First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2018
In 2018, First Federal S&L of Lakewood of Lakewood, OH reported 4,100 mortgage applications totaling $893.2 million, up 2% from 2017. The average application was for $217,841, and applicants reported an average income of $132,176. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (2,368), Columbus, OH (384) and Akron, OH (323) (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 | 4,100 |
| Total Mortgage Loan Application Amount | $893,150,000 |
| Average Mortgage Loan Application Amount | $217,841 |
| Highest Mortgage Loan Application Amount | $2,155,000 |
| Average Applicant Income | $132,176 |
| Highest Applicant Income | $3,251,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, OH | 2,368 | $ 459,780,000 | $ 194,163 | $ 126,000 |
| Columbus, OH | 384 | $ 115,140,000 | $ 299,843 | $ 150,000 |
| Outside any metro area | 334 | $ 67,080,000 | $ 200,838 | $ 118,071 |
| Akron, OH | 323 | $ 72,695,000 | $ 225,061 | $ 149,000 |
| Toledo, OH | 255 | $ 55,935,000 | $ 219,352 | $ 129,000 |
| Canton-Massillon, OH | 63 | $ 12,325,000 | $ 195,634 | $ 117,000 |
| Monroe, MI | 50 | $ 12,950,000 | $ 259,000 | $ 132,000 |
| Boston, MA | 35 | $ 14,145,000 | $ 404,142 | $ 228,000 |
| Cincinnati, OH-KY-IN | 32 | $ 10,980,000 | $ 343,125 | $ 204,843 |
| Cambridge-Newton-Framingham, MA | 28 | $ 10,160,000 | $ 362,857 | $ 159,000 |
| Rockingham County-Strafford County, NH | 27 | $ 7,965,000 | $ 295,000 | $ 123,000 |
| Jacksonville, FL | 23 | $ 5,395,000 | $ 234,565 | $ 116,000 |
| New York-Jersey City-White Plains, NY-NJ | 20 | $ 5,850,000 | $ 292,500 | $ 118,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 4,100,000 | $ 256,250 | $ 139,000 |
| Portland-South Portland, ME | 10 | $ 2,900,000 | $ 290,000 | $ 100,000 |
| Ann Arbor, MI | 9 | $ 3,415,000 | $ 379,444 | $ 112,000 |
| Detroit-Dearborn-Livonia, MI | 9 | $ 1,935,000 | $ 215,000 | $ 128,000 |
| Worcester, MA-CT | 8 | $ 2,020,000 | $ 252,500 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 1,595,000 | $ 227,857 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 7 | $ 1,055,000 | $ 150,714 | $ 90,000 |
| Burlington-South Burlington, VT | 6 | $ 1,470,000 | $ 245,000 | $ 109,000 |
| Philadelphia, PA | 6 | $ 1,230,000 | $ 205,000 | $ 136,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,445,000 | $ 289,000 | $ 178,000 |
| Dayton, OH | 5 | $ 1,585,000 | $ 317,000 | $ 193,000 |
| Springfield, MA | 5 | $ 1,155,000 | $ 231,000 | $ 141,000 |
| Manchester-Nashua, NH | 4 | $ 970,000 | $ 242,500 | $ 103,000 |
| Newark, NJ-PA | 4 | $ 1,460,000 | $ 365,000 | $ 127,000 |
| Providence-Warwick, RI-MA | 4 | $ 1,010,000 | $ 252,500 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,040,000 | $ 260,000 | $ 166,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,550,000 | $ 387,500 | $ 215,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 685,000 | $ 228,333 | $ 99,000 |
| Springfield, OH | 3 | $ 655,000 | $ 218,333 | $ 106,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 2,495,000 | $ 831,666 | $ 347,000 |
| Knoxville, TN | 2 | $ 910,000 | $ 455,000 | $ 354,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 370,000 | $ 185,000 | $ 81,000 |
| Mansfield, OH | 2 | $ 360,000 | $ 180,000 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,000,000 | $ 500,000 | $ 561,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 390,000 | $ 195,000 | $ 216,000 |
| Ocean City, NJ | 2 | $ 420,000 | $ 210,000 | $ 135,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 970,000 | $ 485,000 | $ 367,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 440,000 | $ 220,000 | $ 120,000 |
| Asheville, NC | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Bloomsburg-Berwick, PA | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Camden, NJ | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Gainesville, FL | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 375,000 | $ 375,000 | $ 250,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Jackson, MI | 1 | $ 585,000 | $ 585,000 | $ 291,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 335,000 | $ 335,000 | $ 160,000 |
| Lima, OH | 1 | $ 415,000 | $ 415,000 | $ 143,000 |
| New Haven-Milford, CT | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Parkersburg-Vienna, WV | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Pittsburgh, PA | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Punta Gorda, FL | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Raleigh, NC | 1 | $ 245,000 | $ 245,000 | $ 212,000 |
| Sebastian-Vero Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 68,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 85,000 | $ 85,000 | $ 382,000 |
| The Villages, FL | 1 | $ 165,000 | $ 165,000 | $ 121,000 |
| Winston-Salem, NC | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2018
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 | 3,035 | $694,585,000 | $228,000 | $1,605,000 | $129,000 | $1,846,000 |
| Cash-out Refinancing | 473 | $92,295,000 | $195,000 | $1,005,000 | $127,000 | $752,000 |
| Refinancing | 453 | $88,045,000 | $194,000 | $2,155,000 | $158,000 | $3,251,000 |
| Other Purpose | 139 | $18,225,000 | $131,000 | $615,000 | $135,000 | $671,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,434 | $742,670,000 | $216,000 | $2,155,000 | $131,000 | $3,251,000 |
| Not Provided | 350 | $74,570,000 | $213,000 | $845,000 | $152,000 | $989,000 |
| Asian | 135 | $34,515,000 | $255,000 | $805,000 | $139,000 | $561,000 |
| Black or African American | 80 | $16,090,000 | $201,000 | $605,000 | $101,000 | $514,000 |
| Hispanic | 77 | $12,815,000 | $166,000 | $435,000 | $99,000 | $535,000 |
| Not applicable | 19 | $11,315,000 | $595,000 | $1,605,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $695,000 | $231,000 | $475,000 | $77,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $355,000 | $355,000 | $355,000 | $110,000 | $110,000 |
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) | 3,808 | $843,990,000 | $221,000 | $2,155,000 | $137,000 | $3,251,000 |
| FHA-insured (Federal Housing Administration) | 241 | $39,645,000 | $164,000 | $635,000 | $69,000 | $204,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,525,000 | $210,000 | $435,000 | $77,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,990,000 | $149,000 | $235,000 | $62,000 | $118,000 |
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 | 3,283 | $715,385,000 | $217,000 | $1,605,000 | $132,000 | $2,965,000 |
| Application Withdrawn By Applicant | 513 | $114,295,000 | $222,000 | $2,155,000 | $146,000 | $3,251,000 |
| Application Denied By Financial Institution | 169 | $29,675,000 | $175,000 | $1,335,000 | $91,000 | $400,000 |
| File Closed For Incompleteness | 98 | $26,890,000 | $274,000 | $825,000 | $141,000 | $576,000 |
| Application Approved But Not Accepted | 37 | $6,905,000 | $186,000 | $655,000 | $103,000 | $380,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,931 | $863,475,000 | $219,000 | $2,155,000 | $134,000 | $3,251,000 |
| Collateral | 54 | $9,580,000 | $177,000 | $455,000 | $111,000 | $400,000 |
| Credit History | 42 | $7,120,000 | $169,000 | $1,335,000 | $96,000 | $375,000 |
| Debt-To-Income Ratio | 34 | $6,450,000 | $189,000 | $495,000 | $62,000 | $198,000 |
| Other | 20 | $3,830,000 | $191,000 | $415,000 | $107,000 | $246,000 |
| Employment History | 9 | $1,195,000 | $132,000 | $265,000 | $68,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,240,000 | $155,000 | $225,000 | $48,000 | $70,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $145,000 | $68,000 | $81,000 |
| Credit Application Incomplete | 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 2018 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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