | $193,000 | $525,000 | $98,000 | $338,000 |
| Unverifiable Information | 8 | $1,840,000 | $230,000 | $395,000 | $96,000 | $202,000 |
| Employment History | 6 | $1,600,000 | $266,000 | $545,000 | $69,000 | $126,000 |
| Other | 6 | $1,720,000 | $286,000 | $615,000 | $145,000 | $428,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,135,000 | $227,000 | $345,000 | $99,000 | $184,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2021 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