Third Federal Savings and Loan Association of Cleveland: 2025 mortgage rates, costs & approvals
How Third Federal Savings and Loan Association of Cleveland priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Third Federal Savings and Loan Association of Cleveland · LEI 5493008CPTDVOS570626
In 2025, Third Federal Savings and Loan Association of Cleveland originated 3,237 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 25 states — 190th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.34% (all lenders: 6.625%); its median rate spread was 33 basis points below the national median. Median conventional loan costs were $3,480, 38% lower than the national median ($5,570).
It denied 7.8% of completed home-purchase applications (all lenders: 8.5%).
How Third Federal Savings and Loan Association of Cleveland priced home-purchase loans
| Purchase loans, 2025 | Third Federal Savings and Loan Association of Cleveland | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.340% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.740% | 5.875% |
| Rate spread vs. APOR · conventional | −0.19 pts | +0.13 pts |
| Total loan costs · conventional | $3,480 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,100 | $1,860 |
| Borrowers paying discount points | 0.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 1.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Third Federal Savings and Loan Association of Cleveland denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Third Federal Savings and Loan Association of Cleveland lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Ohio | 2,476 | 2,924 | 5.5% | 6.340% | $3,610 |
| Florida | 461 | 694 | 16.0% | 6.290% | $3,050 |
| Kentucky | 65 | 78 | 1.7% | 6.500% | $2,710 |
| Pennsylvania | 32 | 45 | 15.4% | — | $0 |
| North Carolina | 31 | 49 | 23.5% | — | $2,970 |
| Georgia | 26 | 35 | 4.5% | — | — |
| New Jersey | 22 | 34 | 9.5% | — | — |
| Illinois | 20 | 30 | 27.3% | — | — |
| Indiana | 14 | 19 | — | — | — |
| South Carolina | 13 | 19 | — | — | — |
| Tennessee | 13 | 18 | — | — | — |
| Michigan | 12 | 16 | — | — | — |
| Virginia | 10 | 16 | — | — | — |
| Maryland | 9 | 13 | — | — | — |
| California | 8 | 16 | — | — | — |
| Missouri | 7 | 10 | — | — | — |
| Massachusetts | 3 | 7 | — | — | — |
| Washington | 3 | 7 | — | — | — |
| Connecticut | 3 | 6 | — | — | — |
| Oregon | 3 | 4 | — | — | — |
| Arizona | 2 | 3 | — | — | — |
| New Hampshire | 1 | 4 | — | — | — |
| New York | 1 | 4 | — | — | — |
| Colorado | 1 | 2 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Third Federal Savings and Loan Association of Cleveland's page for that state.
Counties where Third Federal Savings and Loan Association of Cleveland is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cuyahoga County, OH | 3 | 816 | 6.0% |
| Medina County, OH | 5 | 144 | 5.2% |
| Lake County, OH | 4 | 174 | 4.8% |
| Lorain County, OH | 6 | 202 | 3.9% |
| Geauga County, OH | 7 | 47 | 3.9% |
| Summit County, OH | 6 | 260 | 3.6% |
| Portage County, OH | 7 | 54 | 2.9% |
| Hamilton County, OH | 14 | 177 | 1.6% |
| Delaware County, OH | 18 | 70 | 1.6% |
| Ohio County, IN | 18 | 1 | 1.5% |
| Wayne County, OH | 18 | 16 | 1.3% |
| Clermont County, OH | 20 | 45 | 1.2% |
| Butler County, OH | 22 | 67 | 1.2% |
| Warren County, OH | 24 | 49 | 1.0% |
| Clinton County, OH | 21 | 6 | 1.0% |
Check Third Federal Savings and Loan Association of Cleveland yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493008CPTDVOS570626.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Third Federal Savings and Loan Association of Cleveland with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology