Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2023

In 2023, Third Federal Savings and Loan of Cleveland, OH reported 48,675 mortgage applications totaling $7.5 billion, down 15% from 2022. The average application was for $153,828, and applicants reported an average income of $148,088. 44% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Cleveland-Elyria, OH (6,446), Columbus, OH (2,752) and Tampa-St. Petersburg-Clearwater, FL (2,732) (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 48,675
Total Mortgage Loan Application Amount $7,487,605,000
Average Mortgage Loan Application Amount $153,828
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $148,088
Highest Applicant Income $8,769,000

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records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cuyahoga, Ohio 3,828 $ 500,100,000 $ 130,642 $ 115,000
Palm Beach, Florida 1,593 $ 198,295,000 $ 124,478 $ 144,000
Broward, Florida 1,463 $ 168,405,000 $ 115,109 $ 137,000
Franklin, Ohio 1,455 $ 219,325,000 $ 150,738 $ 145,000
Summit, Ohio 1,197 $ 165,345,000 $ 138,132 $ 120,000
Pinellas, Florida 1,044 $ 118,330,000 $ 113,342 $ 125,000
Los Angeles, California 944 $ 129,650,000 $ 137,341 $ 187,000
Hamilton, Ohio 934 $ 118,050,000 $ 126,391 $ 133,000
Hillsborough, Florida 927 $ 103,535,000 $ 111,688 $ 143,000
Lorain, Ohio 869 $ 127,555,000 $ 146,783 $ 122,000
Lee, Florida 761 $ 93,185,000 $ 122,450 $ 126,000
Lake, Ohio 753 $ 96,785,000 $ 128,532 $ 112,000
Medina, Ohio 735 $ 104,885,000 $ 142,700 $ 126,000
Delaware, Ohio 672 $ 158,410,000 $ 235,729 $ 188,000
Pasco, Florida 631 $ 68,035,000 $ 107,820 $ 114,000
Sarasota, Florida 546 $ 78,620,000 $ 143,992 $ 138,000
San Diego, California 538 $ 73,810,000 $ 137,193 $ 219,000
Miami-Dade, Florida 517 $ 65,715,000 $ 127,108 $ 150,000
Orange, California 486 $ 70,190,000 $ 144,423 $ 218,000
Collier, Florida 471 $ 79,205,000 $ 168,163 $ 162,000
Manatee, Florida 414 $ 58,600,000 $ 141,545 $ 146,000
Wake, North Carolina 400 $ 96,060,000 $ 240,150 $ 172,000
Mecklenburg, North Carolina 399 $ 65,505,000 $ 164,172 $ 177,000
Orange, Florida 392 $ 45,520,000 $ 116,122 $ 153,000
Riverside, California 377 $ 43,075,000 $ 114,257 $ 169,000
Butler, Ohio 362 $ 44,870,000 $ 123,950 $ 118,000
Cook, Illinois 307 $ 47,155,000 $ 153,599 $ 190,000
Warren, Ohio 307 $ 53,905,000 $ 175,586 $ 156,000
Portage, Ohio 291 $ 42,145,000 $ 144,828 $ 127,000
Clermont, Ohio 274 $ 35,710,000 $ 130,328 $ 133,000
Fulton, Georgia 262 $ 43,030,000 $ 164,236 $ 236,000
Geauga, Ohio 261 $ 41,475,000 $ 158,908 $ 141,000
King, Washington 261 $ 41,575,000 $ 159,291 $ 221,000
Alameda, California 232 $ 34,190,000 $ 147,370 $ 237,000
Contra Costa, California 230 $ 30,710,000 $ 133,521 $ 228,000
Monmouth, New Jersey 228 $ 34,010,000 $ 149,166 $ 260,000
Allegheny, Pennsylvania 223 $ 61,975,000 $ 277,914 $ 43,000
San Bernardino, California 222 $ 24,500,000 $ 110,360 $ 199,000
Fairfax, Virginia 217 $ 35,205,000 $ 162,235 $ 225,000
Duval, Florida 212 $ 22,320,000 $ 105,283 $ 151,000
Stark, Ohio 205 $ 25,265,000 $ 123,243 $ 123,000
Licking, Ohio 203 $ 26,685,000 $ 131,453 $ 127,000
Sacramento, California 202 $ 21,550,000 $ 106,683 $ 158,000
St. Johns, Florida 186 $ 31,950,000 $ 171,774 $ 189,000
St. Lucie, Florida 186 $ 20,450,000 $ 109,946 $ 115,000
Gwinnett, Georgia 185 $ 21,185,000 $ 114,513 $ 145,000
Brevard, Florida 179 $ 21,485,000 $ 120,027 $ 142,000
Bergen, New Jersey 178 $ 27,720,000 $ 155,730 $ 216,000
Cobb, Georgia 174 $ 23,060,000 $ 132,528 $ 171,000
Fairfield, Ohio 173 $ 22,225,000 $ 128,468 $ 124,000
Seminole, Florida 170 $ 18,150,000 $ 106,764 $ 132,000
Middlesex, New Jersey 170 $ 25,970,000 $ 152,764 $ 181,000
Ocean, New Jersey 167 $ 19,195,000 $ 114,940 $ 149,000
Charlotte, Florida 156 $ 19,300,000 $ 123,717 $ 122,000
Santa Clara, California 154 $ 23,510,000 $ 152,662 $ 236,000
Ventura, California 153 $ 21,085,000 $ 137,810 $ 201,000
Forsyth, Georgia 153 $ 27,435,000 $ 179,313 $ 206,000
Loudoun, Virginia 149 $ 25,705,000 $ 172,516 $ 226,000
Montgomery, Ohio 144 $ 15,570,000 $ 108,125 $ 105,000
Lake, Florida 142 $ 17,210,000 $ 121,197 $ 137,000
Polk, Florida 142 $ 14,360,000 $ 101,126 $ 112,000
Volusia, Florida 138 $ 13,910,000 $ 100,797 $ 101,000
Hernando, Florida 130 $ 10,200,000 $ 78,461 $ 123,000
Union, Ohio 130 $ 37,650,000 $ 289,615 $ 171,000
Montgomery, Maryland 129 $ 21,025,000 $ 162,984 $ 258,000
Snohomish, Washington 124 $ 17,300,000 $ 139,516 $ 185,000
DuPage, Illinois 119 $ 18,765,000 $ 157,689 $ 212,000
DeKalb, Georgia 118 $ 16,000,000 $ 135,593 $ 190,000
Union, North Carolina 118 $ 24,360,000 $ 206,440 $ 174,000
Morris, New Jersey 115 $ 17,545,000 $ 152,565 $ 232,000
Cherokee, Georgia 114 $ 14,930,000 $ 130,964 $ 211,000
Arapahoe, Colorado 112 $ 15,420,000 $ 137,678 $ 201,000
Osceola, Florida 111 $ 12,045,000 $ 108,513 $ 112,000
Essex, New Jersey 111 $ 16,605,000 $ 149,594 $ 242,000
Middlesex, Massachusetts 109 $ 16,625,000 $ 152,522 $ 240,000
Placer, California 106 $ 12,220,000 $ 115,283 $ 189,000
Jefferson, Colorado 103 $ 14,235,000 $ 138,203 $ 172,000
Douglas, Colorado 100 $ 13,300,000 $ 133,000 $ 209,000
Martin, Florida 100 $ 15,130,000 $ 151,300 $ 151,000
Boone, Kentucky 100 $ 13,680,000 $ 136,800 $ 138,000
Union, New Jersey 100 $ 13,900,000 $ 139,000 $ 215,000
Kenton, Kentucky 97 $ 12,425,000 $ 128,092 $ 135,000
Chester, Pennsylvania 96 $ 17,240,000 $ 179,583 $ 233,000
San Joaquin, California 95 $ 10,485,000 $ 110,368 $ 160,000
Montgomery, Pennsylvania 91 $ 13,365,000 $ 146,868 $ 204,000
Denver, Colorado 90 $ 11,850,000 $ 131,666 $ 232,000
Somerset, New Jersey 87 $ 13,605,000 $ 156,379 $ 263,000
Marion, Florida 85 $ 9,095,000 $ 107,000 $ 97,000
Lake, Illinois 85 $ 11,755,000 $ 138,294 $ 243,000
Prince William, Virginia 85 $ 14,315,000 $ 168,411 $ 164,000
Pierce, Washington 85 $ 9,015,000 $ 106,058 $ 182,000
Guilford, North Carolina 82 $ 13,940,000 $ 170,000 $ 131,000
Hamilton, Indiana 81 $ 12,605,000 $ 155,617 $ 198,000
Cabarrus, North Carolina 78 $ 14,640,000 $ 187,692 $ 178,000
Will, Illinois 77 $ 12,385,000 $ 160,844 $ 188,000
Essex, Massachusetts 75 $ 10,205,000 $ 136,066 $ 227,000
Burlington, New Jersey 75 $ 9,245,000 $ 123,266 $ 170,000
Williamson, Tennessee 75 $ 14,505,000 $ 193,400 $ 213,000
Camden, New Jersey 73 $ 7,965,000 $ 109,109 $ 163,000
Hennepin, Minnesota 71 $ 8,435,000 $ 118,802 $ 201,000
Multnomah, Oregon 71 $ 8,875,000 $ 125,000 $ 165,000
Washington, Oregon 69 $ 8,525,000 $ 123,550 $ 164,000
Bucks, Pennsylvania 68 $ 11,050,000 $ 162,500 $ 184,000
Norfolk, Massachusetts 67 $ 10,165,000 $ 151,716 $ 272,000
Davidson, Tennessee 66 $ 11,080,000 $ 167,878 $ 164,000
Oakland, Michigan 65 $ 6,555,000 $ 100,846 $ 160,000
Larimer, Colorado 64 $ 8,180,000 $ 127,812 $ 166,000
Indian River, Florida 64 $ 7,820,000 $ 122,187 $ 151,000
Wayne, Ohio 64 $ 9,100,000 $ 142,187 $ 113,000
Fresno, California 63 $ 6,335,000 $ 100,555 $ 166,000
Kern, California 63 $ 5,545,000 $ 88,015 $ 131,000
Kane, Illinois 63 $ 7,835,000 $ 124,365 $ 162,000
Clark, Washington 61 $ 7,125,000 $ 116,803 $ 163,000
Prince George's, Maryland 60 $ 6,780,000 $ 113,000 $ 158,000
Boulder, Colorado 59 $ 7,745,000 $ 131,271 $ 180,000
Campbell, Kentucky 59 $ 9,235,000 $ 156,525 $ 135,000
Plymouth, Massachusetts 59 $ 7,205,000 $ 122,118 $ 186,000
Clay, Florida 58 $ 6,510,000 $ 112,241 $ 175,000
Marin, California 57 $ 8,225,000 $ 144,298 $ 392,000
Sumter, Florida 57 $ 6,925,000 $ 121,491 $ 117,000
Anne Arundel, Maryland 57 $ 7,555,000 $ 132,543 $ 187,000
Passaic, New Jersey 57 $ 8,745,000 $ 153,421 $ 192,000
Nassau, New York 56 $ 7,430,000 $ 132,678 $ 204,000
Buncombe, North Carolina 56 $ 12,150,000 $ 216,964 $ 101,000
Iredell, North Carolina 56 $ 10,550,000 $ 188,392 $ 150,000
Solano, California 55 $ 6,225,000 $ 113,181 $ 155,000
Clackamas, Oregon 55 $ 7,825,000 $ 142,272 $ 159,000
El Dorado, California 54 $ 7,590,000 $ 140,555 $ 219,000
Gloucester, New Jersey 53 $ 6,935,000 $ 130,849 $ 160,000
Fairfield, Connecticut 52 $ 8,100,000 $ 155,769 $ 209,000
St. Louis, Missouri 52 $ 8,030,000 $ 154,423 $ 190,000
Durham, North Carolina 52 $ 10,890,000 $ 209,423 $ 155,000
Philadelphia, Pennsylvania 52 $ 6,980,000 $ 134,230 $ 136,000
Chesterfield, Virginia 52 $ 6,850,000 $ 131,730 $ 157,000
Mahoning, Ohio 51 $ 8,395,000 $ 164,607 $ 103,000
Santa Barbara, California 50 $ 6,960,000 $ 139,200 $ 174,000
District of Columbia, District Of Columbia 50 $ 8,150,000 $ 163,000 $ 273,000
Flagler, Florida 50 $ 5,260,000 $ 105,200 $ 115,000
Worcester, Massachusetts 50 $ 6,260,000 $ 125,200 $ 158,000
Lucas, Ohio 50 $ 3,810,000 $ 76,200 $ 114,000
San Mateo, California 49 $ 7,725,000 $ 157,653 $ 225,000
Sonoma, California 49 $ 5,945,000 $ 121,326 $ 213,000
Marion, Indiana 49 $ 6,045,000 $ 123,367 $ 123,000
Jefferson, Kentucky 49 $ 7,455,000 $ 152,142 $ 144,000
Mercer, New Jersey 49 $ 8,115,000 $ 165,612 $ 195,000
New Hanover, North Carolina 49 $ 5,645,000 $ 115,204 $ 142,000
Okaloosa, Florida 48 $ 4,280,000 $ 89,166 $ 147,000
Hudson, New Jersey 48 $ 9,580,000 $ 199,583 $ 200,000
Trumbull, Ohio 48 $ 4,130,000 $ 86,041 $ 100,000
Hunterdon, New Jersey 46 $ 5,750,000 $ 125,000 $ 186,000
Brunswick, North Carolina 46 $ 6,200,000 $ 134,782 $ 125,000
Butler, Pennsylvania 46 $ 13,310,000 $ 289,347 $ 59,000
Forsyth, North Carolina 45 $ 7,395,000 $ 164,333 $ 128,000
Henrico, Virginia 45 $ 9,435,000 $ 209,666 $ 195,000
Leon, Florida 44 $ 4,850,000 $ 110,227 $ 146,000
Delaware, Pennsylvania 44 $ 5,470,000 $ 124,318 $ 181,000
El Paso, Colorado 43 $ 4,305,000 $ 100,116 $ 174,000
Weld, Colorado 43 $ 4,805,000 $ 111,744 $ 143,000
Santa Rosa, Florida 43 $ 4,585,000 $ 106,627 $ 148,000
Ashtabula, Ohio 43 $ 7,055,000 $ 164,069 $ 138,000
Pickaway, Ohio 43 $ 5,655,000 $ 131,511 $ 124,000
Knox, Tennessee 43 $ 6,275,000 $ 145,930 $ 196,000
Monterey, California 42 $ 5,260,000 $ 125,238 $ 190,000
Greene, Ohio 42 $ 5,120,000 $ 121,904 $ 138,000
Madison, Ohio 42 $ 7,050,000 $ 167,857 $ 142,000
Virginia Beach, Virginia 42 $ 5,180,000 $ 123,333 $ 155,000
Stanislaus, California 41 $ 4,045,000 $ 98,658 $ 167,000
Gaston, North Carolina 41 $ 8,585,000 $ 209,390 $ 124,000
Johnston, North Carolina 41 $ 5,895,000 $ 143,780 $ 126,000
San Luis Obispo, California 40 $ 5,070,000 $ 126,750 $ 176,000
Chatham, Georgia 40 $ 5,550,000 $ 138,750 $ 152,000
Jackson, Missouri 40 $ 4,790,000 $ 119,750 $ 164,000
Spokane, Washington 40 $ 4,810,000 $ 120,250 $ 138,000
Adams, Colorado 39 $ 4,235,000 $ 108,589 $ 142,000
Citrus, Florida 39 $ 3,485,000 $ 89,358 $ 89,000
Wayne, Michigan 39 $ 3,085,000 $ 79,102 $ 144,000
Washington, Pennsylvania 38 $ 8,950,000 $ 235,526 $ 80,000
Shelby, Tennessee 37 $ 4,455,000 $ 120,405 $ 206,000
Frederick, Maryland 36 $ 5,000,000 $ 138,888 $ 170,000
St. Charles, Missouri 36 $ 6,320,000 $ 175,555 $ 155,000
Westmoreland, Pennsylvania 36 $ 8,350,000 $ 231,944 $ 49,000
Arlington, Virginia 36 $ 8,040,000 $ 223,333 $ 448,000
Alachua, Florida 35 $ 3,895,000 $ 111,285 $ 131,000
Henry, Georgia 35 $ 3,235,000 $ 92,428 $ 136,000
Suffolk, New York 35 $ 4,185,000 $ 119,571 $ 218,000
Orange, North Carolina 35 $ 5,195,000 $ 148,428 $ 156,000
Hall, Georgia 34 $ 4,400,000 $ 129,411 $ 132,000
Sussex, New Jersey 34 $ 4,180,000 $ 122,941 $ 190,000
Westchester, New York 34 $ 4,650,000 $ 136,764 $ 301,000
Ottawa, Ohio 34 $ 7,250,000 $ 213,235 $ 212,000
Santa Cruz, California 33 $ 5,425,000 $ 164,393 $ 259,000
McHenry, Illinois 33 $ 3,495,000 $ 105,909 $ 176,000
Escambia, Florida 32 $ 4,350,000 $ 135,937 $ 133,000
Suffolk, Massachusetts 32 $ 4,010,000 $ 125,312 $ 284,000
Kitsap, Washington 32 $ 3,740,000 $ 116,875 $ 219,000
Baltimore, Maryland 31 $ 3,305,000 $ 106,612 $ 168,000
Deschutes, Oregon 31 $ 4,085,000 $ 131,774 $ 184,000
Lane, Oregon 31 $ 4,115,000 $ 132,741 $ 158,000
Lehigh, Pennsylvania 31 $ 5,915,000 $ 190,806 $ 189,000
Northampton, Pennsylvania 31 $ 3,895,000 $ 125,645 $ 158,000
York, Pennsylvania 31 $ 5,215,000 $ 168,225 $ 95,000
Hamilton, Tennessee 31 $ 4,015,000 $ 129,516 $ 140,000
Henderson, North Carolina 30 $ 6,200,000 $ 206,666 $ 70,000
Erie, Ohio 30 $ 3,880,000 $ 129,333 $ 131,000
Rutherford, Tennessee 30 $ 5,070,000 $ 169,000 $ 143,000
Hanover, Virginia 30 $ 7,550,000 $ 251,666 $ 332,000
Bristol, Massachusetts 29 $ 3,265,000 $ 112,586 $ 182,000
San Francisco, California 28 $ 4,350,000 $ 155,357 $ 261,000
Bay, Florida 28 $ 3,670,000 $ 131,071 $ 127,000
Nassau, Florida 28 $ 3,710,000 $ 132,500 $ 147,000
Walton, Florida 28 $ 3,660,000 $ 130,714 $ 133,000
Atlantic, New Jersey 28 $ 2,610,000 $ 93,214 $ 135,000
Lake, Indiana 27 $ 2,565,000 $ 95,000 $ 135,000
Chatham, North Carolina 27 $ 6,635,000 $ 245,740 $ 194,000
Fayette, Georgia 26 $ 2,820,000 $ 108,461 $ 182,000
Lancaster, Pennsylvania 26 $ 4,120,000 $ 158,461 $ 117,000
Napa, California 25 $ 2,905,000 $ 116,200 $ 238,000
Hartford, Connecticut 25 $ 4,215,000 $ 168,600 $ 146,000
Richland, Ohio 25 $ 2,755,000 $ 110,200 $ 107,000
Wood, Ohio 25 $ 4,005,000 $ 160,200 $ 131,000
Marion, Oregon 25 $ 2,575,000 $ 103,000 $ 123,000
Beaver, Pennsylvania 25 $ 5,185,000 $ 207,400 $ 11,000
Howard, Maryland 24 $ 4,780,000 $ 199,166 $ 193,000
Lincoln, North Carolina 24 $ 3,580,000 $ 149,166 $ 139,000
Clark, Ohio 24 $ 2,820,000 $ 117,500 $ 90,000
Knox, Ohio 24 $ 3,330,000 $ 138,750 $ 106,000
Marion, Ohio 24 $ 1,670,000 $ 69,583 $ 107,000
Morrow, Ohio 24 $ 2,250,000 $ 93,750 $ 111,000
Chesapeake, Virginia 24 $ 2,550,000 $ 106,250 $ 162,000
Coweta, Georgia 23 $ 2,465,000 $ 107,173 $ 136,000
Harford, Maryland 23 $ 1,995,000 $ 86,739 $ 184,000
Warren, New Jersey 23 $ 2,895,000 $ 125,869 $ 230,000
Wilson, Tennessee 23 $ 3,025,000 $ 131,521 $ 158,000
Spotsylvania, Virginia 23 $ 2,275,000 $ 98,913 $ 157,000
Thurston, Washington 23 $ 2,945,000 $ 128,043 $ 157,000
Paulding, Georgia 22 $ 2,710,000 $ 123,181 $ 275,000
Hillsborough, New Hampshire 22 $ 2,310,000 $ 105,000 $ 180,000
Onslow, North Carolina 22 $ 1,860,000 $ 84,545 $ 156,000
Rowan, North Carolina 22 $ 2,220,000 $ 100,909 $ 91,000
Miami, Ohio 22 $ 3,290,000 $ 149,545 $ 127,000
Monroe, Florida 21 $ 2,815,000 $ 134,047 $ 256,000
Dearborn, Indiana 21 $ 3,005,000 $ 143,095 $ 104,000
Columbia, Georgia 20 $ 3,110,000 $ 155,500 $ 189,000
Barnstable, Massachusetts 20 $ 2,440,000 $ 122,000 $ 147,000
Orange, New York 20 $ 2,570,000 $ 128,500 $ 185,000
Queens, New York 20 $ 2,510,000 $ 125,500 $ 165,000
Rockland, New York 20 $ 2,510,000 $ 125,500 $ 169,000
Nevada, California 19 $ 2,415,000 $ 127,105 $ 178,000
Broomfield, Colorado 19 $ 2,265,000 $ 119,210 $ 167,000
Moore, North Carolina 19 $ 2,225,000 $ 117,105 $ 157,000
Berks, Pennsylvania 19 $ 2,235,000 $ 117,631 $ 135,000
Sumner, Tennessee 19 $ 2,365,000 $ 124,473 $ 145,000
Richmond City, Virginia 19 $ 2,175,000 $ 114,473 $ 139,000
Benton, Washington 19 $ 2,425,000 $ 127,631 $ 171,000
Douglas, Georgia 18 $ 1,420,000 $ 78,888 $ 80,000
Jackson, Georgia 18 $ 2,030,000 $ 112,777 $ 121,000
Hendricks, Indiana 18 $ 2,280,000 $ 126,666 $ 147,000
Fayette, Kentucky 18 $ 3,230,000 $ 179,444 $ 148,000
Kings, New York 18 $ 2,580,000 $ 143,333 $ 155,000
Alamance, North Carolina 18 $ 1,850,000 $ 102,777 $ 108,000
Pitt, North Carolina 18 $ 1,790,000 $ 99,444 $ 134,000
Tuscarawas, Ohio 18 $ 2,350,000 $ 130,555 $ 113,000
Stafford, Virginia 18 $ 2,250,000 $ 125,000 $ 190,000
Shasta, California 17 $ 1,705,000 $ 100,294 $ 96,000
Tulare, California 17 $ 2,775,000 $ 163,235 $ 156,000
New Haven, Connecticut 17 $ 2,915,000 $ 171,470 $ 230,000
Allen, Indiana 17 $ 1,465,000 $ 86,176 $ 129,000
Carroll, Maryland 17 $ 2,275,000 $ 133,823 $ 149,000
Rockingham, New Hampshire 17 $ 2,135,000 $ 125,588 $ 206,000
Cumberland, North Carolina 17 $ 1,515,000 $ 89,117 $ 143,000
Haywood, North Carolina 17 $ 3,945,000 $ 232,058 $ 31,000
Columbiana, Ohio 17 $ 1,435,000 $ 84,411 $ 106,000
Huron, Ohio 17 $ 1,395,000 $ 82,058 $ 91,000
Luzerne, Pennsylvania 17 $ 1,435,000 $ 84,411 $ 126,000
Fauquier, Virginia 17 $ 1,985,000 $ 116,764 $ 180,000
Whatcom, Washington 17 $ 3,235,000 $ 190,294 $ 194,000
St. Clair, Illinois 16 $ 1,320,000 $ 82,500 $ 163,000
Dakota, Minnesota 16 $ 1,390,000 $ 86,875 $ 127,000
Ramsey, Minnesota 16 $ 1,300,000 $ 81,250 $ 154,000
Cape May, New Jersey 16 $ 2,680,000 $ 167,500 $ 164,000
Ashland, Ohio 16 $ 2,400,000 $ 150,000 $ 108,000
Erie, Pennsylvania 16 $ 2,510,000 $ 156,875 $ 47,000
Albemarle, Virginia 16 $ 2,450,000 $ 153,125 $ 151,000
Merced, California 15 $ 1,315,000 $ 87,666 $ 147,000
Kendall, Illinois 15 $ 2,165,000 $ 144,333 $ 164,000
Charles, Maryland 15 $ 1,385,000 $ 92,333 $ 142,000
Hampden, Massachusetts 15 $ 1,645,000 $ 109,666 $ 145,000
Erie, New York 15 $ 1,235,000 $ 82,333 $ 159,000
Carteret, North Carolina 15 $ 1,695,000 $ 113,000 $ 148,000
Catawba, North Carolina 15 $ 1,775,000 $ 118,333 $ 100,000
Mercer, Pennsylvania 15 $ 2,775,000 $ 185,000 $ 41,000
Monroe, Pennsylvania 15 $ 1,425,000 $ 95,000 $ 123,000
Skagit, Washington 15 $ 2,025,000 $ 135,000 $ 181,000
Highlands, Florida 14 $ 1,100,000 $ 78,571 $ 93,000
Rockdale, Georgia 14 $ 1,880,000 $ 134,285 $ 132,000
Baltimore City, Maryland 14 $ 2,170,000 $ 155,000 $ 161,000
Macomb, Michigan 14 $ 1,370,000 $ 97,857 $ 130,000
Washington, Minnesota 14 $ 1,480,000 $ 105,714 $ 177,000
Champaign, Ohio 14 $ 1,820,000 $ 130,000 $ 89,000
Carroll, Georgia 13 $ 1,305,000 $ 100,384 $ 118,000
Houston, Georgia 13 $ 1,585,000 $ 121,923 $ 81,000
Newton, Georgia 13 $ 1,285,000 $ 98,846 $ 137,000
Walton, Georgia 13 $ 1,435,000 $ 110,384 $ 157,000
Kent, Michigan 13 $ 1,645,000 $ 126,538 $ 139,000
Jackson, Oregon 13 $ 1,395,000 $ 107,307 $ 135,000
Cumberland, Pennsylvania 13 $ 2,155,000 $ 165,769 $ 104,000
Lawrence, Pennsylvania 13 $ 2,895,000 $ 222,692 $ 8,000
Alexandria, Virginia 13 $ 1,735,000 $ 133,461 $ 166,000
Yolo, California 12 $ 1,310,000 $ 109,166 $ 226,000
Eagle, Colorado 12 $ 1,730,000 $ 144,166 $ 134,000
Effingham, Georgia 12 $ 1,460,000 $ 121,666 $ 124,000
Oconee, Georgia 12 $ 1,690,000 $ 140,833 $ 160,000
Porter, Indiana 12 $ 1,150,000 $ 95,833 $ 121,000
Richmond, New York 12 $ 1,500,000 $ 125,000 $ 146,000
Franklin, North Carolina 12 $ 2,530,000 $ 210,833 $ 125,000
Watauga, North Carolina 12 $ 1,950,000 $ 162,500 $ 93,000
Dauphin, Pennsylvania 12 $ 1,670,000 $ 139,166 $ 81,000
Culpeper, Virginia 12 $ 1,060,000 $ 88,333 $ 115,000
Frederick, Virginia 12 $ 1,170,000 $ 97,500 $ 182,000
Butte, California 11 $ 1,115,000 $ 101,363 $ 179,000
Sutter, California 11 $ 915,000 $ 83,181 $ 122,000
Park, Colorado 11 $ 1,405,000 $ 127,727 $ 126,000
Teller, Colorado 11 $ 1,185,000 $ 107,727 $ 80,000
Putnam, Florida 11 $ 805,000 $ 73,181 $ 101,000
Catoosa, Georgia 11 $ 1,585,000 $ 144,090 $ 149,000
Lowndes, Georgia 11 $ 775,000 $ 70,454 $ 92,000
St. Joseph, Indiana 11 $ 975,000 $ 88,636 $ 140,000
Washtenaw, Michigan 11 $ 1,435,000 $ 130,454 $ 203,000
Anoka, Minnesota 11 $ 1,005,000 $ 91,363 $ 211,000
Carver, Minnesota 11 $ 1,205,000 $ 109,545 $ 235,000
Currituck, North Carolina 11 $ 1,425,000 $ 129,545 $ 120,000
Davidson, North Carolina 11 $ 1,685,000 $ 153,181 $ 156,000
Harnett, North Carolina 11 $ 755,000 $ 68,636 $ 107,000
Pender, North Carolina 11 $ 1,705,000 $ 155,000 $ 142,000
Muskingum, Ohio 11 $ 1,025,000 $ 93,181 $ 148,000
Montgomery, Tennessee 11 $ 1,085,000 $ 98,636 $ 122,000
Milwaukee, Wisconsin 11 $ 975,000 $ 88,636 $ 117,000
Mesa, Colorado 10 $ 960,000 $ 96,000 $ 158,000
Barrow, Georgia 10 $ 890,000 $ 89,000 $ 177,000
Champaign, Illinois 10 $ 1,210,000 $ 121,000 $ 171,000
Boone, Indiana 10 $ 2,030,000 $ 203,000 $ 164,000
Hancock, Indiana 10 $ 1,000,000 $ 100,000 $ 104,000
Johnson, Indiana 10 $ 1,050,000 $ 105,000 $ 124,000
Washington, Maryland 10 $ 1,050,000 $ 105,000 $ 120,000
Logan, Ohio 10 $ 2,160,000 $ 216,000 $ 149,000
Ross, Ohio 10 $ 1,050,000 $ 105,000 $ 104,000
Yamhill, Oregon 10 $ 1,070,000 $ 107,000 $ 148,000
Newport News, Virginia 10 $ 620,000 $ 62,000 $ 116,000
Madera, California 9 $ 1,325,000 $ 147,222 $ 190,000
Yuba, California 9 $ 525,000 $ 58,333 $ 121,000
Clayton, Georgia 9 $ 735,000 $ 81,666 $ 176,000
Floyd, Georgia 9 $ 625,000 $ 69,444 $ 126,000
Madison, Illinois 9 $ 855,000 $ 95,000 $ 163,000
Clay, Missouri 9 $ 1,385,000 $ 153,888 $ 143,000
Polk, North Carolina 9 $ 1,835,000 $ 203,888 $ 93,000
Randolph, North Carolina 9 $ 1,355,000 $ 150,555 $ 50,000
Athens, Ohio 9 $ 2,105,000 $ 233,888 $ 108,000
Hancock, Ohio 9 $ 1,425,000 $ 158,333 $ 125,000
Preble, Ohio 9 $ 745,000 $ 82,777 $ 130,000
Klamath, Oregon 9 $ 705,000 $ 78,333 $ 135,000
Lackawanna, Pennsylvania 9 $ 1,065,000 $ 118,333 $ 131,000
Goochland, Virginia 9 $ 905,000 $ 100,555 $ 207,000
James City, Virginia 9 $ 775,000 $ 86,111 $ 144,000
Island, Washington 9 $ 1,225,000 $ 136,111 $ 181,000
Yakima, Washington 9 $ 765,000 $ 85,000 $ 145,000
Garfield, Colorado 8 $ 1,130,000 $ 141,250 $ 213,000
Bryan, Georgia 8 $ 930,000 $ 116,250 $ 177,000
Madison, Indiana 8 $ 610,000 $ 76,250 $ 137,000
Calvert, Maryland 8 $ 860,000 $ 107,500 $ 150,000
Scott, Minnesota 8 $ 920,000 $ 115,000 $ 204,000
Sherburne, Minnesota 8 $ 730,000 $ 91,250 $ 123,000
Salem, New Jersey 8 $ 670,000 $ 83,750 $ 135,000
Caldwell, North Carolina 8 $ 1,260,000 $ 157,500 $ 100,000
Craven, North Carolina 8 $ 490,000 $ 61,250 $ 113,000
Granville, North Carolina 8 $ 550,000 $ 68,750 $ 90,000
Allen, Ohio 8 $ 860,000 $ 107,500 $ 86,000
Shelby, Ohio 8 $ 1,190,000 $ 148,750 $ 85,000
Blount, Tennessee 8 $ 1,350,000 $ 168,750 $ 122,000
Washington, Tennessee 8 $ 900,000 $ 112,500 $ 121,000
Suffolk, Virginia 8 $ 730,000 $ 91,250 $ 197,000
Waukesha, Wisconsin 8 $ 580,000 $ 72,500 $ 180,000
Humboldt, California 7 $ 395,000 $ 56,428 $ 102,000
Lake, California 7 $ 1,035,000 $ 147,857 $ 206,000
San Benito, California 7 $ 585,000 $ 83,571 $ 145,000
Siskiyou, California 7 $ 555,000 $ 79,285 $ 100,000
La Plata, Colorado 7 $ 1,065,000 $ 152,142 $ 1,424,000
Clarke, Georgia 7 $ 965,000 $ 137,857 $ 134,000
Pickens, Georgia 7 $ 685,000 $ 97,857 $ 209,000
Richmond, Georgia 7 $ 555,000 $ 79,285 $ 76,000
Sangamon, Illinois 7 $ 655,000 $ 93,571 $ 189,000
Clark, Indiana 7 $ 735,000 $ 105,000 $ 165,000
LaPorte, Indiana 7 $ 905,000 $ 129,285 $ 108,000
Queen Anne's, Maryland 7 $ 715,000 $ 102,142 $ 174,000
Hampshire, Massachusetts 7 $ 745,000 $ 106,428 $ 165,000
Wright, Minnesota 7 $ 555,000 $ 79,285 $ 144,000
Christian, Missouri 7 $ 805,000 $ 115,000 $ 131,000
Greene, Missouri 7 $ 1,175,000 $ 167,857 $ 160,000
Davie, North Carolina 7 $ 545,000 $ 77,857 $ 150,000
Macon, North Carolina 7 $ 1,045,000 $ 149,285 $ 97,000
Brown, Ohio 7 $ 865,000 $ 123,571 $ 100,000
Carroll, Ohio 7 $ 485,000 $ 69,285 $ 146,000
Clinton, Ohio 7 $ 1,145,000 $ 163,571 $ 82,000
Bradley, Tennessee 7 $ 965,000 $ 137,857 $ 103,000
Lynchburg, Virginia 7 $ 815,000 $ 116,428 $ 90,000
Warren, Virginia 7 $ 795,000 $ 113,571 $ 148,000
York, Virginia 7 $ 1,365,000 $ 195,000 $ 149,000
Chelan, Washington 7 $ 1,305,000 $ 186,428 $ 333,000
Tolland, Connecticut 6 $ 850,000 $ 141,666 $ 189,000
Baldwin, Georgia 6 $ 360,000 $ 60,000 $ 121,000
Bartow, Georgia 6 $ 800,000 $ 133,333 $ 185,000
Glynn, Georgia 6 $ 1,330,000 $ 221,666 $ 176,000
Morgan, Georgia 6 $ 600,000 $ 100,000 $ 128,000
Bartholomew, Indiana 6 $ 1,650,000 $ 275,000 $ 166,000
Kosciusko, Indiana 6 $ 450,000 $ 75,000 $ 85,000
Putnam, Indiana 6 $ 540,000 $ 90,000 $ 127,000
Scott, Kentucky 6 $ 740,000 $ 123,333 $ 147,000
Worcester, Maryland 6 $ 830,000 $ 138,333 $ 118,000
Grand Traverse, Michigan 6 $ 660,000 $ 110,000 $ 68,000
Jackson, Michigan 6 $ 460,000 $ 76,666 $ 85,000
Jefferson, Missouri 6 $ 830,000 $ 138,333 $ 143,000
Platte, Missouri 6 $ 700,000 $ 116,666 $ 194,000
Cumberland, New Jersey 6 $ 350,000 $ 58,333 $ 71,000
Monroe, New York 6 $ 840,000 $ 140,000 $ 152,000
Cherokee, North Carolina 6 $ 1,370,000 $ 228,333 $ 96,000
Lee, North Carolina 6 $ 450,000 $ 75,000 $ 205,000
Rockingham, North Carolina 6 $ 650,000 $ 108,333 $ 92,000
Adams, Ohio 6 $ 500,000 $ 83,333 $ 105,000
Crawford, Ohio 6 $ 930,000 $ 155,000 $ 85,000
Fulton, Ohio 6 $ 710,000 $ 118,333 $ 99,000
Holmes, Ohio 6 $ 860,000 $ 143,333 $ 186,000
Washington, Ohio 6 $ 650,000 $ 108,333 $ 109,000
Franklin, Pennsylvania 6 $ 570,000 $ 95,000 $ 94,000
Pike, Pennsylvania 6 $ 970,000 $ 161,666 $ 193,000
Dickson, Tennessee 6 $ 530,000 $ 88,333 $ 108,000
Loudon, Tennessee 6 $ 720,000 $ 120,000 $ 116,000
Maury, Tennessee 6 $ 750,000 $ 125,000 $ 76,000
Robertson, Tennessee 6 $ 630,000 $ 105,000 $ 136,000
Sullivan, Tennessee 6 $ 580,000 $ 96,666 $ 135,000
Bedford, Virginia 6 $ 730,000 $ 121,666 $ 92,000
Portsmouth, Virginia 6 $ 420,000 $ 70,000 $ 63,000
Roanoke, Virginia 6 $ 410,000 $ 68,333 $ 103,000
Clallam, Washington 6 $ 1,120,000 $ 186,666 $ 158,000
Lewis, Washington 6 $ 710,000 $ 118,333 $ 106,000
Calaveras, California 5 $ 575,000 $ 115,000 $ 119,000
Imperial, California 5 $ 395,000 $ 79,000 $ 120,000
Inyo, California 5 $ 405,000 $ 81,000 $ 124,000
Kings, California 5 $ 335,000 $ 67,000 $ 112,000
Tehama, California 5 $ 395,000 $ 79,000 $ 137,000
Tuolumne, California 5 $ 535,000 $ 107,000 $ 131,000
Summit, Colorado 5 $ 685,000 $ 137,000 $ 180,000
Litchfield, Connecticut 5 $ 405,000 $ 81,000 $ 208,000
Bradford, Florida 5 $ 335,000 $ 67,000 $ 93,000
Gulf, Florida 5 $ 735,000 $ 147,000 $ 121,000
Jackson, Florida 5 $ 715,000 $ 143,000 $ 145,000
Levy, Florida 5 $ 625,000 $ 125,000 $ 100,000
Dawson, Georgia 5 $ 425,000 $ 85,000 $ 156,000
Gilmer, Georgia 5 $ 755,000 $ 151,000 $ 99,000
Gordon, Georgia 5 $ 515,000 $ 103,000 $ 119,000
Jasper, Georgia 5 $ 415,000 $ 83,000 $ 154,000
Muscogee, Georgia 5 $ 285,000 $ 57,000 $ 151,000
Boone, Illinois 5 $ 385,000 $ 77,000 $ 127,000
Polk, Iowa 5 $ 615,000 $ 123,000 $ 228,000
Shelby, Kentucky 5 $ 675,000 $ 135,000 $ 166,000
St. Mary's, Maryland 5 $ 605,000 $ 121,000 $ 142,000
Talbot, Maryland 5 $ 315,000 $ 63,000 $ 208,000
Berkshire, Massachusetts 5 $ 605,000 $ 121,000 $ 117,000
Boone, Missouri 5 $ 555,000 $ 111,000 $ 145,000
Cass, Missouri 5 $ 415,000 $ 83,000 $ 106,000
Newton, Missouri 5 $ 525,000 $ 105,000 $ 334,000
St. Louis City, Missouri 5 $ 1,055,000 $ 211,000 $ 275,000
Strafford, New Hampshire 5 $ 615,000 $ 123,000 $ 215,000
New York, New York 5 $ 945,000 $ 189,000 $ 292,000
Alexander, North Carolina 5 $ 605,000 $ 121,000 $ 101,000
Beaufort, North Carolina 5 $ 595,000 $ 119,000 $ 85,000
Burke, North Carolina 5 $ 695,000 $ 139,000 $ 109,000
Stokes, North Carolina 5 $ 665,000 $ 133,000 $ 114,000
Wayne, North Carolina 5 $ 555,000 $ 111,000 $ 85,000
Wilkes, North Carolina 5 $ 515,000 $ 103,000 $ 100,000
Fayette, Ohio 5 $ 595,000 $ 119,000 $ 67,000
Henry, Ohio 5 $ 595,000 $ 119,000 $ 65,000
Hocking, Ohio 5 $ 445,000 $ 89,000 $ 69,000
Jefferson, Ohio 5 $ 435,000 $ 87,000 $ 59,000
Meigs, Ohio 5 $ 705,000 $ 141,000 $ 98,000
Perry, Ohio 5 $ 735,000 $ 147,000 $ 32,000
Sandusky, Ohio 5 $ 315,000 $ 63,000 $ 77,000
Linn, Oregon 5 $ 385,000 $ 77,000 $ 89,000
Centre, Pennsylvania 5 $ 575,000 $ 115,000 $ 183,000
Hampton, Virginia 5 $ 415,000 $ 83,000 $ 174,000
Orange, Virginia 5 $ 805,000 $ 161,000 $ 118,000
Pittsylvania, Virginia 5 $ 695,000 $ 139,000 $ 89,000
Rappahannock, Virginia 5 $ 505,000 $ 101,000 $ 141,000
Waynesboro, Virginia 5 $ 525,000 $ 105,000 $ 194,000
Grays Harbor, Washington 5 $ 585,000 $ 117,000 $ 130,000
Dane, Wisconsin 5 $ 385,000 $ 77,000 $ 205,000
Elbert, Colorado 4 $ 660,000 $ 165,000 $ 268,000
Pueblo, Colorado 4 $ 290,000 $ 72,500 $ 61,000
Routt, Colorado 4 $ 410,000 $ 102,500 $ 157,000
New London, Connecticut 4 $ 670,000 $ 167,500 $ 103,000
Columbia, Florida 4 $ 330,000 $ 82,500 $ 125,000
Gadsden, Florida 4 $ 450,000 $ 112,500 $ 80,000
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Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2023

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 15,898 $1,522,250,000 $95,000 $2,005,000 $151,000 $8,361,000
Home Improvement 12,927 $1,146,885,000 $88,000 $655,000 $156,000 $6,668,000
Home Purchase 12,695 $3,717,795,000 $292,000 $1,605,000 $126,000 $8,769,000
Refinancing 6,414 $900,050,000 $140,000 $925,000 $169,000 $2,652,000
Cash-out Refinancing 741 $200,625,000 $270,000 $1,605,000 $145,000 $1,920,000
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 32,038 $4,691,850,000 $146,000 $2,005,000 $150,000 $8,769,000
Not Provided 5,870 $955,500,000 $162,000 $1,005,000 $172,000 $6,125,000
Hispanic 3,355 $406,225,000 $121,000 $1,005,000 $135,000 $6,668,000
Black or African American 2,664 $282,780,000 $106,000 $845,000 $107,000 $4,370,000
Asian 2,376 $546,650,000 $230,000 $1,005,000 $180,000 $4,114,000
Not applicable 1,012 $311,360,000 $307,000 $725,000 $0 $55,000
American Indian or Alaskan Native 218 $25,000,000 $114,000 $665,000 $126,000 $660,000
Native Hawaiian or Other Pacific Islander 49 $6,005,000 $122,000 $415,000 $158,000 $1,565,000

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) 48,675 $7,487,605,000 $153,000 $2,005,000 $148,000 $8,769,000
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 21,549 $3,102,315,000 $143,000 $1,605,000 $170,000 $2,213,000
Application Denied By Financial Institution 14,976 $1,615,950,000 $107,000 $2,005,000 $130,000 $6,476,000
Preapproval Approved but not Accepted 3,311 $940,485,000 $284,000 $1,185,000 $128,000 $1,530,000
Application Withdrawn By Applicant 2,700 $457,560,000 $169,000 $1,115,000 $174,000 $6,668,000
Preapproval Denied by Financial Institution 2,435 $675,475,000 $277,000 $1,475,000 $97,000 $8,769,000
File Closed For Incompleteness 1,627 $210,445,000 $129,000 $1,005,000 $187,000 $8,361,000
Application Approved But Not Accepted 1,059 $173,185,000 $163,000 $1,605,000 $164,000 $1,164,000
Loan Purchased By The Institution 1,018 $312,190,000 $306,000 $725,000 $0 $55,000

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 31,264 $5,196,180,000 $166,000 $1,605,000 $161,000 $8,361,000
Debt-To-Income Ratio 12,545 $1,759,865,000 $140,000 $2,005,000 $98,000 $8,769,000
Credit History 3,366 $328,400,000 $97,000 $805,000 $191,000 $6,476,000
Collateral 883 $103,135,000 $116,000 $805,000 $238,000 $4,513,000
Credit Application Incomplete 274 $44,940,000 $164,000 $935,000 $172,000 $2,367,000
Other 259 $38,235,000 $147,000 $905,000 $161,000 $1,223,000
Insufficient Cash (Downpayment, Closing Cost) 51 $10,365,000 $203,000 $595,000 $105,000 $828,000
Unverifiable Information 17 $2,805,000 $165,000 $445,000 $107,000 $354,000
Mortgage Insurance Denied 12 $3,490,000 $290,000 $555,000 $117,000 $183,000
Employment History 4 $190,000 $47,000 $105,000 $104,000 $162,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2023 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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