First Federal S&L of Lakewood Mortgage Lending & HMDA Data, 2022
In 2022, First Federal S&L of Lakewood of Lakewood, OH reported 3,431 mortgage applications totaling $939.0 million, down 32% from 2021. The average application was for $273,670, and applicants reported an average income of $165,753. 75% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cleveland-Elyria, OH (1,951), Columbus, OH (333) and Akron, OH (214) (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 | 3,431 |
| Total Mortgage Loan Application Amount | $938,965,000 |
| Average Mortgage Loan Application Amount | $273,670 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $165,753 |
| Highest Applicant Income | $1,230,000 |
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records First Federal S&L of Lakewood filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,951 | $ 459,545,000 | $ 235,543 | $ 154,000 |
| Columbus, OH | 333 | $ 129,505,000 | $ 388,903 | $ 206,000 |
| Akron, OH | 214 | $ 49,560,000 | $ 231,588 | $ 144,000 |
| Toledo, OH | 208 | $ 71,950,000 | $ 345,913 | $ 186,000 |
| Cincinnati, OH-KY-IN | 160 | $ 42,830,000 | $ 267,687 | $ 176,358 |
| Outside any metro area | 158 | $ 45,960,000 | $ 290,886 | $ 156,733 |
| Warren-Troy-Farmington Hills, MI | 36 | $ 6,290,000 | $ 174,722 | $ 156,000 |
| Detroit-Dearborn-Livonia, MI | 32 | $ 5,800,000 | $ 181,250 | $ 153,000 |
| Monroe, MI | 28 | $ 9,750,000 | $ 348,214 | $ 129,000 |
| Canton-Massillon, OH | 27 | $ 4,915,000 | $ 182,037 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 18 | $ 8,660,000 | $ 481,111 | $ 235,000 |
| Dayton-Springfield-Kettering, OH | 17 | $ 4,195,000 | $ 246,764 | $ 268,000 |
| Memphis, TN-MS-AR | 15 | $ 1,285,000 | $ 85,666 | $ 159,000 |
| Indianapolis-Carmel-Anderson, IN | 12 | $ 2,840,000 | $ 236,666 | $ 162,000 |
| Ann Arbor, MI | 10 | $ 3,710,000 | $ 371,000 | $ 201,000 |
| Baltimore-Columbia-Towson, MD | 10 | $ 2,050,000 | $ 205,000 | $ 400,000 |
| Chicago-Naperville, IL | 10 | $ 5,760,000 | $ 576,000 | $ 236,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 3,945,000 | $ 438,333 | $ 288,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 3,610,000 | $ 451,250 | $ 245,000 |
| Mansfield, OH | 8 | $ 2,290,000 | $ 286,250 | $ 139,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,980,000 | $ 247,500 | $ 162,000 |
| Jacksonville, FL | 7 | $ 5,265,000 | $ 752,142 | $ 380,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 3,830,000 | $ 638,333 | $ 395,000 |
| Lansing-East Lansing, MI | 6 | $ 370,000 | $ 61,666 | $ 0 |
| Lexington-Fayette, KY | 6 | $ 3,380,000 | $ 563,333 | $ 304,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 1,980,000 | $ 330,000 | $ 125,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 3,920,000 | $ 653,333 | $ 304,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 4,040,000 | $ 673,333 | $ 259,000 |
| Jackson, MI | 5 | $ 2,165,000 | $ 433,000 | $ 138,000 |
| Pittsburgh, PA | 5 | $ 2,475,000 | $ 495,000 | $ 266,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 2,620,000 | $ 655,000 | $ 458,000 |
| Kansas City, MO-KS | 4 | $ 470,000 | $ 117,500 | $ 0 |
| Knoxville, TN | 4 | $ 2,710,000 | $ 677,500 | $ 158,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 2,560,000 | $ 640,000 | $ 228,000 |
| Gary, IN | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 3 | $ 1,325,000 | $ 441,666 | $ 265,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,475,000 | $ 491,666 | $ 159,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,955,000 | $ 651,666 | $ 106,000 |
| Ocala, FL | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Philadelphia, PA | 3 | $ 1,625,000 | $ 541,666 | $ 284,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,705,000 | $ 568,333 | $ 243,000 |
| York-Hanover, PA | 3 | $ 1,095,000 | $ 365,000 | $ 274,000 |
| Baton Rouge, LA | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Chattanooga, TN-GA | 2 | $ 1,380,000 | $ 690,000 | $ 305,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 1,060,000 | $ 530,000 | $ 289,000 |
| Durham-Chapel Hill, NC | 2 | $ 910,000 | $ 455,000 | $ 375,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 640,000 | $ 320,000 | $ 265,000 |
| Homosassa Springs, FL | 2 | $ 570,000 | $ 285,000 | $ 250,000 |
| Huntsville, AL | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 680,000 | $ 340,000 | $ 90,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Parkersburg-Vienna, WV | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Roanoke, VA | 2 | $ 600,000 | $ 300,000 | $ 58,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 720,000 | $ 360,000 | $ 212,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 630,000 | $ 315,000 | $ 95,000 |
| Wheeling, WV-OH | 2 | $ 750,000 | $ 375,000 | $ 410,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 365,000 | $ 365,000 | $ 139,000 |
| Asheville, NC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 725,000 | $ 725,000 | $ 204,000 |
| Charlottesville, VA | 1 | $ 935,000 | $ 935,000 | $ 325,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 515,000 | $ 515,000 | $ 409,000 |
| Decatur, IL | 1 | $ 225,000 | $ 225,000 | $ 189,000 |
| Evansville, IN-KY | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Fayetteville, NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 815,000 | $ 815,000 | $ 250,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 375,000 | $ 375,000 | $ 343,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 675,000 | $ 675,000 | $ 208,000 |
| Lancaster, PA | 1 | $ 555,000 | $ 555,000 | $ 475,000 |
| Lynchburg, VA | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Madison, WI | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 685,000 | $ 685,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 995,000 | $ 995,000 | $ 425,000 |
| Owensboro, KY | 1 | $ 755,000 | $ 755,000 | $ 410,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 625,000 | $ 625,000 | $ 235,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Raleigh, NC | 1 | $ 725,000 | $ 725,000 | $ 222,000 |
| Richmond, VA | 1 | $ 345,000 | $ 345,000 | $ 154,000 |
| Rochester, NY | 1 | $ 255,000 | $ 255,000 | $ 112,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 485,000 | $ 485,000 | $ 600,000 |
| Spartanburg, SC | 1 | $ 555,000 | $ 555,000 | $ 203,000 |
| Spokane-Spokane Valley, WA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Springfield, IL | 1 | $ 415,000 | $ 415,000 | $ 262,000 |
| Springfield, OH | 1 | $ 415,000 | $ 415,000 | $ 157,000 |
| St. Louis, MO-IL | 1 | $ 435,000 | $ 435,000 | $ 0 |
| The Villages, FL | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Tuscaloosa, AL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 515,000 | $ 515,000 | $ 480,000 |
Mortgage Loan Application Detail Totals for First Federal S&L of Lakewood in 2022
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 | 2,100 | $712,910,000 | $339,000 | $4,505,000 | $172,000 | $1,230,000 |
| Cash-out Refinancing | 402 | $89,180,000 | $221,000 | $1,305,000 | $140,000 | $884,000 |
| Other Purpose | 356 | $38,950,000 | $109,000 | $505,000 | $149,000 | $992,000 |
| Home Improvement | 347 | $38,385,000 | $110,000 | $925,000 | $167,000 | $1,144,000 |
| Refinancing | 226 | $59,540,000 | $263,000 | $1,445,000 | $178,000 | $1,195,000 |
| 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 | 2,095 | $597,335,000 | $285,000 | $2,065,000 | $158,000 | $1,230,000 |
| Not Provided | 776 | $166,890,000 | $215,000 | $1,345,000 | $172,000 | $1,144,000 |
| Not applicable | 302 | $92,020,000 | $304,000 | $4,505,000 | $0 | $0 |
| Asian | 93 | $37,555,000 | $403,000 | $1,505,000 | $313,000 | $1,150,000 |
| Black or African American | 76 | $16,020,000 | $210,000 | $1,155,000 | $123,000 | $575,000 |
| Hispanic | 57 | $14,855,000 | $260,000 | $1,245,000 | $172,000 | $1,071,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $715,000 | $238,000 | $345,000 | $93,000 | $150,000 |
| American Indian or Alaskan Native | 3 | $1,005,000 | $335,000 | $355,000 | $107,000 | $145,000 |
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) | 3,364 | $924,620,000 | $274,000 | $4,505,000 | $167,000 | $1,230,000 |
| FHA-insured (Federal Housing Administration) | 55 | $11,165,000 | $203,000 | $425,000 | $70,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,615,000 | $290,000 | $555,000 | $116,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $285,000 | $82,000 | $99,000 |
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 | 2,560 | $737,110,000 | $287,000 | $4,505,000 | $171,000 | $1,230,000 |
| Application Withdrawn By Applicant | 382 | $94,390,000 | $247,000 | $1,505,000 | $159,000 | $1,150,000 |
| Loan Purchased By The Institution | 235 | $55,865,000 | $237,000 | $1,305,000 | $0 | $0 |
| Application Denied By Financial Institution | 157 | $28,445,000 | $181,000 | $1,135,000 | $113,000 | $884,000 |
| File Closed For Incompleteness | 61 | $17,575,000 | $288,000 | $1,345,000 | $151,000 | $615,000 |
| Application Approved But Not Accepted | 36 | $5,580,000 | $155,000 | $655,000 | $153,000 | $921,000 |
| 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 | 3,274 | $910,520,000 | $278,000 | $4,505,000 | $169,000 | $1,230,000 |
| Debt-To-Income Ratio | 51 | $8,245,000 | $161,000 | $825,000 | $65,000 | $157,000 |
| Credit History | 39 | $3,555,000 | $91,000 | $505,000 | $126,000 | $360,000 |
| Collateral | 35 | $10,215,000 | $291,000 | $1,135,000 | $145,000 | $436,000 |
| Other | 16 | $3,600,000 | $225,000 | $915,000 | $156,000 | $450,000 |
| Unverifiable Information | 12 | $2,490,000 | $207,000 | $625,000 | $153,000 | $884,000 |
| Employment History | 3 | $285,000 | $95,000 | $135,000 | $29,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
| 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 S&L of Lakewood's 2022 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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