Third Federal Savings and Loan Association of Cleveland in Colorado vs the state
30.1%Denial rate+14.44 pts vs state
35.1%Decision denial rate+15.39 pts vs state
54.1%Origination rate-5.95 pts vs state
6.99%Median rate+0.37 pts vs state
-0.27Rate spread (pts)-0.42 pts vs state
$173kMedian applicant income
392Loans originated
218Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 770 | 387 | 36.1% | 7.24% | #71 |
| 2024 | 888 | 407 | 41.3% | 7.49% | #62 |
| 2025 | 725 | 392 | 30.1% | 6.99% | #81 |
What Third Federal Savings and Loan Association of Cleveland lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 118 | 67 | 37 | 31.4% |
| Douglas County | 96 | 56 | 29 | 30.2% |
| Denver County | 84 | 51 | 23 | 27.4% |
| Arapahoe County | 79 | 37 | 26 | 32.9% |
| El Paso County | 56 | 34 | 11 | 19.6% |
| Larimer County | 53 | 32 | 14 | 26.4% |
| Boulder County | 53 | 26 | 14 | 26.4% |
| Weld County | 47 | 24 | 14 | 29.8% |
| Adams County | 31 | 12 | 12 | 38.7% |
| Mesa County | 24 | 13 | 8 | 33.3% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 725 applications in 2025, of which 392 were originated and 218 denied.
30.1% of all applications, or 35.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Colorado 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 Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology