First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2022
In 2022, First Federal S&L of Lakewood of Lakewood, OH reported 3,431 mortgage applications totaling $939.0 million, down 32% from 2021. The average application was for $273,670, and applicants reported an average income of $165,753. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cleveland-Elyria, OH (1,951), Columbus, OH (333) and Akron, OH (214) (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 | 3,431 |
| Total Mortgage Loan Application Amount | $938,965,000 |
| Average Mortgage Loan Application Amount | $273,670 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $165,753 |
| Highest Applicant Income | $1,230,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,241 | $ 291,675,000 | $ 235,032 | $ 158,000 |
| Lorain, Ohio | 351 | $ 75,385,000 | $ 214,772 | $ 143,000 |
| Summit, Ohio | 169 | $ 38,155,000 | $ 225,769 | $ 141,000 |
| Franklin, Ohio | 155 | $ 51,935,000 | $ 335,064 | $ 200,000 |
| Lake, Ohio | 151 | $ 33,185,000 | $ 219,768 | $ 132,000 |
| Lucas, Ohio | 133 | $ 42,615,000 | $ 320,413 | $ 163,000 |
| Medina, Ohio | 131 | $ 32,875,000 | $ 250,954 | $ 144,000 |
| Hamilton, Ohio | 87 | $ 24,385,000 | $ 280,287 | $ 157,000 |
| Delaware, Ohio | 83 | $ 39,775,000 | $ 479,216 | $ 247,000 |
| Geauga, Ohio | 77 | $ 26,425,000 | $ 343,181 | $ 206,000 |
| Wood, Ohio | 51 | $ 20,555,000 | $ 403,039 | $ 200,000 |
| Portage, Ohio | 45 | $ 11,405,000 | $ 253,444 | $ 158,000 |
| Licking, Ohio | 44 | $ 17,710,000 | $ 402,500 | $ 175,000 |
| Wayne, Michigan | 32 | $ 5,800,000 | $ 181,250 | $ 153,000 |
| Tuscarawas, Ohio | 31 | $ 5,425,000 | $ 175,000 | $ 84,000 |
| Erie, Ohio | 29 | $ 9,425,000 | $ 325,000 | $ 172,000 |
| Monroe, Michigan | 28 | $ 9,750,000 | $ 348,214 | $ 129,000 |
| Butler, Ohio | 27 | $ 4,125,000 | $ 152,777 | $ 325,000 |
| Macomb, Michigan | 24 | $ 1,960,000 | $ 81,666 | $ 151,000 |
| Fairfield, Ohio | 24 | $ 9,620,000 | $ 400,833 | $ 182,000 |
| Stark, Ohio | 24 | $ 4,090,000 | $ 170,416 | $ 105,000 |
| Ashtabula, Ohio | 20 | $ 5,840,000 | $ 292,000 | $ 196,000 |
| Ottawa, Ohio | 19 | $ 7,375,000 | $ 388,157 | $ 333,000 |
| Warren, Ohio | 15 | $ 5,915,000 | $ 394,333 | $ 242,000 |
| Clermont, Ohio | 14 | $ 3,540,000 | $ 252,857 | $ 127,000 |
| Montgomery, Ohio | 13 | $ 1,055,000 | $ 81,153 | $ 92,000 |
| Union, Ohio | 12 | $ 3,900,000 | $ 325,000 | $ 238,000 |
| Shelby, Tennessee | 12 | $ 1,060,000 | $ 88,333 | $ 159,000 |
| Marion, Indiana | 10 | $ 2,160,000 | $ 216,000 | $ 170,000 |
| Oakland, Michigan | 10 | $ 4,060,000 | $ 406,000 | $ 181,000 |
| Washtenaw, Michigan | 10 | $ 3,710,000 | $ 371,000 | $ 201,000 |
| Huron, Ohio | 10 | $ 3,890,000 | $ 389,000 | $ 129,000 |
| Lee, Florida | 9 | $ 3,945,000 | $ 438,333 | $ 288,000 |
| Baltimore City, Maryland | 9 | $ 1,405,000 | $ 156,111 | $ 0 |
| Ashland, Ohio | 9 | $ 2,175,000 | $ 241,666 | $ 91,000 |
| Cook, Illinois | 8 | $ 4,640,000 | $ 580,000 | $ 230,000 |
| Richland, Ohio | 8 | $ 2,290,000 | $ 286,250 | $ 139,000 |
| Hillsborough, Florida | 7 | $ 3,725,000 | $ 532,142 | $ 166,000 |
| Jefferson, Kentucky | 7 | $ 2,975,000 | $ 425,000 | $ 243,000 |
| Trumbull, Ohio | 7 | $ 1,445,000 | $ 206,428 | $ 172,000 |
| Pinellas, Florida | 6 | $ 3,240,000 | $ 540,000 | $ 379,000 |
| Campbell, Kentucky | 6 | $ 1,510,000 | $ 251,666 | $ 159,000 |
| Ingham, Michigan | 6 | $ 370,000 | $ 61,666 | $ 0 |
| Madison, Ohio | 6 | $ 2,720,000 | $ 453,333 | $ 176,000 |
| Pasco, Florida | 5 | $ 1,695,000 | $ 339,000 | $ 180,000 |
| Jackson, Michigan | 5 | $ 2,165,000 | $ 433,000 | $ 138,000 |
| Mecklenburg, North Carolina | 5 | $ 2,805,000 | $ 561,000 | $ 395,000 |
| Fulton, Ohio | 5 | $ 1,405,000 | $ 281,000 | $ 98,000 |
| Broward, Florida | 4 | $ 2,620,000 | $ 655,000 | $ 458,000 |
| Duval, Florida | 4 | $ 3,630,000 | $ 907,500 | $ 419,000 |
| Manatee, Florida | 4 | $ 1,380,000 | $ 345,000 | $ 125,000 |
| Kenton, Kentucky | 4 | $ 1,080,000 | $ 270,000 | $ 130,000 |
| Lenawee, Michigan | 4 | $ 2,180,000 | $ 545,000 | $ 160,000 |
| Jackson, Missouri | 4 | $ 470,000 | $ 117,500 | $ 0 |
| Crawford, Ohio | 4 | $ 1,500,000 | $ 375,000 | $ 178,000 |
| Morrow, Ohio | 4 | $ 1,130,000 | $ 282,500 | $ 92,000 |
| Seneca, Ohio | 4 | $ 990,000 | $ 247,500 | $ 173,000 |
| Allegheny, Pennsylvania | 4 | $ 2,150,000 | $ 537,500 | $ 288,000 |
| Crittenden, Arkansas | 3 | $ 225,000 | $ 75,000 | $ 0 |
| Marion, Florida | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Miami-Dade, Florida | 3 | $ 1,475,000 | $ 491,666 | $ 159,000 |
| Orange, Florida | 3 | $ 2,545,000 | $ 848,333 | $ 417,000 |
| St. Johns, Florida | 3 | $ 1,635,000 | $ 545,000 | $ 226,000 |
| Lake, Indiana | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Fayette, Kentucky | 3 | $ 1,995,000 | $ 665,000 | $ 416,000 |
| Kent, Michigan | 3 | $ 1,325,000 | $ 441,666 | $ 265,000 |
| Carroll, Ohio | 3 | $ 825,000 | $ 275,000 | $ 334,000 |
| Greene, Ohio | 3 | $ 2,135,000 | $ 711,666 | $ 309,000 |
| Knox, Ohio | 3 | $ 1,625,000 | $ 541,666 | $ 538,000 |
| Putnam, Ohio | 3 | $ 1,005,000 | $ 335,000 | $ 170,000 |
| Williams, Ohio | 3 | $ 715,000 | $ 238,333 | $ 129,000 |
| Lawrence, Pennsylvania | 3 | $ 885,000 | $ 295,000 | $ 149,000 |
| Montgomery, Pennsylvania | 3 | $ 2,005,000 | $ 668,333 | $ 198,000 |
| York, Pennsylvania | 3 | $ 1,095,000 | $ 365,000 | $ 274,000 |
| Horry, South Carolina | 3 | $ 1,955,000 | $ 651,666 | $ 106,000 |
| Jefferson, Alabama | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Madison, Alabama | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Pulaski, Arkansas | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Citrus, Florida | 2 | $ 570,000 | $ 285,000 | $ 250,000 |
| Lake, Florida | 2 | $ 930,000 | $ 465,000 | $ 191,000 |
| Palm Beach, Florida | 2 | $ 630,000 | $ 315,000 | $ 95,000 |
| Polk, Florida | 2 | $ 680,000 | $ 340,000 | $ 90,000 |
| Sarasota, Florida | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Boone, Kentucky | 2 | $ 1,070,000 | $ 535,000 | $ 0 |
| Livingston, Louisiana | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Emmet, Michigan | 2 | $ 760,000 | $ 380,000 | $ 350,000 |
| Hillsdale, Michigan | 2 | $ 390,000 | $ 195,000 | $ 252,000 |
| Livingston, Michigan | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Auglaize, Ohio | 2 | $ 850,000 | $ 425,000 | $ 267,000 |
| Brown, Ohio | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Hancock, Ohio | 2 | $ 880,000 | $ 440,000 | $ 90,000 |
| Marion, Ohio | 2 | $ 220,000 | $ 110,000 | $ 67,000 |
| Perry, Ohio | 2 | $ 1,110,000 | $ 555,000 | $ 166,000 |
| Pickaway, Ohio | 2 | $ 430,000 | $ 215,000 | $ 135,000 |
| Sandusky, Ohio | 2 | $ 1,060,000 | $ 530,000 | $ 185,000 |
| Wayne, Ohio | 2 | $ 310,000 | $ 155,000 | $ 75,000 |
| Delaware, Pennsylvania | 2 | $ 870,000 | $ 435,000 | $ 252,000 |
| Hamilton, Tennessee | 2 | $ 1,380,000 | $ 690,000 | $ 305,000 |
| Knox, Tennessee | 2 | $ 920,000 | $ 460,000 | $ 108,000 |
| Alexandria, Virginia | 2 | $ 1,590,000 | $ 795,000 | $ 191,000 |
| Loudoun, Virginia | 2 | $ 1,400,000 | $ 700,000 | $ 391,000 |
| Ohio, West Virginia | 2 | $ 750,000 | $ 375,000 | $ 410,000 |
| Wood, West Virginia | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Manitowoc, Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Tuscaloosa, Alabama | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Maricopa, Arizona | 1 | $ 515,000 | $ 515,000 | $ 0 |
| White, Arkansas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 135,000 | $ 135,000 | $ 0 |
| New Castle, Delaware | 1 | $ 515,000 | $ 515,000 | $ 480,000 |
| Brevard, Florida | 1 | $ 625,000 | $ 625,000 | $ 235,000 |
| Collier, Florida | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Flagler, Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Osceola, Florida | 1 | $ 445,000 | $ 445,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Sumter, Florida | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Volusia, Florida | 1 | $ 795,000 | $ 795,000 | $ 289,000 |
| Walton, Florida | 1 | $ 515,000 | $ 515,000 | $ 409,000 |
| DuPage, Illinois | 1 | $ 595,000 | $ 595,000 | $ 270,000 |
| Lake, Illinois | 1 | $ 675,000 | $ 675,000 | $ 208,000 |
| Macon, Illinois | 1 | $ 225,000 | $ 225,000 | $ 189,000 |
| McHenry, Illinois | 1 | $ 525,000 | $ 525,000 | $ 250,000 |
| Sangamon, Illinois | 1 | $ 415,000 | $ 415,000 | $ 262,000 |
| Boone, Indiana | 1 | $ 375,000 | $ 375,000 | $ 192,000 |
| Dearborn, Indiana | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Johnson, Indiana | 1 | $ 305,000 | $ 305,000 | $ 59,000 |
| St. Joseph, Indiana | 1 | $ 485,000 | $ 485,000 | $ 600,000 |
| Vanderburgh, Indiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Anderson, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 251,000 |
| Daviess, Kentucky | 1 | $ 755,000 | $ 755,000 | $ 410,000 |
| Grant, Kentucky | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Jessamine, Kentucky | 1 | $ 805,000 | $ 805,000 | $ 250,000 |
| Oldham, Kentucky | 1 | $ 635,000 | $ 635,000 | $ 260,000 |
| Pendleton, Kentucky | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Perry, Kentucky | 1 | $ 345,000 | $ 345,000 | $ 512,000 |
| Rowan, Kentucky | 1 | $ 415,000 | $ 415,000 | $ 310,000 |
| Scott, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 134,000 |
| Woodford, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 645,000 | $ 645,000 | $ 400,000 |
| Frederick, Maryland | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Alcona, Michigan | 1 | $ 315,000 | $ 315,000 | $ 153,000 |
| Clare, Michigan | 1 | $ 75,000 | $ 75,000 | $ 148,000 |
| Ogemaw, Michigan | 1 | $ 65,000 | $ 65,000 | $ 73,000 |
| St. Louis City, Missouri | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Erie, New York | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Monroe, New York | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| Rockland, New York | 1 | $ 995,000 | $ 995,000 | $ 425,000 |
| Buncombe, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Chatham, North Carolina | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Cumberland, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Durham, North Carolina | 1 | $ 485,000 | $ 485,000 | $ 375,000 |
| Guilford, North Carolina | 1 | $ 815,000 | $ 815,000 | $ 250,000 |
| Moore, North Carolina | 1 | $ 855,000 | $ 855,000 | $ 184,000 |
| Union, North Carolina | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Wake, North Carolina | 1 | $ 725,000 | $ 725,000 | $ 222,000 |
| Athens, Ohio | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Clark, Ohio | 1 | $ 415,000 | $ 415,000 | $ 157,000 |
| Columbiana, Ohio | 1 | $ 105,000 | $ 105,000 | $ 68,000 |
| Coshocton, Ohio | 1 | $ 285,000 | $ 285,000 | $ 199,000 |
| Gallia, Ohio | 1 | $ 315,000 | $ 315,000 | $ 102,000 |
| Henry, Ohio | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Hocking, Ohio | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Mahoning, Ohio | 1 | $ 535,000 | $ 535,000 | $ 97,000 |
| Miami, Ohio | 1 | $ 1,005,000 | $ 1,005,000 | $ 500,000 |
| Ross, Ohio | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Wyandot, Ohio | 1 | $ 455,000 | $ 455,000 | $ 216,000 |
| Beaver, Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 177,000 |
| Bucks, Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 288,000 |
| Lackawanna, Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 200,000 |
| Lancaster, Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 475,000 |
| Lehigh, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 139,000 |
| Luzerne, Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 225,000 |
| Philadelphia, Pennsylvania | 1 | $ 755,000 | $ 755,000 | $ 316,000 |
| Snyder, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| Anderson, South Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 343,000 |
| Charleston, South Carolina | 1 | $ 725,000 | $ 725,000 | $ 204,000 |
| Georgetown, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Greenville, South Carolina | 1 | $ 505,000 | $ 505,000 | $ 265,000 |
| Greenwood, South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 555,000 | $ 555,000 | $ 203,000 |
| Blount, Tennessee | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| Loudon, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 260,000 |
| Sevier, Tennessee | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Albemarle, Virginia | 1 | $ 935,000 | $ 935,000 | $ 325,000 |
| Arlington, Virginia | 1 | $ 835,000 | $ 835,000 | $ 330,000 |
| Chesterfield, Virginia | 1 | $ 345,000 | $ 345,000 | $ 154,000 |
| Fairfax, Virginia | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
| Gloucester, Virginia | 1 | $ 495,000 | $ 495,000 | $ 340,000 |
| Lynchburg, Virginia | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Poquoson, Virginia | 1 | $ 745,000 | $ 745,000 | $ 281,000 |
| Roanoke, Virginia | 1 | $ 285,000 | $ 285,000 | $ 58,000 |
| Roanoke City, Virginia | 1 | $ 315,000 | $ 315,000 | $ 58,000 |
| York, Virginia | 1 | $ 465,000 | $ 465,000 | $ 110,000 |
| Spokane, Washington | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 945,000 | $ 945,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2022
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 | 2,100 | $712,910,000 | $339,000 | $4,505,000 | $172,000 | $1,230,000 |
| Cash-out Refinancing | 402 | $89,180,000 | $221,000 | $1,305,000 | $140,000 | $884,000 |
| Other Purpose | 356 | $38,950,000 | $109,000 | $505,000 | $149,000 | $992,000 |
| Home Improvement | 347 | $38,385,000 | $110,000 | $925,000 | $167,000 | $1,144,000 |
| Refinancing | 226 | $59,540,000 | $263,000 | $1,445,000 | $178,000 | $1,195,000 |
| 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 | 2,095 | $597,335,000 | $285,000 | $2,065,000 | $158,000 | $1,230,000 |
| Not Provided | 776 | $166,890,000 | $215,000 | $1,345,000 | $172,000 | $1,144,000 |
| Not applicable | 302 | $92,020,000 | $304,000 | $4,505,000 | $0 | $0 |
| Asian | 93 | $37,555,000 | $403,000 | $1,505,000 | $313,000 | $1,150,000 |
| Black or African American | 76 | $16,020,000 | $210,000 | $1,155,000 | $123,000 | $575,000 |
| Hispanic | 57 | $14,855,000 | $260,000 | $1,245,000 | $172,000 | $1,071,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $715,000 | $238,000 | $345,000 | $93,000 | $150,000 |
| American Indian or Alaskan Native | 3 | $1,005,000 | $335,000 | $355,000 | $107,000 | $145,000 |
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) | 3,364 | $924,620,000 | $274,000 | $4,505,000 | $167,000 | $1,230,000 |
| FHA-insured (Federal Housing Administration) | 55 | $11,165,000 | $203,000 | $425,000 | $70,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,615,000 | $290,000 | $555,000 | $116,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $285,000 | $82,000 | $99,000 |
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 | 2,560 | $737,110,000 | $287,000 | $4,505,000 | $171,000 | $1,230,000 |
| Application Withdrawn By Applicant | 382 | $94,390,000 | $247,000 | $1,505,000 | $159,000 | $1,150,000 |
| Loan Purchased By The Institution | 235 | $55,865,000 | $237,000 | $1,305,000 | $0 | $0 |
| Application Denied By Financial Institution | 157 | $28,445,000 | $181,000 | $1,135,000 | $113,000 | $884,000 |
| File Closed For Incompleteness | 61 | $17,575,000 | $288,000 | $1,345,000 | $151,000 | $615,000 |
| Application Approved But Not Accepted | 36 | $5,580,000 | $155,000 | $655,000 | $153,000 | $921,000 |
| 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 | 3,274 | $910,520,000 | $278,000 | $4,505,000 | $169,000 | $1,230,000 |
| Debt-To-Income Ratio | 51 | $8,245,000 | $161,000 | $825,000 | $65,000 | $157,000 |
| Credit History | 39 | $3,555,000 | $91,000 | $505,000 | $126,000 | $360,000 |
| Collateral | 35 | $10,215,000 | $291,000 | $1,135,000 | $145,000 | $436,000 |
| Other | 16 | $3,600,000 | $225,000 | $915,000 | $156,000 | $450,000 |
| Unverifiable Information | 12 | $2,490,000 | $207,000 | $625,000 | $153,000 | $884,000 |
| Employment History | 3 | $285,000 | $95,000 | $135,000 | $29,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| 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 2022 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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