First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2019
In 2019, First Federal S&L of Lakewood of Lakewood, OH reported 4,364 mortgage applications totaling $1.0 billion, up 6% from 2018. The average application was for $235,469, and applicants reported an average income of $139,379. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Cleveland-Elyria, OH (2,382), Columbus, OH (439) and Akron, OH (294) (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 | 4,364 |
| Total Mortgage Loan Application Amount | $1,027,590,000 |
| Average Mortgage Loan Application Amount | $235,469 |
| Highest Mortgage Loan Application Amount | $1,775,000 |
| Average Applicant Income | $139,379 |
| Highest Applicant Income | $3,060,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,382 | $ 493,730,000 | $ 207,275 | $ 128,000 |
| Columbus, OH | 439 | $ 144,755,000 | $ 329,738 | $ 173,000 |
| Outside any metro area | 305 | $ 63,875,000 | $ 209,426 | $ 121,947 |
| Akron, OH | 294 | $ 68,360,000 | $ 232,517 | $ 137,000 |
| Toledo, OH | 275 | $ 67,785,000 | $ 246,490 | $ 141,000 |
| Boston, MA | 52 | $ 24,040,000 | $ 462,307 | $ 241,000 |
| Monroe, MI | 48 | $ 14,760,000 | $ 307,500 | $ 195,000 |
| Montgomery County-Bucks County-Chester County, PA | 45 | $ 13,075,000 | $ 290,555 | $ 129,000 |
| Canton-Massillon, OH | 42 | $ 8,010,000 | $ 190,714 | $ 122,000 |
| Portland-South Portland, ME | 41 | $ 10,335,000 | $ 252,073 | $ 101,000 |
| Indianapolis-Carmel-Anderson, IN | 39 | $ 3,395,000 | $ 87,051 | $ 131,000 |
| Cincinnati, OH-KY-IN | 30 | $ 10,900,000 | $ 363,333 | $ 216,933 |
| Jacksonville, FL | 29 | $ 7,925,000 | $ 273,275 | $ 166,000 |
| Detroit-Dearborn-Livonia, MI | 27 | $ 6,885,000 | $ 255,000 | $ 156,000 |
| Cambridge-Newton-Framingham, MA | 25 | $ 9,835,000 | $ 393,400 | $ 157,000 |
| Rockingham County-Strafford County, NH | 25 | $ 7,055,000 | $ 282,200 | $ 185,000 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 6,210,000 | $ 258,750 | $ 119,000 |
| New York-Newark, NY | 21 | $ 5,915,000 | $ 281,666 | $ 115,000 |
| Philadelphia, PA | 17 | $ 4,355,000 | $ 256,176 | $ 104,000 |
| Youngstown-Warren-Boardman, OH-PA | 15 | $ 2,445,000 | $ 163,000 | $ 102,000 |
| Ann Arbor, MI | 14 | $ 5,030,000 | $ 359,285 | $ 145,000 |
| Manchester-Nashua, NH | 13 | $ 3,125,000 | $ 240,384 | $ 109,000 |
| Lancaster, PA | 11 | $ 2,275,000 | $ 206,818 | $ 91,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 2,890,000 | $ 289,000 | $ 246,000 |
| Lexington-Fayette, KY | 8 | $ 2,270,000 | $ 283,750 | $ 159,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 2,615,000 | $ 373,571 | $ 202,000 |
| Raleigh, NC | 7 | $ 2,145,000 | $ 306,428 | $ 141,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 2,930,000 | $ 488,333 | $ 209,000 |
| Mansfield, OH | 6 | $ 1,080,000 | $ 180,000 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,255,000 | $ 451,000 | $ 599,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,250,000 | $ 312,500 | $ 151,250 |
| Gainesville, FL | 4 | $ 970,000 | $ 242,500 | $ 60,000 |
| Memphis, TN-MS-AR | 4 | $ 210,000 | $ 52,500 | $ 185,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,110,000 | $ 277,500 | $ 121,000 |
| State College, PA | 4 | $ 950,000 | $ 237,500 | $ 126,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,670,000 | $ 417,500 | $ 155,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 815,000 | $ 271,666 | $ 398,000 |
| Charleston-North Charleston, SC | 3 | $ 1,585,000 | $ 528,333 | $ 489,000 |
| Chicago-Naperville, IL | 3 | $ 315,000 | $ 105,000 | $ 174,000 |
| Jackson, MI | 3 | $ 1,115,000 | $ 371,666 | $ 176,000 |
| Lima, OH | 3 | $ 605,000 | $ 201,666 | $ 93,000 |
| Morgantown, WV | 3 | $ 0 | $ 0 | $ 489,000 |
| Newark, NJ-PA | 3 | $ 835,000 | $ 278,333 | $ 113,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 815,000 | $ 271,666 | $ 216,000 |
| Burlington-South Burlington, VT | 2 | $ 450,000 | $ 225,000 | $ 148,000 |
| Charleston, WV | 2 | $ 165,000 | $ 82,500 | $ 217,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 950,000 | $ 475,000 | $ 119,000 |
| Lansing-East Lansing, MI | 2 | $ 360,000 | $ 180,000 | $ 63,000 |
| Lewiston-Auburn, ME | 2 | $ 340,000 | $ 170,000 | $ 80,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,060,000 | $ 530,000 | $ 348,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 970,000 | $ 485,000 | $ 510,000 |
| Ocean City, NJ | 2 | $ 740,000 | $ 370,000 | $ 225,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 440,000 | $ 220,000 | $ 56,000 |
| Parkersburg-Vienna, WV | 2 | $ 500,000 | $ 250,000 | $ 161,000 |
| Springfield, MA | 2 | $ 700,000 | $ 350,000 | $ 128,000 |
| Winston-Salem, NC | 2 | $ 370,000 | $ 185,000 | $ 80,000 |
| Worcester, MA-CT | 2 | $ 640,000 | $ 320,000 | $ 122,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 225,000 | $ 225,000 | $ 238,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 235,000 | $ 235,000 | $ 54,000 |
| Bangor, ME | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Durham-Chapel Hill, NC | 1 | $ 435,000 | $ 435,000 | $ 318,000 |
| East Stroudsburg, PA | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Flint, MI | 1 | $ 235,000 | $ 235,000 | $ 300,000 |
| Fort Wayne, IN | 1 | $ 135,000 | $ 135,000 | $ 417,000 |
| Gettysburg, PA | 1 | $ 335,000 | $ 335,000 | $ 116,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 125,000 | $ 125,000 | $ 139,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 895,000 | $ 895,000 | $ 234,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 165,000 | $ 165,000 | $ 626,000 |
| Niles-Benton Harbor, MI | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Pittsburgh, PA | 1 | $ 485,000 | $ 485,000 | $ 425,000 |
| Providence-Warwick, RI-MA | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Punta Gorda, FL | 1 | $ 335,000 | $ 335,000 | $ 146,000 |
| Sebastian-Vero Beach, FL | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Springfield, OH | 1 | $ 315,000 | $ 315,000 | $ 175,000 |
| Tallahassee, FL | 1 | $ 405,000 | $ 405,000 | $ 839,000 |
| Vineland-Bridgeton, NJ | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
| Wilmington, NC | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| York-Hanover, PA | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2019
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 | 2,786 | $661,375,000 | $237,000 | $1,775,000 | $131,000 | $1,223,000 |
| Refinancing | 840 | $218,680,000 | $260,000 | $1,095,000 | $170,000 | $3,060,000 |
| Cash-out Refinancing | 575 | $126,105,000 | $219,000 | $1,235,000 | $133,000 | $1,243,000 |
| Other Purpose | 144 | $18,990,000 | $131,000 | $515,000 | $143,000 | $1,068,000 |
| Home Improvement | 12 | $1,330,000 | $110,000 | $415,000 | $134,000 | $461,000 |
| Not Applicable | 7 | $1,110,000 | $277,000 | $305,000 | $259,000 | $726,000 |
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 | 3,628 | $856,075,000 | $236,000 | $1,775,000 | $138,000 | $3,060,000 |
| Not Provided | 395 | $97,150,000 | $246,000 | $1,085,000 | $172,000 | $907,000 |
| Black or African American | 107 | $20,885,000 | $195,000 | $655,000 | $101,000 | $285,000 |
| Hispanic | 103 | $17,695,000 | $171,000 | $945,000 | $91,000 | $424,000 |
| Asian | 97 | $24,845,000 | $256,000 | $1,425,000 | $151,000 | $590,000 |
| Not applicable | 13 | $4,975,000 | $382,000 | $655,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $2,150,000 | $268,000 | $505,000 | $89,000 | $154,000 |
| 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) | 4,003 | $961,365,000 | $240,000 | $1,775,000 | $145,000 | $3,060,000 |
| FHA-insured (Federal Housing Administration) | 284 | $49,900,000 | $175,000 | $705,000 | $68,000 | $222,000 |
| VA-guaranteed (Veterans Administration) | 59 | $13,755,000 | $233,000 | $455,000 | $91,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,570,000 | $142,000 | $255,000 | $52,000 | $84,000 |
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 | 3,418 | $797,800,000 | $233,000 | $1,425,000 | $139,000 | $1,223,000 |
| Application Withdrawn By Applicant | 610 | $148,240,000 | $243,000 | $1,775,000 | $149,000 | $3,060,000 |
| Application Denied By Financial Institution | 193 | $42,335,000 | $219,000 | $1,475,000 | $101,000 | $830,000 |
| File Closed For Incompleteness | 106 | $30,010,000 | $283,000 | $825,000 | $144,000 | $720,000 |
| Application Approved But Not Accepted | 28 | $8,040,000 | $287,000 | $635,000 | $206,000 | $1,020,000 |
| Loan Purchased By The Institution | 9 | $1,165,000 | $233,000 | $305,000 | $258,000 | $726,000 |
| 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 | 4,171 | $985,255,000 | $236,000 | $1,775,000 | $141,000 | $3,060,000 |
| Collateral | 52 | $12,590,000 | $242,000 | $1,475,000 | $117,000 | $830,000 |
| Debt-To-Income Ratio | 51 | $11,115,000 | $217,000 | $705,000 | $78,000 | $242,000 |
| Credit History | 46 | $11,190,000 | $243,000 | $705,000 | $125,000 | $612,000 |
| Other | 17 | $2,265,000 | $133,000 | $425,000 | $77,000 | $211,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,815,000 | $165,000 | $455,000 | $95,000 | $217,000 |
| Employment History | 9 | $2,045,000 | $227,000 | $605,000 | $86,000 | $305,000 |
| Unverifiable Information | 5 | $1,065,000 | $213,000 | $405,000 | $88,000 | $172,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $195,000 | $74,000 | $82,000 |
| 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 2019 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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