Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2021

In 2021, Third Federal Savings and Loan of Cleveland, OH reported 60,110 mortgage applications totaling $10.6 billion, up 5% from 2020. The average application was for $177,109, and applicants reported an average income of $143,770. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cleveland-Elyria, OH (11,078), Columbus, OH (3,905) and Cincinnati, OH-KY-IN (3,358) (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 60,110
Total Mortgage Loan Application Amount $10,646,030,000
Average Mortgage Loan Application Amount $177,109
Highest Mortgage Loan Application Amount $1,005,000
Average Applicant Income $143,770
Highest Applicant Income $9,600,000

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records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 6,441 $ 865,345,000 $ 134,349 $ 111,000
Franklin, Ohio 2,262 $ 397,880,000 $ 175,897 $ 137,000
Summit, Ohio 2,061 $ 291,225,000 $ 141,302 $ 119,000
Palm Beach, Florida 1,809 $ 304,575,000 $ 168,366 $ 142,000
Broward, Florida 1,519 $ 259,215,000 $ 170,648 $ 135,000
Hamilton, Ohio 1,451 $ 247,675,000 $ 170,692 $ 132,000
Lorain, Ohio 1,408 $ 214,510,000 $ 152,350 $ 120,000
Medina, Ohio 1,404 $ 220,830,000 $ 157,286 $ 121,000
Pinellas, Florida 1,355 $ 211,865,000 $ 156,357 $ 119,000
Lake, Ohio 1,310 $ 182,400,000 $ 139,236 $ 112,000
Los Angeles, California 1,022 $ 181,630,000 $ 177,720 $ 194,000
Hillsborough, Florida 1,016 $ 162,830,000 $ 160,265 $ 129,000
Lee, Florida 960 $ 161,480,000 $ 168,208 $ 120,000
Delaware, Ohio 897 $ 189,225,000 $ 210,953 $ 171,000
Orange, California 684 $ 116,810,000 $ 170,774 $ 206,000
Sarasota, Florida 633 $ 108,895,000 $ 172,030 $ 117,000
Butler, Ohio 602 $ 98,890,000 $ 164,269 $ 133,000
Pasco, Florida 597 $ 84,765,000 $ 141,984 $ 108,000
Collier, Florida 576 $ 127,800,000 $ 221,875 $ 157,000
San Diego, California 555 $ 102,175,000 $ 184,099 $ 185,000
Geauga, Ohio 515 $ 90,865,000 $ 176,436 $ 141,000
Portage, Ohio 505 $ 79,035,000 $ 156,504 $ 113,000
King, Washington 496 $ 119,750,000 $ 241,431 $ 215,000
Warren, Ohio 494 $ 93,870,000 $ 190,020 $ 147,000
Alameda, California 440 $ 94,620,000 $ 215,045 $ 233,000
Manatee, Florida 426 $ 75,420,000 $ 177,042 $ 122,000
Miami-Dade, Florida 392 $ 76,320,000 $ 194,693 $ 187,000
Cook, Illinois 391 $ 69,895,000 $ 178,759 $ 192,000
Wake, North Carolina 357 $ 65,865,000 $ 184,495 $ 172,000
Clermont, Ohio 351 $ 58,955,000 $ 167,962 $ 131,000
Fairfax, Virginia 332 $ 72,380,000 $ 218,012 $ 213,000
Contra Costa, California 330 $ 62,700,000 $ 190,000 $ 212,000
Santa Clara, California 326 $ 75,590,000 $ 231,871 $ 240,000
Bergen, New Jersey 308 $ 73,250,000 $ 237,824 $ 218,000
Mecklenburg, North Carolina 281 $ 51,905,000 $ 184,715 $ 181,000
Stark, Ohio 272 $ 38,840,000 $ 142,794 $ 131,000
Fulton, Georgia 258 $ 52,240,000 $ 202,480 $ 205,000
Riverside, California 252 $ 35,840,000 $ 142,222 $ 155,000
Loudoun, Virginia 248 $ 46,910,000 $ 189,153 $ 244,000
Orange, Florida 238 $ 43,400,000 $ 182,352 $ 171,000
Licking, Ohio 238 $ 45,020,000 $ 189,159 $ 130,000
Monmouth, New Jersey 233 $ 39,605,000 $ 169,978 $ 228,000
Fairfield, Ohio 224 $ 36,890,000 $ 164,687 $ 130,000
Middlesex, New Jersey 209 $ 35,965,000 $ 172,081 $ 187,000
Montgomery, Pennsylvania 209 $ 33,225,000 $ 158,971 $ 199,000
Montgomery, Maryland 208 $ 39,350,000 $ 189,182 $ 224,000
Bucks, Pennsylvania 205 $ 39,985,000 $ 195,048 $ 197,000
Charlotte, Florida 191 $ 28,625,000 $ 149,869 $ 104,000
Snohomish, Washington 189 $ 35,965,000 $ 190,291 $ 171,000
Sacramento, California 183 $ 26,625,000 $ 145,491 $ 162,000
Jefferson, Colorado 171 $ 28,515,000 $ 166,754 $ 182,000
Middlesex, Massachusetts 171 $ 36,705,000 $ 214,649 $ 214,000
Chester, Pennsylvania 171 $ 28,995,000 $ 169,561 $ 191,000
Denver, Colorado 170 $ 31,250,000 $ 183,823 $ 213,000
Douglas, Colorado 170 $ 31,090,000 $ 182,882 $ 216,000
Nassau, New York 170 $ 41,200,000 $ 242,352 $ 217,000
Union, Ohio 167 $ 41,995,000 $ 251,467 $ 167,000
Kenton, Kentucky 165 $ 25,265,000 $ 153,121 $ 124,000
Ventura, California 161 $ 31,435,000 $ 195,248 $ 196,000
Boone, Kentucky 156 $ 29,680,000 $ 190,256 $ 145,000
Morris, New Jersey 153 $ 27,195,000 $ 177,745 $ 242,000
DuPage, Illinois 151 $ 26,525,000 $ 175,662 $ 179,000
Arapahoe, Colorado 149 $ 29,205,000 $ 196,006 $ 228,000
Queens, New York 146 $ 53,550,000 $ 366,780 $ 157,000
San Bernardino, California 141 $ 22,965,000 $ 162,872 $ 160,000
Fairfield, Connecticut 141 $ 26,705,000 $ 189,397 $ 244,000
Hernando, Florida 141 $ 18,215,000 $ 129,184 $ 85,000
Martin, Florida 137 $ 26,055,000 $ 190,182 $ 144,000
Forsyth, Georgia 133 $ 22,125,000 $ 166,353 $ 175,000
Westchester, New York 132 $ 27,880,000 $ 211,212 $ 332,000
St. Johns, Florida 131 $ 21,665,000 $ 165,381 $ 165,000
Duval, Florida 130 $ 20,050,000 $ 154,230 $ 156,000
Cobb, Georgia 130 $ 20,020,000 $ 154,000 $ 163,000
Gwinnett, Georgia 130 $ 20,650,000 $ 158,846 $ 137,000
Essex, New Jersey 125 $ 20,575,000 $ 164,600 $ 268,000
Seminole, Florida 118 $ 19,150,000 $ 162,288 $ 149,000
DeKalb, Georgia 117 $ 19,915,000 $ 170,213 $ 201,000
Union, New Jersey 116 $ 18,650,000 $ 160,775 $ 210,000
Williamson, Tennessee 116 $ 25,920,000 $ 223,448 $ 215,000
Placer, California 112 $ 17,800,000 $ 158,928 $ 180,000
Somerset, New Jersey 112 $ 21,470,000 $ 191,696 $ 237,000
San Mateo, California 110 $ 24,750,000 $ 225,000 $ 241,000
Ocean, New Jersey 110 $ 15,910,000 $ 144,636 $ 192,000
Washington, Oregon 110 $ 20,680,000 $ 188,000 $ 166,000
Boulder, Colorado 107 $ 16,225,000 $ 151,635 $ 190,000
Mercer, New Jersey 107 $ 20,215,000 $ 188,925 $ 224,000
Montgomery, Ohio 103 $ 15,685,000 $ 152,281 $ 117,000
District of Columbia, District Of Columbia 102 $ 20,450,000 $ 200,490 $ 231,000
San Joaquin, California 101 $ 17,915,000 $ 177,376 $ 172,000
Suffolk, New York 100 $ 18,290,000 $ 182,900 $ 222,000
Campbell, Kentucky 97 $ 15,175,000 $ 156,443 $ 116,000
St. Lucie, Florida 96 $ 15,030,000 $ 156,562 $ 128,000
Volusia, Florida 96 $ 15,560,000 $ 162,083 $ 116,000
Brevard, Florida 89 $ 15,445,000 $ 173,539 $ 141,000
Will, Illinois 88 $ 15,330,000 $ 174,204 $ 168,000
Burlington, New Jersey 86 $ 11,330,000 $ 131,744 $ 172,000
Allegheny, Pennsylvania 86 $ 13,540,000 $ 157,441 $ 163,000
Delaware, Pennsylvania 83 $ 12,155,000 $ 146,445 $ 200,000
Pierce, Washington 81 $ 14,005,000 $ 172,901 $ 163,000
Union, North Carolina 80 $ 13,230,000 $ 165,375 $ 198,000
Davidson, Tennessee 79 $ 11,815,000 $ 149,556 $ 134,000
San Francisco, California 78 $ 24,910,000 $ 319,358 $ 250,000
Polk, Florida 77 $ 10,375,000 $ 134,740 $ 108,000
Camden, New Jersey 77 $ 11,285,000 $ 146,558 $ 150,000
Multnomah, Oregon 77 $ 13,305,000 $ 172,792 $ 144,000
Norfolk, Massachusetts 76 $ 15,670,000 $ 206,184 $ 200,000
El Paso, Colorado 75 $ 10,345,000 $ 137,933 $ 144,000
Santa Cruz, California 73 $ 15,115,000 $ 207,054 $ 213,000
Hartford, Connecticut 73 $ 10,515,000 $ 144,041 $ 193,000
Lake, Florida 73 $ 10,785,000 $ 147,739 $ 112,000
Cherokee, Georgia 72 $ 11,610,000 $ 161,250 $ 152,000
Anne Arundel, Maryland 72 $ 14,570,000 $ 202,361 $ 208,000
Marin, California 71 $ 13,675,000 $ 192,605 $ 254,000
Passaic, New Jersey 70 $ 11,580,000 $ 165,428 $ 185,000
Wayne, Ohio 70 $ 10,630,000 $ 151,857 $ 103,000
Larimer, Colorado 69 $ 11,355,000 $ 164,565 $ 176,000
Prince William, Virginia 68 $ 12,310,000 $ 181,029 $ 175,000
Howard, Maryland 67 $ 12,005,000 $ 179,179 $ 237,000
Arlington, Virginia 66 $ 14,750,000 $ 223,484 $ 218,000
El Dorado, California 64 $ 10,550,000 $ 164,843 $ 193,000
Erie, Ohio 64 $ 9,790,000 $ 152,968 $ 114,000
Clackamas, Oregon 64 $ 11,290,000 $ 176,406 $ 188,000
Sumter, Florida 63 $ 9,545,000 $ 151,507 $ 97,000
Baltimore, Maryland 62 $ 10,210,000 $ 164,677 $ 173,000
St. Louis, Missouri 62 $ 9,190,000 $ 148,225 $ 165,000
Santa Barbara, California 61 $ 9,915,000 $ 162,540 $ 182,000
Hamilton, Indiana 61 $ 9,105,000 $ 149,262 $ 197,000
Essex, Massachusetts 60 $ 13,290,000 $ 221,500 $ 246,000
Henrico, Virginia 60 $ 9,960,000 $ 166,000 $ 238,000
Prince George's, Maryland 59 $ 7,455,000 $ 126,355 $ 134,000
Richmond, New York 59 $ 14,875,000 $ 252,118 $ 135,000
Adams, Colorado 58 $ 8,040,000 $ 138,620 $ 141,000
Lake, Illinois 58 $ 9,770,000 $ 168,448 $ 195,000
New Haven, Connecticut 57 $ 9,035,000 $ 158,508 $ 156,000
Philadelphia, Pennsylvania 56 $ 6,800,000 $ 121,428 $ 174,000
Marion, Florida 55 $ 8,245,000 $ 149,909 $ 114,000
Ashtabula, Ohio 55 $ 7,665,000 $ 139,363 $ 94,000
Clark, Washington 54 $ 8,000,000 $ 148,148 $ 155,000
Sonoma, California 53 $ 7,045,000 $ 132,924 $ 164,000
Durham, North Carolina 53 $ 8,645,000 $ 163,113 $ 151,000
Northampton, Pennsylvania 53 $ 8,325,000 $ 157,075 $ 167,000
Shelby, Tennessee 53 $ 6,805,000 $ 128,396 $ 157,000
Indian River, Florida 50 $ 8,510,000 $ 170,200 $ 127,000
Madison, Ohio 50 $ 8,840,000 $ 176,800 $ 125,000
Hennepin, Minnesota 49 $ 5,885,000 $ 120,102 $ 220,000
Iredell, North Carolina 49 $ 9,235,000 $ 188,469 $ 166,000
San Luis Obispo, California 48 $ 7,310,000 $ 152,291 $ 168,000
Hunterdon, New Jersey 48 $ 8,490,000 $ 176,875 $ 241,000
Cabarrus, North Carolina 48 $ 7,590,000 $ 158,125 $ 135,000
Kane, Illinois 47 $ 5,215,000 $ 110,957 $ 153,000
Marion, Indiana 47 $ 5,835,000 $ 124,148 $ 117,000
Hillsborough, New Hampshire 47 $ 9,355,000 $ 199,042 $ 210,000
Hudson, New Jersey 47 $ 12,245,000 $ 260,531 $ 235,000
Erie, New York 47 $ 7,225,000 $ 153,723 $ 164,000
Kings, New York 47 $ 12,235,000 $ 260,319 $ 209,000
Whatcom, Washington 47 $ 8,105,000 $ 172,446 $ 133,000
Pickaway, Ohio 45 $ 6,855,000 $ 152,333 $ 123,000
Mahoning, Ohio 44 $ 5,940,000 $ 135,000 $ 131,000
Jefferson, Kentucky 43 $ 6,705,000 $ 155,930 $ 141,000
Spokane, Washington 43 $ 6,815,000 $ 158,488 $ 151,000
Rockingham, New Hampshire 42 $ 6,920,000 $ 164,761 $ 167,000
Lucas, Ohio 42 $ 6,530,000 $ 155,476 $ 134,000
Lehigh, Pennsylvania 42 $ 6,260,000 $ 149,047 $ 133,000
Jackson, Missouri 41 $ 6,195,000 $ 151,097 $ 146,000
Greene, Ohio 41 $ 7,015,000 $ 171,097 $ 117,000
Harford, Maryland 39 $ 6,645,000 $ 170,384 $ 181,000
Plymouth, Massachusetts 39 $ 8,465,000 $ 217,051 $ 194,000
Worcester, Massachusetts 39 $ 6,825,000 $ 175,000 $ 178,000
Rockland, New York 39 $ 6,025,000 $ 154,487 $ 211,000
Ottawa, Ohio 39 $ 7,465,000 $ 191,410 $ 137,000
Trumbull, Ohio 39 $ 4,845,000 $ 124,230 $ 82,000
Lancaster, Pennsylvania 39 $ 5,765,000 $ 147,820 $ 152,000
Guilford, North Carolina 38 $ 4,610,000 $ 121,315 $ 148,000
Fresno, California 37 $ 5,175,000 $ 139,864 $ 140,000
Weld, Colorado 37 $ 5,445,000 $ 147,162 $ 141,000
Oakland, Michigan 37 $ 4,845,000 $ 130,945 $ 198,000
Knox, Tennessee 37 $ 6,845,000 $ 185,000 $ 147,000
Alexandria, Virginia 37 $ 7,325,000 $ 197,972 $ 196,000
Knox, Ohio 36 $ 6,160,000 $ 171,111 $ 109,000
Berks, Pennsylvania 36 $ 5,180,000 $ 143,888 $ 200,000
York, Pennsylvania 36 $ 5,070,000 $ 140,833 $ 125,000
St. Charles, Missouri 35 $ 5,425,000 $ 155,000 $ 176,000
Hamilton, Tennessee 35 $ 7,595,000 $ 217,000 $ 173,000
Solano, California 34 $ 4,530,000 $ 133,235 $ 156,000
Frederick, Maryland 34 $ 5,120,000 $ 150,588 $ 203,000
Kitsap, Washington 34 $ 6,140,000 $ 180,588 $ 150,000
Alachua, Florida 33 $ 3,885,000 $ 117,727 $ 143,000
Atlantic, New Jersey 33 $ 3,855,000 $ 116,818 $ 134,000
Sussex, New Jersey 33 $ 4,575,000 $ 138,636 $ 172,000
Buncombe, North Carolina 33 $ 6,375,000 $ 193,181 $ 153,000
Chatham, North Carolina 33 $ 7,955,000 $ 241,060 $ 173,000
Kern, California 32 $ 5,060,000 $ 158,125 $ 151,000
Monterey, California 32 $ 5,200,000 $ 162,500 $ 172,000
Hall, Georgia 32 $ 3,790,000 $ 118,437 $ 282,000
Barnstable, Massachusetts 31 $ 6,005,000 $ 193,709 $ 150,000
Suffolk, Massachusetts 31 $ 10,265,000 $ 331,129 $ 270,000
Brunswick, North Carolina 31 $ 4,765,000 $ 153,709 $ 112,000
Rutherford, Tennessee 31 $ 4,995,000 $ 161,129 $ 195,000
Chesterfield, Virginia 31 $ 4,685,000 $ 151,129 $ 186,000
Flagler, Florida 30 $ 4,060,000 $ 135,333 $ 86,000
Osceola, Florida 30 $ 4,470,000 $ 149,000 $ 108,000
McHenry, Illinois 30 $ 4,220,000 $ 140,666 $ 179,000
Gloucester, New Jersey 30 $ 4,400,000 $ 146,666 $ 176,000
Dauphin, Pennsylvania 30 $ 4,520,000 $ 150,666 $ 150,000
Broomfield, Colorado 28 $ 4,400,000 $ 157,142 $ 176,000
Nassau, Florida 28 $ 5,420,000 $ 193,571 $ 128,000
Fayette, Georgia 28 $ 3,890,000 $ 138,928 $ 138,000
Forsyth, North Carolina 28 $ 2,960,000 $ 105,714 $ 104,000
New Hanover, North Carolina 28 $ 4,810,000 $ 171,785 $ 146,000
Virginia Beach, Virginia 28 $ 4,480,000 $ 160,000 $ 189,000
Clay, Florida 27 $ 3,875,000 $ 143,518 $ 143,000
Leon, Florida 27 $ 5,065,000 $ 187,592 $ 121,000
Huron, Ohio 27 $ 2,685,000 $ 99,444 $ 92,000
Lane, Oregon 27 $ 4,665,000 $ 172,777 $ 167,000
Dearborn, Indiana 26 $ 3,490,000 $ 134,230 $ 92,000
Orange, North Carolina 26 $ 5,080,000 $ 195,384 $ 232,000
Henderson, North Carolina 25 $ 3,385,000 $ 135,400 $ 126,000
Deschutes, Oregon 25 $ 4,955,000 $ 198,200 $ 169,000
Marion, Oregon 25 $ 3,715,000 $ 148,600 $ 160,000
Sumner, Tennessee 25 $ 3,865,000 $ 154,600 $ 145,000
Coweta, Georgia 24 $ 3,010,000 $ 125,416 $ 132,000
Carroll, Maryland 24 $ 2,730,000 $ 113,750 $ 158,000
Miami, Ohio 24 $ 3,780,000 $ 157,500 $ 129,000
Butler, Pennsylvania 24 $ 3,530,000 $ 147,083 $ 132,000
Monroe, New York 23 $ 2,665,000 $ 115,869 $ 111,000
Stanislaus, California 22 $ 2,920,000 $ 132,727 $ 184,000
Orange, New York 22 $ 3,270,000 $ 148,636 $ 159,000
Richmond City, Virginia 22 $ 3,660,000 $ 166,363 $ 157,000
Middlesex, Connecticut 21 $ 2,675,000 $ 127,380 $ 122,000
Escambia, Florida 21 $ 2,725,000 $ 129,761 $ 136,000
Richland, Ohio 21 $ 2,815,000 $ 134,047 $ 101,000
Paulding, Georgia 20 $ 2,360,000 $ 118,000 $ 127,000
Porter, Indiana 20 $ 2,820,000 $ 141,000 $ 135,000
Bristol, Massachusetts 20 $ 3,550,000 $ 177,500 $ 149,000
Wood, Ohio 20 $ 2,980,000 $ 149,000 $ 101,000
Yolo, California 19 $ 3,295,000 $ 173,421 $ 206,000
Bay, Florida 19 $ 4,395,000 $ 231,315 $ 131,000
Chatham, Georgia 19 $ 2,475,000 $ 130,263 $ 116,000
New York, New York 19 $ 4,315,000 $ 227,105 $ 262,000
Gaston, North Carolina 19 $ 3,155,000 $ 166,052 $ 205,000
Clark, Ohio 19 $ 3,285,000 $ 172,894 $ 115,000
Thurston, Washington 19 $ 3,425,000 $ 180,263 $ 150,000
Citrus, Florida 18 $ 2,830,000 $ 157,222 $ 95,000
Santa Rosa, Florida 18 $ 3,200,000 $ 177,777 $ 125,000
Lake, Indiana 18 $ 2,220,000 $ 123,333 $ 147,000
Baltimore City, Maryland 18 $ 2,590,000 $ 143,888 $ 151,000
Dakota, Minnesota 18 $ 1,630,000 $ 90,555 $ 184,000
Ashland, Ohio 18 $ 2,240,000 $ 124,444 $ 95,000
Wilson, Tennessee 18 $ 2,430,000 $ 135,000 $ 146,000
Hanover, Virginia 18 $ 2,500,000 $ 138,888 $ 142,000
Butte, California 17 $ 2,485,000 $ 146,176 $ 167,000
Allen, Indiana 17 $ 2,775,000 $ 163,235 $ 109,000
Washington, Maryland 17 $ 1,755,000 $ 103,235 $ 104,000
Macomb, Michigan 17 $ 1,925,000 $ 113,235 $ 144,000
Benton, Washington 17 $ 3,025,000 $ 177,941 $ 123,000
Nevada, California 16 $ 2,020,000 $ 126,250 $ 143,000
Wayne, Michigan 16 $ 2,140,000 $ 133,750 $ 201,000
St. Louis City, Missouri 16 $ 3,190,000 $ 199,375 $ 183,000
Dutchess, New York 16 $ 2,340,000 $ 146,250 $ 195,000
Marion, Ohio 16 $ 2,080,000 $ 130,000 $ 121,000
Skagit, Washington 16 $ 3,040,000 $ 190,000 $ 139,000
Litchfield, Connecticut 15 $ 2,685,000 $ 179,000 $ 186,000
Monroe, Florida 15 $ 4,265,000 $ 284,333 $ 244,000
Washtenaw, Michigan 15 $ 1,995,000 $ 133,000 $ 212,000
Centre, Pennsylvania 15 $ 2,565,000 $ 171,000 $ 136,000
Monroe, Pennsylvania 15 $ 2,285,000 $ 152,333 $ 121,000
Napa, California 14 $ 1,950,000 $ 139,285 $ 148,000
New London, Connecticut 14 $ 1,980,000 $ 141,428 $ 145,000
Henry, Georgia 14 $ 1,280,000 $ 91,428 $ 97,000
Monroe, Indiana 14 $ 3,020,000 $ 215,714 $ 212,000
Merrimack, New Hampshire 14 $ 1,920,000 $ 137,142 $ 147,000
Columbiana, Ohio 14 $ 2,150,000 $ 153,571 $ 129,000
Hancock, Ohio 14 $ 2,090,000 $ 149,285 $ 173,000
Cumberland, Pennsylvania 14 $ 2,040,000 $ 145,714 $ 155,000
Westmoreland, Pennsylvania 14 $ 1,810,000 $ 129,285 $ 124,000
Albemarle, Virginia 14 $ 2,430,000 $ 173,571 $ 130,000
Tulare, California 13 $ 2,035,000 $ 156,538 $ 95,000
Ramsey, Minnesota 13 $ 1,635,000 $ 125,769 $ 183,000
Cape May, New Jersey 13 $ 1,575,000 $ 121,153 $ 137,000
Cumberland, New Jersey 13 $ 1,305,000 $ 100,384 $ 70,000
Catawba, North Carolina 13 $ 1,715,000 $ 131,923 $ 141,000
Tuscarawas, Ohio 13 $ 1,755,000 $ 135,000 $ 93,000
Jackson, Oregon 13 $ 2,135,000 $ 164,230 $ 125,000
Luzerne, Pennsylvania 13 $ 2,155,000 $ 165,769 $ 170,000
Washington, Pennsylvania 13 $ 1,965,000 $ 151,153 $ 152,000
Mesa, Colorado 12 $ 1,790,000 $ 149,166 $ 118,000
Tolland, Connecticut 12 $ 1,730,000 $ 144,166 $ 135,000
Highlands, Florida 12 $ 1,670,000 $ 139,166 $ 114,000
Walton, Florida 12 $ 2,280,000 $ 190,000 $ 109,000
Fayette, Kentucky 12 $ 2,170,000 $ 180,833 $ 139,000
Bronx, New York 12 $ 3,110,000 $ 259,166 $ 149,000
Pitt, North Carolina 12 $ 1,480,000 $ 123,333 $ 148,000
Sevier, Tennessee 12 $ 1,470,000 $ 122,500 $ 78,000
Chelan, Washington 12 $ 2,340,000 $ 195,000 $ 213,000
Okaloosa, Florida 11 $ 2,065,000 $ 187,727 $ 135,000
Johnson, Indiana 11 $ 1,655,000 $ 150,454 $ 164,000
Calvert, Maryland 11 $ 1,685,000 $ 153,181 $ 209,000
Putnam, New York 11 $ 1,225,000 $ 111,363 $ 196,000
Alamance, North Carolina 11 $ 1,285,000 $ 116,818 $ 116,000
Moore, North Carolina 11 $ 2,345,000 $ 213,181 $ 318,000
Erie, Pennsylvania 11 $ 1,295,000 $ 117,727 $ 137,000
Lebanon, Pennsylvania 11 $ 1,685,000 $ 153,181 $ 199,000
Fauquier, Virginia 11 $ 2,195,000 $ 199,545 $ 156,000
Stafford, Virginia 11 $ 1,325,000 $ 120,454 $ 170,000
Barrow, Georgia 10 $ 1,470,000 $ 147,000 $ 120,000
Clarke, Georgia 10 $ 1,740,000 $ 174,000 $ 165,000
McLean, Illinois 10 $ 1,130,000 $ 113,000 $ 136,000
Hendricks, Indiana 10 $ 1,390,000 $ 139,000 $ 140,000
Oldham, Kentucky 10 $ 1,480,000 $ 148,000 $ 175,000
Charles, Maryland 10 $ 1,690,000 $ 169,000 $ 126,000
Carver, Minnesota 10 $ 1,300,000 $ 130,000 $ 183,000
Morrow, Ohio 10 $ 2,020,000 $ 202,000 $ 102,000
Linn, Oregon 10 $ 2,210,000 $ 221,000 $ 106,000
Norfolk, Virginia 10 $ 1,950,000 $ 195,000 $ 180,000
Milwaukee, Wisconsin 10 $ 1,010,000 $ 101,000 $ 137,000
Waukesha, Wisconsin 10 $ 1,370,000 $ 137,000 $ 238,000
La Plata, Colorado 9 $ 2,755,000 $ 306,111 $ 132,000
Pueblo, Colorado 9 $ 825,000 $ 91,666 $ 73,000
Bibb, Georgia 9 $ 1,475,000 $ 163,888 $ 177,000
Hardin, Kentucky 9 $ 1,935,000 $ 215,000 $ 176,000
Kent, Michigan 9 $ 985,000 $ 109,444 $ 162,000
Jefferson, Missouri 9 $ 1,215,000 $ 135,000 $ 144,000
Albany, New York 9 $ 1,525,000 $ 169,444 $ 153,000
Davidson, North Carolina 9 $ 1,155,000 $ 128,333 $ 159,000
Johnston, North Carolina 9 $ 1,255,000 $ 139,444 $ 125,000
Carroll, Ohio 9 $ 1,725,000 $ 191,666 $ 135,000
Logan, Ohio 9 $ 1,255,000 $ 139,444 $ 115,000
Ross, Ohio 9 $ 1,025,000 $ 113,888 $ 133,000
Washington, Ohio 9 $ 1,015,000 $ 112,777 $ 92,000
Bradley, Tennessee 9 $ 1,445,000 $ 160,555 $ 150,000
Maury, Tennessee 9 $ 1,625,000 $ 180,555 $ 160,000
Spotsylvania, Virginia 9 $ 1,155,000 $ 128,333 $ 155,000
Elbert, Colorado 8 $ 2,140,000 $ 267,500 $ 228,000
Boone, Indiana 8 $ 1,160,000 $ 145,000 $ 179,000
LaPorte, Indiana 8 $ 1,120,000 $ 140,000 $ 155,000
Hampden, Massachusetts 8 $ 1,350,000 $ 168,750 $ 162,000
Greene, Missouri 8 $ 1,220,000 $ 152,500 $ 145,000
Grafton, New Hampshire 8 $ 1,560,000 $ 195,000 $ 129,000
Strafford, New Hampshire 8 $ 1,310,000 $ 163,750 $ 166,000
Salem, New Jersey 8 $ 820,000 $ 102,500 $ 139,000
Saratoga, New York 8 $ 950,000 $ 118,750 $ 161,000
Harnett, North Carolina 8 $ 1,220,000 $ 152,500 $ 130,000
Lincoln, North Carolina 8 $ 1,140,000 $ 142,500 $ 138,000
Rowan, North Carolina 8 $ 1,270,000 $ 158,750 $ 186,000
Coshocton, Ohio 8 $ 740,000 $ 92,500 $ 83,000
Muskingum, Ohio 8 $ 1,210,000 $ 151,250 $ 111,000
Benton, Oregon 8 $ 1,430,000 $ 178,750 $ 224,000
Beaver, Pennsylvania 8 $ 970,000 $ 121,250 $ 57,000
Montgomery, Virginia 8 $ 960,000 $ 120,000 $ 121,000
Merced, California 7 $ 1,655,000 $ 236,428 $ 91,000
Yuba, California 7 $ 985,000 $ 140,714 $ 123,000
Summit, Colorado 7 $ 1,695,000 $ 242,142 $ 251,000
Fannin, Georgia 7 $ 585,000 $ 83,571 $ 104,000
Richmond, Georgia 7 $ 605,000 $ 86,428 $ 88,000
Union, Georgia 7 $ 865,000 $ 123,571 $ 82,000
Walton, Georgia 7 $ 855,000 $ 122,142 $ 128,000
Queen Anne's, Maryland 7 $ 1,055,000 $ 150,714 $ 121,000
Scott, Minnesota 7 $ 755,000 $ 107,857 $ 179,000
Clay, Missouri 7 $ 1,165,000 $ 166,428 $ 195,000
Blount, Tennessee 7 $ 965,000 $ 137,857 $ 114,000
Cumberland, Tennessee 7 $ 1,135,000 $ 162,142 $ 173,000
Frederick, Virginia 7 $ 845,000 $ 120,714 $ 107,000
Roanoke, Virginia 7 $ 1,015,000 $ 145,000 $ 105,000
Franklin, Washington 7 $ 975,000 $ 139,285 $ 157,000
Island, Washington 7 $ 1,155,000 $ 165,000 $ 115,000
Okanogan, Washington 7 $ 665,000 $ 95,000 $ 138,000
Calaveras, California 6 $ 1,020,000 $ 170,000 $ 145,000
Shasta, California 6 $ 630,000 $ 105,000 $ 99,000
Sutter, California 6 $ 710,000 $ 118,333 $ 199,000
Eagle, Colorado 6 $ 610,000 $ 101,666 $ 135,000
Garfield, Colorado 6 $ 1,030,000 $ 171,666 $ 175,000
Windham, Connecticut 6 $ 1,060,000 $ 176,666 $ 137,000
Levy, Florida 6 $ 1,000,000 $ 166,666 $ 158,000
Columbia, Georgia 6 $ 590,000 $ 98,333 $ 120,000
Dawson, Georgia 6 $ 1,000,000 $ 166,666 $ 125,000
Douglas, Georgia 6 $ 640,000 $ 106,666 $ 152,000
Glynn, Georgia 6 $ 750,000 $ 125,000 $ 140,000
Greene, Georgia 6 $ 890,000 $ 148,333 $ 104,000
Houston, Georgia 6 $ 350,000 $ 58,333 $ 118,000
Muscogee, Georgia 6 $ 840,000 $ 140,000 $ 119,000
Oconee, Georgia 6 $ 910,000 $ 151,666 $ 142,000
Rockdale, Georgia 6 $ 610,000 $ 101,666 $ 110,000
Boone, Illinois 6 $ 760,000 $ 126,666 $ 134,000
St. Clair, Illinois 6 $ 760,000 $ 126,666 $ 148,000
Floyd, Indiana 6 $ 1,110,000 $ 185,000 $ 193,000
Morgan, Indiana 6 $ 920,000 $ 153,333 $ 112,000
Scott, Kentucky 6 $ 960,000 $ 160,000 $ 73,000
Cecil, Maryland 6 $ 840,000 $ 140,000 $ 147,000
St. Mary's, Maryland 6 $ 940,000 $ 156,666 $ 132,000
Wicomico, Maryland 6 $ 1,290,000 $ 215,000 $ 169,000
Washington, Minnesota 6 $ 510,000 $ 85,000 $ 146,000
Franklin, Missouri 6 $ 920,000 $ 153,333 $ 101,000
Belknap, New Hampshire 6 $ 780,000 $ 130,000 $ 83,000
Warren, New Jersey 6 $ 460,000 $ 76,666 $ 125,000
Burke, North Carolina 6 $ 980,000 $ 163,333 $ 99,000
Davie, North Carolina 6 $ 580,000 $ 96,666 $ 175,000
Granville, North Carolina 6 $ 1,110,000 $ 185,000 $ 269,000
Nash, North Carolina 6 $ 970,000 $ 161,666 $ 158,000
Watauga, North Carolina 6 $ 610,000 $ 101,666 $ 255,000
Athens, Ohio 6 $ 1,130,000 $ 188,333 $ 148,000
Highland, Ohio 6 $ 770,000 $ 128,333 $ 83,000
Hocking, Ohio 6 $ 930,000 $ 155,000 $ 159,000
Perry, Ohio 6 $ 830,000 $ 138,333 $ 108,000
Polk, Oregon 6 $ 600,000 $ 100,000 $ 137,000
Yamhill, Oregon 6 $ 870,000 $ 145,000 $ 122,000
Pike, Pennsylvania 6 $ 790,000 $ 131,666 $ 137,000
Monroe, Tennessee 6 $ 1,180,000 $ 196,666 $ 206,000
Sullivan, Tennessee 6 $ 910,000 $ 151,666 $ 135,000
Falls Church, Virginia 6 $ 2,410,000 $ 401,666 $ 194,000
Lynchburg, Virginia 6 $ 1,050,000 $ 175,000 $ 107,000
Poquoson, Virginia 6 $ 870,000 $ 145,000 $ 183,000
Powhatan, Virginia 6 $ 820,000 $ 136,666 $ 133,000
Clallam, Washington 6 $ 910,000 $ 151,666 $ 100,000
Cowlitz, Washington 6 $ 550,000 $ 91,666 $ 136,000
Walla Walla, Washington 6 $ 1,390,000 $ 231,666 $ 93,000
Chaffee, Colorado 5 $ 855,000 $ 171,000 $ 110,000
Floyd, Georgia 5 $ 1,175,000 $ 235,000 $ 225,000
Jackson, Georgia 5 $ 685,000 $ 137,000 $ 131,000
Lumpkin, Georgia 5 $ 1,015,000 $ 203,000 $ 103,000
Putnam, Georgia 5 $ 1,485,000 $ 297,000 $ 312,000
Kendall, Illinois 5 $ 845,000 $ 169,000 $ 166,000
Bartholomew, Indiana 5 $ 1,525,000 $ 305,000 $ 184,000
Clark, Indiana 5 $ 735,000 $ 147,000 $ 182,000
Delaware, Indiana 5 $ 825,000 $ 165,000 $ 203,000
Madison, Kentucky 5 $ 625,000 $ 125,000 $ 83,000
Wright, Minnesota 5 $ 495,000 $ 99,000 $ 131,000
Christian, Missouri 5 $ 625,000 $ 125,000 $ 126,000
Platte, Missouri 5 $ 705,000 $ 141,000 $ 183,000
Niagara, New York 5 $ 585,000 $ 117,000 $ 96,000
Onondaga, New York 5 $ 495,000 $ 99,000 $ 91,000
Craven, North Carolina 5 $ 855,000 $ 171,000 $ 93,000
Cumberland, North Carolina 5 $ 665,000 $ 133,000 $ 117,000
Currituck, North Carolina 5 $ 465,000 $ 93,000 $ 92,000
Dare, North Carolina 5 $ 865,000 $ 173,000 $ 80,000
Haywood, North Carolina 5 $ 755,000 $ 151,000 $ 71,000
Jackson, North Carolina 5 $ 735,000 $ 147,000 $ 171,000
Macon, North Carolina 5 $ 1,005,000 $ 201,000 $ 80,000
Polk, North Carolina 5 $ 535,000 $ 107,000 $ 118,000
Rutherford, North Carolina 5 $ 585,000 $ 117,000 $ 163,000
Wilkes, North Carolina 5 $ 635,000 $ 127,000 $ 55,000
Wilson, North Carolina 5 $ 545,000 $ 109,000 $ 137,000
Brown, Ohio 5 $ 675,000 $ 135,000 $ 102,000
Champaign, Ohio 5 $ 555,000 $ 111,000 $ 79,000
Umatilla, Oregon 5 $ 665,000 $ 133,000 $ 142,000
Lycoming, Pennsylvania 5 $ 735,000 $ 147,000 $ 128,000
Cheatham, Tennessee 5 $ 1,325,000 $ 265,000 $ 233,000
Chesapeake, Virginia 5 $ 545,000 $ 109,000 $ 147,000
Culpeper, Virginia 5 $ 925,000 $ 185,000 $ 181,000
Fairfax City, Virginia 5 $ 1,065,000 $ 213,000 $ 191,000
Franklin, Virginia 5 $ 1,075,000 $ 215,000 $ 147,000
Goochland, Virginia 5 $ 925,000 $ 185,000 $ 158,000
James City, Virginia 5 $ 845,000 $ 169,000 $ 147,000
Roanoke City, Virginia 5 $ 855,000 $ 171,000 $ 115,000
Klickitat, Washington 5 $ 1,215,000 $ 243,000 $ 163,000
Madera, California 4 $ 510,000 $ 127,500 $ 168,000
Tehama, California 4 $ 420,000 $ 105,000 $ 172,000
Grand, Colorado 4 $ 620,000 $ 155,000 $ 132,000
Park, Colorado 4 $ 540,000 $ 135,000 $ 113,000
Routt, Colorado 4 $ 490,000 $ 122,500 $ 199,000
Hendry, Florida 4 $ 430,000 $ 107,500 $ 106,000
Bartow, Georgia 4 $ 520,000 $ 130,000 $ 102,000
Camden, Georgia 4 $ 250,000 $ 62,500 $ 149,000
Effingham, Georgia 4 $ 470,000 $ 117,500 $ 184,000
Harris, Georgia 4 $ 400,000 $ 100,000 $ 58,000
Pickens, Georgia 4 $ 360,000 $ 90,000 $ 79,000
Peoria, Illinois 4 $ 690,000 $ 172,500 $ 182,000
Winnebago, Illinois 4 $ 490,000 $ 122,500 $ 112,000
St. Joseph, Indiana 4 $ 670,000 $ 167,500 $ 106,000
Tippecanoe, Indiana 4 $ 670,000 $ 167,500 $ 135,000
Vanderburgh, Indiana 4 $ 800,000 $ 200,000 $ 294,000
Grant, Kentucky 4 $ 430,000 $ 107,500 $ 126,000
Jessamine, Kentucky 4 $ 900,000 $ 225,000 $ 117,000
Berkshire, Massachusetts 4 $ 410,000 $ 102,500 $ 59,000
Hampshire, Massachusetts 4 $ 540,000 $ 135,000 $ 169,000
Livingston, Michigan 4 $ 310,000 $ 77,500 $ 51,000
Anoka, Minnesota 4 $ 370,000 $ 92,500 $ 60,000
Cayuga, New York 4 $ 580,000 $ 145,000 $ 137,000
Oneida, New York 4 $ 380,000 $ 95,000 $ 163,000
Ulster, New York 4 $ 540,000 $ 135,000 $ 153,000
Warren, New York 4 $ 530,000 $ 132,500 $ 105,000
Caldwell, North Carolina 4 $ 620,000 $ 155,000 $ 90,000
Cleveland, North Carolina 4 $ 310,000 $ 77,500 $ 135,000
Onslow, North Carolina 4 $ 910,000 $ 227,500 $ 175,000
Rockingham, North Carolina 4 $ 470,000 $ 117,500 $ 99,000
Fayette, Ohio 4 $ 770,000 $ 192,500 $ 98,000
Preble, Ohio 4 $ 510,000 $ 127,500 $ 100,000
Shelby, Ohio 4 $ 540,000 $ 135,000 $ 136,000
Hood River, Oregon 4 $ 680,000 $ 170,000 $ 175,000
Josephine, Oregon 4 $ 500,000 $ 125,000 $ 129,000
Columbia, Pennsylvania 4 $ 500,000 $ 125,000 $ 96,000
Franklin, Pennsylvania 4 $ 710,000 $ 177,500 $ 142,000
Lawrence, Pennsylvania 4 $ 480,000 $ 120,000 $ 112,000
Sullivan, Pennsylvania 4 $ 290,000 $ 72,500 $ 69,000
Wayne, Pennsylvania 4 $ 460,000 $ 115,000 $ 185,000
Anderson, Tennessee 4 $ 470,000 $ 117,500 $ 122,000
Jefferson, Tennessee 4 $ 730,000 $ 182,500 $ 126,000
Loudon, Tennessee 4 $ 550,000 $ 137,500 $ 157,000
Clarke, Virginia 4 $ 680,000 $ 170,000 $ 156,000
Orange, Virginia 4 $ 330,000 $ 82,500 $ 79,000
Douglas, Washington 4 $ 530,000 $ 132,500 $ 102,000
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Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2021

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
Other Purpose 21,309 $3,034,945,000 $142,000 $1,005,000 $149,000 $9,600,000
Home Purchase 13,540 $3,387,990,000 $250,000 $1,005,000 $117,000 $7,850,000
Home Improvement 11,150 $1,209,710,000 $108,000 $1,005,000 $170,000 $8,400,000
Refinancing 7,349 $1,331,475,000 $181,000 $1,005,000 $137,000 $2,989,000
Cash-out Refinancing 6,762 $1,681,910,000 $248,000 $1,005,000 $145,000 $1,694,000
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 40,932 $7,096,620,000 $173,000 $1,005,000 $140,000 $9,600,000
Not Provided 9,067 $1,703,185,000 $187,000 $1,005,000 $161,000 $3,626,000
Asian 3,331 $710,535,000 $213,000 $1,005,000 $165,000 $3,832,000
Hispanic 2,565 $426,625,000 $166,000 $1,005,000 $134,000 $8,400,000
Black or African American 2,225 $325,355,000 $146,000 $1,005,000 $99,000 $3,198,000
Not applicable 189 $20,995,000 $111,000 $455,000 $64,000 $254,000
American Indian or Alaskan Native 169 $23,335,000 $138,000 $895,000 $119,000 $540,000
Native Hawaiian or Other Pacific Islander 28 $4,380,000 $156,000 $535,000 $139,000 $557,000

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) 60,110 $10,646,030,000 $177,000 $1,005,000 $144,000 $9,600,000
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 32,171 $5,318,845,000 $165,000 $1,005,000 $157,000 $2,989,000
Application Denied By Financial Institution 10,546 $1,615,240,000 $153,000 $1,005,000 $120,000 $8,400,000
Application Withdrawn By Applicant 5,600 $1,055,430,000 $188,000 $1,005,000 $155,000 $9,600,000
Preapproval Approved but not Accepted 4,406 $1,198,310,000 $271,000 $1,005,000 $117,000 $1,876,000
Preapproval Denied by Financial Institution 2,823 $642,815,000 $227,000 $1,005,000 $83,000 $3,333,000
File Closed For Incompleteness 2,446 $451,330,000 $184,000 $1,005,000 $164,000 $3,151,000
Application Approved But Not Accepted 1,929 $343,065,000 $177,000 $1,005,000 $150,000 $1,284,000
Loan Purchased By The Institution 189 $20,995,000 $111,000 $455,000 $64,000 $254,000

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 46,741 $8,387,975,000 $179,000 $1,005,000 $153,000 $9,600,000
Debt-To-Income Ratio 7,961 $1,394,885,000 $175,000 $1,005,000 $78,000 $694,000
Credit History 3,651 $551,075,000 $150,000 $1,005,000 $159,000 $8,400,000
Collateral 882 $123,690,000 $140,000 $995,000 $184,000 $1,580,000
Credit Application Incomplete 408 $83,170,000 $203,000 $1,005,000 $179,000 $2,512,000
Other 338 $79,390,000 $234,000 $1,005,000 $144,000 $900,000
Insufficient Cash (Downpayment, Closing Cost) 83 $15,735,000 $189,000 $635,000 $95,000 $432,000
Mortgage Insurance Denied 24 $5,590,000 $232,000 $525,000 $93,000 $258,000
Unverifiable Information 15 $3,385,000 $225,000 $635,000 $104,000 $200,000
Employment History 7 $1,135,000 $162,000 $505,000 $75,000 $160,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2021 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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