First Federal Savings And Loan Association Of Lakewood
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Federal Savings And Loan Association Of Lakewood 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Federal Savings And Loan Association Of Lakewood 14806 Detroit Ave Lakewood, OH 44107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 5,039 |
| Total Mortgage Loan Application Amount | $1,344,405,000 |
| Average Mortgage Loan Application Amount | $209,000 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $124,600 |
| Highest Applicant Income | $2,708,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with First Federal Savings And Loan Association Of Lakewood. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Federal Savings And Loan Association Of Lakewood's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down First Federal Savings And Loan Association Of Lakewood's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Federal Savings And Loan Association Of Lakewood serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Savings And Loan Association Of Lakewood, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Federal Savings And Loan Association Of Lakewood's mortgage activity for 2021.
| 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 | 3,001 | $ 694,615,000 | $ 231,000 | $ 134,000 |
| COLUMBUS, OH | 497 | $ 190,345,000 | $ 382,000 | $ 191,000 |
| AKRON, OH | 372 | $ 92,630,000 | $ 249,000 | $ 159,000 |
| TOLEDO, OH | 327 | $ 97,515,000 | $ 298,000 | $ 139,000 |
| NA (OUTSIDE OF MSA/MD) | 285 | $ 84,655,000 | $ 243,250 | $ 163,166 |
| CINCINNATI, OH-KY-IN | 173 | $ 52,385,000 | $ 350,000 | $ 158,000 |
| CANTON-MASSILLON, OH | 53 | $ 15,755,000 | $ 297,000 | $ 143,000 |
| MONROE, MI | 51 | $ 19,715,000 | $ 386,000 | $ 145,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 32 | $ 9,460,000 | $ 295,000 | $ 162,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 31 | $ 8,995,000 | $ 290,000 | $ 151,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 23 | $ 5,935,000 | $ 258,000 | $ 151,000 |
| ANN ARBOR, MI | 22 | $ 10,520,000 | $ 478,000 | $ 188,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 15 | $ 3,345,000 | $ 223,000 | $ 161,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 14 | $ 5,510,000 | $ 393,000 | $ 149,000 |
| PITTSBURGH, PA | 14 | $ 4,410,000 | $ 315,000 | $ 136,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 11 | $ 3,955,000 | $ 359,000 | $ 273,000 |
| MANSFIELD, OH | 10 | $ 3,080,000 | $ 308,000 | $ 111,000 |
| CAPE CORAL-FORT MYERS, FL | 9 | $ 2,725,000 | $ 302,000 | $ 196,000 |
| JACKSON, MI | 9 | $ 4,255,000 | $ 472,000 | $ 234,000 |
| SPRINGFIELD, OH | 8 | $ 2,830,000 | $ 353,000 | $ 139,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 6 | $ 3,890,000 | $ 648,000 | $ 304,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 5 | $ 1,195,000 | $ 239,000 | $ 162,000 |
| BOWLING GREEN, KY | 4 | $ 1,150,000 | $ 287,000 | $ 65,000 |
| CHICAGO-NAPERVILLE, IL | 4 | $ 1,240,000 | $ 310,000 | $ 162,000 |
| GAINESVILLE, FL | 4 | $ 1,410,000 | $ 352,000 | $ 157,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 4 | $ 1,300,000 | $ 325,000 | $ 73,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 4 | $ 1,450,000 | $ 362,000 | $ 179,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 4 | $ 1,980,000 | $ 495,000 | $ 262,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 4 | $ 1,980,000 | $ 495,000 | $ 295,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 3 | $ 1,535,000 | $ 511,666 | $ 266,333 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 3 | $ 775,000 | $ 258,000 | $ 128,000 |
| PUNTA GORDA, FL | 3 | $ 845,000 | $ 281,000 | $ 303,000 |
| THE VILLAGES, FL | 3 | $ 545,000 | $ 181,000 | $ 45,000 |
| JACKSONVILLE, FL | 2 | $ 620,000 | $ 310,000 | $ 309,000 |
| OCALA, FL | 2 | $ 390,000 | $ 195,000 | $ 74,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 2 | $ 350,000 | $ 175,000 | $ 95,000 |
| WILMINGTON, NC | 2 | $ 360,000 | $ 180,000 | $ 102,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1 | $ 755,000 | $ 755,000 | $ 376,000 |
| CHARLESTON, WV | 1 | $ 335,000 | $ 335,000 | $ 102,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 665,000 | $ 665,000 | $ 640,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 1 | $ 405,000 | $ 405,000 | $ 246,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 795,000 | $ 795,000 | $ 203,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| GARY, IN | 1 | $ 185,000 | $ 185,000 | $ 40,000 |
| KNOXVILLE, TN | 1 | $ 445,000 | $ 445,000 | $ 358,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 765,000 | $ 765,000 | $ 372,000 |
| LIMA, OH | 1 | $ 515,000 | $ 515,000 | $ 231,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 1 | $ 705,000 | $ 705,000 | $ 235,000 |
| MISSOULA, MT | 1 | $ 505,000 | $ 505,000 | $ 0 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 1 | $ 315,000 | $ 315,000 | $ 167,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 1 | $ 325,000 | $ 325,000 | $ 376,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| NILES-BENTON HARBOR, MI | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 335,000 | $ 335,000 | $ 190,000 |
| RALEIGH, NC | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| RICHMOND, VA | 1 | $ 805,000 | $ 805,000 | $ 320,000 |
| SEBRING, FL | 1 | $ 625,000 | $ 625,000 | $ 315,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 515,000 | $ 515,000 | $ 305,000 |
Mortgage Loan Application Detail Totals for First Federal Savings And Loan Association Of Lakewood in 2021
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 | 2,606 | $778,130,000 | $298,000 | $2,155,000 | $146,000 | $2,708,000 |
| Refinancing | 1,557 | $374,005,000 | $240,000 | $2,805,000 | $149,000 | $1,765,000 |
| Cash-out Refinancing | 784 | $177,900,000 | $226,000 | $2,705,000 | $132,000 | $851,000 |
| Other Purpose | 91 | $14,245,000 | $156,000 | $805,000 | $165,000 | $1,676,000 |
| Home Improvement | 1 | $125,000 | $125,000 | $125,000 | $31,000 | $31,000 |
| 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 | 3,961 | $1,032,915,000 | $260,000 | $1,855,000 | $142,000 | $2,708,000 |
| Not Provided | 543 | $154,625,000 | $284,000 | $1,485,000 | $166,000 | $1,625,000 |
| Not applicable | 167 | $54,935,000 | $328,000 | $2,805,000 | $0 | $0 |
| Asian | 137 | $45,715,000 | $333,000 | $1,155,000 | $176,000 | $675,000 |
| Black or African American | 97 | $20,795,000 | $214,000 | $745,000 | $122,000 | $650,000 |
| Hispanic | 93 | $20,365,000 | $218,000 | $635,000 | $119,000 | $570,000 |
| American Indian or Alaskan Native | 10 | $2,470,000 | $247,000 | $445,000 | $150,000 | $458,000 |
| 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) | 4,901 | $1,316,325,000 | $268,000 | $2,805,000 | $147,000 | $2,708,000 |
| FHA-insured (Federal Housing Administration) | 90 | $15,410,000 | $171,000 | $355,000 | $65,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 47 | $12,405,000 | $263,000 | $545,000 | $114,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $265,000 | $265,000 | $265,000 | $0 | $0 |
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 | 4,049 | $1,087,795,000 | $268,000 | $2,805,000 | $144,000 | $2,708,000 |
| Application Withdrawn By Applicant | 518 | $135,570,000 | $261,000 | $1,275,000 | $157,000 | $1,676,000 |
| File Closed For Incompleteness | 168 | $50,420,000 | $300,000 | $1,505,000 | $152,000 | $851,000 |
| Application Denied By Financial Institution | 141 | $32,845,000 | $232,000 | $825,000 | $113,000 | $768,000 |
| Loan Purchased By The Institution | 124 | $28,600,000 | $230,000 | $805,000 | $0 | $0 |
| Application Approved But Not Accepted | 39 | $9,175,000 | $235,000 | $715,000 | $122,000 | $398,000 |
| 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 | 4,898 | $1,311,560,000 | $267,000 | $2,805,000 | $146,000 | $2,708,000 |
| Collateral | 51 | $12,615,000 | $247,000 | $825,000 | $134,000 | $515,000 |
| Debt-To-Income Ratio | 34 | $7,940,000 | $233,000 | $555,000 | $101,000 | $768,000 |
| Credit History | 31 | $5,995,000 | $193,000 | $525,000 | $98,000 | $338,000 |
| Unverifiable Information | 8 | $1,840,000 | $230,000 | $395,000 | $96,000 | $202,000 |
| Employment History | 6 | $1,600,000 | $266,000 | $545,000 | $69,000 | $126,000 |
| Other | 6 | $1,720,000 | $286,000 | $615,000 | $145,000 | $428,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,135,000 | $227,000 | $345,000 | $99,000 | $184,000 |
| 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 Savings And Loan Association Of Lakewood's 2021 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 Savings And Loan Association 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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with aggregated HMDA statistics today.