Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2025
In 2025, Third Federal Savings and Loan of Cleveland, OH reported 45,390 mortgage applications totaling $7.9 billion, down 7% from 2024. The average application was for $173,666, and applicants reported an average income of $165,683. 47% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Cleveland, OH (6,636), Columbus, OH (2,258) and Cincinnati, OH-KY-IN (1,929) (applications in parentheses).
| Mortgage Company & Address | Third Federal Savings and Loan 7007 Broadway Avenue Cleveland, OH 44105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 45,390 |
| Total Mortgage Loan Application Amount | $7,882,720,000 |
| Average Mortgage Loan Application Amount | $173,666 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $165,683 |
| Highest Applicant Income | $9,360,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cleveland, OH | 6,636 | $ 967,790,000 | $ 145,839 | $ 134,000 |
| Outside any metro area | 6,105 | $ 1,603,255,000 | $ 262,613 | $ 126,765 |
| Columbus, OH | 2,258 | $ 387,470,000 | $ 171,598 | $ 168,000 |
| Cincinnati, OH-KY-IN | 1,929 | $ 318,735,000 | $ 165,233 | $ 155,726 |
| Akron, OH | 1,572 | $ 233,610,000 | $ 148,606 | $ 131,000 |
| Tampa, FL | 1,301 | $ 157,675,000 | $ 121,195 | $ 133,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1,200 | $ 170,110,000 | $ 141,758 | $ 163,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,039 | $ 144,585,000 | $ 139,157 | $ 141,000 |
| Los Angeles-Long Beach-Glendale, CA | 955 | $ 184,585,000 | $ 193,282 | $ 221,000 |
| Atlanta-Sandy Springs-Roswell, GA | 863 | $ 142,275,000 | $ 164,860 | $ 211,000 |
| St. Petersburg-Clearwater-Largo, FL | 713 | $ 105,595,000 | $ 148,099 | $ 140,000 |
| North Port-Sarasota-Bradenton, FL | 710 | $ 109,650,000 | $ 154,436 | $ 140,000 |
| Chicago-Naperville, IL | 709 | $ 102,915,000 | $ 145,155 | $ 222,000 |
| Charlotte-Concord-Gastonia, NC-SC | 669 | $ 150,615,000 | $ 225,134 | $ 203,479 |
| Orlando-Kissimmee-Sanford, FL | 598 | $ 93,720,000 | $ 156,722 | $ 165,000 |
| Riverside-San Bernardino-Ontario, CA | 587 | $ 88,345,000 | $ 150,502 | $ 164,000 |
| Arlington-Alexandria-Reston, VA-WV | 585 | $ 105,195,000 | $ 179,820 | $ 232,000 |
| Cape Coral-Fort Myers, FL | 553 | $ 72,615,000 | $ 131,311 | $ 127,000 |
| New York-Jersey City-White Plains, NY-NJ | 537 | $ 103,655,000 | $ 193,026 | $ 241,910 |
| Lakewood-New Brunswick, NJ | 531 | $ 100,365,000 | $ 189,011 | $ 242,000 |
| Anaheim-Santa Ana-Irvine, CA | 517 | $ 103,555,000 | $ 200,299 | $ 234,000 |
| San Diego-Carlsbad, CA | 491 | $ 94,535,000 | $ 192,535 | $ 238,000 |
| Denver-Aurora-Lakewood, CO | 434 | $ 72,860,000 | $ 167,880 | $ 229,000 |
| Oakland-Hayward-Berkeley, CA | 427 | $ 83,785,000 | $ 196,217 | $ 238,000 |
| Phoenix-Mesa-Scottsdale, AZ | 397 | $ 52,275,000 | $ 131,675 | $ 172,000 |
| Miami-Miami Beach-Kendall, FL | 382 | $ 69,100,000 | $ 180,890 | $ 186,000 |
| Naples-Immokalee-Marco Island, FL | 371 | $ 68,215,000 | $ 183,867 | $ 158,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 349 | $ 51,085,000 | $ 146,375 | $ 198,000 |
| Pittsburgh, PA | 345 | $ 109,275,000 | $ 316,739 | $ 184,000 |
| Newark, NJ-PA | 343 | $ 59,665,000 | $ 173,950 | $ 229,000 |
| Montgomery County-Bucks County-Chester County, PA | 327 | $ 56,115,000 | $ 171,605 | $ 234,000 |
| Jacksonville, FL | 318 | $ 48,570,000 | $ 152,735 | $ 184,000 |
| Marietta, GA | 308 | $ 45,480,000 | $ 147,662 | $ 210,000 |
| Raleigh, NC | 275 | $ 58,885,000 | $ 214,127 | $ 203,000 |
| Seattle-Bellevue-Everett, WA | 274 | $ 58,060,000 | $ 211,897 | $ 248,000 |
| Indianapolis-Carmel-Anderson, IN | 245 | $ 47,755,000 | $ 194,918 | $ 175,000 |
| Baltimore-Columbia-Towson, MD | 229 | $ 33,525,000 | $ 146,397 | $ 195,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 229 | $ 42,605,000 | $ 186,048 | $ 181,000 |
| Port St. Lucie, FL | 228 | $ 35,070,000 | $ 153,815 | $ 146,000 |
| Nassau County-Suffolk County, NY | 211 | $ 36,705,000 | $ 173,957 | $ 241,000 |
| Canton-Massillon, OH | 210 | $ 28,310,000 | $ 134,809 | $ 138,000 |
| Warren-Troy-Farmington Hills, MI | 203 | $ 25,165,000 | $ 123,965 | $ 161,000 |
| Washington-Baltimore-Arlington, DC | 201 | $ 35,005,000 | $ 174,154 | $ 233,000 |
| Cambridge-Newton-Framingham, MA | 197 | $ 39,905,000 | $ 202,563 | $ 247,000 |
| Camden, NJ | 192 | $ 32,040,000 | $ 166,875 | $ 182,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 187 | $ 33,385,000 | $ 178,529 | $ 216,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 186 | $ 28,410,000 | $ 152,741 | $ 188,440 |
| St. Louis, MO-IL | 179 | $ 22,335,000 | $ 124,776 | $ 190,000 |
| Dayton-Springfield-Kettering, OH | 174 | $ 21,480,000 | $ 123,448 | $ 141,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 155 | $ 34,855,000 | $ 224,870 | $ 266,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 148 | $ 22,890,000 | $ 154,662 | $ 194,905 |
| Deltona-Daytona Beach-Ormond Beach, FL | 136 | $ 17,240,000 | $ 126,764 | $ 137,000 |
| Everett, WA | 136 | $ 26,360,000 | $ 193,823 | $ 196,000 |
| Boston, MA | 135 | $ 24,125,000 | $ 178,703 | $ 257,000 |
| Richmond, VA | 134 | $ 18,350,000 | $ 136,940 | $ 191,000 |
| Palm Bay-Melbourne-Titusville, FL | 130 | $ 19,420,000 | $ 149,384 | $ 171,000 |
| Washington, DC-MD | 124 | $ 19,180,000 | $ 154,677 | $ 211,451 |
| Bridgeport-Stamford-Norwalk, CT | 117 | $ 20,355,000 | $ 173,974 | $ 259,000 |
| Asheville, NC | 115 | $ 33,655,000 | $ 292,652 | $ 160,000 |
| San Francisco-Redwood City-South San Francisco, CA | 115 | $ 25,495,000 | $ 221,695 | $ 315,000 |
| Punta Gorda, FL | 110 | $ 14,400,000 | $ 130,909 | $ 112,000 |
| Lakeland-Winter Haven, FL | 109 | $ 13,635,000 | $ 125,091 | $ 115,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 104 | $ 13,140,000 | $ 126,346 | $ 161,259 |
| Lake County-Kenosha County, IL-WI | 103 | $ 16,765,000 | $ 162,766 | $ 209,000 |
| Philadelphia, PA | 97 | $ 15,525,000 | $ 160,051 | $ 176,000 |
| Youngstown-Warren-Boardman, OH-PA | 94 | $ 12,630,000 | $ 134,361 | $ 117,000 |
| Elgin, IL | 92 | $ 12,120,000 | $ 131,739 | $ 182,000 |
| Charleston-North Charleston, SC | 89 | $ 14,265,000 | $ 160,280 | $ 182,000 |
| Durham-Chapel Hill, NC | 86 | $ 17,340,000 | $ 201,627 | $ 195,000 |
| Greenville-Anderson-Mauldin, SC | 86 | $ 11,680,000 | $ 135,813 | $ 127,000 |
| Kansas City, MO-KS | 82 | $ 8,600,000 | $ 104,878 | $ 186,170 |
| Toledo, OH | 79 | $ 10,515,000 | $ 133,101 | $ 123,000 |
| Greensboro-High Point, NC | 76 | $ 11,240,000 | $ 147,894 | $ 126,000 |
| Hartford-West Hartford-East Hartford, CT | 75 | $ 11,245,000 | $ 149,933 | $ 168,000 |
| Tacoma-Lakewood, WA | 74 | $ 11,910,000 | $ 160,945 | $ 169,000 |
| Knoxville, TN | 72 | $ 10,420,000 | $ 144,722 | $ 174,000 |
| Stockton-Lodi, CA | 72 | $ 10,360,000 | $ 143,888 | $ 169,000 |
| Wilmington, NC | 72 | $ 11,000,000 | $ 152,777 | $ 149,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 67 | $ 8,365,000 | $ 124,850 | $ 128,671 |
| Sandusky, OH | 63 | $ 13,945,000 | $ 221,349 | $ 158,000 |
| San Rafael, CA | 62 | $ 12,530,000 | $ 202,096 | $ 276,000 |
| Santa Rosa, CA | 62 | $ 10,600,000 | $ 170,967 | $ 234,000 |
| Tucson, AZ | 62 | $ 6,900,000 | $ 111,290 | $ 123,000 |
| Fresno, CA | 61 | $ 7,385,000 | $ 121,065 | $ 175,000 |
| Santa Maria-Santa Barbara, CA | 60 | $ 12,520,000 | $ 208,666 | $ 228,000 |
| Colorado Springs, CO | 59 | $ 8,025,000 | $ 136,016 | $ 153,000 |
| Ocala, FL | 59 | $ 8,115,000 | $ 137,542 | $ 80,000 |
| Winston-Salem, NC | 58 | $ 9,740,000 | $ 167,931 | $ 143,000 |
| Detroit-Dearborn-Livonia, MI | 57 | $ 5,885,000 | $ 103,245 | $ 194,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 57 | $ 10,615,000 | $ 186,228 | $ 175,000 |
| Bakersfield, CA | 55 | $ 6,105,000 | $ 111,000 | $ 142,000 |
| Grand Rapids-Wyoming, MI | 55 | $ 7,615,000 | $ 138,454 | $ 132,000 |
| Louisville/Jefferson County, KY-IN | 55 | $ 6,425,000 | $ 116,818 | $ 147,436 |
| Trenton, NJ | 55 | $ 10,835,000 | $ 197,000 | $ 189,000 |
| Pensacola-Ferry Pass-Brent, FL | 54 | $ 8,590,000 | $ 159,074 | $ 150,000 |
| Savannah, GA | 54 | $ 6,580,000 | $ 121,851 | $ 165,000 |
| Boulder, CO | 53 | $ 10,065,000 | $ 189,905 | $ 251,000 |
| Fort Collins, CO | 53 | $ 8,955,000 | $ 168,962 | $ 177,000 |
| Santa Cruz-Watsonville, CA | 52 | $ 10,520,000 | $ 202,307 | $ 232,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 51 | $ 6,365,000 | $ 124,803 | $ 179,000 |
| Memphis, TN-MS-AR | 50 | $ 6,860,000 | $ 137,200 | $ 216,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 50 | $ 6,420,000 | $ 128,400 | $ 133,000 |
| Chattanooga, TN-GA | 49 | $ 6,815,000 | $ 139,081 | $ 144,285 |
| Wildwood-The Villages, FL | 49 | $ 10,195,000 | $ 208,061 | $ 161,000 |
| Columbia, SC | 48 | $ 5,090,000 | $ 106,041 | $ 147,000 |
| Lake County-Porter County-Jasper County, IN | 48 | $ 5,690,000 | $ 118,541 | $ 162,000 |
| Rockingham County-Strafford County, NH | 48 | $ 7,970,000 | $ 166,041 | $ 202,000 |
| Greeley, CO | 47 | $ 7,435,000 | $ 158,191 | $ 188,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 44 | $ 7,360,000 | $ 167,272 | $ 270,000 |
| Atlantic City-Hammonton, NJ | 42 | $ 6,190,000 | $ 147,380 | $ 176,000 |
| Modesto, CA | 42 | $ 5,310,000 | $ 126,428 | $ 222,000 |
| Manchester-Nashua, NH | 40 | $ 6,430,000 | $ 160,750 | $ 186,000 |
| Sebastian-Vero Beach, FL | 40 | $ 5,980,000 | $ 149,500 | $ 136,000 |
| Worcester, MA-CT | 38 | $ 5,490,000 | $ 144,473 | $ 178,000 |
| Augusta-Richmond County, GA-SC | 37 | $ 3,905,000 | $ 105,540 | $ 165,891 |
| Salinas, CA | 37 | $ 6,375,000 | $ 172,297 | $ 201,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 34 | $ 6,150,000 | $ 180,882 | $ 181,000 |
| New Haven-Milford, CT | 34 | $ 5,610,000 | $ 165,000 | $ 191,000 |
| Vallejo-Fairfield, CA | 34 | $ 4,700,000 | $ 138,235 | $ 151,000 |
| Ann Arbor, MI | 33 | $ 6,125,000 | $ 185,606 | $ 205,000 |
| Homosassa Springs, FL | 33 | $ 3,565,000 | $ 108,030 | $ 119,000 |
| Lancaster, PA | 33 | $ 5,515,000 | $ 167,121 | $ 159,000 |
| Harrisburg-Carlisle, PA | 32 | $ 7,530,000 | $ 235,312 | $ 141,000 |
| Waterbury-Shelton, CT | 32 | $ 4,590,000 | $ 143,437 | $ 188,000 |
| Rochester, NY | 31 | $ 4,055,000 | $ 130,806 | $ 126,000 |
| Spartanburg, SC | 31 | $ 3,295,000 | $ 106,290 | $ 92,000 |
| Spokane-Spokane Valley, WA | 30 | $ 5,610,000 | $ 187,000 | $ 164,000 |
| Tallahassee, FL | 30 | $ 2,470,000 | $ 82,333 | $ 140,000 |
| Athens-Clarke County, GA | 29 | $ 4,255,000 | $ 146,724 | $ 149,000 |
| Bellingham, WA | 28 | $ 5,190,000 | $ 185,357 | $ 163,000 |
| Crestview-Fort Walton Beach-Destin, FL | 28 | $ 5,200,000 | $ 185,714 | $ 211,000 |
| Gainesville, FL | 27 | $ 3,565,000 | $ 132,037 | $ 180,000 |
| Hickory-Lenoir-Morganton, NC | 27 | $ 5,115,000 | $ 189,444 | $ 127,000 |
| Lexington Park, MD | 26 | $ 3,560,000 | $ 136,923 | $ 196,000 |
| Mansfield, OH | 26 | $ 2,600,000 | $ 100,000 | $ 104,000 |
| Grand Junction, CO | 24 | $ 2,620,000 | $ 109,166 | $ 127,000 |
| Olympia-Tumwater, WA | 24 | $ 3,350,000 | $ 139,583 | $ 193,000 |
| Providence-Warwick, RI-MA | 23 | $ 4,135,000 | $ 179,782 | $ 208,000 |
| Bremerton-Silverdale, WA | 22 | $ 3,540,000 | $ 160,909 | $ 187,000 |
| Lynchburg, VA | 22 | $ 2,190,000 | $ 99,545 | $ 134,000 |
| Charlottesville, VA | 21 | $ 3,795,000 | $ 180,714 | $ 172,000 |
| Merced, CA | 21 | $ 2,515,000 | $ 119,761 | $ 144,000 |
| Napa, CA | 21 | $ 3,945,000 | $ 187,857 | $ 227,000 |
| Reading, PA | 21 | $ 2,685,000 | $ 127,857 | $ 176,000 |
| Albany-Schenectady-Troy, NY | 20 | $ 2,280,000 | $ 114,000 | $ 158,000 |
| Barnstable Town, MA | 20 | $ 3,390,000 | $ 169,500 | $ 176,000 |
| Burlington, NC | 20 | $ 3,480,000 | $ 174,000 | $ 144,000 |
| Wilmington, DE-MD-NJ | 20 | $ 1,960,000 | $ 98,000 | $ 134,600 |
| Fort Wayne, IN | 19 | $ 1,705,000 | $ 89,736 | $ 124,000 |
| Panama City, FL | 19 | $ 2,735,000 | $ 143,947 | $ 130,000 |
| Prescott Valley-Prescott, AZ | 19 | $ 2,295,000 | $ 120,789 | $ 113,000 |
| Springfield, OH | 19 | $ 2,465,000 | $ 129,736 | $ 148,000 |
| York-Hanover, PA | 19 | $ 3,735,000 | $ 196,578 | $ 124,000 |
| Kennewick-Richland, WA | 18 | $ 2,170,000 | $ 120,555 | $ 166,000 |
| Springfield, MO | 18 | $ 3,120,000 | $ 173,333 | $ 129,000 |
| Wenatchee, WA | 18 | $ 3,690,000 | $ 205,000 | $ 182,000 |
| Champaign-Urbana, IL | 17 | $ 1,685,000 | $ 99,117 | $ 185,000 |
| Flint, MI | 17 | $ 1,565,000 | $ 92,058 | $ 159,000 |
| Gainesville, GA | 17 | $ 2,445,000 | $ 143,823 | $ 147,000 |
| Greenville, NC | 17 | $ 2,205,000 | $ 129,705 | $ 116,000 |
| Lexington-Fayette, KY | 17 | $ 3,045,000 | $ 179,117 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 2,415,000 | $ 142,058 | $ 166,000 |
| Roanoke, VA | 17 | $ 1,685,000 | $ 99,117 | $ 156,000 |
| Bend-Redmond, OR | 16 | $ 2,930,000 | $ 183,125 | $ 202,000 |
| Peoria, IL | 16 | $ 1,390,000 | $ 86,875 | $ 321,000 |
| Redding, CA | 16 | $ 2,110,000 | $ 131,875 | $ 218,000 |
| South Bend-Mishawaka, IN-MI | 16 | $ 2,060,000 | $ 128,750 | $ 124,812 |
| Salem, OR | 15 | $ 2,425,000 | $ 161,666 | $ 147,000 |
| Warner Robins, GA | 15 | $ 1,645,000 | $ 109,666 | $ 152,000 |
| Erie, PA | 14 | $ 3,250,000 | $ 232,142 | $ 108,000 |
| Eugene, OR | 14 | $ 2,200,000 | $ 157,142 | $ 191,000 |
| Yuba City, CA | 14 | $ 1,380,000 | $ 98,571 | $ 144,000 |
| Fayetteville, NC | 13 | $ 1,085,000 | $ 83,461 | $ 111,000 |
| Pinehurst-Southern Pines, NC | 13 | $ 2,065,000 | $ 158,846 | $ 170,000 |
| Chico, CA | 12 | $ 1,470,000 | $ 122,500 | $ 213,000 |
| Rockford, IL | 12 | $ 770,000 | $ 64,166 | $ 109,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 12 | $ 1,160,000 | $ 96,666 | $ 238,000 |
| Albany, OR | 11 | $ 1,075,000 | $ 97,727 | $ 86,000 |
| Lafayette-West Lafayette, IN | 11 | $ 1,255,000 | $ 114,090 | $ 151,000 |
| Lake Havasu City-Kingman, AZ | 11 | $ 1,415,000 | $ 128,636 | $ 140,000 |
| Medford, OR | 11 | $ 1,285,000 | $ 116,818 | $ 171,000 |
| Monroe, MI | 11 | $ 1,275,000 | $ 115,909 | $ 233,000 |
| Mount Vernon-Anacortes, WA | 11 | $ 1,065,000 | $ 96,818 | $ 119,000 |
| Sebring, FL | 11 | $ 1,385,000 | $ 125,909 | $ 143,000 |
| Visalia-Porterville, CA | 11 | $ 985,000 | $ 89,545 | $ 137,000 |
| Yakima, WA | 11 | $ 1,265,000 | $ 115,000 | $ 162,000 |
| Elkhart-Goshen, IN | 10 | $ 1,350,000 | $ 135,000 | $ 136,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 1,210,000 | $ 121,000 | $ 153,000 |
| Kalamazoo-Portage, MI | 10 | $ 1,570,000 | $ 157,000 | $ 140,000 |
| Kingston, NY | 10 | $ 1,110,000 | $ 111,000 | $ 99,000 |
| Lima, OH | 10 | $ 980,000 | $ 98,000 | $ 139,000 |
| Yuma, AZ | 10 | $ 760,000 | $ 76,000 | $ 129,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 995,000 | $ 110,555 | $ 115,000 |
| Clarksville, TN-KY | 9 | $ 695,000 | $ 77,222 | $ 155,000 |
| Cleveland, TN | 9 | $ 1,295,000 | $ 143,888 | $ 127,000 |
| Columbia, MO | 9 | $ 1,035,000 | $ 115,000 | $ 107,000 |
| Columbus, GA-AL | 9 | $ 705,000 | $ 78,333 | $ 92,000 |
| Corvallis, OR | 9 | $ 1,455,000 | $ 161,666 | $ 114,000 |
| Jefferson City, MO | 9 | $ 665,000 | $ 73,888 | $ 93,000 |
| Kingsport-Bristol-Bristol, TN-VA | 9 | $ 1,315,000 | $ 146,111 | $ 141,111 |
| Macon-Bibb County, GA | 9 | $ 735,000 | $ 81,666 | $ 128,000 |
| Rocky Mount, NC | 9 | $ 1,065,000 | $ 118,333 | $ 117,000 |
| Winchester, VA-WV | 9 | $ 845,000 | $ 93,888 | $ 167,000 |
| Brunswick, GA | 8 | $ 820,000 | $ 102,500 | $ 83,000 |
| Lansing-East Lansing, MI | 8 | $ 860,000 | $ 107,500 | $ 122,000 |
| Muncie, IN | 8 | $ 700,000 | $ 87,500 | $ 211,000 |
| Syracuse, NY | 8 | $ 660,000 | $ 82,500 | $ 426,000 |
| Traverse City, MI | 8 | $ 1,350,000 | $ 168,750 | $ 185,000 |
| Amherst Town-Northampton, MA | 7 | $ 1,395,000 | $ 199,285 | $ 239,000 |
| Bloomington, IN | 7 | $ 575,000 | $ 82,142 | $ 88,000 |
| Johnson City, TN | 7 | $ 1,135,000 | $ 162,142 | $ 172,000 |
| Michigan City-La Porte, IN | 7 | $ 805,000 | $ 115,000 | $ 141,000 |
| Niles-Benton Harbor, MI | 7 | $ 845,000 | $ 120,714 | $ 237,000 |
| Rome, GA | 7 | $ 655,000 | $ 93,571 | $ 115,000 |
| St. Joseph, MO-KS | 7 | $ 845,000 | $ 120,714 | $ 128,000 |
| Terre Haute, IN | 7 | $ 785,000 | $ 112,142 | $ 83,000 |
| Binghamton, NY | 6 | $ 590,000 | $ 98,333 | $ 109,000 |
| Chambersburg-Waynesboro, PA | 6 | $ 600,000 | $ 100,000 | $ 110,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,180,000 | $ 196,666 | $ 206,000 |
| Hinesville, GA | 6 | $ 340,000 | $ 56,666 | $ 72,000 |
| Jacksonville, NC | 6 | $ 630,000 | $ 105,000 | $ 82,000 |
| Muskegon, MI | 6 | $ 560,000 | $ 93,333 | $ 104,000 |
| Norwich-New London, CT | 6 | $ 620,000 | $ 103,333 | $ 133,000 |
| Salisbury, MD-DE | 6 | $ 680,000 | $ 113,333 | $ 127,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 530,000 | $ 88,333 | $ 73,000 |
| Staunton-Waynesboro, VA | 6 | $ 430,000 | $ 71,666 | $ 140,000 |
| Vineland-Bridgeton, NJ | 6 | $ 430,000 | $ 71,666 | $ 69,000 |
| Bloomington, IL | 5 | $ 365,000 | $ 73,000 | $ 150,000 |
| Bowling Green, KY | 5 | $ 695,000 | $ 139,000 | $ 140,000 |
| Evansville, IN-KY | 5 | $ 555,000 | $ 111,000 | $ 82,000 |
| Flagstaff, AZ | 5 | $ 395,000 | $ 79,000 | $ 83,000 |
| Florence, SC | 5 | $ 265,000 | $ 53,000 | $ 83,000 |
| Hanford-Corcoran, CA | 5 | $ 505,000 | $ 101,000 | $ 225,000 |
| Harrisonburg, VA | 5 | $ 715,000 | $ 143,000 | $ 190,000 |
| Jackson, MI | 5 | $ 865,000 | $ 173,000 | $ 68,000 |
| Joplin, MO | 5 | $ 435,000 | $ 87,000 | $ 147,000 |
| Lebanon, PA | 5 | $ 1,245,000 | $ 249,000 | $ 517,000 |
| Springfield, MA | 5 | $ 535,000 | $ 107,000 | $ 203,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 505,000 | $ 101,000 | $ 71,000 |
| Wheeling, WV-OH | 5 | $ 325,000 | $ 65,000 | $ 105,000 |
| Battle Creek, MI | 4 | $ 470,000 | $ 117,500 | $ 136,000 |
| Columbus, IN | 4 | $ 240,000 | $ 60,000 | $ 116,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 420,000 | $ 105,000 | $ 219,500 |
| Kokomo, IN | 4 | $ 250,000 | $ 62,500 | $ 68,000 |
| Pittsfield, MA | 4 | $ 370,000 | $ 92,500 | $ 132,000 |
| Pueblo, CO | 4 | $ 340,000 | $ 85,000 | $ 109,000 |
| Albany, GA | 3 | $ 245,000 | $ 81,666 | $ 182,000 |
| Bay City, MI | 3 | $ 155,000 | $ 51,666 | $ 130,000 |
| Dalton, GA | 3 | $ 135,000 | $ 45,000 | $ 101,000 |
| Glens Falls, NY | 3 | $ 95,000 | $ 31,666 | $ 81,000 |
| Goldsboro, NC | 3 | $ 305,000 | $ 101,666 | $ 112,000 |
| Longview, WA | 3 | $ 825,000 | $ 275,000 | $ 622,000 |
| Madison, WI | 3 | $ 395,000 | $ 131,666 | $ 110,000 |
| Midland, MI | 3 | $ 155,000 | $ 51,666 | $ 133,000 |
| Morristown, TN | 3 | $ 685,000 | $ 228,333 | $ 172,000 |
| Rochester, MN | 3 | $ 435,000 | $ 145,000 | $ 107,000 |
| Sheboygan, WI | 3 | $ 545,000 | $ 181,666 | $ 221,000 |
| Springfield, IL | 3 | $ 225,000 | $ 75,000 | $ 315,000 |
| State College, PA | 3 | $ 465,000 | $ 155,000 | $ 131,000 |
| Utica-Rome, NY | 3 | $ 305,000 | $ 101,666 | $ 98,000 |
| Walla Walla, WA | 3 | $ 665,000 | $ 221,666 | $ 228,000 |
| Altoona, PA | 2 | $ 420,000 | $ 210,000 | $ 106,000 |
| Cedar Rapids, IA | 2 | $ 80,000 | $ 40,000 | $ 262,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 190,000 | $ 95,000 | $ 155,000 |
| Fargo, ND-MN | 2 | $ 260,000 | $ 130,000 | $ 99,000 |
| Gettysburg, PA | 2 | $ 100,000 | $ 50,000 | $ 92,000 |
| Grants Pass, OR | 2 | $ 250,000 | $ 125,000 | $ 85,000 |
| Jackson, TN | 2 | $ 200,000 | $ 100,000 | $ 106,000 |
| Johnstown, PA | 2 | $ 400,000 | $ 200,000 | $ 100,000 |
| Kankakee, IL | 2 | $ 90,000 | $ 45,000 | $ 108,000 |
| Kenosha, WI | 2 | $ 460,000 | $ 230,000 | $ 182,000 |
| Owensboro, KY | 2 | $ 130,000 | $ 65,000 | $ 198,000 |
| Valdosta, GA | 2 | $ 170,000 | $ 85,000 | $ 125,000 |
| Wichita, KS | 2 | $ 200,000 | $ 100,000 | $ 238,000 |
| Appleton, WI | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Cape Girardeau, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 205,000 |
| Dubuque, IA | 1 | $ 75,000 | $ 75,000 | $ 2,000 |
| Duluth, MN-WI | 1 | $ 155,000 | $ 155,000 | $ 131,000 |
| Eau Claire, WI | 1 | $ 25,000 | $ 25,000 | $ 221,000 |
| El Centro, CA | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Fond Du Lac, WI | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Green Bay, WI | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Ithaca, NY | 1 | $ 135,000 | $ 135,000 | $ 200,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Paducah, KY-IL | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Racine, WI | 1 | $ 205,000 | $ 205,000 | $ 174,000 |
| Saginaw, MI | 1 | $ 45,000 | $ 45,000 | $ 11,000 |
| St. Cloud, MN | 1 | $ 55,000 | $ 55,000 | $ 18,000 |
| Sumter, SC | 1 | $ 55,000 | $ 55,000 | $ 133,000 |
| Topeka, KS | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 45,000 | $ 45,000 | $ 191,000 |
| Williamsport, PA | 1 | $ 35,000 | $ 35,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 12,363 | $2,157,555,000 | $174,000 | $1,305,000 | $186,000 | $9,360,000 |
| Other Purpose | 12,319 | $1,445,055,000 | $117,000 | $1,725,000 | $160,000 | $4,184,000 |
| Home Purchase | 10,521 | $3,122,685,000 | $296,000 | $2,005,000 | $148,000 | $8,498,000 |
| Home Improvement | 9,577 | $978,885,000 | $102,000 | $655,000 | $167,000 | $9,100,000 |
| Cash-out Refinancing | 610 | $178,540,000 | $292,000 | $1,605,000 | $153,000 | $1,675,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 30,217 | $5,123,815,000 | $169,000 | $2,005,000 | $164,000 | $8,259,000 |
| Not Provided | 4,756 | $881,490,000 | $185,000 | $1,685,000 | $194,000 | $9,360,000 |
| Hispanic | 3,677 | $527,385,000 | $143,000 | $1,505,000 | $149,000 | $5,201,000 |
| Asian | 2,789 | $594,255,000 | $213,000 | $1,725,000 | $204,000 | $8,498,000 |
| Black or African American | 2,374 | $270,880,000 | $114,000 | $1,605,000 | $114,000 | $4,788,000 |
| Not applicable | 1,283 | $446,505,000 | $348,000 | $1,785,000 | $162,000 | $1,332,000 |
| American Indian or Alaskan Native | 225 | $28,565,000 | $126,000 | $465,000 | $156,000 | $2,678,000 |
| Native Hawaiian or Other Pacific Islander | 69 | $9,825,000 | $142,000 | $525,000 | $152,000 | $455,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 45,390 | $7,882,720,000 | $173,000 | $2,005,000 | $166,000 | $9,360,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 21,298 | $3,409,620,000 | $160,000 | $1,915,000 | $182,000 | $2,717,000 |
| Application Denied By Financial Institution | 12,275 | $1,607,955,000 | $130,000 | $1,535,000 | $134,000 | $7,950,000 |
| Application Withdrawn By Applicant | 3,167 | $575,735,000 | $181,000 | $1,725,000 | $207,000 | $8,498,000 |
| Preapproval Approved but not Accepted | 3,128 | $970,650,000 | $310,000 | $2,005,000 | $135,000 | $1,558,000 |
| Preapproval Denied by Financial Institution | 1,611 | $450,305,000 | $279,000 | $1,685,000 | $107,000 | $3,704,000 |
| File Closed For Incompleteness | 1,586 | $245,390,000 | $154,000 | $1,355,000 | $228,000 | $9,360,000 |
| Loan Purchased By The Institution | 1,283 | $446,505,000 | $348,000 | $1,785,000 | $162,000 | $1,332,000 |
| Application Approved But Not Accepted | 1,042 | $176,560,000 | $169,000 | $1,045,000 | $163,000 | $840,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 31,504 | $5,824,460,000 | $184,000 | $2,005,000 | $181,000 | $9,360,000 |
| Debt-To-Income Ratio | 9,479 | $1,447,465,000 | $152,000 | $1,685,000 | $101,000 | $707,000 |
| Credit History | 2,948 | $355,910,000 | $120,000 | $1,205,000 | $197,000 | $4,940,000 |
| Collateral | 675 | $99,395,000 | $147,000 | $1,005,000 | $201,000 | $2,538,000 |
| Credit Application Incomplete | 478 | $94,540,000 | $197,000 | $1,065,000 | $204,000 | $7,950,000 |
| Other | 207 | $35,415,000 | $171,000 | $705,000 | $176,000 | $1,997,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 82 | $21,510,000 | $262,000 | $675,000 | $120,000 | $450,000 |
| Unverifiable Information | 12 | $2,450,000 | $204,000 | $565,000 | $75,000 | $249,000 |
| Employment History | 5 | $1,575,000 | $315,000 | $525,000 | $148,000 | $340,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Third Federal Savings and Loan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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