Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2020
In 2020, Third Federal Savings and Loan of Cleveland, OH reported 57,211 mortgage applications totaling $10.3 billion, up 8% from 2019. The average application was for $180,401, and applicants reported an average income of $139,283. 49% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Cleveland-Elyria, OH (10,860), Columbus, OH (4,256) and Cincinnati, OH-KY-IN (3,558) (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 | 57,211 |
| Total Mortgage Loan Application Amount | $10,320,965,000 |
| Average Mortgage Loan Application Amount | $180,401 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $139,283 |
| Highest Applicant Income | $9,863,000 |
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records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Elyria, OH | 10,860 | $ 1,563,310,000 | $ 143,951 | $ 119,000 |
| Columbus, OH | 4,256 | $ 823,250,000 | $ 193,432 | $ 142,000 |
| Cincinnati, OH-KY-IN | 3,558 | $ 615,870,000 | $ 173,094 | $ 134,016 |
| Tampa-St. Petersburg-Clearwater, FL | 3,002 | $ 488,200,000 | $ 162,624 | $ 115,000 |
| Akron, OH | 2,384 | $ 352,010,000 | $ 147,655 | $ 120,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1,701 | $ 308,005,000 | $ 181,072 | $ 131,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,360 | $ 245,060,000 | $ 180,191 | $ 127,000 |
| Outside any metro area | 1,103 | $ 156,205,000 | $ 141,618 | $ 120,564 |
| North Port-Sarasota-Bradenton, FL | 1,034 | $ 187,570,000 | $ 181,402 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 906 | $ 201,530,000 | $ 222,439 | $ 194,700 |
| Cape Coral-Fort Myers, FL | 885 | $ 149,705,000 | $ 169,158 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 881 | $ 160,185,000 | $ 181,821 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 875 | $ 154,445,000 | $ 176,508 | $ 165,000 |
| New York-Jersey City-White Plains, NY-NJ | 829 | $ 193,285,000 | $ 233,154 | $ 198,901 |
| Chicago-Naperville, IL | 752 | $ 141,700,000 | $ 188,430 | $ 214,000 |
| Denver-Aurora-Lakewood, CO | 727 | $ 132,925,000 | $ 182,840 | $ 173,000 |
| Seattle-Bellevue-Everett, WA | 648 | $ 170,860,000 | $ 263,672 | $ 208,000 |
| New York-Newark, NY | 563 | $ 104,175,000 | $ 185,035 | $ 181,037 |
| Naples-Immokalee-Marco Island, FL | 560 | $ 113,060,000 | $ 201,892 | $ 138,000 |
| Oakland-Hayward-Berkeley, CA | 547 | $ 142,095,000 | $ 259,771 | $ 208,000 |
| Anaheim-Santa Ana-Irvine, CA | 519 | $ 109,385,000 | $ 210,761 | $ 202,000 |
| Montgomery County-Bucks County-Chester County, PA | 517 | $ 99,815,000 | $ 193,065 | $ 185,000 |
| Orlando-Kissimmee-Sanford, FL | 490 | $ 89,840,000 | $ 183,346 | $ 146,000 |
| Charlotte-Concord-Gastonia, NC-SC | 479 | $ 100,815,000 | $ 210,469 | $ 192,000 |
| Miami-Miami Beach-Kendall, FL | 429 | $ 79,695,000 | $ 185,769 | $ 163,000 |
| Raleigh, NC | 394 | $ 85,790,000 | $ 217,741 | $ 164,000 |
| San Diego-Carlsbad, CA | 389 | $ 76,015,000 | $ 195,411 | $ 187,000 |
| Newark, NJ-PA | 368 | $ 73,520,000 | $ 199,782 | $ 207,016 |
| Riverside-San Bernardino-Ontario, CA | 351 | $ 56,645,000 | $ 161,381 | $ 152,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 334 | $ 69,210,000 | $ 207,215 | $ 158,772 |
| Sacramento--Roseville--Arden-Arcade, CA | 313 | $ 55,105,000 | $ 176,054 | $ 158,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 293 | $ 92,995,000 | $ 317,389 | $ 220,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 276 | $ 56,650,000 | $ 205,253 | $ 173,000 |
| Cambridge-Newton-Framingham, MA | 273 | $ 70,495,000 | $ 258,223 | $ 201,000 |
| Jacksonville, FL | 267 | $ 47,955,000 | $ 179,606 | $ 152,000 |
| Canton-Massillon, OH | 262 | $ 41,760,000 | $ 159,389 | $ 130,000 |
| Baltimore-Columbia-Towson, MD | 261 | $ 53,975,000 | $ 206,800 | $ 209,000 |
| Nassau County-Suffolk County, NY | 242 | $ 55,080,000 | $ 227,603 | $ 186,000 |
| Washington-Baltimore-Arlington, DC | 216 | $ 45,870,000 | $ 212,361 | $ 193,000 |
| Port St. Lucie, FL | 185 | $ 33,145,000 | $ 179,162 | $ 140,000 |
| Boston, MA | 182 | $ 39,280,000 | $ 215,824 | $ 248,000 |
| San Francisco-Redwood City-South San Francisco, CA | 181 | $ 49,175,000 | $ 271,685 | $ 224,000 |
| Camden, NJ | 179 | $ 26,405,000 | $ 147,513 | $ 168,000 |
| St. Louis, MO-IL | 168 | $ 28,160,000 | $ 167,619 | $ 163,321 |
| Richmond, VA | 159 | $ 28,535,000 | $ 179,465 | $ 203,000 |
| Dayton-Springfield-Kettering, OH | 155 | $ 23,015,000 | $ 148,483 | $ 118,000 |
| Indianapolis-Carmel-Anderson, IN | 153 | $ 23,795,000 | $ 155,522 | $ 152,000 |
| Philadelphia, PA | 145 | $ 26,135,000 | $ 180,241 | $ 152,000 |
| Punta Gorda, FL | 142 | $ 19,940,000 | $ 140,422 | $ 99,000 |
| Durham-Chapel Hill, NC | 140 | $ 26,520,000 | $ 189,428 | $ 175,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 140 | $ 27,510,000 | $ 196,500 | $ 188,000 |
| Pittsburgh, PA | 129 | $ 20,515,000 | $ 159,031 | $ 177,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 125 | $ 17,475,000 | $ 139,800 | $ 111,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 120 | $ 13,210,000 | $ 110,083 | $ 173,616 |
| Bridgeport-Stamford-Norwalk, CT | 116 | $ 25,880,000 | $ 223,103 | $ 215,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 108 | $ 14,970,000 | $ 138,611 | $ 160,472 |
| Palm Bay-Melbourne-Titusville, FL | 108 | $ 17,070,000 | $ 158,055 | $ 120,000 |
| Boulder, CO | 100 | $ 19,020,000 | $ 190,200 | $ 187,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 99 | $ 17,685,000 | $ 178,636 | $ 145,383 |
| Toledo, OH | 93 | $ 14,985,000 | $ 161,129 | $ 125,000 |
| Louisville/Jefferson County, KY-IN | 92 | $ 14,390,000 | $ 156,413 | $ 136,956 |
| Warren-Troy-Farmington Hills, MI | 90 | $ 9,020,000 | $ 100,222 | $ 139,000 |
| Hartford-West Hartford-East Hartford, CT | 89 | $ 13,905,000 | $ 156,235 | $ 165,000 |
| Lakeland-Winter Haven, FL | 88 | $ 11,870,000 | $ 134,886 | $ 123,000 |
| Lake County-Kenosha County, IL-WI | 85 | $ 17,245,000 | $ 202,882 | $ 215,764 |
| Tacoma-Lakewood, WA | 85 | $ 16,085,000 | $ 189,235 | $ 155,000 |
| Trenton, NJ | 82 | $ 18,460,000 | $ 225,121 | $ 195,000 |
| Youngstown-Warren-Boardman, OH-PA | 79 | $ 10,925,000 | $ 138,291 | $ 102,417 |
| Greensboro-High Point, NC | 75 | $ 10,975,000 | $ 146,333 | $ 140,000 |
| Asheville, NC | 74 | $ 12,600,000 | $ 170,270 | $ 115,000 |
| Elgin, IL | 74 | $ 11,690,000 | $ 157,972 | $ 156,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 66 | $ 8,030,000 | $ 121,666 | $ 110,000 |
| Colorado Springs, CO | 65 | $ 11,615,000 | $ 178,692 | $ 149,000 |
| Fresno, CA | 62 | $ 9,100,000 | $ 146,774 | $ 141,000 |
| San Rafael, CA | 62 | $ 15,770,000 | $ 254,354 | $ 266,000 |
| Fort Collins, CO | 60 | $ 12,210,000 | $ 203,500 | $ 161,000 |
| Memphis, TN-MS-AR | 59 | $ 11,485,000 | $ 194,661 | $ 169,000 |
| Santa Rosa, CA | 59 | $ 10,735,000 | $ 181,949 | $ 189,000 |
| Knoxville, TN | 58 | $ 8,670,000 | $ 149,482 | $ 154,000 |
| Stockton-Lodi, CA | 58 | $ 9,370,000 | $ 161,551 | $ 126,000 |
| Worcester, MA-CT | 55 | $ 12,355,000 | $ 224,636 | $ 191,636 |
| Rockingham County-Strafford County, NH | 53 | $ 10,395,000 | $ 196,132 | $ 149,000 |
| Spokane-Spokane Valley, WA | 53 | $ 7,005,000 | $ 132,169 | $ 143,000 |
| Ocala, FL | 52 | $ 7,170,000 | $ 137,884 | $ 83,000 |
| The Villages, FL | 51 | $ 9,175,000 | $ 179,901 | $ 126,000 |
| Pensacola-Ferry Pass-Brent, FL | 48 | $ 8,080,000 | $ 168,333 | $ 140,000 |
| Kansas City, MO-KS | 47 | $ 6,255,000 | $ 133,085 | $ 151,000 |
| Wilmington, NC | 47 | $ 8,565,000 | $ 182,234 | $ 126,000 |
| New Haven-Milford, CT | 46 | $ 7,610,000 | $ 165,434 | $ 156,000 |
| Vallejo-Fairfield, CA | 45 | $ 7,375,000 | $ 163,888 | $ 183,000 |
| Tallahassee, FL | 44 | $ 6,650,000 | $ 151,136 | $ 150,000 |
| Greeley, CO | 43 | $ 6,565,000 | $ 152,674 | $ 151,000 |
| Winston-Salem, NC | 42 | $ 6,370,000 | $ 151,666 | $ 153,000 |
| Santa Cruz-Watsonville, CA | 41 | $ 8,105,000 | $ 197,682 | $ 167,000 |
| Sebastian-Vero Beach, FL | 41 | $ 6,755,000 | $ 164,756 | $ 104,000 |
| Bend-Redmond, OR | 40 | $ 8,370,000 | $ 209,250 | $ 193,000 |
| Chattanooga, TN-GA | 40 | $ 6,190,000 | $ 154,750 | $ 117,750 |
| Santa Maria-Santa Barbara, CA | 40 | $ 7,010,000 | $ 175,250 | $ 147,000 |
| Crestview-Fort Walton Beach-Destin, FL | 39 | $ 10,085,000 | $ 258,589 | $ 154,000 |
| Rochester, NY | 35 | $ 4,125,000 | $ 117,857 | $ 156,000 |
| Savannah, GA | 35 | $ 5,645,000 | $ 161,285 | $ 123,000 |
| Springfield, MA | 34 | $ 6,700,000 | $ 197,058 | $ 197,000 |
| Bellingham, WA | 33 | $ 4,995,000 | $ 151,363 | $ 124,000 |
| Manchester-Nashua, NH | 33 | $ 6,095,000 | $ 184,696 | $ 153,000 |
| Detroit-Dearborn-Livonia, MI | 32 | $ 3,010,000 | $ 94,062 | $ 163,000 |
| Eugene, OR | 32 | $ 4,850,000 | $ 151,562 | $ 115,000 |
| Lancaster, PA | 32 | $ 4,090,000 | $ 127,812 | $ 112,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 32 | $ 5,400,000 | $ 168,750 | $ 118,000 |
| Gainesville, FL | 31 | $ 4,215,000 | $ 135,967 | $ 143,000 |
| Gary, IN | 31 | $ 3,645,000 | $ 117,580 | $ 142,000 |
| Kennewick-Richland, WA | 31 | $ 5,125,000 | $ 165,322 | $ 117,000 |
| York-Hanover, PA | 31 | $ 4,145,000 | $ 133,709 | $ 127,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 30 | $ 5,340,000 | $ 178,000 | $ 93,000 |
| Reading, PA | 30 | $ 3,730,000 | $ 124,333 | $ 117,000 |
| Salem, OR | 30 | $ 3,570,000 | $ 119,000 | $ 108,000 |
| Albany-Schenectady-Troy, NY | 29 | $ 4,645,000 | $ 160,172 | $ 144,000 |
| Atlantic City-Hammonton, NJ | 29 | $ 3,415,000 | $ 117,758 | $ 116,000 |
| Harrisburg-Carlisle, PA | 29 | $ 4,455,000 | $ 153,620 | $ 139,000 |
| Modesto, CA | 29 | $ 4,035,000 | $ 139,137 | $ 140,000 |
| Bremerton-Silverdale, WA | 26 | $ 7,970,000 | $ 306,538 | $ 169,000 |
| Gainesville, GA | 25 | $ 4,205,000 | $ 168,200 | $ 179,000 |
| Hickory-Lenoir-Morganton, NC | 25 | $ 3,075,000 | $ 123,000 | $ 94,000 |
| Lexington-Fayette, KY | 25 | $ 3,865,000 | $ 154,600 | $ 164,000 |
| Barnstable Town, MA | 24 | $ 3,800,000 | $ 158,333 | $ 116,000 |
| Homosassa Springs, FL | 24 | $ 2,750,000 | $ 114,583 | $ 72,000 |
| Providence-Warwick, RI-MA | 24 | $ 3,400,000 | $ 141,666 | $ 134,000 |
| Charlottesville, VA | 23 | $ 2,985,000 | $ 129,782 | $ 144,000 |
| Mansfield, OH | 23 | $ 2,945,000 | $ 128,043 | $ 87,000 |
| Bakersfield, CA | 22 | $ 2,540,000 | $ 115,454 | $ 123,000 |
| Medford, OR | 22 | $ 3,680,000 | $ 167,272 | $ 111,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 1,870,000 | $ 93,500 | $ 136,000 |
| Salinas, CA | 20 | $ 3,680,000 | $ 184,000 | $ 182,000 |
| Napa, CA | 19 | $ 3,995,000 | $ 210,263 | $ 182,000 |
| Roanoke, VA | 19 | $ 1,845,000 | $ 97,105 | $ 86,000 |
| Springfield, OH | 19 | $ 2,395,000 | $ 126,052 | $ 115,000 |
| Olympia-Tumwater, WA | 17 | $ 2,535,000 | $ 149,117 | $ 123,000 |
| Ann Arbor, MI | 16 | $ 1,780,000 | $ 111,250 | $ 349,000 |
| Augusta-Richmond County, GA-SC | 16 | $ 2,770,000 | $ 173,125 | $ 140,000 |
| Fort Wayne, IN | 16 | $ 1,800,000 | $ 112,500 | $ 109,000 |
| Norwich-New London, CT | 16 | $ 2,470,000 | $ 154,375 | $ 94,000 |
| Panama City, FL | 16 | $ 2,170,000 | $ 135,625 | $ 99,000 |
| Grand Junction, CO | 15 | $ 1,735,000 | $ 115,666 | $ 115,000 |
| Athens-Clarke County, GA | 14 | $ 2,540,000 | $ 181,428 | $ 231,000 |
| Fayetteville, NC | 14 | $ 1,790,000 | $ 127,857 | $ 141,000 |
| Salisbury, MD-DE | 14 | $ 1,900,000 | $ 135,714 | $ 185,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 14 | $ 1,760,000 | $ 125,714 | $ 133,000 |
| Visalia-Porterville, CA | 14 | $ 1,850,000 | $ 132,142 | $ 116,000 |
| Rockford, IL | 12 | $ 1,080,000 | $ 90,000 | $ 139,000 |
| Wenatchee, WA | 12 | $ 1,440,000 | $ 120,000 | $ 141,000 |
| Cleveland, TN | 11 | $ 2,485,000 | $ 225,909 | $ 136,000 |
| Des Moines-West Des Moines, IA | 11 | $ 1,525,000 | $ 138,636 | $ 98,000 |
| Lynchburg, VA | 11 | $ 1,005,000 | $ 91,363 | $ 74,000 |
| Wilmington, DE-MD-NJ | 11 | $ 1,985,000 | $ 180,454 | $ 123,090 |
| Yakima, WA | 11 | $ 1,825,000 | $ 165,909 | $ 138,000 |
| Yuba City, CA | 11 | $ 1,435,000 | $ 130,454 | $ 113,000 |
| Albany, OR | 10 | $ 1,330,000 | $ 133,000 | $ 102,000 |
| East Stroudsburg, PA | 10 | $ 1,430,000 | $ 143,000 | $ 90,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 1,750,000 | $ 175,000 | $ 163,000 |
| Bloomington, IL | 9 | $ 1,045,000 | $ 116,111 | $ 131,000 |
| Chico, CA | 9 | $ 1,705,000 | $ 189,444 | $ 141,000 |
| Corvallis, OR | 9 | $ 1,345,000 | $ 149,444 | $ 139,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 1,325,000 | $ 147,222 | $ 154,000 |
| Grants Pass, OR | 9 | $ 1,555,000 | $ 172,777 | $ 133,000 |
| Johnson City, TN | 9 | $ 1,475,000 | $ 163,888 | $ 151,000 |
| South Bend-Mishawaka, IN-MI | 9 | $ 665,000 | $ 73,888 | $ 112,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 980,000 | $ 122,500 | $ 104,000 |
| Erie, PA | 8 | $ 1,230,000 | $ 153,750 | $ 97,000 |
| Greenville, NC | 8 | $ 1,700,000 | $ 212,500 | $ 178,000 |
| Merced, CA | 8 | $ 1,380,000 | $ 172,500 | $ 119,000 |
| Redding, CA | 8 | $ 1,070,000 | $ 133,750 | $ 119,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,435,000 | $ 205,000 | $ 116,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 715,000 | $ 102,142 | $ 90,285 |
| Morristown, TN | 7 | $ 945,000 | $ 135,000 | $ 79,000 |
| New Bern, NC | 7 | $ 605,000 | $ 86,428 | $ 124,000 |
| Ocean City, NJ | 7 | $ 905,000 | $ 129,285 | $ 160,000 |
| Pittsfield, MA | 7 | $ 1,215,000 | $ 173,571 | $ 110,000 |
| Winchester, VA-WV | 7 | $ 1,095,000 | $ 156,428 | $ 108,000 |
| Bloomington, IN | 6 | $ 1,360,000 | $ 226,666 | $ 184,000 |
| California-Lexington Park, MD | 6 | $ 910,000 | $ 151,666 | $ 122,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 710,000 | $ 118,333 | $ 159,000 |
| Elkhart-Goshen, IN | 6 | $ 890,000 | $ 148,333 | $ 104,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 590,000 | $ 98,333 | $ 104,000 |
| Kingston, NY | 6 | $ 920,000 | $ 153,333 | $ 119,000 |
| Lafayette-West Lafayette, IN | 6 | $ 720,000 | $ 120,000 | $ 149,000 |
| Macon-Bibb County, GA | 6 | $ 1,050,000 | $ 175,000 | $ 127,000 |
| Madera, CA | 6 | $ 650,000 | $ 108,333 | $ 141,000 |
| Madison, WI | 6 | $ 580,000 | $ 96,666 | $ 123,000 |
| Springfield, MO | 6 | $ 570,000 | $ 95,000 | $ 120,000 |
| State College, PA | 6 | $ 690,000 | $ 115,000 | $ 90,000 |
| Staunton-Waynesboro, VA | 6 | $ 1,080,000 | $ 180,000 | $ 129,000 |
| Vineland-Bridgeton, NJ | 6 | $ 570,000 | $ 95,000 | $ 73,000 |
| Burlington, NC | 5 | $ 835,000 | $ 167,000 | $ 123,000 |
| Champaign-Urbana, IL | 5 | $ 1,005,000 | $ 201,000 | $ 186,000 |
| Columbia, MO | 5 | $ 905,000 | $ 181,000 | $ 105,000 |
| Columbus, GA-AL | 5 | $ 1,025,000 | $ 205,000 | $ 139,000 |
| Glens Falls, NY | 5 | $ 705,000 | $ 141,000 | $ 69,000 |
| Hanford-Corcoran, CA | 5 | $ 705,000 | $ 141,000 | $ 128,000 |
| Harrisonburg, VA | 5 | $ 995,000 | $ 199,000 | $ 139,000 |
| Jackson, MI | 5 | $ 735,000 | $ 147,000 | $ 99,000 |
| Kalamazoo-Portage, MI | 5 | $ 635,000 | $ 127,000 | $ 293,000 |
| Lebanon, PA | 5 | $ 635,000 | $ 127,000 | $ 125,000 |
| Michigan City-La Porte, IN | 5 | $ 595,000 | $ 119,000 | $ 113,000 |
| Pueblo, CO | 5 | $ 525,000 | $ 105,000 | $ 59,000 |
| Syracuse, NY | 5 | $ 475,000 | $ 95,000 | $ 113,000 |
| Wheeling, WV-OH | 5 | $ 555,000 | $ 111,000 | $ 116,000 |
| Bloomsburg-Berwick, PA | 4 | $ 530,000 | $ 132,500 | $ 218,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 690,000 | $ 172,500 | $ 107,000 |
| El Centro, CA | 4 | $ 450,000 | $ 112,500 | $ 84,000 |
| Jackson, TN | 4 | $ 2,160,000 | $ 540,000 | $ 338,000 |
| Longview, WA | 4 | $ 610,000 | $ 152,500 | $ 80,000 |
| Peoria, IL | 4 | $ 360,000 | $ 90,000 | $ 75,000 |
| Rome, GA | 4 | $ 700,000 | $ 175,000 | $ 113,000 |
| Walla Walla, WA | 4 | $ 390,000 | $ 97,500 | $ 124,000 |
| Ames, IA | 3 | $ 255,000 | $ 85,000 | $ 150,000 |
| Clarksville, TN-KY | 3 | $ 415,000 | $ 138,333 | $ 63,000 |
| Elizabethtown-Fort Knox, KY | 3 | $ 215,000 | $ 71,666 | $ 108,000 |
| Gettysburg, PA | 3 | $ 305,000 | $ 101,666 | $ 46,000 |
| Green Bay, WI | 3 | $ 195,000 | $ 65,000 | $ 118,000 |
| Kokomo, IN | 3 | $ 255,000 | $ 85,000 | $ 94,000 |
| Monroe, MI | 3 | $ 235,000 | $ 78,333 | $ 122,000 |
| Niles-Benton Harbor, MI | 3 | $ 135,000 | $ 45,000 | $ 172,000 |
| Sebring, FL | 3 | $ 635,000 | $ 211,666 | $ 118,000 |
| Binghamton, NY | 2 | $ 170,000 | $ 85,000 | $ 131,000 |
| Brunswick, GA | 2 | $ 260,000 | $ 130,000 | $ 113,000 |
| Carbondale-Marion, IL | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| Dalton, GA | 2 | $ 160,000 | $ 80,000 | $ 95,000 |
| Duluth, MN-WI | 2 | $ 100,000 | $ 50,000 | $ 112,000 |
| Evansville, IN-KY | 2 | $ 720,000 | $ 360,000 | $ 299,000 |
| Fargo, ND-MN | 2 | $ 70,000 | $ 35,000 | $ 133,000 |
| Flint, MI | 2 | $ 120,000 | $ 60,000 | $ 142,000 |
| Ithaca, NY | 2 | $ 430,000 | $ 215,000 | $ 155,000 |
| Jacksonville, NC | 2 | $ 150,000 | $ 75,000 | $ 47,000 |
| La Crosse-Onalaska, WI-MN | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Lansing-East Lansing, MI | 2 | $ 190,000 | $ 95,000 | $ 82,000 |
| Midland, MI | 2 | $ 290,000 | $ 145,000 | $ 180,000 |
| Muncie, IN | 2 | $ 150,000 | $ 75,000 | $ 195,000 |
| Sheboygan, WI | 2 | $ 60,000 | $ 30,000 | $ 65,000 |
| Albany, GA | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Altoona, PA | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Appleton, WI | 1 | $ 75,000 | $ 75,000 | $ 206,000 |
| Battle Creek, MI | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Bowling Green, KY | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Cape Girardeau, MO-IL | 1 | $ 195,000 | $ 195,000 | $ 137,000 |
| Columbus, IN | 1 | $ 165,000 | $ 165,000 | $ 102,000 |
| Decatur, IL | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
| Fort Worth-Arlington, TX | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Hinesville, GA | 1 | $ 15,000 | $ 15,000 | $ 73,000 |
| Joplin, MO | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Lima, OH | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Mankato-North Mankato, MN | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 25,000 | $ 25,000 | $ 59,000 |
| Racine, WI | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Rochester, MN | 1 | $ 75,000 | $ 75,000 | $ 149,000 |
| Rocky Mount, NC | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Sioux City, IA-NE-SD | 1 | $ 95,000 | $ 95,000 | $ 37,000 |
| Springfield, IL | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| St. Joseph, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Utica-Rome, NY | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Valdosta, GA | 1 | $ 155,000 | $ 155,000 | $ 162,000 |
| Warner Robins, GA | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Williamsport, PA | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2020
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 | 14,654 | $2,663,260,000 | $181,000 | $1,005,000 | $141,000 | $5,811,000 |
| Home Purchase | 13,019 | $2,984,645,000 | $229,000 | $1,005,000 | $115,000 | $4,282,000 |
| Other Purpose | 11,589 | $1,248,045,000 | $107,000 | $1,005,000 | $149,000 | $9,863,000 |
| Cash-out Refinancing | 10,372 | $2,724,870,000 | $262,000 | $1,005,000 | $145,000 | $4,508,000 |
| Home Improvement | 7,577 | $700,145,000 | $92,000 | $1,005,000 | $155,000 | $6,150,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 40,304 | $7,062,510,000 | $175,000 | $1,005,000 | $137,000 | $9,863,000 |
| Not Provided | 8,044 | $1,523,360,000 | $189,000 | $1,005,000 | $154,000 | $3,822,000 |
| Asian | 3,098 | $713,870,000 | $230,000 | $1,005,000 | $155,000 | $1,716,000 |
| Hispanic | 2,299 | $382,735,000 | $166,000 | $1,005,000 | $121,000 | $1,982,000 |
| Black or African American | 1,797 | $252,495,000 | $140,000 | $895,000 | $95,000 | $1,567,000 |
| American Indian or Alaskan Native | 172 | $30,350,000 | $176,000 | $1,005,000 | $129,000 | $527,000 |
| Not applicable | 94 | $11,020,000 | $117,000 | $425,000 | $55,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 41 | $6,865,000 | $167,000 | $505,000 | $141,000 | $971,000 |
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) | 57,211 | $10,320,965,000 | $180,000 | $1,005,000 | $139,000 | $9,863,000 |
| 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 | 27,798 | $4,739,240,000 | $170,000 | $1,005,000 | $150,000 | $2,207,000 |
| Application Denied By Financial Institution | 12,174 | $1,995,330,000 | $163,000 | $1,005,000 | $117,000 | $9,863,000 |
| Application Withdrawn By Applicant | 6,463 | $1,279,265,000 | $197,000 | $1,005,000 | $158,000 | $7,800,000 |
| Preapproval Approved but not Accepted | 3,356 | $827,980,000 | $246,000 | $1,005,000 | $114,000 | $1,674,000 |
| Preapproval Denied by Financial Institution | 2,779 | $574,325,000 | $206,000 | $1,005,000 | $80,000 | $1,116,000 |
| File Closed For Incompleteness | 2,694 | $539,960,000 | $200,000 | $1,005,000 | $169,000 | $4,180,000 |
| Application Approved But Not Accepted | 1,853 | $353,845,000 | $190,000 | $1,005,000 | $154,000 | $1,509,000 |
| Loan Purchased By The Institution | 94 | $11,020,000 | $117,000 | $425,000 | $55,000 | $222,000 |
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 | 42,258 | $7,751,310,000 | $183,000 | $1,005,000 | $150,000 | $7,800,000 |
| Debt-To-Income Ratio | 6,722 | $1,308,860,000 | $194,000 | $1,005,000 | $77,000 | $1,200,000 |
| Credit History | 6,460 | $939,760,000 | $145,000 | $1,005,000 | $128,000 | $9,863,000 |
| Collateral | 922 | $165,150,000 | $179,000 | $1,005,000 | $173,000 | $1,716,000 |
| Credit Application Incomplete | 502 | $95,600,000 | $190,000 | $1,005,000 | $184,000 | $5,811,000 |
| Other | 229 | $35,925,000 | $156,000 | $1,005,000 | $133,000 | $883,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 72 | $14,120,000 | $196,000 | $1,005,000 | $86,000 | $446,000 |
| Unverifiable Information | 24 | $5,660,000 | $235,000 | $595,000 | $154,000 | $425,000 |
| Mortgage Insurance Denied | 17 | $3,975,000 | $233,000 | $385,000 | $106,000 | $220,000 |
| Employment History | 5 | $605,000 | $121,000 | $365,000 | $125,000 | $314,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2020 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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