Third Federal Savings and Loan Association of Cleveland in Arizona vs the state
39.7%Denial rate+23.46 pts vs state
45.6%Decision denial rate+25.23 pts vs state
44.0%Origination rate-15.51 pts vs state
6.99%Median rate+0.49 pts vs state
-0.25Rate spread (pts)-0.47 pts vs state
$137kMedian applicant income
226Loans originated
204Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 126 | 41 | 53.2% | 7.49% | #211 |
| 2025 | 514 | 226 | 39.7% | 6.99% | #109 |
What Third Federal Savings and Loan Association of Cleveland lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 369 | 166 | 149 | 40.4% |
| Pima County | 62 | 28 | 25 | 40.3% |
| Pinal County | 28 | 8 | 11 | 39.3% |
| Yavapai County | 19 | 13 | 5 | 26.3% |
| Mohave County | 11 | 3 | 5 | 45.5% |
| Yuma County | 10 | 2 | 3 | 30.0% |
| Cochise County | 6 | 2 | 2 | 33.3% |
| Coconino County | 5 | 2 | 3 | 60.0% |
| Santa Cruz County | 2 | 1 | 0 | 0.0% |
| Apache County | 1 | 0 | 1 | 100.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 514 applications in 2025, of which 226 were originated and 204 denied.
39.7% of all applications, or 45.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Arizona in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Third Federal Savings and Loan Association of Cleveland's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology