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Third Federal Savings and Loan in Ohio

HMDA record for properties in Ohio, calendar year 2024. National record · Ohio overview

LEI 5493008CPTDVOS570626
Reporting agency Consumer Financial Protection Bureau
State Ohio

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.

In Ohio, Third Federal Savings and Loan reported 11,758 applications and 7,194 originations for 2024, $965m in all.

Its denial rate in the state was 29.9%, above the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 41.8%.

The median rate spread on its Ohio originations was -0.5 percentage points (state median 0.5).

Applications in the state were down 11% on 2023.

11,758applications in OH, 202426.8% of the lender's total
7,194loans originated$965m
29.9%denial rateOH all lenders 23.5%
-0.5 ppmedian rate spreadOH 0.5 pp

Compared with the state and the lender's national record

MeasureIn OhioOhio, all lendersThird Federal Savings and Loan, all statesUnited States
Denial rate29.9%23.5%41.8%24.3%
Median rate spread, pp-0.50.5-0.60.3
Originations with spread of 1.5 pp or more3.7%17.7%5.7%15.6%
Average originated loan$134k$218k$137k$329k
Home purchase share24.0%51.7%10.8%57.0%
FHA-insured share0.0%12.3%0.0%13.4%
VA-guaranteed share0.0%5.9%0.0%7.9%

Trend by year

ApplicationsOriginations

09,55319,1062022: 19,106 Applications2023: 13,191 Applications2024: 11,758 Applications2022: 13,489 Originations2023: 8,471 Originations2024: 7,194 Originations202220232024
Third Federal Savings and Loan in Ohio: applications and originations, 2022–2024

This lender in stateOhio, all lenders

0%14.9%29.9%2022: 19.1% This lender in state2023: 26.9% This lender in state2024: 29.9% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Ohio

By purpose

Home purchase 24% (1,725)Home improvement 24% (1,693)Refinancing 23% (1,638)Cash-out refinancing 2% (132)Other purpose 28% (2,006)

By type

Conventional 100% (7,194)

Denial reasons as coded

Debt-to-income ratio58.2%
Credit history29.2%
Collateral8.8%
Credit application incomplete1.9%
Other1.8%
Insufficient cash (downpayment, closing costs)0.1%
Employment history0%
Unverifiable information0%
Mortgage insurance denied0%

Share of 3,195 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).

Counties in Ohio

CountyApplicationsOriginationsAmountDenial rate
Cuyahoga County3,1961,998$253m28.7%
Franklin County1,213727$100m30.8%
Summit County961616$82m27.0%
Lorain County717483$67m23.9%
Hamilton County798462$63m32.0%
Lake County685456$62m24.6%
Medina County635456$67m20.2%
Delaware County562350$57m27.5%
Butler County343198$24m33.3%
Geauga County213147$23m24.4%
Clermont County247145$22m29.0%
Portage County247139$17m34.1%
Warren County249138$21m33.8%
Stark County196113$12m32.0%
Licking County15893$12m36.1%
Fairfield County15274$9.4m44.5%
Union County9763$13m23.3%
Montgomery County13861$5.7m49.6%
Wayne County5733$3.8m26.1%
Lucas County5830$2.4m40.7%
Mahoning County5524$2.7m43.2%
Pickaway County4323$2.1m45.2%
Trumbull County4223$2.3m36.8%
Madison County3423$4.2m20.7%
Richland County3722$1.6m35.3%
Greene County4121$2.4m44.7%
Knox County3721$3.0m33.3%
Ashtabula County3117$1.7m41.4%
Clark County3216$2.1m37.0%
Wood County2715$1.5m—
Erie County2515$1.8m32.0%
Morrow County2714$2.1m46.2%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Third Federal Savings and Loan originate in Ohio in 2024?

7,194 loans totalling $965m, from 11,758 applications reported for properties in Ohio.

What is Third Federal Savings and Loan's denial rate in Ohio?

29.9% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Third Federal Savings and Loan lend in most?

By originations: Cuyahoga County (1,998), Franklin County (727), Summit County (616), Lorain County (483), Hamilton County (462).

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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.