Third Federal Savings and Loan Association of Cleveland in California vs the state
35.0%Denial rate+17.56 pts vs state
39.7%Decision denial rate+17.34 pts vs state
50.7%Origination rate-5.48 pts vs state
6.99%Median rate+0.37 pts vs state
-0.27Rate spread (pts)-0.54 pts vs state
$183kMedian applicant income
2,301Loans originated
1,587Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,572 | 1,960 | 42.6% | 6.99% | #37 |
| 2024 | 5,297 | 2,425 | 40.8% | 7.49% | #37 |
| 2025 | 4,537 | 2,301 | 35.0% | 6.99% | #44 |
What Third Federal Savings and Loan Association of Cleveland lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 955 | 480 | 348 | 36.4% |
| Orange County | 517 | 267 | 175 | 33.8% |
| San Diego County | 491 | 257 | 149 | 30.3% |
| Riverside County | 359 | 156 | 158 | 44.0% |
| San Bernardino County | 228 | 103 | 94 | 41.2% |
| Contra Costa County | 216 | 116 | 69 | 31.9% |
| Alameda County | 211 | 115 | 56 | 26.5% |
| Ventura County | 187 | 96 | 69 | 36.9% |
| Sacramento County | 168 | 88 | 57 | 33.9% |
| Santa Clara County | 152 | 77 | 51 | 33.6% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 4,537 applications in 2025, of which 2,301 were originated and 1,587 denied.
35.0% of all applications, or 39.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in California in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Third Federal Savings and Loan Association of Cleveland's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology