Third Federal Savings and Loan Mortgage Lending & HMDA Data, 2021
In 2021, Third Federal Savings and Loan of Cleveland, OH reported 60,110 mortgage applications totaling $10.6 billion, up 5% from 2020. The average application was for $177,109, and applicants reported an average income of $143,770. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Cleveland-Elyria, OH (11,078), Columbus, OH (3,905) and Cincinnati, OH-KY-IN (3,358) (applications in parentheses).
| Mortgage Company & Address | Third Federal Savings and Loan 7007 Broadway Avenue Cleveland, OH 44105 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 60,110 |
| Total Mortgage Loan Application Amount | $10,646,030,000 |
| Average Mortgage Loan Application Amount | $177,109 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $143,770 |
| Highest Applicant Income | $9,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Third Federal Savings and Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| 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 | 11,078 | $ 1,573,950,000 | $ 142,078 | $ 115,000 |
| Columbus, OH | 3,905 | $ 730,485,000 | $ 187,064 | $ 145,000 |
| Cincinnati, OH-KY-IN | 3,358 | $ 574,930,000 | $ 171,212 | $ 133,174 |
| Tampa-St. Petersburg-Clearwater, FL | 3,109 | $ 477,675,000 | $ 153,642 | $ 118,000 |
| Akron, OH | 2,566 | $ 370,260,000 | $ 144,294 | $ 118,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1,809 | $ 304,575,000 | $ 168,366 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1,519 | $ 259,215,000 | $ 170,648 | $ 135,000 |
| Outside any metro area | 1,073 | $ 157,265,000 | $ 146,565 | $ 126,328 |
| North Port-Sarasota-Bradenton, FL | 1,059 | $ 184,315,000 | $ 174,046 | $ 119,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,022 | $ 181,630,000 | $ 177,720 | $ 194,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 992 | $ 195,770,000 | $ 197,348 | $ 211,655 |
| Atlanta-Sandy Springs-Roswell, GA | 986 | $ 164,550,000 | $ 166,886 | $ 170,000 |
| Cape Coral-Fort Myers, FL | 960 | $ 161,480,000 | $ 168,208 | $ 120,000 |
| New York-Jersey City-White Plains, NY-NJ | 890 | $ 220,290,000 | $ 247,516 | $ 216,612 |
| Oakland-Hayward-Berkeley, CA | 770 | $ 157,320,000 | $ 204,311 | $ 224,000 |
| Denver-Aurora-Lakewood, CO | 761 | $ 135,715,000 | $ 178,337 | $ 202,000 |
| New York-Newark, NY | 702 | $ 118,560,000 | $ 168,888 | $ 208,051 |
| Seattle-Bellevue-Everett, WA | 685 | $ 155,715,000 | $ 227,321 | $ 203,000 |
| Anaheim-Santa Ana-Irvine, CA | 684 | $ 116,810,000 | $ 170,774 | $ 206,000 |
| Chicago-Naperville, IL | 660 | $ 115,970,000 | $ 175,712 | $ 185,000 |
| Montgomery County-Bucks County-Chester County, PA | 585 | $ 102,205,000 | $ 174,709 | $ 196,000 |
| Naples-Immokalee-Marco Island, FL | 576 | $ 127,800,000 | $ 221,875 | $ 157,000 |
| San Diego-Carlsbad, CA | 555 | $ 102,175,000 | $ 184,099 | $ 185,000 |
| Charlotte-Concord-Gastonia, NC-SC | 493 | $ 87,525,000 | $ 177,535 | $ 178,000 |
| Newark, NJ-PA | 481 | $ 80,275,000 | $ 166,891 | $ 234,765 |
| Orlando-Kissimmee-Sanford, FL | 459 | $ 77,805,000 | $ 169,509 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 393 | $ 58,805,000 | $ 149,631 | $ 157,000 |
| Miami-Miami Beach-Kendall, FL | 392 | $ 76,320,000 | $ 194,693 | $ 187,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 378 | $ 58,270,000 | $ 154,153 | $ 175,000 |
| Raleigh, NC | 368 | $ 67,290,000 | $ 182,853 | $ 171,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 329 | $ 75,945,000 | $ 230,835 | $ 239,000 |
| Jacksonville, FL | 317 | $ 51,085,000 | $ 161,151 | $ 156,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 315 | $ 54,695,000 | $ 173,634 | $ 161,577 |
| Baltimore-Columbia-Towson, MD | 289 | $ 49,805,000 | $ 172,335 | $ 193,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 287 | $ 52,315,000 | $ 182,282 | $ 177,000 |
| Canton-Massillon, OH | 281 | $ 40,565,000 | $ 144,359 | $ 131,000 |
| Nassau County-Suffolk County, NY | 270 | $ 59,490,000 | $ 220,333 | $ 219,000 |
| Washington-Baltimore-Arlington, DC | 242 | $ 44,470,000 | $ 183,760 | $ 221,000 |
| Port St. Lucie, FL | 233 | $ 41,085,000 | $ 176,330 | $ 137,000 |
| Cambridge-Newton-Framingham, MA | 231 | $ 49,995,000 | $ 216,428 | $ 222,000 |
| Camden, NJ | 193 | $ 27,015,000 | $ 139,974 | $ 164,000 |
| Punta Gorda, FL | 191 | $ 28,625,000 | $ 149,869 | $ 104,000 |
| San Francisco-Redwood City-South San Francisco, CA | 188 | $ 49,660,000 | $ 264,148 | $ 245,000 |
| Dayton-Springfield-Kettering, OH | 168 | $ 26,480,000 | $ 157,619 | $ 119,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 161 | $ 31,435,000 | $ 195,248 | $ 196,000 |
| Indianapolis-Carmel-Anderson, IN | 151 | $ 21,155,000 | $ 140,099 | $ 161,000 |
| Pittsburgh, PA | 147 | $ 22,085,000 | $ 150,238 | $ 146,000 |
| Boston, MA | 146 | $ 34,400,000 | $ 235,616 | $ 214,000 |
| Richmond, VA | 146 | $ 23,050,000 | $ 157,876 | $ 192,000 |
| St. Louis, MO-IL | 144 | $ 21,680,000 | $ 150,555 | $ 162,916 |
| Bridgeport-Stamford-Norwalk, CT | 141 | $ 26,705,000 | $ 189,397 | $ 244,000 |
| Philadelphia, PA | 139 | $ 18,955,000 | $ 136,366 | $ 190,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 126 | $ 19,620,000 | $ 155,714 | $ 109,000 |
| Durham-Chapel Hill, NC | 120 | $ 23,590,000 | $ 196,583 | $ 181,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 114 | $ 12,830,000 | $ 112,543 | $ 189,245 |
| Boulder, CO | 107 | $ 16,225,000 | $ 151,635 | $ 190,000 |
| Trenton, NJ | 107 | $ 20,215,000 | $ 188,925 | $ 224,000 |
| Hartford-West Hartford-East Hartford, CT | 106 | $ 14,920,000 | $ 140,754 | $ 172,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 101 | $ 15,045,000 | $ 148,960 | $ 150,396 |
| Stockton-Lodi, CA | 101 | $ 17,915,000 | $ 177,376 | $ 172,000 |
| Toledo, OH | 101 | $ 16,975,000 | $ 168,069 | $ 129,000 |
| Palm Bay-Melbourne-Titusville, FL | 89 | $ 15,445,000 | $ 173,539 | $ 141,000 |
| Youngstown-Warren-Boardman, OH-PA | 84 | $ 11,230,000 | $ 133,690 | $ 108,928 |
| Tacoma-Lakewood, WA | 81 | $ 14,005,000 | $ 172,901 | $ 163,000 |
| Colorado Springs, CO | 77 | $ 10,755,000 | $ 139,675 | $ 142,000 |
| Lakeland-Winter Haven, FL | 77 | $ 10,375,000 | $ 134,740 | $ 108,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 75 | $ 11,425,000 | $ 152,333 | $ 162,933 |
| Santa Cruz-Watsonville, CA | 73 | $ 15,115,000 | $ 207,054 | $ 213,000 |
| Louisville/Jefferson County, KY-IN | 72 | $ 11,490,000 | $ 159,583 | $ 154,333 |
| San Rafael, CA | 71 | $ 13,675,000 | $ 192,605 | $ 254,000 |
| Fort Collins, CO | 69 | $ 11,355,000 | $ 164,565 | $ 176,000 |
| Asheville, NC | 63 | $ 10,515,000 | $ 166,904 | $ 136,000 |
| The Villages, FL | 63 | $ 9,545,000 | $ 151,507 | $ 97,000 |
| Lake County-Kenosha County, IL-WI | 61 | $ 10,085,000 | $ 165,327 | $ 192,885 |
| Santa Maria-Santa Barbara, CA | 61 | $ 9,915,000 | $ 162,540 | $ 182,000 |
| Kansas City, MO-KS | 58 | $ 8,740,000 | $ 150,689 | $ 152,000 |
| Warren-Troy-Farmington Hills, MI | 58 | $ 7,080,000 | $ 122,068 | $ 172,000 |
| New Haven-Milford, CT | 57 | $ 9,035,000 | $ 158,508 | $ 156,000 |
| Knoxville, TN | 56 | $ 9,300,000 | $ 166,071 | $ 144,000 |
| Memphis, TN-MS-AR | 56 | $ 6,950,000 | $ 124,107 | $ 153,000 |
| Elgin, IL | 55 | $ 6,375,000 | $ 115,909 | $ 153,000 |
| Ocala, FL | 55 | $ 8,245,000 | $ 149,909 | $ 114,000 |
| Santa Rosa, CA | 53 | $ 7,045,000 | $ 132,924 | $ 164,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 52 | $ 7,810,000 | $ 150,192 | $ 158,000 |
| Rockingham County-Strafford County, NH | 50 | $ 8,230,000 | $ 164,600 | $ 167,000 |
| Sebastian-Vero Beach, FL | 50 | $ 8,510,000 | $ 170,200 | $ 127,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 48 | $ 7,310,000 | $ 152,291 | $ 168,000 |
| Bellingham, WA | 47 | $ 8,105,000 | $ 172,446 | $ 133,000 |
| Manchester-Nashua, NH | 47 | $ 9,355,000 | $ 199,042 | $ 210,000 |
| Winston-Salem, NC | 47 | $ 5,185,000 | $ 110,319 | $ 123,000 |
| Worcester, MA-CT | 45 | $ 7,885,000 | $ 175,222 | $ 172,533 |
| Greensboro-High Point, NC | 44 | $ 5,390,000 | $ 122,500 | $ 143,000 |
| Harrisburg-Carlisle, PA | 44 | $ 6,560,000 | $ 149,090 | $ 152,000 |
| Spokane-Spokane Valley, WA | 43 | $ 6,815,000 | $ 158,488 | $ 151,000 |
| Gainesville, FL | 39 | $ 4,885,000 | $ 125,256 | $ 145,000 |
| Lancaster, PA | 39 | $ 5,765,000 | $ 147,820 | $ 152,000 |
| Pensacola-Ferry Pass-Brent, FL | 39 | $ 5,925,000 | $ 151,923 | $ 131,000 |
| Chattanooga, TN-GA | 38 | $ 8,130,000 | $ 213,947 | $ 169,052 |
| Gary, IN | 38 | $ 5,040,000 | $ 132,631 | $ 140,000 |
| Fresno, CA | 37 | $ 5,175,000 | $ 139,864 | $ 140,000 |
| Greeley, CO | 37 | $ 5,445,000 | $ 147,162 | $ 141,000 |
| Reading, PA | 36 | $ 5,180,000 | $ 143,888 | $ 200,000 |
| York-Hanover, PA | 36 | $ 5,070,000 | $ 140,833 | $ 125,000 |
| Bremerton-Silverdale, WA | 34 | $ 6,140,000 | $ 180,588 | $ 150,000 |
| Vallejo-Fairfield, CA | 34 | $ 4,530,000 | $ 133,235 | $ 156,000 |
| Atlantic City-Hammonton, NJ | 33 | $ 3,855,000 | $ 116,818 | $ 134,000 |
| Tallahassee, FL | 33 | $ 5,775,000 | $ 175,000 | $ 117,000 |
| Bakersfield, CA | 32 | $ 5,060,000 | $ 158,125 | $ 151,000 |
| Gainesville, GA | 32 | $ 3,790,000 | $ 118,437 | $ 282,000 |
| Salinas, CA | 32 | $ 5,200,000 | $ 162,500 | $ 172,000 |
| Barnstable Town, MA | 31 | $ 6,005,000 | $ 193,709 | $ 150,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 31 | $ 4,765,000 | $ 153,709 | $ 112,000 |
| Salem, OR | 31 | $ 4,315,000 | $ 139,193 | $ 156,000 |
| Wilmington, NC | 31 | $ 5,175,000 | $ 166,935 | $ 145,000 |
| Eugene, OR | 27 | $ 4,665,000 | $ 172,777 | $ 167,000 |
| Bend-Redmond, OR | 25 | $ 4,955,000 | $ 198,200 | $ 169,000 |
| Kennewick-Richland, WA | 24 | $ 4,000,000 | $ 166,666 | $ 133,000 |
| Rochester, NY | 24 | $ 3,070,000 | $ 127,916 | $ 106,000 |
| Savannah, GA | 24 | $ 3,050,000 | $ 127,083 | $ 129,000 |
| Crestview-Fort Walton Beach-Destin, FL | 23 | $ 4,345,000 | $ 188,913 | $ 121,000 |
| Hickory-Lenoir-Morganton, NC | 23 | $ 3,315,000 | $ 144,130 | $ 121,000 |
| Lexington-Fayette, KY | 23 | $ 4,105,000 | $ 178,478 | $ 114,000 |
| Modesto, CA | 22 | $ 2,920,000 | $ 132,727 | $ 184,000 |
| Roanoke, VA | 22 | $ 3,780,000 | $ 171,818 | $ 118,000 |
| Albany-Schenectady-Troy, NY | 21 | $ 3,165,000 | $ 150,714 | $ 149,000 |
| Mansfield, OH | 21 | $ 2,815,000 | $ 134,047 | $ 101,000 |
| Milwaukee-Waukesha-West Allis, WI | 21 | $ 2,585,000 | $ 123,095 | $ 200,000 |
| Providence-Warwick, RI-MA | 20 | $ 3,550,000 | $ 177,500 | $ 149,000 |
| Olympia-Tumwater, WA | 19 | $ 3,425,000 | $ 180,263 | $ 150,000 |
| Panama City, FL | 19 | $ 4,395,000 | $ 231,315 | $ 131,000 |
| Springfield, OH | 19 | $ 3,285,000 | $ 172,894 | $ 115,000 |
| Charlottesville, VA | 18 | $ 3,190,000 | $ 177,222 | $ 179,000 |
| Homosassa Springs, FL | 18 | $ 2,830,000 | $ 157,222 | $ 95,000 |
| Athens-Clarke County, GA | 17 | $ 2,725,000 | $ 160,294 | $ 152,000 |
| Chico, CA | 17 | $ 2,485,000 | $ 146,176 | $ 167,000 |
| Fort Wayne, IN | 17 | $ 2,775,000 | $ 163,235 | $ 109,000 |
| Hagerstown-Martinsburg, MD-WV | 17 | $ 1,755,000 | $ 103,235 | $ 104,000 |
| Detroit-Dearborn-Livonia, MI | 16 | $ 2,140,000 | $ 133,750 | $ 201,000 |
| Mount Vernon-Anacortes, WA | 16 | $ 3,040,000 | $ 190,000 | $ 139,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 16 | $ 2,240,000 | $ 140,000 | $ 151,000 |
| Springfield, MO | 16 | $ 2,250,000 | $ 140,625 | $ 135,000 |
| Wenatchee, WA | 16 | $ 2,870,000 | $ 179,375 | $ 185,000 |
| Ann Arbor, MI | 15 | $ 1,995,000 | $ 133,000 | $ 212,000 |
| East Stroudsburg, PA | 15 | $ 2,285,000 | $ 152,333 | $ 121,000 |
| State College, PA | 15 | $ 2,565,000 | $ 171,000 | $ 136,000 |
| Bloomington, IN | 14 | $ 3,020,000 | $ 215,714 | $ 212,000 |
| Fayetteville, NC | 14 | $ 2,020,000 | $ 144,285 | $ 122,000 |
| Napa, CA | 14 | $ 1,950,000 | $ 139,285 | $ 148,000 |
| Norwich-New London, CT | 14 | $ 1,980,000 | $ 141,428 | $ 145,000 |
| Wilmington, DE-MD-NJ | 14 | $ 1,660,000 | $ 118,571 | $ 142,428 |
| Augusta-Richmond County, GA-SC | 13 | $ 1,195,000 | $ 91,923 | $ 102,000 |
| Medford, OR | 13 | $ 2,135,000 | $ 164,230 | $ 125,000 |
| Ocean City, NJ | 13 | $ 1,575,000 | $ 121,153 | $ 137,000 |
| Vineland-Bridgeton, NJ | 13 | $ 1,305,000 | $ 100,384 | $ 70,000 |
| Visalia-Porterville, CA | 13 | $ 2,035,000 | $ 156,538 | $ 95,000 |
| Yuba City, CA | 13 | $ 1,695,000 | $ 130,384 | $ 158,000 |
| Grand Junction, CO | 12 | $ 1,790,000 | $ 149,166 | $ 118,000 |
| Greenville, NC | 12 | $ 1,480,000 | $ 123,333 | $ 148,000 |
| Sebring, FL | 12 | $ 1,670,000 | $ 139,166 | $ 114,000 |
| Springfield, MA | 12 | $ 1,890,000 | $ 157,500 | $ 165,000 |
| Burlington, NC | 11 | $ 1,285,000 | $ 116,818 | $ 116,000 |
| Erie, PA | 11 | $ 1,295,000 | $ 117,727 | $ 137,000 |
| Lebanon, PA | 11 | $ 1,685,000 | $ 153,181 | $ 199,000 |
| Albany, OR | 10 | $ 2,210,000 | $ 221,000 | $ 106,000 |
| Bloomington, IL | 10 | $ 1,130,000 | $ 113,000 | $ 136,000 |
| Cleveland, TN | 10 | $ 1,530,000 | $ 153,000 | $ 146,000 |
| Columbus, GA-AL | 10 | $ 1,240,000 | $ 124,000 | $ 94,000 |
| Lynchburg, VA | 10 | $ 1,510,000 | $ 151,000 | $ 119,000 |
| Macon-Bibb County, GA | 10 | $ 1,560,000 | $ 156,000 | $ 171,000 |
| Rockford, IL | 10 | $ 1,250,000 | $ 125,000 | $ 125,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 1,065,000 | $ 118,333 | $ 113,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 1,935,000 | $ 215,000 | $ 176,000 |
| Grand Rapids-Wyoming, MI | 9 | $ 985,000 | $ 109,444 | $ 162,000 |
| Pueblo, CO | 9 | $ 825,000 | $ 91,666 | $ 73,000 |
| Corvallis, OR | 8 | $ 1,430,000 | $ 178,750 | $ 224,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 770,000 | $ 96,250 | $ 98,250 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,300,000 | $ 162,500 | $ 115,000 |
| Michigan City-La Porte, IN | 8 | $ 1,120,000 | $ 140,000 | $ 155,000 |
| Salisbury, MD-DE | 8 | $ 1,700,000 | $ 212,500 | $ 180,000 |
| Brunswick, GA | 7 | $ 1,095,000 | $ 156,428 | $ 143,000 |
| Merced, CA | 7 | $ 1,655,000 | $ 236,428 | $ 91,000 |
| Peoria, IL | 7 | $ 1,175,000 | $ 167,857 | $ 144,000 |
| Winchester, VA-WV | 7 | $ 845,000 | $ 120,714 | $ 107,000 |
| California-Lexington Park, MD | 6 | $ 940,000 | $ 156,666 | $ 132,000 |
| Longview, WA | 6 | $ 550,000 | $ 91,666 | $ 136,000 |
| New Bern, NC | 6 | $ 1,060,000 | $ 176,666 | $ 100,000 |
| Redding, CA | 6 | $ 630,000 | $ 105,000 | $ 99,000 |
| Rocky Mount, NC | 6 | $ 970,000 | $ 161,666 | $ 158,000 |
| Syracuse, NY | 6 | $ 660,000 | $ 110,000 | $ 76,000 |
| Walla Walla, WA | 6 | $ 1,390,000 | $ 231,666 | $ 93,000 |
| Warner Robins, GA | 6 | $ 350,000 | $ 58,333 | $ 118,000 |
| Columbus, IN | 5 | $ 1,525,000 | $ 305,000 | $ 184,000 |
| Lafayette-West Lafayette, IN | 5 | $ 765,000 | $ 153,000 | $ 137,000 |
| Morristown, TN | 5 | $ 805,000 | $ 161,000 | $ 129,000 |
| Muncie, IN | 5 | $ 825,000 | $ 165,000 | $ 203,000 |
| Rome, GA | 5 | $ 1,175,000 | $ 235,000 | $ 225,000 |
| Utica-Rome, NY | 5 | $ 585,000 | $ 117,000 | $ 170,000 |
| Williamsport, PA | 5 | $ 735,000 | $ 147,000 | $ 128,000 |
| Bloomsburg-Berwick, PA | 4 | $ 500,000 | $ 125,000 | $ 96,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 710,000 | $ 177,500 | $ 142,000 |
| Des Moines-West Des Moines, IA | 4 | $ 580,000 | $ 145,000 | $ 97,000 |
| Evansville, IN-KY | 4 | $ 800,000 | $ 200,000 | $ 294,000 |
| Glens Falls, NY | 4 | $ 530,000 | $ 132,500 | $ 105,000 |
| Grants Pass, OR | 4 | $ 500,000 | $ 125,000 | $ 129,000 |
| Harrisonburg, VA | 4 | $ 560,000 | $ 140,000 | $ 118,000 |
| Jacksonville, NC | 4 | $ 910,000 | $ 227,500 | $ 175,000 |
| Johnson City, TN | 4 | $ 500,000 | $ 125,000 | $ 103,000 |
| Kingston, NY | 4 | $ 540,000 | $ 135,000 | $ 153,000 |
| Madera, CA | 4 | $ 510,000 | $ 127,500 | $ 168,000 |
| Madison, WI | 4 | $ 410,000 | $ 102,500 | $ 130,000 |
| Pittsfield, MA | 4 | $ 410,000 | $ 102,500 | $ 59,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 670,000 | $ 167,500 | $ 106,000 |
| Staunton-Waynesboro, VA | 4 | $ 570,000 | $ 142,500 | $ 119,000 |
| Albany, GA | 3 | $ 315,000 | $ 105,000 | $ 71,000 |
| Binghamton, NY | 3 | $ 305,000 | $ 101,666 | $ 110,000 |
| Columbia, MO | 3 | $ 345,000 | $ 115,000 | $ 180,000 |
| El Centro, CA | 3 | $ 425,000 | $ 141,666 | $ 162,000 |
| Elkhart-Goshen, IN | 3 | $ 215,000 | $ 71,666 | $ 134,000 |
| Flint, MI | 3 | $ 285,000 | $ 95,000 | $ 149,000 |
| Gettysburg, PA | 3 | $ 405,000 | $ 135,000 | $ 174,000 |
| Springfield, IL | 3 | $ 365,000 | $ 121,666 | $ 181,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 135,000 | $ 45,000 | $ 43,000 |
| Bowling Green, KY | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Carbondale-Marion, IL | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Champaign-Urbana, IL | 2 | $ 210,000 | $ 105,000 | $ 158,000 |
| Clarksville, TN-KY | 2 | $ 360,000 | $ 180,000 | $ 132,000 |
| Cumberland, MD-WV | 2 | $ 70,000 | $ 35,000 | $ 28,000 |
| Dalton, GA | 2 | $ 290,000 | $ 145,000 | $ 87,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 410,000 | $ 205,000 | $ 136,000 |
| Fond Du Lac, WI | 2 | $ 130,000 | $ 65,000 | $ 80,000 |
| Green Bay, WI | 2 | $ 260,000 | $ 130,000 | $ 123,000 |
| Hanford-Corcoran, CA | 2 | $ 280,000 | $ 140,000 | $ 153,000 |
| Jackson, MI | 2 | $ 260,000 | $ 130,000 | $ 172,000 |
| Jackson, TN | 2 | $ 400,000 | $ 200,000 | $ 182,000 |
| Joplin, MO | 2 | $ 80,000 | $ 40,000 | $ 90,000 |
| Kalamazoo-Portage, MI | 2 | $ 360,000 | $ 180,000 | $ 505,000 |
| Niles-Benton Harbor, MI | 2 | $ 310,000 | $ 155,000 | $ 52,000 |
| Sheboygan, WI | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| St. Joseph, MO-KS | 2 | $ 300,000 | $ 150,000 | $ 125,000 |
| Valdosta, GA | 2 | $ 90,000 | $ 45,000 | $ 83,000 |
| Yakima, WA | 2 | $ 250,000 | $ 125,000 | $ 138,000 |
| Altoona, PA | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Appleton, WI | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Bay City, MI | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Cape Girardeau, MO-IL | 1 | $ 255,000 | $ 255,000 | $ 199,000 |
| Decatur, IL | 1 | $ 245,000 | $ 245,000 | $ 123,000 |
| Duluth, MN-WI | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Goldsboro, NC | 1 | $ 215,000 | $ 215,000 | $ 219,000 |
| Iowa City, IA | 1 | $ 75,000 | $ 75,000 | $ 124,000 |
| Ithaca, NY | 1 | $ 45,000 | $ 45,000 | $ 199,000 |
| Janesville-Beloit, WI | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Kankakee, IL | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Kokomo, IN | 1 | $ 405,000 | $ 405,000 | $ 250,000 |
| Lansing-East Lansing, MI | 1 | $ 105,000 | $ 105,000 | $ 164,000 |
| Lima, OH | 1 | $ 125,000 | $ 125,000 | $ 151,000 |
| Mankato-North Mankato, MN | 1 | $ 155,000 | $ 155,000 | $ 134,000 |
| Midland, MI | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Monroe, MI | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Owensboro, KY | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Racine, WI | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Saginaw, MI | 1 | $ 125,000 | $ 125,000 | $ 189,000 |
| St. Cloud, MN | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Terre Haute, IN | 1 | $ 55,000 | $ 55,000 | $ 207,000 |
| Wausau, WI | 1 | $ 75,000 | $ 75,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Third Federal Savings and Loan in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 21,309 | $3,034,945,000 | $142,000 | $1,005,000 | $149,000 | $9,600,000 |
| Home Purchase | 13,540 | $3,387,990,000 | $250,000 | $1,005,000 | $117,000 | $7,850,000 |
| Home Improvement | 11,150 | $1,209,710,000 | $108,000 | $1,005,000 | $170,000 | $8,400,000 |
| Refinancing | 7,349 | $1,331,475,000 | $181,000 | $1,005,000 | $137,000 | $2,989,000 |
| Cash-out Refinancing | 6,762 | $1,681,910,000 | $248,000 | $1,005,000 | $145,000 | $1,694,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 40,932 | $7,096,620,000 | $173,000 | $1,005,000 | $140,000 | $9,600,000 |
| Not Provided | 9,067 | $1,703,185,000 | $187,000 | $1,005,000 | $161,000 | $3,626,000 |
| Asian | 3,331 | $710,535,000 | $213,000 | $1,005,000 | $165,000 | $3,832,000 |
| Hispanic | 2,565 | $426,625,000 | $166,000 | $1,005,000 | $134,000 | $8,400,000 |
| Black or African American | 2,225 | $325,355,000 | $146,000 | $1,005,000 | $99,000 | $3,198,000 |
| Not applicable | 189 | $20,995,000 | $111,000 | $455,000 | $64,000 | $254,000 |
| American Indian or Alaskan Native | 169 | $23,335,000 | $138,000 | $895,000 | $119,000 | $540,000 |
| Native Hawaiian or Other Pacific Islander | 28 | $4,380,000 | $156,000 | $535,000 | $139,000 | $557,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 60,110 | $10,646,030,000 | $177,000 | $1,005,000 | $144,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 32,171 | $5,318,845,000 | $165,000 | $1,005,000 | $157,000 | $2,989,000 |
| Application Denied By Financial Institution | 10,546 | $1,615,240,000 | $153,000 | $1,005,000 | $120,000 | $8,400,000 |
| Application Withdrawn By Applicant | 5,600 | $1,055,430,000 | $188,000 | $1,005,000 | $155,000 | $9,600,000 |
| Preapproval Approved but not Accepted | 4,406 | $1,198,310,000 | $271,000 | $1,005,000 | $117,000 | $1,876,000 |
| Preapproval Denied by Financial Institution | 2,823 | $642,815,000 | $227,000 | $1,005,000 | $83,000 | $3,333,000 |
| File Closed For Incompleteness | 2,446 | $451,330,000 | $184,000 | $1,005,000 | $164,000 | $3,151,000 |
| Application Approved But Not Accepted | 1,929 | $343,065,000 | $177,000 | $1,005,000 | $150,000 | $1,284,000 |
| Loan Purchased By The Institution | 189 | $20,995,000 | $111,000 | $455,000 | $64,000 | $254,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 46,741 | $8,387,975,000 | $179,000 | $1,005,000 | $153,000 | $9,600,000 |
| Debt-To-Income Ratio | 7,961 | $1,394,885,000 | $175,000 | $1,005,000 | $78,000 | $694,000 |
| Credit History | 3,651 | $551,075,000 | $150,000 | $1,005,000 | $159,000 | $8,400,000 |
| Collateral | 882 | $123,690,000 | $140,000 | $995,000 | $184,000 | $1,580,000 |
| Credit Application Incomplete | 408 | $83,170,000 | $203,000 | $1,005,000 | $179,000 | $2,512,000 |
| Other | 338 | $79,390,000 | $234,000 | $1,005,000 | $144,000 | $900,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 83 | $15,735,000 | $189,000 | $635,000 | $95,000 | $432,000 |
| Mortgage Insurance Denied | 24 | $5,590,000 | $232,000 | $525,000 | $93,000 | $258,000 |
| Unverifiable Information | 15 | $3,385,000 | $225,000 | $635,000 | $104,000 | $200,000 |
| Employment History | 7 | $1,135,000 | $162,000 | $505,000 | $75,000 | $160,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Third Federal Savings and Loan's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Third Federal Savings and Loan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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