Lenders › Third Federal Savings and Loan › Florida
Third Federal Savings and Loan in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida covers 10,915 applications, 4,721 of them originated, worth $607m.
Its denial rate in the state was 49.2%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 41.8%.
The median rate spread on its Florida originations was -0.6 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Third Federal Savings and Loan, all states | United States |
|---|---|---|---|---|
| Denial rate | 49.2% | 29.0% | 41.8% | 24.3% |
| Median rate spread, pp | -0.6 | 0.3 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.8% | 16.4% | 5.7% | 15.6% |
| Average originated loan | $129k | $359k | $137k | $329k |
| Home purchase share | 7.8% | 62.9% | 10.8% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 8% (367)Home improvement 34% (1,583)Refinancing 19% (916)Cash-out refinancing 1% (31)Other purpose 39% (1,824)
By type
Conventional 100% (4,721)
Denial reasons as coded
Share of 4,826 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 1,489 | 646 | $89m | 49.6% |
| Broward County | 1,317 | 499 | $66m | 55.3% |
| Pinellas County | 906 | 476 | $60m | 38.6% |
| Hillsborough County | 937 | 423 | $53m | 47.2% |
| Lee County | 715 | 334 | $39m | 45.8% |
| Pasco County | 521 | 246 | $22m | 45.0% |
| Sarasota County | 451 | 235 | $36m | 40.1% |
| Miami-Dade County | 629 | 204 | $33m | 62.9% |
| Collier County | 378 | 200 | $37m | 37.8% |
| Manatee County | 367 | 193 | $25m | 37.0% |
| Orange County | 422 | 165 | $20m | 54.1% |
| St. Johns County | 186 | 87 | $12m | 41.9% |
| Duval County | 210 | 85 | $10m | 48.6% |
| Seminole County | 191 | 82 | $9.5m | 47.9% |
| Charlotte County | 158 | 67 | $9.7m | 52.5% |
| Polk County | 194 | 66 | $6.1m | 57.9% |
| Brevard County | 172 | 66 | $8.2m | 55.6% |
| Martin County | 123 | 61 | $7.5m | 38.7% |
| Lake County | 162 | 60 | $6.0m | 57.1% |
| Volusia County | 178 | 59 | $6.5m | 60.8% |
| St. Lucie County | 164 | 52 | $6.0m | 62.8% |
| Hernando County | 114 | 52 | $4.9m | 50.5% |
| Osceola County | 130 | 42 | $3.5m | 62.3% |
| Leon County | 74 | 33 | $3.9m | 50.0% |
| Marion County | 83 | 32 | $3.3m | 50.0% |
| Sumter County | 49 | 30 | $4.1m | 24.4% |
| Citrus County | 62 | 29 | $2.4m | 44.4% |
| Flagler County | 53 | 25 | $3.1m | 43.8% |
| Clay County | 51 | 22 | $3.3m | 50.0% |
| Indian River County | 60 | 20 | $2.1m | 62.5% |
| Alachua County | 47 | 18 | $2.3m | 48.7% |
| Santa Rosa County | 49 | 17 | $1.5m | 59.1% |
| Nassau County | 31 | 14 | $1.4m | 42.9% |
| Highlands County | 30 | 12 | $1.4m | 53.8% |
| Okaloosa County | 28 | 12 | $1.4m | — |
| Bay County | 30 | 9 | $865k | 60.0% |
| Escambia County | 28 | 7 | $535k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Third Federal Savings and Loan originate in Florida in 2024?
4,721 loans totalling $607m, from 10,915 applications reported for properties in Florida.
What is Third Federal Savings and Loan's denial rate in Florida?
49.2% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Third Federal Savings and Loan lend in most?
By originations: Palm Beach County (646), Broward County (499), Pinellas County (476), Hillsborough County (423), Lee County (334).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.