Third Federal Savings and Loan Association of Cleveland in Ohio vs the state
23.0%Denial rate+5.32 pts vs state
25.8%Decision denial rate+3.94 pts vs state
63.1%Origination rate+3.24 pts vs state
6.74%Median rate-0.13 pts vs state
-0.25Rate spread (pts)-0.64 pts vs state
$110kMedian applicant income
7,970Loans originated
2,904Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13,191 | 8,471 | 24.6% | 6.74% | #4 |
| 2024 | 11,758 | 7,194 | 27.2% | 7.49% | #5 |
| 2025 | 12,622 | 7,970 | 23.0% | 6.74% | #6 |
What Third Federal Savings and Loan Association of Cleveland lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 3,791 | 2,383 | 923 | 24.3% |
| Summit County | 1,176 | 778 | 249 | 21.2% |
| Franklin County | 1,168 | 677 | 312 | 26.7% |
| Lorain County | 868 | 603 | 154 | 17.7% |
| Hamilton County | 802 | 527 | 156 | 19.5% |
| Lake County | 703 | 484 | 128 | 18.2% |
| Medina County | 677 | 472 | 105 | 15.5% |
| Delaware County | 546 | 347 | 121 | 22.2% |
| Butler County | 359 | 226 | 89 | 24.8% |
| Portage County | 277 | 176 | 55 | 19.9% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
| Union Home Mortgage | B | 7,114 | 4.6% | 6.75% |
Frequently asked questions
Ohio: 12,622 applications in 2025, of which 7,970 were originated and 2,904 denied.
23.0% of all applications, or 25.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Ohio in 2025 was 6.74%, against a statewide median of 6.88%.
About this data. Figures are Third Federal Savings and Loan Association of Cleveland's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology