Third Federal Savings and Loan Association of Cleveland in Missouri vs the state
31.5%Denial rate+16.42 pts vs state
35.4%Decision denial rate+16.70 pts vs state
56.8%Origination rate-5.84 pts vs state
6.99%Median rate+0.37 pts vs state
-0.27Rate spread (pts)-0.62 pts vs state
$144kMedian applicant income
175Loans originated
97Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 232 | 120 | 33.2% | 6.99% | #137 |
| 2024 | 288 | 130 | 39.9% | 7.49% | #129 |
| 2025 | 308 | 175 | 31.5% | 6.99% | #130 |
What Third Federal Savings and Loan Association of Cleveland lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 79 | 52 | 19 | 24.1% |
| St. Charles County | 43 | 30 | 6 | 14.0% |
| Jackson County | 37 | 21 | 10 | 27.0% |
| Clay County | 17 | 10 | 5 | 29.4% |
| St. Louis city | 16 | 8 | 7 | 43.8% |
| Cass County | 13 | 7 | 4 | 30.8% |
| Jefferson County | 11 | 5 | 5 | 45.5% |
| Greene County | 10 | 6 | 4 | 40.0% |
| Boone County | 9 | 7 | 1 | 11.1% |
| Christian County | 7 | 5 | 2 | 28.6% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 308 applications in 2025, of which 175 were originated and 97 denied.
31.5% of all applications, or 35.4% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology