Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2022

In 2022, Third Federal Savings and Loan of Cleveland, OH reported 57,144 mortgage applications totaling $10.4 billion, down 5% from 2021. The average application was for $181,699, and applicants reported an average income of $144,987. 53% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Cleveland-Elyria, OH (9,371), Columbus, OH (3,691) and Tampa-St. Petersburg-Clearwater, FL (3,235) (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 57,144
Total Mortgage Loan Application Amount $10,383,030,000
Average Mortgage Loan Application Amount $181,699
Highest Mortgage Loan Application Amount $1,175,000
Average Applicant Income $144,987
Highest Applicant Income $9,932,000

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records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 5,525 $ 731,315,000 $ 132,364 $ 115,000
Palm Beach, Florida 1,962 $ 302,050,000 $ 153,950 $ 141,000
Franklin, Ohio 1,911 $ 354,815,000 $ 185,669 $ 140,000
Summit, Ohio 1,719 $ 236,995,000 $ 137,867 $ 116,000
Broward, Florida 1,704 $ 235,440,000 $ 138,169 $ 133,000
Hamilton, Ohio 1,339 $ 224,405,000 $ 167,591 $ 144,000
Pinellas, Florida 1,286 $ 184,550,000 $ 143,506 $ 129,000
Lorain, Ohio 1,214 $ 195,640,000 $ 161,153 $ 121,000
Lake, Ohio 1,171 $ 163,555,000 $ 139,671 $ 110,000
Hillsborough, Florida 1,142 $ 169,020,000 $ 148,003 $ 134,000
Medina, Ohio 1,067 $ 166,915,000 $ 156,433 $ 125,000
Lee, Florida 1,040 $ 163,930,000 $ 157,625 $ 112,000
Delaware, Ohio 1,011 $ 264,855,000 $ 261,973 $ 175,000
Los Angeles, California 948 $ 161,720,000 $ 170,590 $ 204,000
Pasco, Florida 657 $ 90,455,000 $ 137,678 $ 103,000
Sarasota, Florida 643 $ 104,795,000 $ 162,978 $ 119,000
Orange, California 631 $ 107,035,000 $ 169,627 $ 218,000
Butler, Ohio 606 $ 108,510,000 $ 179,059 $ 133,000
Collier, Florida 585 $ 107,415,000 $ 183,615 $ 149,000
San Diego, California 514 $ 84,760,000 $ 164,902 $ 205,000
Wake, North Carolina 504 $ 161,170,000 $ 319,781 $ 178,000
Miami-Dade, Florida 476 $ 80,260,000 $ 168,613 $ 189,000
Manatee, Florida 471 $ 80,825,000 $ 171,602 $ 129,000
Warren, Ohio 468 $ 100,800,000 $ 215,384 $ 174,000
Portage, Ohio 442 $ 76,420,000 $ 172,895 $ 137,000
King, Washington 418 $ 87,410,000 $ 209,114 $ 229,000
Geauga, Ohio 394 $ 71,310,000 $ 180,989 $ 143,000
Alameda, California 365 $ 69,105,000 $ 189,328 $ 229,000
Clermont, Ohio 356 $ 61,090,000 $ 171,601 $ 143,000
Orange, Florida 333 $ 60,135,000 $ 180,585 $ 160,000
Stark, Ohio 319 $ 44,945,000 $ 140,893 $ 113,000
Cook, Illinois 303 $ 63,725,000 $ 210,313 $ 180,000
Riverside, California 297 $ 39,395,000 $ 132,643 $ 161,000
Mecklenburg, North Carolina 287 $ 58,875,000 $ 205,139 $ 183,000
Santa Clara, California 269 $ 50,205,000 $ 186,635 $ 243,000
Fulton, Georgia 260 $ 50,750,000 $ 195,192 $ 205,000
Contra Costa, California 252 $ 47,860,000 $ 189,920 $ 218,000
Fairfield, Ohio 222 $ 40,550,000 $ 182,657 $ 135,000
Fairfax, Virginia 213 $ 47,395,000 $ 222,511 $ 237,000
Licking, Ohio 209 $ 33,425,000 $ 159,928 $ 135,000
Loudoun, Virginia 198 $ 45,090,000 $ 227,727 $ 226,000
Sacramento, California 195 $ 29,405,000 $ 150,794 $ 185,000
St. Lucie, Florida 192 $ 24,440,000 $ 127,291 $ 107,000
Union, Ohio 190 $ 63,010,000 $ 331,631 $ 182,000
Charlotte, Florida 186 $ 28,320,000 $ 152,258 $ 121,000
Forsyth, Georgia 185 $ 40,645,000 $ 219,702 $ 174,000
San Bernardino, California 180 $ 23,680,000 $ 131,555 $ 144,000
Bergen, New Jersey 180 $ 35,950,000 $ 199,722 $ 212,000
Middlesex, New Jersey 180 $ 36,320,000 $ 201,777 $ 186,000
St. Johns, Florida 179 $ 44,435,000 $ 248,240 $ 196,000
Cobb, Georgia 177 $ 26,825,000 $ 151,553 $ 169,000
Snohomish, Washington 172 $ 29,770,000 $ 173,081 $ 222,000
Monmouth, New Jersey 171 $ 31,925,000 $ 186,695 $ 205,000
Ocean, New Jersey 166 $ 23,750,000 $ 143,072 $ 147,000
Montgomery, Ohio 155 $ 24,485,000 $ 157,967 $ 130,000
Jefferson, Colorado 152 $ 24,670,000 $ 162,302 $ 178,000
Duval, Florida 152 $ 27,270,000 $ 179,407 $ 152,000
Montgomery, Maryland 152 $ 30,050,000 $ 197,697 $ 216,000
Douglas, Colorado 151 $ 25,075,000 $ 166,059 $ 207,000
Middlesex, Massachusetts 151 $ 30,565,000 $ 202,417 $ 209,000
Hernando, Florida 150 $ 18,140,000 $ 120,933 $ 96,000
Martin, Florida 147 $ 23,955,000 $ 162,959 $ 158,000
Gwinnett, Georgia 145 $ 23,125,000 $ 159,482 $ 169,000
Montgomery, Pennsylvania 145 $ 28,965,000 $ 199,758 $ 207,000
Boone, Kentucky 142 $ 22,210,000 $ 156,408 $ 137,000
Allegheny, Pennsylvania 138 $ 31,720,000 $ 229,855 $ 162,000
Seminole, Florida 137 $ 22,175,000 $ 161,861 $ 179,000
Brevard, Florida 134 $ 22,730,000 $ 169,626 $ 179,000
Nassau, New York 132 $ 24,870,000 $ 188,409 $ 251,000
Kenton, Kentucky 129 $ 21,295,000 $ 165,077 $ 125,000
Ventura, California 128 $ 19,030,000 $ 148,671 $ 199,000
Volusia, Florida 128 $ 19,460,000 $ 152,031 $ 110,000
Campbell, Kentucky 122 $ 16,860,000 $ 138,196 $ 121,000
Morris, New Jersey 122 $ 24,870,000 $ 203,852 $ 304,000
Bucks, Pennsylvania 122 $ 26,260,000 $ 215,245 $ 188,000
DeKalb, Georgia 117 $ 19,645,000 $ 167,905 $ 211,000
DuPage, Illinois 115 $ 23,295,000 $ 202,565 $ 191,000
Denver, Colorado 111 $ 18,185,000 $ 163,828 $ 205,000
Polk, Florida 110 $ 14,870,000 $ 135,181 $ 114,000
Suffolk, New York 110 $ 16,240,000 $ 147,636 $ 176,000
Union, North Carolina 108 $ 31,470,000 $ 291,388 $ 174,000
Williamson, Tennessee 108 $ 32,040,000 $ 296,666 $ 197,000
Essex, New Jersey 106 $ 18,040,000 $ 170,188 $ 298,000
Placer, California 102 $ 15,520,000 $ 152,156 $ 183,000
Somerset, New Jersey 102 $ 22,640,000 $ 221,960 $ 224,000
Arapahoe, Colorado 99 $ 17,255,000 $ 174,292 $ 180,000
San Mateo, California 96 $ 18,930,000 $ 197,187 $ 247,000
Fairfield, Connecticut 96 $ 17,470,000 $ 181,979 $ 206,000
San Joaquin, California 95 $ 16,445,000 $ 173,105 $ 211,000
Lake, Florida 93 $ 14,075,000 $ 151,344 $ 118,000
Westchester, New York 92 $ 19,560,000 $ 212,608 $ 241,000
Osceola, Florida 90 $ 15,730,000 $ 174,777 $ 136,000
Chester, Pennsylvania 87 $ 17,475,000 $ 200,862 $ 210,000
Boulder, Colorado 86 $ 17,170,000 $ 199,651 $ 191,000
Hamilton, Indiana 79 $ 16,885,000 $ 213,734 $ 260,000
Union, New Jersey 78 $ 12,970,000 $ 166,282 $ 159,000
Cherokee, Georgia 76 $ 12,160,000 $ 160,000 $ 148,000
Pierce, Washington 76 $ 11,520,000 $ 151,578 $ 205,000
Will, Illinois 73 $ 11,905,000 $ 163,082 $ 191,000
Burlington, New Jersey 73 $ 10,705,000 $ 146,643 $ 153,000
Wayne, Ohio 70 $ 10,850,000 $ 155,000 $ 102,000
Prince William, Virginia 70 $ 16,610,000 $ 237,285 $ 180,000
Larimer, Colorado 68 $ 9,690,000 $ 142,500 $ 149,000
Lake, Illinois 68 $ 13,630,000 $ 200,441 $ 213,000
Durham, North Carolina 68 $ 14,430,000 $ 212,205 $ 157,000
Camden, New Jersey 63 $ 7,045,000 $ 111,825 $ 143,000
Lucas, Ohio 63 $ 10,465,000 $ 166,111 $ 126,000
San Francisco, California 62 $ 10,670,000 $ 172,096 $ 232,000
District of Columbia, District Of Columbia 62 $ 12,930,000 $ 208,548 $ 223,000
Multnomah, Oregon 60 $ 8,820,000 $ 147,000 $ 151,000
Washington, Oregon 60 $ 9,680,000 $ 161,333 $ 174,000
Henrico, Virginia 60 $ 14,060,000 $ 234,333 $ 207,000
Mercer, New Jersey 59 $ 11,035,000 $ 187,033 $ 186,000
Madison, Ohio 59 $ 9,505,000 $ 161,101 $ 135,000
Clark, Washington 58 $ 9,810,000 $ 169,137 $ 155,000
El Paso, Colorado 57 $ 7,795,000 $ 136,754 $ 134,000
Indian River, Florida 57 $ 9,995,000 $ 175,350 $ 200,000
Marion, Florida 56 $ 6,860,000 $ 122,500 $ 178,000
Erie, Ohio 56 $ 9,210,000 $ 164,464 $ 146,000
Hartford, Connecticut 55 $ 8,585,000 $ 156,090 $ 218,000
Norfolk, Massachusetts 55 $ 11,475,000 $ 208,636 $ 388,000
Essex, Massachusetts 54 $ 8,560,000 $ 158,518 $ 195,000
Fresno, California 53 $ 6,325,000 $ 119,339 $ 161,000
Santa Cruz, California 53 $ 8,905,000 $ 168,018 $ 214,000
St. Charles, Missouri 53 $ 10,205,000 $ 192,547 $ 139,000
Cabarrus, North Carolina 53 $ 10,015,000 $ 188,962 $ 147,000
Davidson, Tennessee 53 $ 12,915,000 $ 243,679 $ 177,000
Weld, Colorado 51 $ 5,935,000 $ 116,372 $ 160,000
Anne Arundel, Maryland 51 $ 10,155,000 $ 199,117 $ 201,000
Erie, New York 51 $ 6,295,000 $ 123,431 $ 138,000
Buncombe, North Carolina 51 $ 8,785,000 $ 172,254 $ 96,000
Mahoning, Ohio 50 $ 5,770,000 $ 115,400 $ 115,000
Marion, Indiana 49 $ 6,465,000 $ 131,938 $ 175,000
Ashtabula, Ohio 49 $ 6,465,000 $ 131,938 $ 103,000
Pickaway, Ohio 49 $ 9,395,000 $ 191,734 $ 161,000
El Dorado, California 48 $ 6,730,000 $ 140,208 $ 191,000
Adams, Colorado 48 $ 6,690,000 $ 139,375 $ 141,000
Rockingham, New Hampshire 48 $ 8,190,000 $ 170,625 $ 168,000
Santa Barbara, California 47 $ 7,595,000 $ 161,595 $ 194,000
Frederick, Maryland 47 $ 13,045,000 $ 277,553 $ 163,000
Sonoma, California 46 $ 8,040,000 $ 174,782 $ 180,000
St. Louis, Missouri 46 $ 8,280,000 $ 180,000 $ 179,000
Kings, New York 46 $ 7,370,000 $ 160,217 $ 205,000
Dearborn, Indiana 45 $ 8,015,000 $ 178,111 $ 112,000
Prince George's, Maryland 45 $ 8,175,000 $ 181,666 $ 169,000
Worcester, Massachusetts 45 $ 8,415,000 $ 187,000 $ 182,000
Hudson, New Jersey 45 $ 13,245,000 $ 294,333 $ 196,000
Trumbull, Ohio 45 $ 4,755,000 $ 105,666 $ 124,000
Delaware, Pennsylvania 45 $ 8,995,000 $ 199,888 $ 179,000
Sumter, Florida 43 $ 9,065,000 $ 210,813 $ 101,000
Baltimore, Maryland 43 $ 9,565,000 $ 222,441 $ 178,000
Westmoreland, Pennsylvania 43 $ 7,475,000 $ 173,837 $ 135,000
Solano, California 42 $ 5,530,000 $ 131,666 $ 173,000
Howard, Maryland 42 $ 9,100,000 $ 216,666 $ 198,000
Hunterdon, New Jersey 42 $ 6,860,000 $ 163,333 $ 197,000
Queens, New York 42 $ 6,080,000 $ 144,761 $ 133,000
Iredell, North Carolina 42 $ 7,240,000 $ 172,380 $ 162,000
Ottawa, Ohio 42 $ 8,060,000 $ 191,904 $ 160,000
Chesterfield, Virginia 42 $ 8,970,000 $ 213,571 $ 178,000
Marin, California 41 $ 6,855,000 $ 167,195 $ 215,000
Alachua, Florida 40 $ 6,560,000 $ 164,000 $ 139,000
Flagler, Florida 40 $ 6,650,000 $ 166,250 $ 143,000
Plymouth, Massachusetts 40 $ 6,290,000 $ 157,250 $ 190,000
Lancaster, Pennsylvania 40 $ 6,860,000 $ 171,500 $ 149,000
Philadelphia, Pennsylvania 40 $ 5,980,000 $ 149,500 $ 155,000
Spokane, Washington 40 $ 5,860,000 $ 146,500 $ 130,000
San Luis Obispo, California 39 $ 5,685,000 $ 145,769 $ 177,000
Passaic, New Jersey 39 $ 7,535,000 $ 193,205 $ 171,000
Guilford, North Carolina 39 $ 7,695,000 $ 197,307 $ 213,000
Knox, Ohio 39 $ 5,305,000 $ 136,025 $ 102,000
New Haven, Connecticut 38 $ 7,050,000 $ 185,526 $ 185,000
York, Pennsylvania 38 $ 6,730,000 $ 177,105 $ 137,000
Kane, Illinois 37 $ 8,025,000 $ 216,891 $ 175,000
Jefferson, Kentucky 37 $ 6,315,000 $ 170,675 $ 190,000
Greene, Ohio 37 $ 6,745,000 $ 182,297 $ 116,000
Shelby, Tennessee 37 $ 6,845,000 $ 185,000 $ 156,000
Broomfield, Colorado 36 $ 5,840,000 $ 162,222 $ 197,000
Citrus, Florida 36 $ 5,160,000 $ 143,333 $ 94,000
Clackamas, Oregon 36 $ 7,400,000 $ 205,555 $ 150,000
Okaloosa, Florida 35 $ 4,525,000 $ 129,285 $ 139,000
Gloucester, New Jersey 35 $ 5,895,000 $ 168,428 $ 186,000
New Hanover, North Carolina 35 $ 8,515,000 $ 243,285 $ 157,000
Butler, Pennsylvania 35 $ 7,685,000 $ 219,571 $ 136,000
Lehigh, Pennsylvania 35 $ 7,395,000 $ 211,285 $ 154,000
Northampton, Pennsylvania 35 $ 6,125,000 $ 175,000 $ 162,000
Clay, Florida 34 $ 4,890,000 $ 143,823 $ 136,000
Knox, Tennessee 34 $ 6,760,000 $ 198,823 $ 171,000
Escambia, Florida 33 $ 5,635,000 $ 170,757 $ 113,000
Leon, Florida 33 $ 5,365,000 $ 162,575 $ 122,000
Orange, North Carolina 33 $ 6,885,000 $ 208,636 $ 216,000
Ashland, Ohio 33 $ 5,095,000 $ 154,393 $ 106,000
Arlington, Virginia 33 $ 8,105,000 $ 245,606 $ 237,000
Rockland, New York 32 $ 5,280,000 $ 165,000 $ 228,000
Chatham, North Carolina 32 $ 8,540,000 $ 266,875 $ 184,000
Paulding, Georgia 31 $ 4,715,000 $ 152,096 $ 117,000
Berks, Pennsylvania 30 $ 4,960,000 $ 165,333 $ 183,000
Washington, Pennsylvania 30 $ 8,080,000 $ 269,333 $ 168,000
Forsyth, North Carolina 29 $ 4,135,000 $ 142,586 $ 133,000
Gaston, North Carolina 29 $ 4,485,000 $ 154,655 $ 138,000
Hamilton, Tennessee 29 $ 5,615,000 $ 193,620 $ 143,000
Wilson, Tennessee 29 $ 8,075,000 $ 278,448 $ 175,000
Kern, California 28 $ 2,570,000 $ 91,785 $ 132,000
Bristol, Massachusetts 28 $ 3,380,000 $ 120,714 $ 178,000
Johnston, North Carolina 28 $ 4,690,000 $ 167,500 $ 122,000
Morrow, Ohio 28 $ 5,310,000 $ 189,642 $ 109,000
Wood, Ohio 28 $ 4,400,000 $ 157,142 $ 113,000
Stanislaus, California 27 $ 3,395,000 $ 125,740 $ 146,000
Chatham, Georgia 27 $ 3,595,000 $ 133,148 $ 96,000
Coweta, Georgia 27 $ 4,705,000 $ 174,259 $ 167,000
Monterey, California 26 $ 3,850,000 $ 148,076 $ 194,000
Sussex, New Jersey 26 $ 4,180,000 $ 160,769 $ 170,000
Richmond, New York 26 $ 3,330,000 $ 128,076 $ 135,000
Richland, Ohio 26 $ 3,290,000 $ 126,538 $ 116,000
Kitsap, Washington 26 $ 3,500,000 $ 134,615 $ 145,000
Whatcom, Washington 26 $ 3,320,000 $ 127,692 $ 174,000
Walton, Florida 25 $ 6,505,000 $ 260,200 $ 303,000
Henry, Georgia 25 $ 3,545,000 $ 141,800 $ 130,000
Brunswick, North Carolina 25 $ 3,775,000 $ 151,000 $ 123,000
Hennepin, Minnesota 24 $ 3,220,000 $ 134,166 $ 234,000
Stafford, Virginia 24 $ 4,370,000 $ 182,083 $ 154,000
Bay, Florida 23 $ 4,845,000 $ 210,652 $ 117,000
Santa Rosa, Florida 23 $ 2,795,000 $ 121,521 $ 116,000
Lake, Indiana 23 $ 3,005,000 $ 130,652 $ 138,000
Barnstable, Massachusetts 23 $ 3,735,000 $ 162,391 $ 120,000
Hall, Georgia 22 $ 3,130,000 $ 142,272 $ 136,000
Orange, New York 22 $ 2,800,000 $ 127,272 $ 148,000
Richmond City, Virginia 22 $ 2,800,000 $ 127,272 $ 207,000
Yolo, California 21 $ 3,245,000 $ 154,523 $ 190,000
Carroll, Maryland 21 $ 3,685,000 $ 175,476 $ 156,000
Oakland, Michigan 21 $ 2,355,000 $ 112,142 $ 220,000
Jackson, Missouri 21 $ 3,005,000 $ 143,095 $ 140,000
Atlantic, New Jersey 21 $ 4,045,000 $ 192,619 $ 174,000
Monroe, New York 21 $ 2,625,000 $ 125,000 $ 156,000
Huron, Ohio 21 $ 2,165,000 $ 103,095 $ 84,000
Cecil, Maryland 20 $ 3,740,000 $ 187,000 $ 152,000
Alexandria, Virginia 20 $ 5,580,000 $ 279,000 $ 221,000
Virginia Beach, Virginia 20 $ 2,630,000 $ 131,500 $ 187,000
Thurston, Washington 20 $ 2,680,000 $ 134,000 $ 152,000
Highlands, Florida 19 $ 2,005,000 $ 105,526 $ 103,000
Douglas, Georgia 19 $ 2,445,000 $ 128,684 $ 154,000
Fayette, Georgia 19 $ 3,345,000 $ 176,052 $ 140,000
McHenry, Illinois 19 $ 2,795,000 $ 147,105 $ 139,000
Harford, Maryland 19 $ 3,555,000 $ 187,105 $ 154,000
Hillsborough, New Hampshire 19 $ 2,565,000 $ 135,000 $ 169,000
Albemarle, Virginia 19 $ 4,405,000 $ 231,842 $ 143,000
Fauquier, Virginia 19 $ 4,605,000 $ 242,368 $ 127,000
Tulare, California 18 $ 2,310,000 $ 128,333 $ 174,000
Miami, Ohio 18 $ 2,780,000 $ 154,444 $ 104,000
Deschutes, Oregon 18 $ 3,180,000 $ 176,666 $ 163,000
Rutherford, Tennessee 18 $ 4,840,000 $ 268,888 $ 141,000
Spotsylvania, Virginia 18 $ 3,850,000 $ 213,888 $ 147,000
Napa, California 17 $ 2,765,000 $ 162,647 $ 151,000
Monroe, Florida 17 $ 3,315,000 $ 195,000 $ 202,000
Nassau, Florida 17 $ 3,175,000 $ 186,764 $ 169,000
Baltimore City, Maryland 17 $ 2,695,000 $ 158,529 $ 143,000
Suffolk, Massachusetts 17 $ 4,035,000 $ 237,352 $ 210,000
Chesapeake, Virginia 17 $ 2,505,000 $ 147,352 $ 214,000
Lincoln, North Carolina 16 $ 2,090,000 $ 130,625 $ 164,000
Clark, Ohio 16 $ 2,550,000 $ 159,375 $ 107,000
Marion, Ohio 16 $ 1,650,000 $ 103,125 $ 128,000
Tuscarawas, Ohio 16 $ 2,010,000 $ 125,625 $ 79,000
Hanover, Virginia 16 $ 3,690,000 $ 230,625 $ 174,000
Shasta, California 15 $ 1,965,000 $ 131,000 $ 173,000
Ulster, New York 15 $ 1,865,000 $ 124,333 $ 114,000
Henderson, North Carolina 15 $ 2,015,000 $ 134,333 $ 132,000
Cumberland, Pennsylvania 15 $ 3,245,000 $ 216,333 $ 158,000
Dauphin, Pennsylvania 15 $ 1,945,000 $ 129,666 $ 115,000
Sumner, Tennessee 15 $ 3,345,000 $ 223,000 $ 113,000
St. Louis City, Missouri 14 $ 2,570,000 $ 183,571 $ 159,000
Warren, New Jersey 14 $ 1,780,000 $ 127,142 $ 134,000
Bronx, New York 14 $ 1,660,000 $ 118,571 $ 128,000
Columbiana, Ohio 14 $ 1,280,000 $ 91,428 $ 155,000
Linn, Oregon 14 $ 1,960,000 $ 140,000 $ 121,000
Marion, Oregon 14 $ 1,820,000 $ 130,000 $ 153,000
Monroe, Pennsylvania 14 $ 1,550,000 $ 110,714 $ 106,000
Dawson, Georgia 13 $ 1,515,000 $ 116,538 $ 108,000
Hendricks, Indiana 13 $ 2,225,000 $ 171,153 $ 166,000
Charles, Maryland 13 $ 1,775,000 $ 136,538 $ 169,000
Hampden, Massachusetts 13 $ 2,365,000 $ 181,923 $ 206,000
Cape May, New Jersey 13 $ 1,685,000 $ 129,615 $ 129,000
Lane, Oregon 13 $ 2,325,000 $ 178,846 $ 129,000
Erie, Pennsylvania 13 $ 1,465,000 $ 112,692 $ 103,000
Litchfield, Connecticut 12 $ 1,720,000 $ 143,333 $ 183,000
Allen, Indiana 12 $ 1,960,000 $ 163,333 $ 160,000
Porter, Indiana 12 $ 2,160,000 $ 180,000 $ 227,000
Cumberland, New Jersey 12 $ 1,540,000 $ 128,333 $ 111,000
Clinton, Ohio 12 $ 2,500,000 $ 208,333 $ 158,000
Montgomery, Virginia 12 $ 2,080,000 $ 173,333 $ 177,000
Benton, Washington 12 $ 1,650,000 $ 137,500 $ 118,000
Merced, California 11 $ 1,175,000 $ 106,818 $ 84,000
Mesa, Colorado 11 $ 1,355,000 $ 123,181 $ 121,000
Middlesex, Connecticut 11 $ 1,685,000 $ 153,181 $ 140,000
Clayton, Georgia 11 $ 1,665,000 $ 151,363 $ 99,000
Fayette, Kentucky 11 $ 1,485,000 $ 135,000 $ 98,000
Oldham, Kentucky 11 $ 2,075,000 $ 188,636 $ 139,000
Albany, New York 11 $ 1,215,000 $ 110,454 $ 177,000
Catawba, North Carolina 11 $ 1,625,000 $ 147,727 $ 88,000
Hancock, Ohio 11 $ 1,885,000 $ 171,363 $ 112,000
Luzerne, Pennsylvania 11 $ 1,535,000 $ 139,545 $ 192,000
Skagit, Washington 11 $ 1,435,000 $ 130,454 $ 134,000
Nevada, California 10 $ 1,240,000 $ 124,000 $ 154,000
Columbia, Georgia 10 $ 1,400,000 $ 140,000 $ 141,000
Effingham, Georgia 10 $ 1,320,000 $ 132,000 $ 105,000
Muscogee, Georgia 10 $ 1,450,000 $ 145,000 $ 181,000
Oconee, Georgia 10 $ 1,650,000 $ 165,000 $ 182,000
Hampshire, Massachusetts 10 $ 1,660,000 $ 166,000 $ 166,000
Wayne, Michigan 10 $ 560,000 $ 56,000 $ 133,000
Dakota, Minnesota 10 $ 1,210,000 $ 121,000 $ 186,000
Merrimack, New Hampshire 10 $ 2,100,000 $ 210,000 $ 135,000
Caldwell, North Carolina 10 $ 1,460,000 $ 146,000 $ 113,000
Carteret, North Carolina 10 $ 1,510,000 $ 151,000 $ 136,000
Cleveland, North Carolina 10 $ 2,030,000 $ 203,000 $ 124,000
Moore, North Carolina 10 $ 2,200,000 $ 220,000 $ 99,000
Rowan, North Carolina 10 $ 1,310,000 $ 131,000 $ 114,000
Athens, Ohio 10 $ 1,570,000 $ 157,000 $ 95,000
Brown, Ohio 10 $ 1,810,000 $ 181,000 $ 85,000
Champaign, Ohio 10 $ 1,180,000 $ 118,000 $ 95,000
Washington, Ohio 10 $ 1,010,000 $ 101,000 $ 101,000
Beaver, Pennsylvania 10 $ 1,920,000 $ 192,000 $ 104,000
Mercer, Pennsylvania 10 $ 1,240,000 $ 124,000 $ 87,000
Maury, Tennessee 10 $ 2,390,000 $ 239,000 $ 161,000
Butte, California 9 $ 985,000 $ 109,444 $ 85,000
Eagle, Colorado 9 $ 1,475,000 $ 163,888 $ 137,000
New London, Connecticut 9 $ 1,045,000 $ 116,111 $ 158,000
Barrow, Georgia 9 $ 865,000 $ 96,111 $ 102,000
Monroe, Indiana 9 $ 985,000 $ 109,444 $ 98,000
Platte, Missouri 9 $ 1,795,000 $ 199,444 $ 147,000
Grafton, New Hampshire 9 $ 1,595,000 $ 177,222 $ 184,000
Dutchess, New York 9 $ 2,385,000 $ 265,000 $ 204,000
Davidson, North Carolina 9 $ 1,375,000 $ 152,777 $ 104,000
Pender, North Carolina 9 $ 1,995,000 $ 221,666 $ 151,000
Transylvania, North Carolina 9 $ 2,155,000 $ 239,444 $ 96,000
Hocking, Ohio 9 $ 1,425,000 $ 158,333 $ 87,000
Logan, Ohio 9 $ 1,375,000 $ 152,777 $ 170,000
Robertson, Tennessee 9 $ 1,115,000 $ 123,888 $ 170,000
Goochland, Virginia 9 $ 2,215,000 $ 246,111 $ 201,000
York, Virginia 9 $ 2,025,000 $ 225,000 $ 163,000
Tolland, Connecticut 8 $ 950,000 $ 118,750 $ 144,000
Putnam, Florida 8 $ 1,160,000 $ 145,000 $ 89,000
Jackson, Georgia 8 $ 1,560,000 $ 195,000 $ 131,000
Boone, Indiana 8 $ 1,840,000 $ 230,000 $ 184,000
St. Joseph, Indiana 8 $ 900,000 $ 112,500 $ 84,000
Macomb, Michigan 8 $ 830,000 $ 103,750 $ 137,000
Strafford, New Hampshire 8 $ 1,660,000 $ 207,500 $ 164,000
New York, New York 8 $ 1,120,000 $ 140,000 $ 290,000
Onondaga, New York 8 $ 710,000 $ 88,750 $ 108,000
Putnam, New York 8 $ 1,270,000 $ 158,750 $ 167,000
Craven, North Carolina 8 $ 1,140,000 $ 142,500 $ 64,000
Cumberland, North Carolina 8 $ 760,000 $ 95,000 $ 215,000
Pitt, North Carolina 8 $ 1,250,000 $ 156,250 $ 104,000
Belmont, Ohio 8 $ 1,320,000 $ 165,000 $ 143,000
Sandusky, Ohio 8 $ 940,000 $ 117,500 $ 72,000
Sullivan, Tennessee 8 $ 1,140,000 $ 142,500 $ 170,000
Chelan, Washington 8 $ 1,090,000 $ 136,250 $ 108,000
Island, Washington 8 $ 1,350,000 $ 168,750 $ 92,000
Yakima, Washington 8 $ 1,010,000 $ 126,250 $ 147,000
Pueblo, Colorado 7 $ 1,045,000 $ 149,285 $ 114,000
Columbia, Florida 7 $ 1,195,000 $ 170,714 $ 122,000
Carroll, Georgia 7 $ 765,000 $ 109,285 $ 99,000
Clarke, Georgia 7 $ 1,365,000 $ 195,000 $ 150,000
Harris, Georgia 7 $ 1,085,000 $ 155,000 $ 132,000
Franklin, Indiana 7 $ 915,000 $ 130,714 $ 112,000
Johnson, Indiana 7 $ 1,395,000 $ 199,285 $ 217,000
LaPorte, Indiana 7 $ 1,125,000 $ 160,714 $ 104,000
Queen Anne's, Maryland 7 $ 1,005,000 $ 143,571 $ 256,000
Washington, Maryland 7 $ 675,000 $ 96,428 $ 142,000
Washtenaw, Michigan 7 $ 915,000 $ 130,714 $ 609,000
Ramsey, Minnesota 7 $ 545,000 $ 77,857 $ 186,000
Alamance, North Carolina 7 $ 1,205,000 $ 172,142 $ 154,000
Granville, North Carolina 7 $ 975,000 $ 139,285 $ 134,000
Muskingum, Ohio 7 $ 685,000 $ 97,857 $ 90,000
Ross, Ohio 7 $ 925,000 $ 132,142 $ 125,000
Wyandot, Ohio 7 $ 755,000 $ 107,857 $ 102,000
Jackson, Oregon 7 $ 885,000 $ 126,428 $ 91,000
Centre, Pennsylvania 7 $ 1,315,000 $ 187,857 $ 196,000
Lackawanna, Pennsylvania 7 $ 1,395,000 $ 199,285 $ 211,000
Lawrence, Pennsylvania 7 $ 1,245,000 $ 177,857 $ 113,000
Lebanon, Pennsylvania 7 $ 755,000 $ 107,857 $ 93,000
Norfolk, Virginia 7 $ 2,845,000 $ 406,428 $ 206,000
Franklin, Washington 7 $ 775,000 $ 110,714 $ 164,000
San Benito, California 6 $ 1,030,000 $ 171,666 $ 129,000
Sutter, California 6 $ 630,000 $ 105,000 $ 157,000
Elbert, Colorado 6 $ 670,000 $ 111,666 $ 661,000
Garfield, Colorado 6 $ 1,060,000 $ 176,666 $ 122,000
La Plata, Colorado 6 $ 740,000 $ 123,333 $ 103,000
Park, Colorado 6 $ 780,000 $ 130,000 $ 107,000
Bartow, Georgia 6 $ 640,000 $ 106,666 $ 143,000
Bibb, Georgia 6 $ 880,000 $ 146,666 $ 157,000
Bryan, Georgia 6 $ 1,370,000 $ 228,333 $ 127,000
Greene, Georgia 6 $ 1,810,000 $ 301,666 $ 175,000
Houston, Georgia 6 $ 820,000 $ 136,666 $ 130,000
Rockdale, Georgia 6 $ 660,000 $ 110,000 $ 56,000
Walton, Georgia 6 $ 650,000 $ 108,333 $ 131,000
Madison, Illinois 6 $ 800,000 $ 133,333 $ 219,000
Floyd, Indiana 6 $ 920,000 $ 153,333 $ 150,000
Tippecanoe, Indiana 6 $ 760,000 $ 126,666 $ 120,000
Calvert, Maryland 6 $ 1,480,000 $ 246,666 $ 794,000
St. Mary's, Maryland 6 $ 570,000 $ 95,000 $ 167,000
Jefferson, Missouri 6 $ 1,520,000 $ 253,333 $ 143,000
Salem, New Jersey 6 $ 2,270,000 $ 378,333 $ 184,000
Dare, North Carolina 6 $ 1,290,000 $ 215,000 $ 114,000
Harnett, North Carolina 6 $ 340,000 $ 56,666 $ 110,000
Allen, Ohio 6 $ 570,000 $ 95,000 $ 72,000
Fayette, Ohio 6 $ 680,000 $ 113,333 $ 115,000
Holmes, Ohio 6 $ 780,000 $ 130,000 $ 162,000
Preble, Ohio 6 $ 810,000 $ 135,000 $ 367,000
Scioto, Ohio 6 $ 580,000 $ 96,666 $ 108,000
Shelby, Ohio 6 $ 840,000 $ 140,000 $ 94,000
Benton, Oregon 6 $ 1,210,000 $ 201,666 $ 149,000
Adams, Pennsylvania 6 $ 760,000 $ 126,666 $ 173,000
Bradley, Tennessee 6 $ 470,000 $ 78,333 $ 74,000
Monroe, Tennessee 6 $ 1,590,000 $ 265,000 $ 192,000
Frederick, Virginia 6 $ 500,000 $ 83,333 $ 134,000
James City, Virginia 6 $ 1,470,000 $ 245,000 $ 144,000
Newport News, Virginia 6 $ 770,000 $ 128,333 $ 105,000
Roanoke, Virginia 6 $ 1,100,000 $ 183,333 $ 113,000
Suffolk, Virginia 6 $ 650,000 $ 108,333 $ 101,000
Amador, California 5 $ 775,000 $ 155,000 $ 203,000
Richmond, Georgia 5 $ 485,000 $ 97,000 $ 178,000
Champaign, Illinois 5 $ 785,000 $ 157,000 $ 218,000
Clark, Indiana 5 $ 505,000 $ 101,000 $ 104,000
Kosciusko, Indiana 5 $ 435,000 $ 87,000 $ 108,000
Vanderburgh, Indiana 5 $ 685,000 $ 137,000 $ 239,000
Berkshire, Massachusetts 5 $ 625,000 $ 125,000 $ 95,000
Kent, Michigan 5 $ 465,000 $ 93,000 $ 154,000
Clay, Missouri 5 $ 1,885,000 $ 377,000 $ 154,000
Greene, Missouri 5 $ 785,000 $ 157,000 $ 91,000
Stone, Missouri 5 $ 1,745,000 $ 349,000 $ 121,000
Chautauqua, New York 5 $ 1,075,000 $ 215,000 $ 112,000
Saratoga, New York 5 $ 905,000 $ 181,000 $ 303,000
Schenectady, New York 5 $ 625,000 $ 125,000 $ 192,000
Beaufort, North Carolina 5 $ 545,000 $ 109,000 $ 156,000
Nash, North Carolina 5 $ 685,000 $ 137,000 $ 101,000
Onslow, North Carolina 5 $ 605,000 $ 121,000 $ 71,000
Stanly, North Carolina 5 $ 905,000 $ 181,000 $ 111,000
Watauga, North Carolina 5 $ 495,000 $ 99,000 $ 163,000
Darke, Ohio 5 $ 785,000 $ 157,000 $ 159,000
Highland, Ohio 5 $ 455,000 $ 91,000 $ 63,000
Putnam, Ohio 5 $ 935,000 $ 187,000 $ 167,000
Clatsop, Oregon 5 $ 725,000 $ 145,000 $ 106,000
Yamhill, Oregon 5 $ 1,265,000 $ 253,000 $ 181,000
Pike, Pennsylvania 5 $ 365,000 $ 73,000 $ 69,000
Cumberland, Tennessee 5 $ 805,000 $ 161,000 $ 90,000
Hawkins, Tennessee 5 $ 875,000 $ 175,000 $ 116,000
Loudon, Tennessee 5 $ 385,000 $ 77,000 $ 73,000
Montgomery, Tennessee 5 $ 865,000 $ 173,000 $ 105,000
Bedford, Virginia 5 $ 755,000 $ 151,000 $ 139,000
Charlottesville, Virginia 5 $ 625,000 $ 125,000 $ 114,000
Fairfax City, Virginia 5 $ 1,565,000 $ 313,000 $ 372,000
Falls Church, Virginia 5 $ 945,000 $ 189,000 $ 210,000
Franklin, Virginia 5 $ 1,065,000 $ 213,000 $ 172,000
Clallam, Washington 5 $ 575,000 $ 115,000 $ 54,000
Humboldt, California 4 $ 600,000 $ 150,000 $ 117,000
Tuolumne, California 4 $ 290,000 $ 72,500 $ 114,000
Yuba, California 4 $ 300,000 $ 75,000 $ 106,000
Chaffee, Colorado 4 $ 490,000 $ 122,500 $ 106,000
Routt, Colorado 4 $ 720,000 $ 180,000 $ 181,000
Teller, Colorado 4 $ 950,000 $ 237,500 $ 137,000
Levy, Florida 4 $ 660,000 $ 165,000 $ 77,000
Catoosa, Georgia 4 $ 320,000 $ 80,000 $ 135,000
Floyd, Georgia 4 $ 570,000 $ 142,500 $ 116,000
Glynn, Georgia 4 $ 380,000 $ 95,000 $ 131,000
Lumpkin, Georgia 4 $ 420,000 $ 105,000 $ 184,000
Morgan, Georgia 4 $ 660,000 $ 165,000 $ 87,000
Troup, Georgia 4 $ 300,000 $ 75,000 $ 83,000
Kendall, Illinois 4 $ 420,000 $ 105,000 $ 220,000
McLean, Illinois 4 $ 510,000 $ 127,500 $ 100,000
Peoria, Illinois 4 $ 750,000 $ 187,500 $ 193,000
Delaware, Indiana 4 $ 560,000 $ 140,000 $ 101,000
Hancock, Indiana 4 $ 910,000 $ 227,500 $ 130,000
Morgan, Indiana 4 $ 720,000 $ 180,000 $ 72,000
Union, Indiana 4 $ 420,000 $ 105,000 $ 79,000
Franklin, Kentucky 4 $ 570,000 $ 142,500 $ 177,000
Scott, Kentucky 4 $ 320,000 $ 80,000 $ 109,000
Talbot, Maryland 4 $ 670,000 $ 167,500 $ 54,000
Worcester, Maryland 4 $ 330,000 $ 82,500 $ 573,000
Dukes, Massachusetts 4 $ 450,000 $ 112,500 $ 83,000
Washington, Minnesota 4 $ 230,000 $ 57,500 $ 145,000
Niagara, New York 4 $ 370,000 $ 92,500 $ 48,000
Oneida, New York 4 $ 690,000 $ 172,500 $ 92,000
Currituck, North Carolina 4 $ 330,000 $ 82,500 $ 101,000
Haywood, North Carolina 4 $ 1,470,000 $ 367,500 $ 271,000
Lee, North Carolina 4 $ 530,000 $ 132,500 $ 69,000
Carroll, Ohio 4 $ 910,000 $ 227,500 $ 128,000
Fulton, Ohio 4 $ 750,000 $ 187,500 $ 124,000
Guernsey, Ohio 4 $ 550,000 $ 137,500 $ 162,000
Polk, Oregon 4 $ 770,000 $ 192,500 $ 127,000
Jefferson, Tennessee 4 $ 780,000 $ 195,000 $ 116,000
Tipton, Tennessee 4 $ 460,000 $ 115,000 $ 88,000
Culpeper, Virginia 4 $ 330,000 $ 82,500 $ 173,000
Manassas, Virginia 4 $ 430,000 $ 107,500 $ 138,000
Staunton, Virginia 4 $ 430,000 $ 107,500 $ 88,000
Cowlitz, Washington 4 $ 540,000 $ 135,000 $ 142,000
Mason, Washington 4 $ 390,000 $ 97,500 $ 81,000
Waukesha, Wisconsin 4 $ 430,000 $ 107,500 $ 104,000
Imperial, California 3 $ 225,000 $ 75,000 $ 71,000
Mariposa, California 3 $ 325,000 $ 108,333 $ 105,000
Fremont, Colorado 3 $ 205,000 $ 68,333 $ 74,000
Gilpin, Colorado 3 $ 475,000 $ 158,333 $ 137,000
Montezuma, Colorado 3 $ 665,000 $ 221,666 $ 80,000
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Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2022

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
Home Purchase 16,862 $4,959,170,000 $294,000 $1,175,000 $127,000 $3,600,000
Other Purpose 14,801 $1,629,675,000 $110,000 $1,005,000 $154,000 $8,471,000
Home Improvement 12,106 $1,183,290,000 $97,000 $1,005,000 $159,000 $9,932,000
Refinancing 8,042 $1,221,190,000 $151,000 $1,005,000 $147,000 $7,600,000
Cash-out Refinancing 5,333 $1,389,705,000 $260,000 $1,005,000 $142,000 $5,148,000
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 37,909 $6,642,555,000 $175,000 $1,005,000 $142,000 $9,932,000
Not Provided 7,799 $1,505,725,000 $193,000 $1,175,000 $159,000 $4,570,000
Asian 3,432 $858,190,000 $250,000 $1,005,000 $170,000 $2,832,000
Hispanic 3,130 $483,040,000 $154,000 $1,005,000 $132,000 $4,776,000
Black or African American 2,735 $371,095,000 $135,000 $1,005,000 $106,000 $6,307,000
American Indian or Alaskan Native 200 $28,260,000 $141,000 $555,000 $185,000 $7,600,000
Not applicable 148 $16,550,000 $111,000 $335,000 $56,000 $191,000
Native Hawaiian or Other Pacific Islander 48 $6,820,000 $142,000 $545,000 $111,000 $303,000

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) 57,144 $10,383,030,000 $181,000 $1,175,000 $145,000 $9,932,000
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 30,255 $5,246,435,000 $173,000 $1,175,000 $159,000 $2,912,000
Application Denied By Financial Institution 11,878 $1,631,700,000 $137,000 $1,005,000 $123,000 $7,418,000
Preapproval Approved but not Accepted 4,086 $1,193,810,000 $292,000 $1,005,000 $122,000 $1,376,000
Application Withdrawn By Applicant 3,746 $751,700,000 $200,000 $1,005,000 $163,000 $9,932,000
Preapproval Denied by Financial Institution 3,406 $904,630,000 $265,000 $1,005,000 $90,000 $2,124,000
File Closed For Incompleteness 1,945 $329,175,000 $169,000 $1,005,000 $181,000 $8,471,000
Application Approved But Not Accepted 1,496 $262,070,000 $175,000 $1,005,000 $146,000 $2,849,000
Loan Purchased By The Institution 332 $63,510,000 $191,000 $635,000 $95,000 $370,000

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 41,860 $7,846,700,000 $187,000 $1,175,000 $156,000 $9,932,000
Debt-To-Income Ratio 10,710 $1,886,250,000 $176,000 $1,005,000 $88,000 $862,000
Credit History 3,265 $436,895,000 $133,000 $1,005,000 $180,000 $7,418,000
Collateral 666 $87,040,000 $130,000 $1,005,000 $184,000 $3,150,000
Credit Application Incomplete 304 $58,750,000 $193,000 $1,005,000 $223,000 $6,307,000
Other 244 $44,400,000 $181,000 $955,000 $150,000 $1,044,000
Insufficient Cash (Downpayment, Closing Cost) 62 $14,720,000 $237,000 $645,000 $104,000 $330,000
Mortgage Insurance Denied 14 $3,220,000 $230,000 $435,000 $90,000 $195,000
Unverifiable Information 14 $3,480,000 $248,000 $575,000 $133,000 $353,000
Employment History 5 $1,575,000 $315,000 $495,000 $112,000 $202,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2022 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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