Third Federal Savings and Loan Association of Cleveland in Oregon vs the state
28.9%Denial rate+13.56 pts vs state
32.6%Decision denial rate+13.39 pts vs state
58.6%Origination rate-2.04 pts vs state
6.99%Median rate+0.24 pts vs state
-0.29Rate spread (pts)-0.57 pts vs state
$157kMedian applicant income
140Loans originated
69Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 359 | 171 | 37.9% | 6.99% | #76 |
| 2024 | 339 | 170 | 39.5% | 7.49% | #79 |
| 2025 | 239 | 140 | 28.9% | 6.99% | #100 |
What Third Federal Savings and Loan Association of Cleveland lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 52 | 30 | 14 | 26.9% |
| Multnomah County | 38 | 26 | 8 | 21.1% |
| Clackamas County | 37 | 23 | 11 | 29.7% |
| Deschutes County | 15 | 11 | 3 | 20.0% |
| Lane County | 14 | 11 | 3 | 21.4% |
| Marion County | 12 | 6 | 6 | 50.0% |
| Linn County | 11 | 4 | 4 | 36.4% |
| Jackson County | 11 | 6 | 3 | 27.3% |
| Benton County | 9 | 5 | 2 | 22.2% |
| Hood River County | 5 | 3 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 239 applications in 2025, of which 140 were originated and 69 denied.
28.9% of all applications, or 32.6% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Oregon in 2025 was 6.99%, 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 Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology