Third Federal Savings and Loan Association of Cleveland in Pennsylvania vs the state
30.8%Denial rate+12.50 pts vs state
35.7%Decision denial rate+13.45 pts vs state
52.5%Origination rate-8.48 pts vs state
6.99%Median rate+0.37 pts vs state
-0.27Rate spread (pts)-0.51 pts vs state
$153kMedian applicant income
392Loans originated
230Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 704 | 377 | 32.2% | 6.99% | #104 |
| 2024 | 937 | 467 | 38.6% | 7.49% | #86 |
| 2025 | 747 | 392 | 30.8% | 6.99% | #121 |
What Third Federal Savings and Loan Association of Cleveland lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Third Federal Savings and Loan Association of Cleveland applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 128 | 64 | 40 | 31.3% |
| Bucks County | 102 | 64 | 23 | 22.5% |
| Chester County | 96 | 51 | 26 | 27.1% |
| Allegheny County | 56 | 25 | 20 | 35.7% |
| Delaware County | 50 | 29 | 11 | 22.0% |
| Philadelphia County | 46 | 21 | 17 | 37.0% |
| Northampton County | 30 | 12 | 14 | 46.7% |
| Lancaster County | 28 | 18 | 8 | 28.6% |
| Berks County | 21 | 13 | 6 | 28.6% |
| Lehigh County | 18 | 9 | 7 | 38.9% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 747 applications in 2025, of which 392 were originated and 230 denied.
30.8% of all applications, or 35.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Third Federal Savings and Loan Association of Cleveland originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology