Third Federal Savings and Loan Association of Cleveland in Kentucky vs the state
23.3%Denial rate+4.47 pts vs state
25.6%Decision denial rate+2.08 pts vs state
64.2%Origination rate+6.14 pts vs state
6.89%Median rate+0.14 pts vs state
-0.23Rate spread (pts)-0.54 pts vs state
$132kMedian applicant income
215Loans originated
78Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 405 | 229 | 30.9% | 6.79% | #79 |
| 2024 | 367 | 191 | 38.4% | 7.49% | #89 |
| 2025 | 335 | 215 | 23.3% | 6.89% | #102 |
What Third Federal Savings and Loan Association of Cleveland lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 91 | 59 | 21 | 23.1% |
| Kenton County | 91 | 62 | 14 | 15.4% |
| Campbell County | 51 | 39 | 8 | 15.7% |
| Jefferson County | 28 | 17 | 8 | 28.6% |
| Fayette County | 9 | 3 | 5 | 55.6% |
| Oldham County | 6 | 6 | 0 | 0.0% |
| Madison County | 5 | 4 | 1 | 20.0% |
| Warren County | 4 | 3 | 1 | 25.0% |
| Scott County | 4 | 1 | 2 | 50.0% |
| Bullitt County | 3 | 1 | 2 | 66.7% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 335 applications in 2025, of which 215 were originated and 78 denied.
23.3% of all applications, or 25.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Kentucky in 2025 was 6.89%, 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 Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology