First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2024
In 2024, First Federal S&L of Lakewood of Lakewood, OH reported 2,027 mortgage applications totaling $545.8 million, down 12% from 2023. The average application was for $269,282, and applicants reported an average income of $183,755. 66% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Cleveland, OH (1,242), Cincinnati, OH-KY-IN (170) and Columbus, OH (155) (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 | 2,027 |
| Total Mortgage Loan Application Amount | $545,835,000 |
| Average Mortgage Loan Application Amount | $269,282 |
| Highest Mortgage Loan Application Amount | $4,475,000 |
| Average Applicant Income | $183,755 |
| Highest Applicant Income | $3,250,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 804 | $ 190,930,000 | $ 237,475 | $ 185,000 |
| Lorain, Ohio | 207 | $ 48,965,000 | $ 236,545 | $ 163,000 |
| Summit, Ohio | 127 | $ 36,335,000 | $ 286,102 | $ 164,000 |
| Lake, Ohio | 106 | $ 27,580,000 | $ 260,188 | $ 162,000 |
| Hamilton, Ohio | 98 | $ 31,620,000 | $ 322,653 | $ 203,000 |
| Franklin, Ohio | 82 | $ 28,650,000 | $ 349,390 | $ 206,000 |
| Medina, Ohio | 72 | $ 21,360,000 | $ 296,666 | $ 182,000 |
| Geauga, Ohio | 45 | $ 13,875,000 | $ 308,333 | $ 206,000 |
| Lucas, Ohio | 45 | $ 6,975,000 | $ 155,000 | $ 135,000 |
| Delaware, Ohio | 28 | $ 10,300,000 | $ 367,857 | $ 249,000 |
| Licking, Ohio | 25 | $ 10,995,000 | $ 439,800 | $ 209,000 |
| Portage, Ohio | 25 | $ 6,545,000 | $ 261,800 | $ 174,000 |
| Butler, Ohio | 21 | $ 2,855,000 | $ 135,952 | $ 0 |
| Tuscarawas, Ohio | 19 | $ 3,255,000 | $ 171,315 | $ 91,000 |
| Clermont, Ohio | 18 | $ 4,640,000 | $ 257,777 | $ 262,000 |
| Stark, Ohio | 14 | $ 5,820,000 | $ 415,714 | $ 176,000 |
| Erie, Ohio | 13 | $ 2,155,000 | $ 165,769 | $ 193,000 |
| Wayne, Michigan | 12 | $ 660,000 | $ 55,000 | $ 235,000 |
| Kenton, Kentucky | 11 | $ 3,005,000 | $ 273,181 | $ 458,000 |
| Monroe, Michigan | 11 | $ 1,925,000 | $ 175,000 | $ 126,000 |
| Forsyth, North Carolina | 11 | $ 2,925,000 | $ 265,909 | $ 156,000 |
| Montgomery, Ohio | 10 | $ 3,830,000 | $ 383,000 | $ 159,000 |
| Warren, Ohio | 10 | $ 3,130,000 | $ 313,000 | $ 287,000 |
| Ashtabula, Ohio | 8 | $ 1,690,000 | $ 211,250 | $ 189,000 |
| Fairfield, Ohio | 8 | $ 3,780,000 | $ 472,500 | $ 222,000 |
| Wood, Ohio | 8 | $ 1,970,000 | $ 246,250 | $ 182,000 |
| Campbell, Kentucky | 7 | $ 1,945,000 | $ 277,857 | $ 89,000 |
| Union, Ohio | 7 | $ 3,245,000 | $ 463,571 | $ 215,000 |
| Wayne, Ohio | 6 | $ 3,110,000 | $ 518,333 | $ 128,000 |
| Lenawee, Michigan | 5 | $ 655,000 | $ 131,000 | $ 112,000 |
| Ottawa, Ohio | 5 | $ 2,115,000 | $ 423,000 | $ 269,000 |
| Jefferson, Alabama | 4 | $ 450,000 | $ 112,500 | $ 0 |
| Lee, Florida | 4 | $ 1,870,000 | $ 467,500 | $ 471,000 |
| Bourbon, Kentucky | 4 | $ 880,000 | $ 220,000 | $ 0 |
| Jefferson, Kentucky | 4 | $ 2,040,000 | $ 510,000 | $ 350,000 |
| Ashland, Ohio | 4 | $ 1,120,000 | $ 280,000 | $ 173,000 |
| Richland, Ohio | 4 | $ 1,190,000 | $ 297,500 | $ 131,000 |
| Trumbull, Ohio | 4 | $ 750,000 | $ 187,500 | $ 148,000 |
| Sarasota, Florida | 3 | $ 735,000 | $ 245,000 | $ 0 |
| Marion, Indiana | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Boone, Kentucky | 3 | $ 815,000 | $ 271,666 | $ 0 |
| Carroll, Ohio | 3 | $ 1,025,000 | $ 341,666 | $ 348,000 |
| Clark, Ohio | 3 | $ 495,000 | $ 165,000 | $ 110,000 |
| Allegheny, Pennsylvania | 3 | $ 1,635,000 | $ 545,000 | $ 348,000 |
| Davidson, Tennessee | 3 | $ 1,285,000 | $ 428,333 | $ 153,000 |
| Madison, Alabama | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Pulaski, Arkansas | 2 | $ 150,000 | $ 75,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 720,000 | $ 360,000 | $ 527,000 |
| St. Johns, Florida | 2 | $ 1,330,000 | $ 665,000 | $ 0 |
| Cook, Illinois | 2 | $ 970,000 | $ 485,000 | $ 184,000 |
| Tazewell, Illinois | 2 | $ 1,580,000 | $ 790,000 | $ 697,000 |
| Delaware, Indiana | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Fayette, Kentucky | 2 | $ 1,010,000 | $ 505,000 | $ 430,000 |
| Macomb, Michigan | 2 | $ 140,000 | $ 70,000 | $ 114,000 |
| Jackson, Missouri | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Clinton, Ohio | 2 | $ 390,000 | $ 195,000 | $ 291,000 |
| Greene, Ohio | 2 | $ 400,000 | $ 200,000 | $ 152,000 |
| Huron, Ohio | 2 | $ 340,000 | $ 170,000 | $ 92,000 |
| Knox, Ohio | 2 | $ 1,020,000 | $ 510,000 | $ 380,000 |
| Logan, Ohio | 2 | $ 300,000 | $ 150,000 | $ 100,000 |
| Mahoning, Ohio | 2 | $ 170,000 | $ 85,000 | $ 122,000 |
| Perry, Ohio | 2 | $ 1,250,000 | $ 625,000 | $ 271,000 |
| Ross, Ohio | 2 | $ 260,000 | $ 130,000 | $ 152,000 |
| Charleston, South Carolina | 2 | $ 1,610,000 | $ 805,000 | $ 135,000 |
| Greenville, South Carolina | 2 | $ 1,290,000 | $ 645,000 | $ 265,000 |
| Loudoun, Virginia | 2 | $ 1,550,000 | $ 775,000 | $ 277,000 |
| Mobile, Alabama | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Saline, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Charlotte, Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Collier, Florida | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Duval, Florida | 1 | $ 925,000 | $ 925,000 | $ 561,000 |
| Escambia, Florida | 1 | $ 195,000 | $ 195,000 | $ 459,000 |
| Highlands, Florida | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Marion, Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 1,395,000 | $ 1,395,000 | $ 451,000 |
| Orange, Florida | 1 | $ 895,000 | $ 895,000 | $ 1,056,000 |
| Palm Beach, Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Pinellas, Florida | 1 | $ 865,000 | $ 865,000 | $ 550,000 |
| Putnam, Florida | 1 | $ 225,000 | $ 225,000 | $ 133,000 |
| Walton, Florida | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Champaign, Illinois | 1 | $ 175,000 | $ 175,000 | $ 300,000 |
| McHenry, Illinois | 1 | $ 205,000 | $ 205,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 675,000 | $ 675,000 | $ 323,000 |
| Dearborn, Indiana | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Floyd, Indiana | 1 | $ 415,000 | $ 415,000 | $ 0 |
| LaPorte, Indiana | 1 | $ 135,000 | $ 135,000 | $ 183,000 |
| Vanderburgh, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Greenup, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Harrison, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Madison, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Nicholas, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Oldham, Kentucky | 1 | $ 975,000 | $ 975,000 | $ 309,000 |
| Pendleton, Kentucky | 1 | $ 545,000 | $ 545,000 | $ 148,000 |
| Spencer, Kentucky | 1 | $ 525,000 | $ 525,000 | $ 150,000 |
| Wolfe, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Cumberland, Maine | 1 | $ 425,000 | $ 425,000 | $ 102,000 |
| Baltimore City, Maryland | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Norfolk, Massachusetts | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Oakland, Michigan | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Ottawa, Michigan | 1 | $ 965,000 | $ 965,000 | $ 1,072,000 |
| Presque Isle, Michigan | 1 | $ 125,000 | $ 125,000 | $ 356,000 |
| Van Buren, Michigan | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Clark, Nevada | 1 | $ 345,000 | $ 345,000 | $ 223,000 |
| Cabarrus, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Cumberland, North Carolina | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Davie, North Carolina | 1 | $ 475,000 | $ 475,000 | $ 362,000 |
| Guilford, North Carolina | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Moore, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 224,000 |
| Wilkes, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Allen, Ohio | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Columbiana, Ohio | 1 | $ 305,000 | $ 305,000 | $ 116,000 |
| Coshocton, Ohio | 1 | $ 135,000 | $ 135,000 | $ 117,000 |
| Hancock, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hocking, Ohio | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Holmes, Ohio | 1 | $ 225,000 | $ 225,000 | $ 233,000 |
| Morrow, Ohio | 1 | $ 45,000 | $ 45,000 | $ 317,000 |
| Pickaway, Ohio | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Sandusky, Ohio | 1 | $ 145,000 | $ 145,000 | $ 130,000 |
| Bucks, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 155,000 |
| Cumberland, Pennsylvania | 1 | $ 1,165,000 | $ 1,165,000 | $ 600,000 |
| Erie, Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 330,000 |
| Mercer, Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 315,000 |
| Beaufort, South Carolina | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
| Horry, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 169,000 |
| Carter, Tennessee | 1 | $ 325,000 | $ 325,000 | $ 110,000 |
| Knox, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 123,000 |
| Sevier, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 695,000 | $ 695,000 | $ 265,000 |
| Morgan, Utah | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Chesterfield, Virginia | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Richmond City, Virginia | 1 | $ 765,000 | $ 765,000 | $ 391,000 |
| Skagit, Washington | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Wood, West Virginia | 1 | $ 615,000 | $ 615,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2024
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 | 1,290 | $415,070,000 | $321,000 | $3,005,000 | $184,000 | $1,072,000 |
| Other Purpose | 284 | $36,860,000 | $129,000 | $655,000 | $163,000 | $1,624,000 |
| Home Improvement | 211 | $25,995,000 | $123,000 | $705,000 | $224,000 | $3,250,000 |
| Cash-out Refinancing | 172 | $45,060,000 | $261,000 | $4,475,000 | $183,000 | $1,070,000 |
| Refinancing | 70 | $22,850,000 | $326,000 | $1,905,000 | $144,000 | $519,000 |
| 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 | 1,377 | $356,715,000 | $259,000 | $1,665,000 | $177,000 | $3,250,000 |
| Not applicable | 284 | $101,740,000 | $358,000 | $4,475,000 | $0 | $0 |
| Not Provided | 205 | $42,065,000 | $205,000 | $1,035,000 | $198,000 | $1,072,000 |
| Asian | 63 | $23,785,000 | $377,000 | $1,505,000 | $312,000 | $1,624,000 |
| Black or African American | 54 | $9,960,000 | $184,000 | $805,000 | $126,000 | $612,000 |
| Hispanic | 40 | $10,120,000 | $253,000 | $895,000 | $242,000 | $1,056,000 |
| American Indian or Alaskan Native | 4 | $1,450,000 | $362,000 | $675,000 | $193,000 | $312,000 |
| 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) | 1,957 | $529,275,000 | $270,000 | $4,475,000 | $187,000 | $3,250,000 |
| FHA-insured (Federal Housing Administration) | 52 | $10,640,000 | $204,000 | $475,000 | $80,000 | $208,000 |
| VA-guaranteed (Veterans Administration) | 16 | $5,620,000 | $351,000 | $735,000 | $171,000 | $775,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $300,000 | $150,000 | $165,000 | $78,000 | $78,000 |
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 | 1,329 | $374,935,000 | $282,000 | $4,475,000 | $190,000 | $1,624,000 |
| Application Withdrawn By Applicant | 252 | $67,650,000 | $268,000 | $1,395,000 | $166,000 | $1,000,000 |
| Loan Purchased By The Institution | 229 | $65,815,000 | $287,000 | $1,615,000 | $0 | $0 |
| Application Denied By Financial Institution | 178 | $28,810,000 | $161,000 | $3,005,000 | $171,000 | $3,250,000 |
| File Closed For Incompleteness | 23 | $6,285,000 | $273,000 | $1,245,000 | $174,000 | $569,000 |
| Application Approved But Not Accepted | 16 | $2,340,000 | $146,000 | $685,000 | $180,000 | $500,000 |
| 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 | 1,849 | $517,025,000 | $279,000 | $4,475,000 | $186,000 | $1,624,000 |
| Debt-To-Income Ratio | 62 | $8,300,000 | $133,000 | $505,000 | $82,000 | $278,000 |
| Credit History | 61 | $6,575,000 | $107,000 | $505,000 | $265,000 | $3,250,000 |
| Collateral | 25 | $5,125,000 | $205,000 | $765,000 | $150,000 | $400,000 |
| Other | 16 | $4,050,000 | $253,000 | $1,505,000 | $235,000 | $667,000 |
| Credit Application Incomplete | 7 | $655,000 | $93,000 | $185,000 | $185,000 | $403,000 |
| Unverifiable Information | 5 | $3,595,000 | $719,000 | $3,005,000 | $70,000 | $160,000 |
| Employment History | 2 | $510,000 | $255,000 | $365,000 | $52,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2024 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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