First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2013
In 2013, First Federal S&L of Lakewood of Lakewood, OH reported 6,456 mortgage applications totaling $1.2 billion, up 15% from 2012. The average application was for $187,804, and applicants reported an average income of $123,781. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Cleveland-Elyria-Mentor, OH (3,568), Columbus, OH (1,313) and Akron, OH (842) (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 | 6,456 |
| Total Mortgage Loan Application Amount | $1,212,465,000 |
| Average Mortgage Loan Application Amount | $187,804 |
| Highest Mortgage Loan Application Amount | $2,343,000 |
| Average Applicant Income | $123,781 |
| Highest Applicant Income | $5,545,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland-Elyria-Mentor, OH | 3,568 | $ 613,855,000 | $ 172,044 | $ 115,000 |
| Columbus, OH | 1,313 | $ 329,023,000 | $ 250,588 | $ 152,000 |
| Akron, OH | 842 | $ 152,925,000 | $ 181,621 | $ 127,000 |
| Toledo, OH | 280 | $ 40,435,000 | $ 144,410 | $ 91,000 |
| Canton-Massillon, OH | 124 | $ 19,788,000 | $ 159,580 | $ 104,000 |
| Monroe, MI | 25 | $ 3,778,000 | $ 151,120 | $ 67,000 |
| Sandusky, OH | 24 | $ 4,563,000 | $ 190,125 | $ 142,000 |
| Youngstown-Warren-Boardman, OH-PA | 12 | $ 1,429,000 | $ 119,083 | $ 92,000 |
| Cincinnati-Middletown, OH-KY-IN | 11 | $ 2,610,000 | $ 237,272 | $ 118,000 |
| Phoenix-Mesa-Glendale, AZ | 5 | $ 1,309,000 | $ 261,800 | $ 233,000 |
| Dayton, OH | 4 | $ 1,471,000 | $ 367,750 | $ 182,000 |
| Mansfield, OH | 4 | $ 881,000 | $ 220,250 | $ 92,000 |
| Chicago-Joliet-Naperville, IL | 3 | $ 756,000 | $ 252,000 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 759,000 | $ 253,000 | $ 425,000 |
| Lima, OH | 3 | $ 310,000 | $ 103,333 | $ 225,000 |
| Naples-Marco Island, FL | 3 | $ 756,000 | $ 252,000 | $ 218,000 |
| North Port-Bradenton-Sarasota, FL | 3 | $ 280,000 | $ 93,333 | $ 277,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 530,000 | $ 176,666 | $ 91,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 303,000 | $ 151,500 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 365,000 | $ 182,500 | $ 151,000 |
| Jacksonville, FL | 2 | $ 747,000 | $ 373,500 | $ 104,000 |
| San Antonio-New Braunfels, TX | 2 | $ 576,000 | $ 288,000 | $ 179,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 449,000 | $ 224,500 | $ 229,000 |
| Ann Arbor, MI | 1 | $ 93,000 | $ 93,000 | $ 419,000 |
| Boulder, CO | 1 | $ 417,000 | $ 417,000 | $ 175,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 275,000 | $ 275,000 | $ 195,000 |
| Colorado Springs, CO | 1 | $ 280,000 | $ 280,000 | $ 125,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,294,000 | $ 1,294,000 | $ 5,545,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 108,000 | $ 108,000 | $ 88,000 |
| Fort Worth-Arlington, TX | 1 | $ 2,343,000 | $ 2,343,000 | $ 5,545,000 |
| Gary, IN | 1 | $ 236,000 | $ 236,000 | $ 180,000 |
| Harrisburg-Carlisle, PA | 1 | $ 142,000 | $ 142,000 | $ 139,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Indianapolis-Carmel, IN | 1 | $ 114,000 | $ 114,000 | $ 375,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 50,000 | $ 50,000 | $ 22,000 |
| Knoxville, TN | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Lancaster, PA | 1 | $ 183,000 | $ 183,000 | $ 121,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 58,000 | $ 58,000 | $ 84,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 85,000 | $ 85,000 | $ 149,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 70,000 | $ 70,000 | $ 396,000 |
| Pittsburgh, PA | 1 | $ 213,000 | $ 213,000 | $ 165,000 |
| Raleigh-Cary, NC | 1 | $ 321,000 | $ 321,000 | $ 202,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 33,000 | $ 33,000 | $ 57,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 88,000 | $ 88,000 | $ 191,000 |
| Wheeling, WV-OH | 1 | $ 241,000 | $ 241,000 | $ 85,000 |
| Wilmington, NC | 1 | $ 244,000 | $ 244,000 | $ 356,000 |
| Yuma, AZ | 1 | $ 201,000 | $ 201,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2013
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 | 3,956 | $744,498,000 | $188,000 | $1,646,000 | $111,000 | $5,545,000 |
| Refinancing | 2,464 | $466,516,000 | $189,000 | $2,343,000 | $145,000 | $5,545,000 |
| Home Improvement | 36 | $1,451,000 | $40,000 | $515,000 | $76,000 | $200,000 |
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 | 4,529 | $806,000,000 | $177,000 | $1,646,000 | $114,000 | $2,427,000 |
| Not Provided | 1,543 | $332,589,000 | $215,000 | $1,751,000 | $150,000 | $2,256,000 |
| Asian | 132 | $31,760,000 | $240,000 | $2,343,000 | $213,000 | $5,545,000 |
| Black or African American | 112 | $15,605,000 | $139,000 | $715,000 | $86,000 | $434,000 |
| Hispanic | 98 | $14,023,000 | $143,000 | $560,000 | $104,000 | $1,097,000 |
| Not applicable | 18 | $9,432,000 | $524,000 | $1,238,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 14 | $1,799,000 | $128,000 | $350,000 | $70,000 | $217,000 |
| American Indian or Alaskan Native | 10 | $1,257,000 | $125,000 | $268,000 | $97,000 | $235,000 |
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) | 5,609 | $1,102,968,000 | $196,000 | $2,343,000 | $134,000 | $5,545,000 |
| FHA-insured (Federal Housing Administration) | 695 | $85,178,000 | $122,000 | $379,000 | $57,000 | $298,000 |
| VA-guaranteed (Veterans Administration) | 106 | $19,103,000 | $180,000 | $507,000 | $79,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $5,216,000 | $113,000 | $200,000 | $46,000 | $73,000 |
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 | 4,868 | $914,894,000 | $187,000 | $1,751,000 | $125,000 | $5,545,000 |
| Application Denied By Financial Institution | 520 | $84,626,000 | $162,000 | $1,475,000 | $96,000 | $2,256,000 |
| Application Withdrawn By Applicant | 471 | $91,879,000 | $195,000 | $2,343,000 | $134,000 | $5,545,000 |
| Application Approved But Not Accepted | 341 | $63,128,000 | $185,000 | $1,200,000 | $129,000 | $2,193,000 |
| File Closed For Incompleteness | 256 | $57,938,000 | $226,000 | $1,646,000 | $140,000 | $1,800,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 159 | $27,827,000 | $175,000 | $1,475,000 | $122,000 | $2,256,000 |
| Debt-To-Income Ratio | 155 | $28,741,000 | $185,000 | $800,000 | $73,000 | $382,000 |
| Credit History | 113 | $14,535,000 | $128,000 | $408,000 | $88,000 | $720,000 |
| Other | 50 | $7,275,000 | $145,000 | $452,000 | $119,000 | $559,000 |
| Employment History | 18 | $3,195,000 | $177,000 | $650,000 | $80,000 | $225,000 |
| Unverifiable Information | 11 | $1,483,000 | $134,000 | $480,000 | $80,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $509,000 | $84,000 | $142,000 | $94,000 | $216,000 |
| Mortgage Insurance Denied | 4 | $625,000 | $156,000 | $332,000 | $58,000 | $126,000 |
| Credit Application Incomplete | 4 | $436,000 | $109,000 | $181,000 | $41,000 | $54,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal S&L of Lakewood's 2013 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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