Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2025

In 2025, Third Federal Savings and Loan of Cleveland, OH reported 45,390 mortgage applications totaling $7.9 billion, down 7% from 2024. The average application was for $173,666, and applicants reported an average income of $165,683. 47% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Cleveland, OH (6,636), Columbus, OH (2,258) and Cincinnati, OH-KY-IN (1,929) (applications in parentheses).

Mortgage Company & Address Third Federal Savings and Loan
7007 Broadway Avenue
Cleveland, OH 44105
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 45,390
Total Mortgage Loan Application Amount $7,882,720,000
Average Mortgage Loan Application Amount $173,666
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $165,683
Highest Applicant Income $9,360,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Third Federal Savings and Loan by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 3,994 $ 540,160,000 $ 135,242 $ 127,000
Summit, Ohio 1,270 $ 184,920,000 $ 145,606 $ 130,000
Palm Beach, Florida 1,200 $ 170,110,000 $ 141,758 $ 163,000
Franklin, Ohio 1,192 $ 193,680,000 $ 162,483 $ 161,000
Broward, Florida 1,039 $ 144,585,000 $ 139,157 $ 141,000
Los Angeles, California 955 $ 184,585,000 $ 193,282 $ 221,000
Lorain, Ohio 897 $ 140,505,000 $ 156,638 $ 140,000
Hamilton, Ohio 803 $ 121,485,000 $ 151,288 $ 152,000
Lake, Ohio 731 $ 108,105,000 $ 147,886 $ 139,000
Hillsborough, Florida 720 $ 96,850,000 $ 134,513 $ 153,000
Pinellas, Florida 713 $ 105,595,000 $ 148,099 $ 140,000
Medina, Ohio 710 $ 119,730,000 $ 168,633 $ 146,000
Lee, Florida 553 $ 72,615,000 $ 131,311 $ 127,000
Delaware, Ohio 552 $ 108,740,000 $ 196,992 $ 193,000
Orange, California 517 $ 103,555,000 $ 200,299 $ 234,000
San Diego, California 491 $ 94,535,000 $ 192,535 $ 238,000
Pasco, Florida 462 $ 52,260,000 $ 113,116 $ 115,000
Cook, Illinois 425 $ 61,845,000 $ 145,517 $ 235,000
Sarasota, Florida 396 $ 60,790,000 $ 153,510 $ 134,000
Miami-Dade, Florida 382 $ 69,100,000 $ 180,890 $ 186,000
Collier, Florida 371 $ 68,215,000 $ 183,867 $ 158,000
Maricopa, Arizona 369 $ 49,465,000 $ 134,051 $ 175,000
Butler, Ohio 360 $ 58,810,000 $ 163,361 $ 151,000
Riverside, California 359 $ 54,765,000 $ 152,548 $ 165,000
Manatee, Florida 314 $ 48,860,000 $ 155,605 $ 147,000
Orange, Florida 314 $ 49,700,000 $ 158,280 $ 174,000
Portage, Ohio 302 $ 48,690,000 $ 161,225 $ 136,000
Mecklenburg, North Carolina 280 $ 64,310,000 $ 229,678 $ 227,000
King, Washington 274 $ 58,060,000 $ 211,897 $ 248,000
Geauga, Ohio 271 $ 53,735,000 $ 198,284 $ 158,000
Warren, Ohio 268 $ 55,220,000 $ 206,044 $ 179,000
Fulton, Georgia 253 $ 51,685,000 $ 204,288 $ 266,000
Wake, North Carolina 240 $ 53,660,000 $ 223,583 $ 213,000
Clermont, Ohio 231 $ 39,045,000 $ 169,025 $ 156,000
San Bernardino, California 228 $ 33,580,000 $ 147,280 $ 162,000
Allegheny, Pennsylvania 225 $ 74,685,000 $ 331,933 $ 189,000
Contra Costa, California 216 $ 36,670,000 $ 169,768 $ 223,000
Alameda, California 211 $ 47,115,000 $ 223,293 $ 253,000
Stark, Ohio 199 $ 25,875,000 $ 130,025 $ 134,000
Fairfax, Virginia 194 $ 35,770,000 $ 184,381 $ 244,000
Ventura, California 187 $ 33,385,000 $ 178,529 $ 216,000
Monmouth, New Jersey 174 $ 35,620,000 $ 204,712 $ 273,000
Loudoun, Virginia 174 $ 36,140,000 $ 207,701 $ 243,000
Cobb, Georgia 172 $ 26,370,000 $ 153,313 $ 236,000
Bergen, New Jersey 172 $ 35,140,000 $ 204,302 $ 234,000
Sacramento, California 168 $ 22,950,000 $ 136,607 $ 179,000
Licking, Ohio 168 $ 24,080,000 $ 143,333 $ 150,000
Montgomery, Maryland 161 $ 28,645,000 $ 177,919 $ 243,000
Gwinnett, Georgia 156 $ 22,390,000 $ 143,525 $ 183,000
Santa Clara, California 152 $ 34,550,000 $ 227,302 $ 265,000
Middlesex, New Jersey 152 $ 28,830,000 $ 189,671 $ 266,000
Forsyth, Georgia 141 $ 24,585,000 $ 174,361 $ 205,000
DuPage, Illinois 138 $ 20,460,000 $ 148,260 $ 209,000
Snohomish, Washington 136 $ 26,360,000 $ 193,823 $ 196,000
Fairfield, Ohio 135 $ 21,405,000 $ 158,555 $ 131,000
St. Johns, Florida 131 $ 23,925,000 $ 182,633 $ 224,000
Brevard, Florida 130 $ 19,420,000 $ 149,384 $ 171,000
Duval, Florida 130 $ 18,120,000 $ 139,384 $ 164,000
St. Lucie, Florida 128 $ 17,420,000 $ 136,093 $ 119,000
Middlesex, Massachusetts 128 $ 25,720,000 $ 200,937 $ 256,000
Montgomery, Pennsylvania 128 $ 21,600,000 $ 168,750 $ 245,000
Oakland, Michigan 123 $ 17,295,000 $ 140,609 $ 179,000
Placer, California 122 $ 19,320,000 $ 158,360 $ 226,000
Seminole, Florida 120 $ 20,000,000 $ 166,666 $ 170,000
Hernando, Florida 119 $ 8,565,000 $ 71,974 $ 84,000
Ocean, New Jersey 119 $ 18,655,000 $ 156,764 $ 161,000
Jefferson, Colorado 118 $ 20,290,000 $ 171,949 $ 220,000
Charlotte, Florida 110 $ 14,400,000 $ 130,909 $ 112,000
DeKalb, Georgia 110 $ 16,230,000 $ 147,545 $ 214,000
Polk, Florida 109 $ 13,635,000 $ 125,091 $ 115,000
Montgomery, Ohio 109 $ 11,545,000 $ 105,917 $ 139,000
Essex, New Jersey 107 $ 18,225,000 $ 170,327 $ 252,000
Suffolk, New York 106 $ 17,780,000 $ 167,735 $ 228,000
Nassau, New York 105 $ 18,925,000 $ 180,238 $ 254,000
Lake, Illinois 103 $ 16,765,000 $ 162,766 $ 209,000
Bucks, Pennsylvania 103 $ 17,545,000 $ 170,339 $ 197,000
Cherokee, Georgia 102 $ 15,380,000 $ 150,784 $ 176,000
Martin, Florida 100 $ 17,650,000 $ 176,500 $ 180,000
Union, Ohio 100 $ 23,550,000 $ 235,500 $ 213,000
Douglas, Colorado 96 $ 17,000,000 $ 177,083 $ 227,000
Volusia, Florida 96 $ 11,760,000 $ 122,500 $ 146,000
Chester, Pennsylvania 96 $ 16,970,000 $ 176,770 $ 258,000
Lake, Florida 95 $ 14,375,000 $ 151,315 $ 143,000
Union, North Carolina 95 $ 20,205,000 $ 212,684 $ 204,000
Morris, New Jersey 94 $ 19,160,000 $ 203,829 $ 235,000
Westchester, New York 94 $ 19,450,000 $ 206,914 $ 363,000
Williamson, Tennessee 94 $ 20,470,000 $ 217,765 $ 206,000
Burlington, New Jersey 92 $ 15,980,000 $ 173,695 $ 175,000
Hamilton, Indiana 91 $ 16,885,000 $ 185,549 $ 193,000
Boone, Kentucky 91 $ 15,455,000 $ 169,835 $ 160,000
Kenton, Kentucky 91 $ 15,045,000 $ 165,329 $ 155,000
Will, Illinois 89 $ 13,315,000 $ 149,606 $ 207,000
Somerset, New Jersey 86 $ 17,260,000 $ 200,697 $ 251,000
Union, New Jersey 85 $ 13,885,000 $ 163,352 $ 224,000
Denver, Colorado 84 $ 14,680,000 $ 174,761 $ 285,000
York, South Carolina 82 $ 18,290,000 $ 223,048 $ 193,000
Western Connecticut Planning Region, Connecticut 81 $ 14,555,000 $ 179,691 $ 246,000
Arapahoe, Colorado 79 $ 12,885,000 $ 163,101 $ 212,000
St. Louis, Missouri 79 $ 11,345,000 $ 143,607 $ 210,000
Prince George's, Maryland 78 $ 10,190,000 $ 130,641 $ 188,000
Marion, Indiana 76 $ 15,780,000 $ 207,631 $ 168,000
Prince William, Virginia 76 $ 10,400,000 $ 136,842 $ 196,000
Buncombe, North Carolina 75 $ 22,795,000 $ 303,933 $ 172,000
Anne Arundel, Maryland 74 $ 9,980,000 $ 134,864 $ 212,000
Pierce, Washington 74 $ 11,910,000 $ 160,945 $ 169,000
San Joaquin, California 72 $ 10,360,000 $ 143,888 $ 169,000
Osceola, Florida 69 $ 9,645,000 $ 139,782 $ 145,000
Kane, Illinois 69 $ 9,475,000 $ 137,318 $ 184,000
Essex, Massachusetts 69 $ 14,185,000 $ 205,579 $ 231,000
Capitol Planning Region, Connecticut 68 $ 9,790,000 $ 143,970 $ 161,000
Charleston, South Carolina 67 $ 10,765,000 $ 160,671 $ 192,000
San Mateo, California 66 $ 15,260,000 $ 231,212 $ 326,000
Guilford, North Carolina 66 $ 10,190,000 $ 154,393 $ 129,000
Norfolk, Massachusetts 65 $ 12,555,000 $ 193,153 $ 308,000
Iredell, North Carolina 63 $ 15,135,000 $ 240,238 $ 204,000
Pima, Arizona 62 $ 6,900,000 $ 111,290 $ 123,000
Marin, California 62 $ 12,530,000 $ 202,096 $ 276,000
Sonoma, California 62 $ 10,600,000 $ 170,967 $ 234,000
Wayne, Ohio 62 $ 9,520,000 $ 153,548 $ 133,000
Hennepin, Minnesota 61 $ 10,675,000 $ 175,000 $ 231,000
Santa Barbara, California 60 $ 12,520,000 $ 208,666 $ 228,000
Marion, Florida 59 $ 8,115,000 $ 137,542 $ 80,000
Cabarrus, North Carolina 59 $ 14,675,000 $ 248,728 $ 177,000
San Luis Obispo, California 57 $ 10,615,000 $ 186,228 $ 175,000
Wayne, Michigan 57 $ 5,885,000 $ 103,245 $ 194,000
El Paso, Colorado 56 $ 7,790,000 $ 139,107 $ 154,000
Kern, California 55 $ 6,105,000 $ 111,000 $ 142,000
Macomb, Michigan 55 $ 5,415,000 $ 98,454 $ 129,000
Mercer, New Jersey 55 $ 10,835,000 $ 197,000 $ 189,000
Mahoning, Ohio 55 $ 8,565,000 $ 155,727 $ 134,000
Greenville, South Carolina 55 $ 8,405,000 $ 152,818 $ 131,000
Passaic, New Jersey 54 $ 9,500,000 $ 175,925 $ 214,000
Boulder, Colorado 53 $ 10,065,000 $ 189,905 $ 251,000
Larimer, Colorado 53 $ 8,955,000 $ 168,962 $ 177,000
Fresno, California 52 $ 6,290,000 $ 120,961 $ 166,000
Santa Cruz, California 52 $ 10,520,000 $ 202,307 $ 232,000
McHenry, Illinois 52 $ 6,990,000 $ 134,423 $ 184,000
Washington, Oregon 52 $ 7,720,000 $ 148,461 $ 176,000
Davidson, Tennessee 52 $ 9,570,000 $ 184,038 $ 181,000
Clark, Washington 52 $ 8,870,000 $ 170,576 $ 187,000
Campbell, Kentucky 51 $ 8,775,000 $ 172,058 $ 149,000
Delaware, Pennsylvania 51 $ 10,815,000 $ 212,058 $ 221,000
Plymouth, Massachusetts 50 $ 9,130,000 $ 182,600 $ 192,000
Camden, New Jersey 50 $ 7,800,000 $ 156,000 $ 206,000
Gloucester, New Jersey 50 $ 8,260,000 $ 165,200 $ 170,000
Lucas, Ohio 50 $ 6,450,000 $ 129,000 $ 114,000
Horry, South Carolina 50 $ 6,420,000 $ 128,400 $ 133,000
San Francisco, California 49 $ 10,235,000 $ 208,877 $ 300,000
Sumter, Florida 49 $ 10,195,000 $ 208,061 $ 161,000
Weld, Colorado 47 $ 7,435,000 $ 158,191 $ 188,000
Erie, New York 47 $ 6,065,000 $ 129,042 $ 181,000
Chesterfield, Virginia 47 $ 5,755,000 $ 122,446 $ 182,000
Philadelphia, Pennsylvania 46 $ 4,710,000 $ 102,391 $ 125,000
Rockingham, New Hampshire 45 $ 7,715,000 $ 171,444 $ 204,000
Durham, North Carolina 45 $ 9,025,000 $ 200,555 $ 178,000
Greene, Ohio 45 $ 6,165,000 $ 137,000 $ 149,000
Hudson, New Jersey 44 $ 8,610,000 $ 195,681 $ 209,000
Baltimore, Maryland 43 $ 6,605,000 $ 153,604 $ 154,000
St. Charles, Missouri 43 $ 4,805,000 $ 111,744 $ 172,000
Erie, Ohio 43 $ 8,415,000 $ 195,697 $ 157,000
Stanislaus, California 42 $ 5,310,000 $ 126,428 $ 222,000
Queens, New York 42 $ 9,180,000 $ 218,571 $ 207,000
Knox, Tennessee 42 $ 6,770,000 $ 161,190 $ 210,000
Shelby, Tennessee 42 $ 5,740,000 $ 136,666 $ 227,000
El Dorado, California 41 $ 5,685,000 $ 138,658 $ 189,000
District of Columbia, District Of Columbia 40 $ 8,400,000 $ 210,000 $ 267,000
Flagler, Florida 40 $ 5,480,000 $ 137,000 $ 116,000
Indian River, Florida 40 $ 5,980,000 $ 149,500 $ 136,000
Frederick, Maryland 40 $ 6,360,000 $ 159,000 $ 194,000
Hillsborough, New Hampshire 40 $ 6,430,000 $ 160,750 $ 186,000
Madison, Ohio 40 $ 5,690,000 $ 142,250 $ 146,000
Butler, Pennsylvania 40 $ 12,860,000 $ 321,500 $ 184,000
Trumbull, Ohio 39 $ 4,065,000 $ 104,230 $ 93,000
Fayette, Georgia 38 $ 8,220,000 $ 216,315 $ 193,000
Howard, Maryland 38 $ 7,300,000 $ 192,105 $ 261,000
Worcester, Massachusetts 38 $ 5,490,000 $ 144,473 $ 178,000
Kent, Michigan 38 $ 5,540,000 $ 145,789 $ 139,000
Hunterdon, New Jersey 38 $ 5,670,000 $ 149,210 $ 200,000
Multnomah, Oregon 38 $ 5,270,000 $ 138,684 $ 176,000
Monterey, California 37 $ 6,375,000 $ 172,297 $ 201,000
Jackson, Missouri 37 $ 3,775,000 $ 102,027 $ 176,000
Pickaway, Ohio 37 $ 3,725,000 $ 100,675 $ 144,000
Clackamas, Oregon 37 $ 5,435,000 $ 146,891 $ 218,000
Henrico, Virginia 37 $ 5,985,000 $ 161,756 $ 195,000
Greater Bridgeport Planning Region, Connecticut 36 $ 5,800,000 $ 161,111 $ 289,000
Clay, Florida 36 $ 4,270,000 $ 118,611 $ 139,000
Henry, Georgia 36 $ 3,370,000 $ 93,611 $ 120,000
Kings, New York 36 $ 7,490,000 $ 208,055 $ 183,000
Chatham, Georgia 35 $ 4,295,000 $ 122,714 $ 170,000
Rockland, New York 35 $ 6,195,000 $ 177,000 $ 241,000
Hamilton, Tennessee 35 $ 4,885,000 $ 139,571 $ 147,000
Solano, California 34 $ 4,700,000 $ 138,235 $ 151,000
South Central Connecticut Planning Region, Connecticut 34 $ 5,610,000 $ 165,000 $ 191,000
Forsyth, North Carolina 34 $ 6,030,000 $ 177,352 $ 147,000
Henderson, North Carolina 34 $ 9,270,000 $ 272,647 $ 136,000
New Hanover, North Carolina 34 $ 5,560,000 $ 163,529 $ 154,000
Virginia Beach, Virginia 34 $ 5,030,000 $ 147,941 $ 203,000
Citrus, Florida 33 $ 3,565,000 $ 108,030 $ 119,000
Washtenaw, Michigan 33 $ 6,125,000 $ 185,606 $ 205,000
Ashtabula, Ohio 33 $ 5,555,000 $ 168,333 $ 131,000
Lancaster, Pennsylvania 33 $ 5,515,000 $ 167,121 $ 159,000
Naugatuck Valley Planning Region, Connecticut 32 $ 4,590,000 $ 143,437 $ 188,000
Adams, Colorado 31 $ 3,515,000 $ 113,387 $ 167,000
Northampton, Pennsylvania 31 $ 3,405,000 $ 109,838 $ 123,000
Coweta, Georgia 30 $ 3,720,000 $ 124,000 $ 173,000
Lake, Indiana 30 $ 4,050,000 $ 135,000 $ 167,000
Atlantic, New Jersey 30 $ 3,980,000 $ 132,666 $ 163,000
Santa Rosa, Florida 29 $ 4,365,000 $ 150,517 $ 149,000
Lancaster, South Carolina 29 $ 6,655,000 $ 229,482 $ 151,000
Spokane, Washington 29 $ 5,515,000 $ 190,172 $ 169,000
Pinal, Arizona 28 $ 2,810,000 $ 100,357 $ 132,000
Hendricks, Indiana 28 $ 6,180,000 $ 220,714 $ 178,000
Jefferson, Kentucky 28 $ 3,490,000 $ 124,642 $ 141,000
Spartanburg, South Carolina 28 $ 2,930,000 $ 104,642 $ 94,000
Whatcom, Washington 28 $ 5,190,000 $ 185,357 $ 163,000
Carroll, Maryland 27 $ 3,555,000 $ 131,666 $ 176,000
Johnston, North Carolina 27 $ 3,205,000 $ 118,703 $ 120,000
Knox, Ohio 27 $ 5,175,000 $ 191,666 $ 142,000
Beaufort, South Carolina 27 $ 4,055,000 $ 150,185 $ 190,000
Spotsylvania, Virginia 27 $ 4,145,000 $ 153,518 $ 169,000
Richmond, New York 26 $ 3,600,000 $ 138,461 $ 163,000
Brunswick, North Carolina 26 $ 3,960,000 $ 152,307 $ 146,000
Richland, Ohio 26 $ 2,600,000 $ 100,000 $ 104,000
Escambia, Florida 25 $ 4,225,000 $ 169,000 $ 152,000
Lincoln, North Carolina 25 $ 4,085,000 $ 163,400 $ 143,000
Chesapeake, Virginia 25 $ 2,425,000 $ 97,000 $ 140,000
Mesa, Colorado 24 $ 2,620,000 $ 109,166 $ 127,000
Monroe, New York 24 $ 3,140,000 $ 130,833 $ 134,000
Rutherford, Tennessee 24 $ 2,700,000 $ 112,500 $ 137,000
Stafford, Virginia 24 $ 3,310,000 $ 137,916 $ 185,000
Thurston, Washington 24 $ 3,350,000 $ 139,583 $ 193,000
Nevada, California 23 $ 3,295,000 $ 143,260 $ 185,000
Bristol, Massachusetts 23 $ 4,135,000 $ 179,782 $ 208,000
Haywood, North Carolina 23 $ 4,765,000 $ 207,173 $ 126,000
Westmoreland, Pennsylvania 23 $ 5,925,000 $ 257,608 $ 161,000
Lexington, South Carolina 23 $ 2,375,000 $ 103,260 $ 142,000
Alexandria, Virginia 23 $ 3,785,000 $ 164,565 $ 240,000
Alachua, Florida 22 $ 2,790,000 $ 126,818 $ 197,000
Leon, Florida 22 $ 1,870,000 $ 85,000 $ 130,000
Dutchess, New York 22 $ 3,930,000 $ 178,636 $ 201,000
Orange, New York 22 $ 3,430,000 $ 155,909 $ 339,000
Huron, Ohio 22 $ 2,460,000 $ 111,818 $ 129,000
Tuscarawas, Ohio 22 $ 2,300,000 $ 104,545 $ 161,000
Washington, Pennsylvania 22 $ 9,850,000 $ 447,727 $ 247,000
Kitsap, Washington 22 $ 3,540,000 $ 160,909 $ 187,000
Merced, California 21 $ 2,515,000 $ 119,761 $ 144,000
Napa, California 21 $ 3,945,000 $ 187,857 $ 227,000
Chatham, North Carolina 21 $ 4,545,000 $ 216,428 $ 201,000
Gaston, North Carolina 21 $ 3,965,000 $ 188,809 $ 163,000
Marion, Ohio 21 $ 2,395,000 $ 114,047 $ 84,000
Wood, Ohio 21 $ 3,185,000 $ 151,666 $ 159,000
Berks, Pennsylvania 21 $ 2,685,000 $ 127,857 $ 176,000
Arlington, Virginia 21 $ 4,785,000 $ 227,857 $ 330,000
Nassau, Florida 20 $ 2,180,000 $ 109,000 $ 140,000
Okaloosa, Florida 20 $ 3,350,000 $ 167,500 $ 165,000
Harford, Maryland 20 $ 2,800,000 $ 140,000 $ 147,000
Barnstable, Massachusetts 20 $ 3,390,000 $ 169,500 $ 176,000
Suffolk, Massachusetts 20 $ 2,440,000 $ 122,000 $ 254,000
Alamance, North Carolina 20 $ 3,480,000 $ 174,000 $ 144,000
Miami, Ohio 20 $ 3,770,000 $ 188,500 $ 136,000
Ottawa, Ohio 20 $ 5,530,000 $ 276,500 $ 161,000
Lehigh, Pennsylvania 20 $ 3,160,000 $ 158,000 $ 138,000
Richland, South Carolina 20 $ 1,920,000 $ 96,000 $ 150,000
Sumner, Tennessee 20 $ 4,350,000 $ 217,500 $ 175,000
Yavapai, Arizona 19 $ 2,295,000 $ 120,789 $ 113,000
Sussex, New Jersey 19 $ 2,725,000 $ 143,421 $ 145,000
Clark, Ohio 19 $ 2,465,000 $ 129,736 $ 148,000
Beaver, Pennsylvania 19 $ 3,195,000 $ 168,157 $ 114,000
York, Pennsylvania 19 $ 3,735,000 $ 196,578 $ 124,000
Yolo, California 18 $ 3,130,000 $ 173,888 $ 204,000
Paulding, Georgia 18 $ 1,960,000 $ 108,888 $ 157,000
Baltimore City, Maryland 18 $ 1,800,000 $ 100,000 $ 163,000
Orange, North Carolina 18 $ 3,460,000 $ 192,222 $ 238,000
Ashland, Ohio 18 $ 2,540,000 $ 141,111 $ 82,000
Morrow, Ohio 18 $ 2,700,000 $ 150,000 $ 129,000
Muskingum, Ohio 18 $ 2,640,000 $ 146,666 $ 111,000
Anderson, South Carolina 18 $ 1,430,000 $ 79,444 $ 110,000
Wilson, Tennessee 18 $ 2,170,000 $ 120,555 $ 164,000
Bay, Florida 17 $ 2,595,000 $ 152,647 $ 132,000
Hall, Georgia 17 $ 2,445,000 $ 143,823 $ 147,000
Allen, Indiana 17 $ 1,615,000 $ 95,000 $ 123,000
Porter, Indiana 17 $ 1,555,000 $ 91,470 $ 157,000
Genesee, Michigan 17 $ 1,565,000 $ 92,058 $ 159,000
Dakota, Minnesota 17 $ 3,005,000 $ 176,764 $ 147,000
Clay, Missouri 17 $ 1,885,000 $ 110,882 $ 156,000
Davidson, North Carolina 17 $ 2,525,000 $ 148,529 $ 147,000
Pitt, North Carolina 17 $ 2,205,000 $ 129,705 $ 116,000
Monroe, Pennsylvania 17 $ 2,625,000 $ 154,411 $ 125,000
Hanover, Virginia 17 $ 2,385,000 $ 140,294 $ 190,000
Shasta, California 16 $ 2,110,000 $ 131,875 $ 218,000
Columbia, Georgia 16 $ 2,150,000 $ 134,375 $ 206,000
Effingham, Georgia 16 $ 1,960,000 $ 122,500 $ 159,000
Jackson, Georgia 16 $ 2,310,000 $ 144,375 $ 147,000
Champaign, Illinois 16 $ 1,620,000 $ 101,250 $ 188,000
Kendall, Illinois 16 $ 1,920,000 $ 120,000 $ 206,000
St. Louis City, Missouri 16 $ 1,450,000 $ 90,625 $ 170,000
Bronx, New York 16 $ 2,000,000 $ 125,000 $ 155,000
Cumberland, Pennsylvania 16 $ 3,630,000 $ 226,875 $ 143,000
St. Joseph, Indiana 15 $ 1,855,000 $ 123,666 $ 123,000
Calvert, Maryland 15 $ 2,075,000 $ 138,333 $ 203,000
Washington, Minnesota 15 $ 2,295,000 $ 153,000 $ 205,000
Brown, Ohio 15 $ 2,245,000 $ 149,666 $ 129,000
Deschutes, Oregon 15 $ 2,845,000 $ 189,666 $ 213,000
Dauphin, Pennsylvania 15 $ 3,865,000 $ 257,666 $ 145,000
Richmond City, Virginia 15 $ 2,295,000 $ 153,000 $ 245,000
Benton, Washington 15 $ 1,805,000 $ 120,333 $ 176,000
Monroe, Florida 14 $ 2,670,000 $ 190,714 $ 156,000
Houston, Georgia 14 $ 1,340,000 $ 95,714 $ 156,000
Anoka, Minnesota 14 $ 1,070,000 $ 76,428 $ 142,000
Putnam, New York 14 $ 1,600,000 $ 114,285 $ 171,000
Rowan, North Carolina 14 $ 3,250,000 $ 232,142 $ 182,000
Lane, Oregon 14 $ 2,200,000 $ 157,142 $ 191,000
Erie, Pennsylvania 14 $ 3,250,000 $ 232,142 $ 108,000
Chelan, Washington 14 $ 3,240,000 $ 231,428 $ 188,000
Hancock, Indiana 13 $ 2,005,000 $ 154,230 $ 106,000
Livingston, Michigan 13 $ 1,695,000 $ 130,384 $ 165,000
Cass, Missouri 13 $ 1,445,000 $ 111,153 $ 222,000
Moore, North Carolina 13 $ 2,065,000 $ 158,846 $ 170,000
Columbiana, Ohio 13 $ 1,375,000 $ 105,769 $ 101,000
Logan, Ohio 13 $ 2,665,000 $ 205,000 $ 114,000
Butte, California 12 $ 1,470,000 $ 122,500 $ 213,000
Northwest Hills Planning Region, Connecticut 12 $ 980,000 $ 81,666 $ 113,000
Bartow, Georgia 12 $ 1,570,000 $ 130,833 $ 253,000
Carroll, Georgia 12 $ 800,000 $ 66,666 $ 434,000
Cecil, Maryland 12 $ 1,030,000 $ 85,833 $ 109,000
Ottawa, Michigan 12 $ 1,350,000 $ 112,500 $ 121,000
Ramsey, Minnesota 12 $ 1,900,000 $ 158,333 $ 189,000
Cape May, New Jersey 12 $ 2,210,000 $ 184,166 $ 211,000
Cumberland, North Carolina 12 $ 960,000 $ 80,000 $ 106,000
Pender, North Carolina 12 $ 1,480,000 $ 123,333 $ 144,000
Watauga, North Carolina 12 $ 3,250,000 $ 270,833 $ 185,000
Marion, Oregon 12 $ 2,070,000 $ 172,500 $ 149,000
Berkeley, South Carolina 12 $ 2,000,000 $ 166,666 $ 137,000
Fauquier, Virginia 12 $ 1,820,000 $ 151,666 $ 246,000
Island, Washington 12 $ 1,590,000 $ 132,500 $ 139,000
Mohave, Arizona 11 $ 1,415,000 $ 128,636 $ 140,000
Tulare, California 11 $ 985,000 $ 89,545 $ 137,000
Broomfield, Colorado 11 $ 2,455,000 $ 223,181 $ 300,000
Highlands, Florida 11 $ 1,385,000 $ 125,909 $ 143,000
Barrow, Georgia 11 $ 1,185,000 $ 107,727 $ 138,000
Oconee, Georgia 11 $ 1,885,000 $ 171,363 $ 135,000
Walton, Georgia 11 $ 1,505,000 $ 136,818 $ 174,000
St. Clair, Illinois 11 $ 835,000 $ 75,909 $ 170,000
Boone, Indiana 11 $ 3,015,000 $ 274,090 $ 227,000
Johnson, Indiana 11 $ 1,385,000 $ 125,909 $ 171,000
St. Mary's, Maryland 11 $ 1,485,000 $ 135,000 $ 187,000
Monroe, Michigan 11 $ 1,275,000 $ 115,909 $ 233,000
Carver, Minnesota 11 $ 1,575,000 $ 143,181 $ 176,000
Jefferson, Missouri 11 $ 1,095,000 $ 99,545 $ 137,000
Merrimack, New Hampshire 11 $ 1,205,000 $ 109,545 $ 154,000
Cleveland, North Carolina 11 $ 1,115,000 $ 101,363 $ 104,000
Transylvania, North Carolina 11 $ 2,805,000 $ 255,000 $ 105,000
Carroll, Ohio 11 $ 2,435,000 $ 221,363 $ 219,000
Jackson, Oregon 11 $ 1,285,000 $ 116,818 $ 171,000
Linn, Oregon 11 $ 1,075,000 $ 97,727 $ 86,000
Aiken, South Carolina 11 $ 1,075,000 $ 97,727 $ 157,000
Skagit, Washington 11 $ 1,065,000 $ 96,818 $ 119,000
Yakima, Washington 11 $ 1,265,000 $ 115,000 $ 162,000
Yuma, Arizona 10 $ 760,000 $ 76,000 $ 129,000
Garfield, Colorado 10 $ 2,390,000 $ 239,000 $ 168,000
Clarke, Georgia 10 $ 1,610,000 $ 161,000 $ 170,000
Douglas, Georgia 10 $ 1,120,000 $ 112,000 $ 182,000
Peoria, Illinois 10 $ 870,000 $ 87,000 $ 441,000
Winnebago, Illinois 10 $ 620,000 $ 62,000 $ 123,000
Dearborn, Indiana 10 $ 1,260,000 $ 126,000 $ 107,000
Elkhart, Indiana 10 $ 1,350,000 $ 135,000 $ 136,000
Washington, Maryland 10 $ 1,210,000 $ 121,000 $ 153,000
Worcester, Maryland 10 $ 2,530,000 $ 253,000 $ 232,000
Kalamazoo, Michigan 10 $ 1,570,000 $ 157,000 $ 140,000
St. Clair, Michigan 10 $ 590,000 $ 59,000 $ 127,000
Greene, Missouri 10 $ 1,620,000 $ 162,000 $ 114,000
Warren, New Jersey 10 $ 1,400,000 $ 140,000 $ 161,000
Ulster, New York 10 $ 1,110,000 $ 111,000 $ 99,000
Catawba, North Carolina 10 $ 2,090,000 $ 209,000 $ 148,000
Craven, North Carolina 10 $ 1,040,000 $ 104,000 $ 135,000
Allen, Ohio 10 $ 980,000 $ 98,000 $ 139,000
Clinton, Ohio 10 $ 1,600,000 $ 160,000 $ 99,000
Preble, Ohio 10 $ 1,110,000 $ 111,000 $ 97,000
Ross, Ohio 10 $ 1,210,000 $ 121,000 $ 107,000
Dorchester, South Carolina 10 $ 1,500,000 $ 150,000 $ 171,000
Albemarle, Virginia 10 $ 2,220,000 $ 222,000 $ 185,000
Bedford, Virginia 10 $ 1,290,000 $ 129,000 $ 164,000
Madera, California 9 $ 1,095,000 $ 121,666 $ 227,000
Sutter, California 9 $ 1,015,000 $ 112,777 $ 171,000
Newton, Georgia 9 $ 955,000 $ 106,111 $ 94,000
Putnam, Georgia 9 $ 2,665,000 $ 296,111 $ 290,000
Madison, Illinois 9 $ 1,235,000 $ 137,222 $ 205,000
Madison, Indiana 9 $ 1,375,000 $ 152,777 $ 89,000
Fayette, Kentucky 9 $ 1,435,000 $ 159,444 $ 97,000
Queen Anne's, Maryland 9 $ 1,485,000 $ 165,000 $ 191,000
Boone, Missouri 9 $ 1,035,000 $ 115,000 $ 107,000
Saratoga, New York 9 $ 1,235,000 $ 137,222 $ 210,000
Burke, North Carolina 9 $ 1,975,000 $ 219,444 $ 111,000
Carteret, North Carolina 9 $ 1,385,000 $ 153,888 $ 152,000
Crawford, Ohio 9 $ 485,000 $ 53,888 $ 69,000
Hancock, Ohio 9 $ 645,000 $ 71,666 $ 102,000
Perry, Ohio 9 $ 1,585,000 $ 176,111 $ 124,000
Benton, Oregon 9 $ 1,455,000 $ 161,666 $ 114,000
Blount, Tennessee 9 $ 1,485,000 $ 165,000 $ 130,000
Maury, Tennessee 9 $ 1,455,000 $ 161,666 $ 152,000
Frederick, Virginia 9 $ 845,000 $ 93,888 $ 167,000
James City, Virginia 9 $ 1,335,000 $ 148,333 $ 189,000
Walton, Florida 8 $ 1,850,000 $ 231,250 $ 325,000
Catoosa, Georgia 8 $ 1,070,000 $ 133,750 $ 124,000
Clayton, Georgia 8 $ 900,000 $ 112,500 $ 90,000
Muscogee, Georgia 8 $ 660,000 $ 82,500 $ 93,000
Rockdale, Georgia 8 $ 1,180,000 $ 147,500 $ 160,000
Delaware, Indiana 8 $ 700,000 $ 87,500 $ 211,000
Tippecanoe, Indiana 8 $ 1,080,000 $ 135,000 $ 141,000
Scott, Minnesota 8 $ 1,250,000 $ 156,250 $ 172,000
Salem, New Jersey 8 $ 930,000 $ 116,250 $ 173,000
Franklin, North Carolina 8 $ 2,020,000 $ 252,500 $ 163,000
Athens, Ohio 8 $ 730,000 $ 91,250 $ 104,000
Auglaize, Ohio 8 $ 500,000 $ 62,500 $ 95,000
Champaign, Ohio 8 $ 670,000 $ 83,750 $ 90,000
Fulton, Ohio 8 $ 880,000 $ 110,000 $ 84,000
Lawrence, Pennsylvania 8 $ 1,940,000 $ 242,500 $ 175,000
Cumberland, Tennessee 8 $ 1,140,000 $ 142,500 $ 81,000
Warren, Virginia 8 $ 840,000 $ 105,000 $ 182,000
Waukesha, Wisconsin 8 $ 1,040,000 $ 130,000 $ 123,000
Summit, Colorado 7 $ 1,215,000 $ 173,571 $ 141,000
Lower Connecticut River Valley Planning Region, Connecticut 7 $ 1,455,000 $ 207,857 $ 228,000
Suwannee, Florida 7 $ 825,000 $ 117,857 $ 154,000
Bibb, Georgia 7 $ 625,000 $ 89,285 $ 112,000
Floyd, Georgia 7 $ 655,000 $ 93,571 $ 115,000
Glynn, Georgia 7 $ 765,000 $ 109,285 $ 78,000
DeKalb, Illinois 7 $ 725,000 $ 103,571 $ 104,000
LaPorte, Indiana 7 $ 805,000 $ 115,000 $ 141,000
Vigo, Indiana 7 $ 785,000 $ 112,142 $ 83,000
Hampshire, Massachusetts 7 $ 1,395,000 $ 199,285 $ 239,000
Berrien, Michigan 7 $ 845,000 $ 120,714 $ 237,000
Lenawee, Michigan 7 $ 1,375,000 $ 196,428 $ 119,000
Christian, Missouri 7 $ 1,295,000 $ 185,000 $ 148,000
Caldwell, North Carolina 7 $ 935,000 $ 133,571 $ 120,000
Nash, North Carolina 7 $ 855,000 $ 122,142 $ 130,000
Hocking, Ohio 7 $ 2,315,000 $ 330,714 $ 201,000
Scioto, Ohio 7 $ 615,000 $ 87,857 $ 123,000
Washington, Ohio 7 $ 815,000 $ 116,428 $ 102,000
Luzerne, Pennsylvania 7 $ 715,000 $ 102,142 $ 345,000
Pike, Pennsylvania 7 $ 625,000 $ 89,285 $ 107,000
Georgetown, South Carolina 7 $ 805,000 $ 115,000 $ 138,000
Jasper, South Carolina 7 $ 2,095,000 $ 299,285 $ 148,000
Pickens, South Carolina 7 $ 845,000 $ 120,714 $ 126,000
Culpeper, Virginia 7 $ 1,225,000 $ 175,000 $ 143,000
King George, Virginia 7 $ 855,000 $ 122,142 $ 182,000
Portsmouth, Virginia 7 $ 645,000 $ 92,142 $ 147,000
Roanoke City, Virginia 7 $ 465,000 $ 66,428 $ 129,000
Clallam, Washington 7 $ 605,000 $ 86,428 $ 163,000
Cochise, Arizona 6 $ 530,000 $ 88,333 $ 73,000
Southeastern Connecticut Planning Region, Connecticut 6 $ 620,000 $ 103,333 $ 133,000
Dawson, Georgia 6 $ 930,000 $ 155,000 $ 156,000
Greene, Georgia 6 $ 1,570,000 $ 261,666 $ 170,000
Liberty, Georgia 6 $ 340,000 $ 56,666 $ 72,000
Richmond, Georgia 6 $ 430,000 $ 71,666 $ 85,000
Clark, Indiana 6 $ 810,000 $ 135,000 $ 123,000
Floyd, Indiana 6 $ 890,000 $ 148,333 $ 150,000
Franklin, Indiana 6 $ 850,000 $ 141,666 $ 135,000
Monroe, Indiana 6 $ 510,000 $ 85,000 $ 85,000
Putnam, Indiana 6 $ 780,000 $ 130,000 $ 100,000
Oldham, Kentucky 6 $ 560,000 $ 93,333 $ 218,000
Allegany, Maryland 6 $ 360,000 $ 60,000 $ 47,000
Charles, Maryland 6 $ 590,000 $ 98,333 $ 145,000
Grand Traverse, Michigan 6 $ 1,220,000 $ 203,333 $ 229,000
Muskegon, Michigan 6 $ 560,000 $ 93,333 $ 104,000
Buchanan, Missouri 6 $ 750,000 $ 125,000 $ 121,000
Platte, Missouri 6 $ 670,000 $ 111,666 $ 176,000
Cumberland, New Jersey 6 $ 430,000 $ 71,666 $ 69,000
Broome, New York 6 $ 590,000 $ 98,333 $ 109,000
Dare, North Carolina 6 $ 500,000 $ 83,333 $ 138,000
Granville, North Carolina 6 $ 1,050,000 $ 175,000 $ 134,000
Madison, North Carolina 6 $ 1,590,000 $ 265,000 $ 158,000
Onslow, North Carolina 6 $ 630,000 $ 105,000 $ 82,000
Polk, North Carolina 6 $ 1,940,000 $ 323,333 $ 154,000
Randolph, North Carolina 6 $ 500,000 $ 83,333 $ 101,000
Rutherford, North Carolina 6 $ 870,000 $ 145,000 $ 112,000
Coshocton, Ohio 6 $ 570,000 $ 95,000 $ 125,000
Highland, Ohio 6 $ 670,000 $ 111,666 $ 134,000
Seneca, Ohio 6 $ 630,000 $ 105,000 $ 100,000
Carbon, Pennsylvania 6 $ 400,000 $ 66,666 $ 71,000
Franklin, Pennsylvania 6 $ 600,000 $ 100,000 $ 110,000
Mercer, Pennsylvania 6 $ 1,380,000 $ 230,000 $ 139,000
Laurens, South Carolina 6 $ 1,000,000 $ 166,666 $ 137,000
Bradley, Tennessee 6 $ 930,000 $ 155,000 $ 142,000
Fayette, Tennessee 6 $ 880,000 $ 146,666 $ 182,000
Lawrence, Tennessee 6 $ 1,090,000 $ 181,666 $ 103,000
Montgomery, Tennessee 6 $ 400,000 $ 66,666 $ 144,000
Sullivan, Tennessee 6 $ 850,000 $ 141,666 $ 107,000
Augusta, Virginia 6 $ 430,000 $ 71,666 $ 140,000
Lynchburg, Virginia 6 $ 550,000 $ 91,666 $ 139,000
Manassas, Virginia 6 $ 790,000 $ 131,666 $ 159,000
Norfolk, Virginia 6 $ 1,030,000 $ 171,666 $ 168,000
Jefferson, Washington 6 $ 860,000 $ 143,333 $ 94,000
Kittitas, Washington 6 $ 1,000,000 $ 166,666 $ 219,000
Milwaukee, Wisconsin 6 $ 760,000 $ 126,666 $ 170,000
Coconino, Arizona 5 $ 395,000 $ 79,000 $ 83,000
Calaveras, California 5 $ 275,000 $ 55,000 $ 94,000
Humboldt, California 5 $ 385,000 $ 77,000 $ 85,000
Kings, California 5 $ 505,000 $ 101,000 $ 225,000
Lake, California 5 $ 365,000 $ 73,000 $ 145,000
Yuba, California 5 $ 365,000 $ 73,000 $ 95,000
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Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 12,363 $2,157,555,000 $174,000 $1,305,000 $186,000 $9,360,000
Other Purpose 12,319 $1,445,055,000 $117,000 $1,725,000 $160,000 $4,184,000
Home Purchase 10,521 $3,122,685,000 $296,000 $2,005,000 $148,000 $8,498,000
Home Improvement 9,577 $978,885,000 $102,000 $655,000 $167,000 $9,100,000
Cash-out Refinancing 610 $178,540,000 $292,000 $1,605,000 $153,000 $1,675,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 30,217 $5,123,815,000 $169,000 $2,005,000 $164,000 $8,259,000
Not Provided 4,756 $881,490,000 $185,000 $1,685,000 $194,000 $9,360,000
Hispanic 3,677 $527,385,000 $143,000 $1,505,000 $149,000 $5,201,000
Asian 2,789 $594,255,000 $213,000 $1,725,000 $204,000 $8,498,000
Black or African American 2,374 $270,880,000 $114,000 $1,605,000 $114,000 $4,788,000
Not applicable 1,283 $446,505,000 $348,000 $1,785,000 $162,000 $1,332,000
American Indian or Alaskan Native 225 $28,565,000 $126,000 $465,000 $156,000 $2,678,000
Native Hawaiian or Other Pacific Islander 69 $9,825,000 $142,000 $525,000 $152,000 $455,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 45,390 $7,882,720,000 $173,000 $2,005,000 $166,000 $9,360,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 21,298 $3,409,620,000 $160,000 $1,915,000 $182,000 $2,717,000
Application Denied By Financial Institution 12,275 $1,607,955,000 $130,000 $1,535,000 $134,000 $7,950,000
Application Withdrawn By Applicant 3,167 $575,735,000 $181,000 $1,725,000 $207,000 $8,498,000
Preapproval Approved but not Accepted 3,128 $970,650,000 $310,000 $2,005,000 $135,000 $1,558,000
Preapproval Denied by Financial Institution 1,611 $450,305,000 $279,000 $1,685,000 $107,000 $3,704,000
File Closed For Incompleteness 1,586 $245,390,000 $154,000 $1,355,000 $228,000 $9,360,000
Loan Purchased By The Institution 1,283 $446,505,000 $348,000 $1,785,000 $162,000 $1,332,000
Application Approved But Not Accepted 1,042 $176,560,000 $169,000 $1,045,000 $163,000 $840,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 31,504 $5,824,460,000 $184,000 $2,005,000 $181,000 $9,360,000
Debt-To-Income Ratio 9,479 $1,447,465,000 $152,000 $1,685,000 $101,000 $707,000
Credit History 2,948 $355,910,000 $120,000 $1,205,000 $197,000 $4,940,000
Collateral 675 $99,395,000 $147,000 $1,005,000 $201,000 $2,538,000
Credit Application Incomplete 478 $94,540,000 $197,000 $1,065,000 $204,000 $7,950,000
Other 207 $35,415,000 $171,000 $705,000 $176,000 $1,997,000
Insufficient Cash (Downpayment, Closing Cost) 82 $21,510,000 $262,000 $675,000 $120,000 $450,000
Unverifiable Information 12 $2,450,000 $204,000 $565,000 $75,000 $249,000
Employment History 5 $1,575,000 $315,000 $525,000 $148,000 $340,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Third Federal Savings and Loan's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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