Third Federal Savings and Loan Association of Cleveland in New York vs the state
43.9%Denial rate+24.13 pts vs state
50.1%Decision denial rate+26.04 pts vs state
42.0%Origination rate-17.61 pts vs state
6.99%Median rate+0.37 pts vs state
-0.29Rate spread (pts)-0.50 pts vs state
$176kMedian applicant income
288Loans originated
301Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 286 | 112 | 45.1% | 7.24% | #167 |
| 2024 | 481 | 154 | 54.9% | 7.49% | #122 |
| 2025 | 686 | 288 | 43.9% | 6.99% | #112 |
What Third Federal Savings and Loan Association of Cleveland lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 106 | 46 | 47 | 44.3% |
| Nassau County | 105 | 43 | 50 | 47.6% |
| Westchester County | 94 | 46 | 31 | 33.0% |
| Erie County | 47 | 18 | 22 | 46.8% |
| Queens County | 42 | 15 | 21 | 50.0% |
| Kings County | 36 | 12 | 15 | 41.7% |
| Rockland County | 35 | 17 | 12 | 34.3% |
| Richmond County | 26 | 9 | 14 | 53.8% |
| Monroe County | 24 | 10 | 10 | 41.7% |
| Dutchess County | 22 | 10 | 11 | 50.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 686 applications in 2025, of which 288 were originated and 301 denied.
43.9% of all applications, or 50.1% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in New York 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 New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology