Third Federal Savings and Loan Association of Cleveland in Georgia vs the state
33.3%Denial rate+14.05 pts vs state
37.7%Decision denial rate+12.67 pts vs state
52.6%Origination rate-1.47 pts vs state
6.99%Median rate+0.37 pts vs state
-0.26Rate spread (pts)-0.53 pts vs state
$160kMedian applicant income
772Loans originated
488Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,556 | 720 | 40.8% | 7.09% | #56 |
| 2024 | 1,827 | 884 | 39.0% | 7.49% | #52 |
| 2025 | 1,467 | 772 | 33.3% | 6.99% | #67 |
What Third Federal Savings and Loan Association of Cleveland lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 253 | 145 | 68 | 26.9% |
| Cobb County | 172 | 90 | 59 | 34.3% |
| Gwinnett County | 156 | 84 | 46 | 29.5% |
| Forsyth County | 141 | 91 | 35 | 24.8% |
| DeKalb County | 110 | 64 | 35 | 31.8% |
| Cherokee County | 102 | 56 | 37 | 36.3% |
| Fayette County | 38 | 22 | 8 | 21.1% |
| Henry County | 36 | 15 | 18 | 50.0% |
| Chatham County | 35 | 15 | 12 | 34.3% |
| Coweta County | 30 | 16 | 11 | 36.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,467 applications in 2025, of which 772 were originated and 488 denied.
33.3% of all applications, or 37.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology