Lenders › Third Federal Savings and Loan › California
Third Federal Savings and Loan in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Third Federal Savings and Loan's 2024 HMDA record for California covers 5,297 applications, 2,425 of them originated, worth $398m.
Its denial rate in the state was 46.0%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 41.8%.
The median rate spread on its California originations was -0.4 percentage points (state median 0.4).
Applications in the state were up 16% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Third Federal Savings and Loan, all states | United States |
|---|---|---|---|---|
| Denial rate | 46.0% | 24.8% | 41.8% | 24.3% |
| Median rate spread, pp | -0.4 | 0.4 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.3% | 19.9% | 5.7% | 15.6% |
| Average originated loan | $164k | $566k | $137k | $329k |
| Home purchase share | 1.4% | 51.2% | 10.8% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 1% (35)Home improvement 34% (832)Refinancing 29% (692)Cash-out refinancing 0% (1)Other purpose 36% (865)
By type
Conventional 100% (2,425)
Denial reasons as coded
Share of 2,163 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,103 | 517 | $91m | 44.6% |
| San Diego County | 569 | 276 | $47m | 44.4% |
| Orange County | 577 | 267 | $50m | 46.2% |
| Riverside County | 409 | 180 | $24m | 48.4% |
| San Bernardino County | 283 | 122 | $16m | 49.4% |
| Sacramento County | 242 | 116 | $15m | 43.7% |
| Alameda County | 229 | 113 | $22m | 38.9% |
| Ventura County | 220 | 113 | $18m | 39.0% |
| Contra Costa County | 241 | 106 | $19m | 48.6% |
| Santa Clara County | 192 | 71 | $15m | 54.5% |
| Placer County | 121 | 63 | $9.2m | 39.6% |
| Marin County | 67 | 38 | $7.8m | 32.2% |
| El Dorado County | 59 | 38 | $5.7m | 27.8% |
| Santa Cruz County | 68 | 35 | $5.9m | 41.9% |
| Santa Barbara County | 62 | 34 | $6.8m | 37.5% |
| San Joaquin County | 102 | 32 | $5.1m | 60.7% |
| San Luis Obispo County | 63 | 30 | $5.2m | 39.2% |
| Kern County | 78 | 28 | $2.9m | 58.6% |
| Fresno County | 68 | 27 | $3.1m | 54.0% |
| Sonoma County | 62 | 24 | $3.3m | 51.9% |
| Solano County | 64 | 23 | $3.6m | 56.1% |
| San Mateo County | 64 | 23 | $3.8m | 51.0% |
| San Francisco County | 53 | 23 | $4.6m | 45.2% |
| Stanislaus County | 53 | 19 | $2.3m | 62.0% |
| Monterey County | 32 | 16 | $2.8m | 44.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Third Federal Savings and Loan originate in California in 2024?
2,425 loans totalling $398m, from 5,297 applications reported for properties in California.
What is Third Federal Savings and Loan's denial rate in California?
46.0% of decided applications in California were denied, against 24.8% for all lenders in the state and 41.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Third Federal Savings and Loan lend in most?
By originations: Los Angeles County (517), San Diego County (276), Orange County (267), Riverside County (180), San Bernardino County (122).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.