Third Federal Savings and Loan Association of Cleveland in Maryland vs the state
31.9%Denial rate+13.13 pts vs state
38.3%Decision denial rate+14.13 pts vs state
48.5%Origination rate-7.23 pts vs state
6.99%Median rate+0.37 pts vs state
-0.24Rate spread (pts)-0.49 pts vs state
$180kMedian applicant income
287Loans originated
189Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 462 | 192 | 42.4% | 7.24% | #85 |
| 2024 | 692 | 296 | 43.8% | 7.49% | #69 |
| 2025 | 592 | 287 | 31.9% | 6.99% | #75 |
What Third Federal Savings and Loan Association of Cleveland lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 161 | 88 | 38 | 23.6% |
| Prince George's County | 78 | 26 | 38 | 48.7% |
| Anne Arundel County | 74 | 40 | 16 | 21.6% |
| Baltimore County | 43 | 20 | 14 | 32.6% |
| Frederick County | 40 | 20 | 14 | 35.0% |
| Howard County | 38 | 20 | 5 | 13.2% |
| Carroll County | 27 | 13 | 8 | 29.6% |
| Harford County | 20 | 9 | 7 | 35.0% |
| Baltimore city | 18 | 9 | 9 | 50.0% |
| Calvert County | 15 | 9 | 5 | 33.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 592 applications in 2025, of which 287 were originated and 189 denied.
31.9% of all applications, or 38.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology