Third Federal Savings and Loan Association of Cleveland in Florida vs the state
38.8%Denial rate+17.76 pts vs state
44.5%Decision denial rate+17.29 pts vs state
45.5%Origination rate-7.22 pts vs state
6.99%Median rate+0.37 pts vs state
-0.28Rate spread (pts)-0.55 pts vs state
$114kMedian applicant income
3,765Loans originated
3,214Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,349 | 4,881 | 44.3% | 6.99% | #17 |
| 2024 | 10,915 | 4,721 | 44.2% | 7.49% | #20 |
| 2025 | 8,280 | 3,765 | 38.8% | 6.99% | #26 |
What Third Federal Savings and Loan Association of Cleveland lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 1,200 | 543 | 493 | 41.1% |
| Broward County | 1,036 | 400 | 491 | 47.4% |
| Hillsborough County | 720 | 305 | 293 | 40.7% |
| Pinellas County | 713 | 391 | 216 | 30.3% |
| Lee County | 553 | 276 | 176 | 31.8% |
| Pasco County | 462 | 196 | 181 | 39.2% |
| Sarasota County | 395 | 204 | 128 | 32.4% |
| Miami-Dade County | 382 | 151 | 185 | 48.4% |
| Collier County | 356 | 185 | 117 | 32.9% |
| Manatee County | 314 | 169 | 98 | 31.2% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 8,280 applications in 2025, of which 3,765 were originated and 3,214 denied.
38.8% of all applications, or 44.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology