Third Federal Savings and Loan Association of Cleveland in Illinois vs the state
33.4%Denial rate+16.25 pts vs state
37.7%Decision denial rate+16.00 pts vs state
52.8%Origination rate-5.93 pts vs state
6.99%Median rate+0.24 pts vs state
-0.25Rate spread (pts)-0.63 pts vs state
$168kMedian applicant income
535Loans originated
338Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 788 | 416 | 33.3% | 7.24% | #81 |
| 2024 | 1,170 | 563 | 40.3% | 7.49% | #65 |
| 2025 | 1,013 | 535 | 33.4% | 6.99% | #77 |
What Third Federal Savings and Loan Association of Cleveland lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 425 | 215 | 148 | 34.8% |
| DuPage County | 138 | 75 | 45 | 32.6% |
| Lake County | 103 | 55 | 37 | 35.9% |
| Will County | 89 | 57 | 24 | 27.0% |
| Kane County | 69 | 49 | 13 | 18.8% |
| McHenry County | 52 | 24 | 18 | 34.6% |
| Champaign County | 16 | 5 | 6 | 37.5% |
| Kendall County | 16 | 8 | 6 | 37.5% |
| St. Clair County | 11 | 6 | 4 | 36.4% |
| Winnebago County | 10 | 4 | 5 | 50.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 1,013 applications in 2025, of which 535 were originated and 338 denied.
33.4% of all applications, or 37.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Illinois in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Third Federal Savings and Loan Association of Cleveland's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology