Third Federal Savings And Loan Association Of Cleveland Mortgage Rates, Fees & Info

Cleveland, OH

LEI: 5493008CPTDVOS570626

Tax ID: 34-0573493

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Review & Overview

Third Federal Savings And Loan Association Of Cleveland is a mid-sized mortgage company specializing in Refi and Home Purchase loans. Third Federal Savings And Loan Association Of Cleveland has a high proportion of conventional loans. Their top markets by origination volume include: Cleveland, Columbus, Cincinnati, Miami, and Tampa among others. We have data for 348 markets. (Some data included below & more in-depth data is available with an active subscription.)

Third Federal Savings And Loan Association Of Cleveland has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Third Federal Savings And Loan Association Of Cleveland is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 4.90% 4/22/24
30 Year Conventional Purchase 6.07% 4/22/24
30 Year Conventional Refi 6.13% 4/22/24
30 Year Cash-out Refi 6.23% 4/22/24
15 Year Conventional Purchase 5.55% 4/22/24
15 Year Conventional Refi 5.61% 4/22/24
15 Year Cash-out Refi 5.61% 4/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Third Federal Savings And Loan Association Of Cleveland Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Third Federal Savings And Loan Association Of Cleveland. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

27,691

Origination Dollar Volume (All Markets)

$3,835,535,000

Employee count

1,079 Show all (93) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6,048 $796,100,000 $131,630 $2,440 4.01%
COLUMBUS, OH (FHA|USDA|VA) 2,575 $429,415,000 $166,763 $2,119 4.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1,948 $300,020,000 $154,014 $2,012 3.98%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1,478 $207,450,000 $140,359 $1,423 4.21%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1,258 $162,370,000 $129,070 $1,350 4.18%
AKRON, OH (FHA|USDA|VA) 1,249 $161,565,000 $129,355 $2,116 4.01%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,081 $146,315,000 $135,352 $736 4.31%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 986 $138,860,000 $140,832 $695 4.39%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 546 $92,520,000 $169,451 $725 4.24%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 540 $85,980,000 $159,222 $620 4.37%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 523 $72,835,000 $139,264 $823 4.28%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 593 $71,295,000 $120,228 $792 4.28%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 488 $66,350,000 $135,963 $786 4.26%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 473 $63,245,000 $133,710 $1,174 4.19%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 411 $62,845,000 $152,908 $1,235 4.05%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 411 $61,435,000 $149,477 $1,218 4.29%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 432 $57,690,000 $133,542 $957 4.18%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 248 $42,100,000 $169,758 $1,181 4.09%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 332 $40,460,000 $121,867 $872 4.33%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 197 $36,605,000 $185,812 $1,245 4.33%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 234 $33,640,000 $143,761 $1,005 4.18%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 239 $30,665,000 $128,305 $591 4.42%
RALEIGH-CARY, NC (FHA|USDA|VA) 191 $30,045,000 $157,304 $1,352 4.07%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 232 $27,060,000 $116,638 $261 4.40%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 192 $26,150,000 $136,198 $783 4.27%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 192 $24,120,000 $125,625 $694 4.31%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 213 $23,655,000 $111,056 $445 4.43%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 139 $20,555,000 $147,878 $1,538 4.17%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 160 $20,500,000 $128,125 $695 4.22%
CANTON-MASSILLON, OH (FHA|USDA|VA) 133 $16,705,000 $125,602 $2,433 4.05%
JACKSONVILLE, FL (FHA|USDA|VA) 125 $15,815,000 $126,520 $858 4.27%
PORT ST. LUCIE, FL (FHA|USDA|VA) 94 $15,090,000 $160,532 $1,498 4.19%
ST. LOUIS, MO-IL (FHA|USDA|VA) 118 $14,080,000 $119,322 $846 4.24%
RICHMOND, VA (FHA|USDA|VA) 87 $11,495,000 $132,126 $1,419 4.28%
DAYTON-KETTERING, OH (FHA|USDA|VA) 73 $10,995,000 $150,616 $2,145 4.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 112 $10,690,000 $95,446 $0 4.43%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 62 $10,660,000 $171,935 $1,218 3.99%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 75 $10,655,000 $142,067 $649 4.22%
Outside of Metro Areas 100 $10,600,000 $106,000 $1,112 4.26%
BOULDER, CO (FHA|USDA|VA) 71 $9,725,000 $136,972 $1,763 4.33%
TOLEDO, OH (FHA|USDA|VA) 65 $9,335,000 $143,615 $1,577 4.03%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 83 $9,205,000 $110,904 $107 4.40%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 63 $8,515,000 $135,159 $1,323 4.14%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 70 $8,480,000 $121,143 $510 4.31%
PITTSBURGH, PA (FHA|USDA|VA) 75 $8,395,000 $111,933 $280 4.35%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 58 $8,240,000 $142,069 $1,169 4.17%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 87 $7,995,000 $91,897 $0 4.42%
LOUISVILLE, KY (FHA|USDA|VA) 48 $7,840,000 $163,333 $1,471 3.97%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 55 $7,705,000 $140,091 $870 4.18%
PUNTA GORDA, FL (FHA|USDA|VA) 63 $6,995,000 $111,032 $688 4.19%
FORT COLLINS, CO (FHA|USDA|VA) 55 $6,715,000 $122,091 $892 4.30%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 41 $6,565,000 $160,122 $801 4.14%
COLORADO SPRINGS, CO (FHA|USDA|VA) 52 $6,540,000 $125,769 $982 4.28%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 51 $5,835,000 $114,412 $488 4.29%
Sandusky, OH (FHA|USDA|VA) 36 $5,540,000 $153,889 $2,282 3.79%
THE VILLAGES, FL (FHA|USDA|VA) 35 $5,485,000 $156,714 $733 4.10%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 40 $5,170,000 $129,250 $679 4.24%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 26 $5,090,000 $195,769 $1,962 4.03%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 38 $4,760,000 $125,263 $98 4.40%
ASHEVILLE, NC (FHA|USDA|VA) 40 $4,740,000 $118,500 $1,606 4.30%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 26 $4,670,000 $179,615 $911 4.41%
Wooster, OH (FHA|USDA|VA) 36 $4,380,000 $121,667 $2,167 4.07%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 31 $4,335,000 $139,839 $2,072 4.04%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 37 $4,315,000 $116,622 $299 4.20%
STOCKTON, CA (FHA|USDA|VA) 38 $4,240,000 $111,579 $1,092 4.43%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 25 $4,235,000 $169,400 $1,170 4.27%
KNOXVILLE, TN (FHA|USDA|VA) 33 $4,175,000 $126,515 $721 4.25%
GREELEY, CO (FHA|USDA|VA) 35 $4,085,000 $116,714 $865 4.33%
WORCESTER, MA-CT (FHA|USDA|VA) 36 $4,060,000 $112,778 $295 4.36%
Ashtabula, OH (FHA|USDA|VA) 34 $3,980,000 $117,059 $2,557 3.99%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 17 $3,965,000 $233,235 $1,446 4.00%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 35 $3,835,000 $109,571 $760 4.25%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 29 $3,725,000 $128,448 $1,645 4.31%
BELLINGHAM, WA (FHA|USDA|VA) 32 $3,690,000 $115,313 $1,346 4.33%
KANSAS CITY, MO-KS (FHA|USDA|VA) 31 $3,645,000 $117,581 $646 4.23%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 29 $3,625,000 $125,000 $612 4.23%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 25 $3,455,000 $138,200 $891 4.19%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 28 $3,190,000 $113,929 $595 4.36%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 21 $3,165,000 $150,714 $840 4.25%
FRESNO, CA (FHA|USDA|VA) 26 $3,160,000 $121,538 $506 4.37%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 25 $2,865,000 $114,600 $2,144 4.15%
GAINESVILLE, FL (FHA|USDA|VA) 22 $2,860,000 $130,000 $553 4.24%
VALLEJO, CA (FHA|USDA|VA) 30 $2,790,000 $93,000 $0 4.57%
OCALA, FL (FHA|USDA|VA) 24 $2,790,000 $116,250 $538 4.30%
Mount Vernon, OH (FHA|USDA|VA) 14 $2,730,000 $195,000 $2,711 3.91%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 23 $2,715,000 $118,043 $148 4.43%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 26 $2,700,000 $103,846 $1,156 4.27%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 29 $2,665,000 $91,897 $1,957 4.27%
LANCASTER, PA (FHA|USDA|VA) 25 $2,615,000 $104,600 $507 4.36%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 13 $2,495,000 $191,923 $1,236 4.17%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 22 $2,410,000 $109,545 $620 4.30%
BEND, OR (FHA|USDA|VA) 16 $2,270,000 $141,875 $620 4.39%
WINSTON-SALEM, NC (FHA|USDA|VA) 15 $2,245,000 $149,667 $991 4.17%
Truckee-Grass Valley, CA (FHA|USDA|VA) 15 $2,215,000 $147,667 $1,711 4.26%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 18 $2,080,000 $115,556 $3,078 4.27%
SPRINGFIELD, MA (FHA|USDA|VA) 18 $2,030,000 $112,778 $0 4.43%
NAPA, CA (FHA|USDA|VA) 19 $2,025,000 $106,579 $0 4.50%
TALLAHASSEE, FL (FHA|USDA|VA) 17 $2,015,000 $118,529 $3,163 4.12%
MODESTO, CA (FHA|USDA|VA) 22 $1,990,000 $90,455 $0 4.43%
ANN ARBOR, MI (FHA|USDA|VA) 18 $1,980,000 $110,000 $0 4.43%
SPRINGFIELD, OH (FHA|USDA|VA) 12 $1,930,000 $160,833 $1,616 4.22%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $1,785,000 $137,308 $797 4.17%
SALEM, OR (FHA|USDA|VA) 16 $1,710,000 $106,875 $295 4.29%
YORK-HANOVER, PA (FHA|USDA|VA) 16 $1,680,000 $105,000 $1,175 4.18%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 17 $1,665,000 $97,941 $1,490 4.23%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 16 $1,660,000 $103,750 $0 4.46%
SALINAS, CA (FHA|USDA|VA) 12 $1,600,000 $133,333 $295 4.39%
Ashland, OH (FHA|USDA|VA) 9 $1,505,000 $167,222 $1,464 4.07%
SAVANNAH, GA (FHA|USDA|VA) 16 $1,500,000 $93,750 $3,553 4.40%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 8 $1,400,000 $175,000 $1,409 4.04%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 12 $1,380,000 $115,000 $295 4.20%
BAKERSFIELD, CA (FHA|USDA|VA) 12 $1,350,000 $112,500 $148 4.45%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 13 $1,345,000 $103,462 $1,578 4.01%
Key West, FL (FHA|USDA|VA) 9 $1,275,000 $141,667 $295 4.39%
Bellefontaine, OH (FHA|USDA|VA) 10 $1,260,000 $126,000 $1,484 4.07%
ROCHESTER, NY (FHA|USDA|VA) 11 $1,235,000 $112,273 $1,327 4.16%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 13 $1,215,000 $93,462 $595 4.22%
Norwalk, OH (FHA|USDA|VA) 8 $1,210,000 $151,250 $2,631 4.13%
READING, PA (FHA|USDA|VA) 11 $1,195,000 $108,636 $3,803 4.37%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 12 $1,180,000 $98,333 $0 4.45%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $1,180,000 $196,667 $1,336 3.89%
WENATCHEE, WA (FHA|USDA|VA) 9 $1,155,000 $128,333 $295 4.30%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 11 $1,155,000 $105,000 $295 4.24%
WILMINGTON, NC (FHA|USDA|VA) 12 $1,150,000 $95,833 $1,022 4.35%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 8 $1,150,000 $143,750 $2,893 4.33%
STATE COLLEGE, PA (FHA|USDA|VA) 5 $1,055,000 $211,000 $2,800 3.91%
SPRINGFIELD, MO (FHA|USDA|VA) 8 $1,000,000 $125,000 $1,554 4.04%
MEDFORD, OR (FHA|USDA|VA) 7 $985,000 $140,714 $295 4.22%
ROANOKE, VA (FHA|USDA|VA) 9 $975,000 $108,333 $1,129 4.54%
ERIE, PA (FHA|USDA|VA) 7 $975,000 $139,286 $1,251 4.20%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 15 $975,000 $65,000 $619 4.45%
FORT WAYNE, IN (FHA|USDA|VA) 7 $905,000 $129,286 $1,140 4.14%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 8 $900,000 $112,500 $1,018 4.17%
Arcadia, FL (FHA|USDA|VA) 5 $895,000 $179,000 $1,757 3.79%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $875,000 $175,000 $1,207 3.96%
Edwards, CO (FHA|USDA|VA) 6 $790,000 $131,667 $295 4.22%
YUBA CITY, CA (FHA|USDA|VA) 8 $780,000 $97,500 $0 4.51%
CORVALLIS, OR (FHA|USDA|VA) 7 $775,000 $110,714 $0 4.31%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 8 $760,000 $95,000 $5,782 4.26%
CHICO, CA (FHA|USDA|VA) 9 $745,000 $82,778 $0 4.60%
Findlay, OH (FHA|USDA|VA) 5 $735,000 $147,000 $2,219 4.02%
GAINESVILLE, GA (FHA|USDA|VA) 9 $735,000 $81,667 $0 4.43%
Hood River, OR (FHA|USDA|VA) 5 $725,000 $145,000 $0 4.39%
OCEAN CITY, NJ (FHA|USDA|VA) 6 $720,000 $120,000 $1,380 4.06%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $720,000 $180,000 $1,238 3.73%
MANSFIELD, OH (FHA|USDA|VA) 7 $715,000 $102,143 $1,387 4.01%
VISALIA, CA (FHA|USDA|VA) 7 $705,000 $100,714 $0 4.35%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $695,000 $139,000 $295 4.18%
Wilmington, OH (FHA|USDA|VA) 5 $685,000 $137,000 $3,791 4.00%
Fremont, OH (FHA|USDA|VA) 7 $685,000 $97,857 $236 4.18%
Morehead City, NC (FHA|USDA|VA) 4 $660,000 $165,000 $458 4.18%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $650,000 $81,250 $295 4.25%
LONGVIEW, WA (FHA|USDA|VA) 5 $645,000 $129,000 $295 4.22%
Glenwood Springs, CO (FHA|USDA|VA) 7 $635,000 $90,714 $295 4.39%
PANAMA CITY, FL (FHA|USDA|VA) 7 $625,000 $89,286 $295 4.32%
MORRISTOWN, TN (FHA|USDA|VA) 5 $625,000 $125,000 $295 4.03%
NEW BERN, NC (FHA|USDA|VA) 4 $620,000 $155,000 $295 3.95%
SYRACUSE, NY (FHA|USDA|VA) 6 $610,000 $101,667 $4,241 4.31%
Oak Harbor, WA (FHA|USDA|VA) 6 $590,000 $98,333 $0 4.37%
Marion, OH (FHA|USDA|VA) 6 $590,000 $98,333 $4,537 3.93%
WINCHESTER, VA-WV (FHA|USDA|VA) 6 $580,000 $96,667 $295 4.30%
ALBANY-LEBANON, OR (FHA|USDA|VA) 6 $570,000 $95,000 $0 4.24%
Torrington, CT (FHA|USDA|VA) 6 $570,000 $95,000 $2,297 4.22%
YAKIMA, WA (FHA|USDA|VA) 6 $550,000 $91,667 $0 4.45%
Portsmouth, OH (FHA|USDA|VA) 3 $545,000 $181,667 $2,586 3.52%
Athens, OH (FHA|USDA|VA) 2 $540,000 $270,000 $3,846 3.32%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 5 $535,000 $107,000 $0 4.44%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $520,000 $130,000 $295 4.37%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 5 $515,000 $103,000 $0 4.49%
Breckenridge, CO (FHA|USDA|VA) 4 $510,000 $127,500 $0 3.99%
Sevierville, TN (FHA|USDA|VA) 4 $510,000 $127,500 $1,733 3.93%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $500,000 $125,000 $295 4.35%
LYNCHBURG, VA (FHA|USDA|VA) 5 $485,000 $97,000 $295 4.22%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $480,000 $120,000 $295 4.34%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $480,000 $120,000 $1,056 3.84%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 6 $480,000 $80,000 $0 4.49%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $465,000 $66,429 $0 4.28%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $460,000 $115,000 $295 4.15%
KINGSTON, NY (FHA|USDA|VA) 4 $460,000 $115,000 $0 4.43%
Galesburg, IL (FHA|USDA|VA) 1 $455,000 $455,000 $2,881 2.84%
Ukiah, CA (FHA|USDA|VA) 3 $445,000 $148,333 $2,764 3.51%
Lake City, FL (FHA|USDA|VA) 2 $440,000 $220,000 $295 4.42%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $440,000 $220,000 $295 4.57%
REDDING, CA (FHA|USDA|VA) 5 $435,000 $87,000 $0 4.44%
Jefferson, GA (FHA|USDA|VA) 4 $430,000 $107,500 $295 4.44%
CLEVELAND, TN (FHA|USDA|VA) 4 $420,000 $105,000 $295 4.47%
Wapakoneta, OH (FHA|USDA|VA) 1 $405,000 $405,000 $295 3.49%
MERCED, CA (FHA|USDA|VA) 4 $400,000 $100,000 $0 4.43%
Crossville, TN (FHA|USDA|VA) 5 $395,000 $79,000 $0 4.44%
COLUMBIA, MO (FHA|USDA|VA) 4 $390,000 $97,500 $1,214 3.89%
Eureka-Arcata, CA (FHA|USDA|VA) 3 $385,000 $128,333 $148 4.49%
STAUNTON, VA (FHA|USDA|VA) 2 $370,000 $185,000 $1,852 3.72%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $360,000 $180,000 $295 4.14%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 4 $360,000 $90,000 $0 4.49%
Frankfort, KY (FHA|USDA|VA) 3 $355,000 $118,333 $295 4.06%
Jackson, OH (FHA|USDA|VA) 3 $355,000 $118,333 $148 4.56%
Cookeville, TN (FHA|USDA|VA) 3 $355,000 $118,333 $295 4.32%
ROCKFORD, IL (FHA|USDA|VA) 4 $350,000 $87,500 $295 4.28%
Ottawa, IL (FHA|USDA|VA) 4 $340,000 $85,000 $295 4.02%
MADERA, CA (FHA|USDA|VA) 4 $340,000 $85,000 $0 4.62%
Steamboat Springs, CO (FHA|USDA|VA) 3 $335,000 $111,667 $0 4.24%
EAST STROUDSBURG, PA (FHA|USDA|VA) 5 $335,000 $67,000 $148 4.51%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $335,000 $111,667 $0 4.16%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $335,000 $335,000 $295 3.79%
WALLA WALLA, WA (FHA|USDA|VA) 3 $325,000 $108,333 $295 4.32%
Chillicothe, OH (FHA|USDA|VA) 2 $320,000 $160,000 $2,995 3.94%
Brevard, NC (FHA|USDA|VA) 3 $315,000 $105,000 $295 4.09%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 3 $305,000 $101,667 $295 4.31%
PUEBLO, CO (FHA|USDA|VA) 3 $305,000 $101,667 $295 4.17%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $305,000 $305,000 $295 3.79%
Urbana, OH (FHA|USDA|VA) 3 $305,000 $101,667 $1,390 4.11%
Port Angeles, WA (FHA|USDA|VA) 2 $290,000 $145,000 $0 4.49%
Shelton, WA (FHA|USDA|VA) 2 $280,000 $140,000 $295 4.12%
GREENVILLE, NC (FHA|USDA|VA) 4 $280,000 $70,000 $295 4.39%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $280,000 $140,000 $295 3.89%
BURLINGTON, NC (FHA|USDA|VA) 3 $275,000 $91,667 $0 4.16%
DALTON, GA (FHA|USDA|VA) 4 $270,000 $67,500 $3,092 4.09%
BRUNSWICK, GA (FHA|USDA|VA) 2 $260,000 $130,000 $0 4.37%
DULUTH, MN-WI (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.24%
Forest City, NC (FHA|USDA|VA) 2 $250,000 $125,000 $0 4.24%
Durango, CO (FHA|USDA|VA) 4 $250,000 $62,500 $0 4.18%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $245,000 $81,667 $295 4.31%
MADISON, WI (FHA|USDA|VA) 3 $235,000 $78,333 $0 4.32%
Sonora, CA (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.49%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.49%
Traverse City, MI (FHA|USDA|VA) 2 $230,000 $115,000 $0 4.49%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $230,000 $115,000 $295 4.24%
GETTYSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $295 3.29%
PITTSFIELD, MA (FHA|USDA|VA) 3 $225,000 $75,000 $0 4.41%
Auburn, NY (FHA|USDA|VA) 1 $225,000 $225,000 $2,836 2.84%
Marietta, OH (FHA|USDA|VA) 2 $220,000 $110,000 $3,961 3.87%
Rochelle, IL (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.49%
Centralia, WA (FHA|USDA|VA) 2 $220,000 $110,000 $0 4.37%
Toccoa, GA (FHA|USDA|VA) 2 $220,000 $110,000 $295 3.94%
Salem, OH (FHA|USDA|VA) 3 $215,000 $71,667 $295 3.92%
Boone, NC (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.49%
PEORIA, IL (FHA|USDA|VA) 4 $210,000 $52,500 $0 4.43%
Roseburg, OR (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.49%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.49%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $210,000 $105,000 $0 4.24%
Moses Lake, WA (FHA|USDA|VA) 3 $205,000 $68,333 $0 4.49%
CaƱon City, CO (FHA|USDA|VA) 3 $205,000 $68,333 $0 4.49%
KANKAKEE, IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,686 3.49%
Clearlake, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.49%
IOWA CITY, IA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.99%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $0 4.37%
FLINT, MI (FHA|USDA|VA) 3 $195,000 $65,000 $0 4.49%
Warrensburg, MO (FHA|USDA|VA) 1 $195,000 $195,000 $295 3.69%
Keene, NH (FHA|USDA|VA) 3 $195,000 $65,000 $295 4.32%
Dublin, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,289 3.69%
Cambridge, OH (FHA|USDA|VA) 2 $190,000 $95,000 $4,336 4.12%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.49%
Crawfordsville, IN (FHA|USDA|VA) 2 $180,000 $90,000 $2,023 3.87%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $180,000 $90,000 $0 4.92%
HARRISONBURG, VA (FHA|USDA|VA) 3 $175,000 $58,333 $0 4.49%
Plymouth, IN (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.49%
Brookings, OR (FHA|USDA|VA) 2 $170,000 $85,000 $0 4.24%
Lebanon, NH-VT (FHA|USDA|VA) 2 $170,000 $85,000 $0 4.49%
EL CENTRO, CA (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.54%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.49%
AMES, IA (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.24%
FOND DU LAC, WI (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.24%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.24%
Prineville, OR (FHA|USDA|VA) 2 $160,000 $80,000 $0 4.49%
St. Marys, GA (FHA|USDA|VA) 3 $155,000 $51,667 $0 4.49%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $155,000 $155,000 $295 3.39%
Klamath Falls, OR (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.49%
Albemarle, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.24%
Murray, KY (FHA|USDA|VA) 2 $150,000 $75,000 $295 4.19%
MUNCIE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $295 3.89%
RACINE, WI (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.49%
GLENS FALLS, NY (FHA|USDA|VA) 2 $140,000 $70,000 $0 4.49%
Zanesville, OH (FHA|USDA|VA) 3 $135,000 $45,000 $295 3.99%
Sidney, OH (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.32%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.49%
KOKOMO, IN (FHA|USDA|VA) 3 $135,000 $45,000 $0 4.49%
Shelbyville, TN (FHA|USDA|VA) 2 $130,000 $65,000 $295 4.34%
Malone, NY (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.49%
Aberdeen, WA (FHA|USDA|VA) 1 $125,000 $125,000 $0 4.24%
Shelby, NC (FHA|USDA|VA) 3 $125,000 $41,667 $0 5.02%
Concord, NH (FHA|USDA|VA) 3 $125,000 $41,667 $0 4.41%
Washington Court House, OH (FHA|USDA|VA) 2 $120,000 $60,000 $2,156 3.94%
Angola, IN (FHA|USDA|VA) 2 $120,000 $60,000 $0 4.49%
Sikeston, MO (FHA|USDA|VA) 1 $115,000 $115,000 $295 3.29%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $110,000 $55,000 $0 5.37%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.49%
Athens, TN (FHA|USDA|VA) 2 $110,000 $55,000 $0 4.49%
Seneca Falls, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Red Bluff, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Palatka, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.24%
Bedford, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Newport, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
WHEELING, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Marion, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Somerset, KY (FHA|USDA|VA) 1 $105,000 $105,000 $75 5.34%
DUBUQUE, IA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Easton, MD (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
GRANTS PASS, OR (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
Summerville, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.49%
HINESVILLE, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.49%
Statesboro, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.49%
BINGHAMTON, NY (FHA|USDA|VA) 2 $90,000 $45,000 $0 4.49%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.49%
NILES, MI (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.49%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.49%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.49%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.49%
Marion, IN (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.49%
Frankfort, IN (FHA|USDA|VA) 2 $80,000 $40,000 $0 4.24%
Crescent City, CA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
UTICA-ROME, NY (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
Menomonie, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
Paris, TN (FHA|USDA|VA) 1 $75,000 $75,000 $295 3.69%
GREEN BAY, WI (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
JACKSON, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
Danville, KY (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.49%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.49%
Meadville, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.49%
LEBANON, PA (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.99%
Tiffin, OH (FHA|USDA|VA) 2 $60,000 $30,000 $0 4.87%
Holland, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
St. Marys, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
Fort Dodge, IA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
FARGO, ND-MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
Bardstown, KY (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.39%
ALTOONA, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.49%
Pottsville, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.99%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.49%
LaGrange, GA-AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.49%
Albert Lea, MN (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.49%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.49%
Craig, CO (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.24%
Ludington, MI (FHA|USDA|VA) 1 $45,000 $45,000 $0 4.49%
Batavia, NY (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.24%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.24%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.49%
Coshocton, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.49%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.49%
Laconia, NH (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.49%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $25,000 $25,000 $0 4.24%
LIMA, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.99%
MONROE, MI (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.49%
Quincy, IL-MO (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.24%
APPLETON, WI (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.74%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $15,000 $15,000 $0 4.49%
Third Federal Savings And Loan Association Of Cleveland's top markets include Cleveland, Columbus, Cincinnati, Miami, and Tampa among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 16,956 $1,599,460,000 $94,330 n/a 4.37%
    Conventional 10,735 $2,236,075,000 $208,298 $1,860 3.80%

    For 2019, Third Federal Savings And Loan Association Of Cleveland's most frequently originated type of loan was HELOC, with 16,956 originations. Their 2nd most popular type was Conventional, with 10,735 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 7,366 $946,390,000 $128,481 $1,007 4.23%
    Other 6,923 $598,375,000 $86,433 $298 4.39%
    Home Purchase 5,996 $1,271,140,000 $211,998 $2,525 3.80%
    Home Improvement 4,825 $390,005,000 $80,830 $197 4.43%
    Cash Out Refi 2,581 $629,625,000 $243,946 $1,458 3.58%

    For 2019, Third Federal Savings And Loan Association Of Cleveland's most frequently cited loan purpose was Refi, with 7,366 originations. The 2nd most popular reason was Other, with 6,923 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 24,611 $3,373,585,000 $137,076 $2,069 4.19%
    10 Year 1,482 $189,960,000 $128,178 $667 4.13%
    15 Year 1,304 $240,750,000 $184,624 $2,197 3.38%
    5 Year 138 $4,900,000 $35,507 $1 5.05%
    Other 88 $14,640,000 $166,364 $1,574 3.78%
    20 Year 61 $11,315,000 $185,492 $1,946 3.83%
    30+ year 7 $385,000 $55,000 $0 5.26%

    For 2019, Third Federal Savings And Loan Association Of Cleveland's most frequently cited loan duration was 30 Year, with 24,611 originations. The 2nd most popular length was 10 Year, with 1,482 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 6,067 $1,196,065,000 $197,143
    $1k-2k 4,247 $935,115,000 $220,182
    $5k+ 155 $49,195,000 $317,387
    $4k-5k 87 $23,035,000 $264,770
    $3k-4k 86 $17,920,000 $208,372
    $2k-3k 62 $12,180,000 $196,452

    Third Federal Savings And Loan Association Of Cleveland's average total fees were $2,069, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,067 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 16,768 $1,742,520,000 $103,919
    3-4% 9,660 $1,912,420,000 $197,973
    5-6% 648 $36,330,000 $56,065
    2.5-3% 595 $141,975,000 $238,613
    <2.5% 17 $2,145,000 $126,176
    6-7% 2 $100,000 $50,000
    7-8% 1 $45,000 $45,000

    During 2019, Third Federal Savings And Loan Association Of Cleveland's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 4-5%, with 16,768 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 11,540 $628,560,000 $54,468 $1,043 4.37%
    $100k-200k 9,967 $1,386,215,000 $139,080 $1,753 4.10%
    $200k-400k 5,302 $1,352,040,000 $255,006 $2,265 3.86%
    $400k-600k 661 $307,975,000 $465,923 $2,538 3.58%
    $600k-1MM 213 $152,605,000 $716,455 $2,085 3.42%
    $1MM+ 8 $8,140,000 $1,017,500 $3,343 3.38%

    2019 saw Third Federal Savings And Loan Association Of Cleveland place emphasis on $100,000 or less loans with 11,540 originations, totaling $628,560,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 7,425 $1,031,485,000 $138,921 $1,905 4.14%
    $150k-250k 7,071 $1,149,375,000 $162,548 $1,917 4.18%
    $75k-100k 4,136 $491,400,000 $118,810 $1,822 4.12%
    $50k-75k 3,872 $402,800,000 $104,029 $1,788 4.12%
    $250k+ 2,736 $543,970,000 $198,819 $2,022 4.18%
    $50k or less 2,325 $203,715,000 $87,619 $1,730 4.14%

    Third Federal Savings And Loan Association Of Cleveland lent most frequently to those with incomes in the $100k-150k range, with 7,425 originations. The second most popular income band? $150k-250k, with 7,071 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 9,467 $1,335,835,000 $141,104 $1,934 4.12%
    30-36% 6,869 $1,013,015,000 $147,476 $1,829 4.15%
    <20% 4,554 $574,120,000 $126,069 $1,945 4.12%
    40% 1,613 $204,775,000 $126,953 $1,441 4.30%
    36% 1,081 $152,195,000 $140,791 $1,601 4.16%
    39% 1,060 $149,300,000 $140,849 $1,658 4.23%
    38% 944 $133,700,000 $141,631 $1,581 4.19%
    37% 922 $131,360,000 $142,473 $1,837 4.18%
    41% 765 $84,615,000 $110,608 $1,493 4.31%
    >60% 66 $6,540,000 $99,091 $1,246 3.87%
    42% 52 $9,600,000 $184,615 $2,817 3.77%
    43% 44 $6,550,000 $148,864 $2,546 3.77%
    44% 41 $5,035,000 $122,805 $2,723 3.72%
    45% 41 $6,325,000 $154,268 $2,240 3.69%
    49% 41 $5,825,000 $142,073 $2,011 3.89%
    47% 33 $5,185,000 $157,121 $2,850 3.97%
    46% 30 $4,000,000 $133,333 $2,153 3.93%
    48% 23 $3,505,000 $152,391 $2,430 3.89%
    50-60% 14 $1,490,000 $106,429 $2,826 3.88%

    Third Federal Savings And Loan Association Of Cleveland lent most frequently to those with DTI ratios of 20-30%, with 9,467 originations. The next most common DTI ratio? 30-36%, with 6,869 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 21,856 $2,967,720,000 $135,785 $1,873 4.14%
    Not provided 3,277 $467,885,000 $142,778 $1,781 4.19%
    Asian 1,276 $216,010,000 $169,287 $1,893 4.11%
    Asian Indian 344 $67,780,000 $197,035 $1,354 4.06%
    Black 560 $63,680,000 $113,714 $2,031 4.09%
    Chinese 70 $12,530,000 $179,000 $1,167 4.14%
    American Indian 99 $11,325,000 $114,394 $1,776 4.30%
    Filipino 50 $6,980,000 $139,600 $622 4.19%
    Other Asian 48 $6,850,000 $142,708 $1,445 4.28%
    Vietnamese 34 $4,880,000 $143,529 $202 4.51%
    Korean 31 $4,275,000 $137,903 $1,258 4.36%
    Native Hawaiian or Islander 21 $2,445,000 $116,429 $1,346 4.30%
    Japanese 13 $2,005,000 $154,231 $9,604 4.20%
    Other Pacific Islander 10 $1,050,000 $105,000 $0 4.39%
    2 $120,000 $60,000 $0 4.49%

    Approval Rates

    Total approvals of all applications
    78.77%

    Third Federal Savings And Loan Association Of Cleveland has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.08%

    Third Federal Savings And Loan Association Of Cleveland has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 27,691 $3,835,535,000 $138,512

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 27,691 $3,835,535,000 $138,512

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 6,844 $800,770,000 $117,003 $879 4.30%
    40-60% 2,974 $493,630,000 $165,982 $1,496 3.96%
    60-80% 4,430 $977,850,000 $220,734 $2,160 3.76%
    80-100% 3,609 $862,975,000 $239,117 $2,356 3.75%
    Over 100% 1 $55,000 $55,000 $0 5.24%
    Under 20% 9,802 $697,690,000 $71,178 $83 4.42%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    TRIAD FINANCIAL SERVICES, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%
    TRIAD FINANCIAL SERVICES, INC. Conventional home mortgage Closing on a mortgage 2 28.6%
    TRIAD FINANCIAL SERVICES, INC. Conventional home mortgage Trouble during payment process 2 28.6%
    TRIAD FINANCIAL SERVICES, INC. Other type of mortgage Closing on a mortgage 1 14.3%
    TRIAD FINANCIAL SERVICES, INC. Other type of mortgage Trouble during payment process 1 14.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Third Federal Savings and Loan Association of Cleveland 10642 Lorain Avenue Cleveland, OH 44111 Full Service B&M $96,015
    Third Federal Savings and Loan Association of Cleveland 11701 Us Highway 1, Suite B North Palm Beach, FL 33408 Full Service B&M $207,165
    Third Federal Savings and Loan Association of Cleveland 11707 N Dale Mabry Highway Tampa, FL 33618 Full Service B&M $130,127
    Third Federal Savings and Loan Association of Cleveland 12594 Rockside Road Garfield Heights, OH 44125 Full Service B&M $229,621
    Third Federal Savings and Loan Association of Cleveland 13908 Cedar Road University Heights, OH 44118 Full Service B&M $132,344
    Third Federal Savings and Loan Association of Cleveland 1410 Pine Ridge Road Naples, FL 34108 Full Service B&M $139,836
    Third Federal Savings and Loan Association of Cleveland 15086 Jog Road Delray Beach, FL 33446 Full Service B&M $182,606
    Third Federal Savings and Loan Association of Cleveland 1616 Snow Road Parma, OH 44134 Full Service B&M $469,250
    Third Federal Savings and Loan Association of Cleveland 18380 Royalton Road Strongsville, OH 44136 Full Service B&M $265,474
    Third Federal Savings and Loan Association of Cleveland 1900 West 25th Street Cleveland, OH 44113 Full Service B&M $54,722
    Third Federal Savings and Loan Association of Cleveland 21651 Center Ridge Road Rocky River, OH 44116 Full Service B&M $255,918
    Third Federal Savings and Loan Association of Cleveland 22332 Lake Shore Blvd. Euclid, OH 44123 Full Service B&M $90,578
    Third Federal Savings and Loan Association of Cleveland 2360 North University Drive Coral Springs, FL 33065 Full Service B&M $82,949
    Third Federal Savings and Loan Association of Cleveland 25301 South Tamiami Trail Bonita Springs, FL 34134 Full Service B&M $86,647
    Third Federal Savings and Loan Association of Cleveland 262 37th Avenue North Saint Petersburg, FL 33704 Full Service B&M $187,157
    Third Federal Savings and Loan Association of Cleveland 26949 Lorain Road North Olmsted, OH 44070 Full Service B&M $375,227
    Third Federal Savings and Loan Association of Cleveland 2875 West Market Street Fairlawn, OH 44333 Full Service B&M $156,942
    Third Federal Savings and Loan Association of Cleveland 29247 Us. Hwy. 19 North Clearwater, FL 33761 Full Service B&M $244,641
    Third Federal Savings and Loan Association of Cleveland 35592 Detroit Road Avon, OH 44011 Full Service B&M $198,097
    Third Federal Savings and Loan Association of Cleveland 3890 Center Road Brunswick, OH 44212 Full Service B&M $247,590
    Third Federal Savings and Loan Association of Cleveland 4018 Medina Rd, Suite A Medina, OH 44256 Full Service B&M $149,461
    Third Federal Savings and Loan Association of Cleveland 4048 Jenkins Place Sarasota, FL 34238 Full Service B&M $286,731
    Third Federal Savings and Loan Association of Cleveland 490 Howe Avenue Cuyahoga Falls, OH 44221 Full Service B&M $156,494
    Third Federal Savings and Loan Association of Cleveland 5030 S Cleveland Avenue Fort Myers, FL 33907 Full Service B&M $165,966
    Third Federal Savings and Loan Association of Cleveland 5780 Mayfield Road Mayfield Heights, OH 44124 Full Service B&M $361,147
    Third Federal Savings and Loan Association of Cleveland 5950 Ridge Road Parma, OH 44129 Full Service B&M $398,976
    Third Federal Savings and Loan Association of Cleveland 6125 Lake Worth Road Greenacres, FL 33463 Full Service B&M $181,386
    Third Federal Savings and Loan Association of Cleveland 6849 Pearl Road Middleburg Heights, OH 44130 Full Service B&M $442,511
    Third Federal Savings and Loan Association of Cleveland 70 S Dixie Hwy, Suite B Boca Raton, FL 33432 Full Service B&M $113,229
    Third Federal Savings and Loan Association of Cleveland 7007 Broadway Avenue Cleveland, OH 44105 Full Service B&M $1,005,330
    Third Federal Savings and Loan Association of Cleveland 7339 Mentor Avenue Mentor, OH 44060 Full Service B&M $343,503
    Third Federal Savings and Loan Association of Cleveland 7750 Seminole Boulevard Seminole, FL 33772 Full Service B&M $280,587
    Third Federal Savings and Loan Association of Cleveland 8270 Ridge Road Port Richey, FL 34668 Full Service B&M $233,721
    Third Federal Savings and Loan Association of Cleveland 8500 West Broward Boulevard Plantation, FL 33324 Full Service B&M $110,696
    Third Federal Savings and Loan Association of Cleveland 8943 Brecksville Road Brecksville, OH 44141 Full Service B&M $439,642
    Third Federal Savings and Loan Association of Cleveland 9057 Darrow Road Twinsburg, OH 44087 Full Service B&M $219,785
    Third Federal Savings and Loan Association of Cleveland 929 East Hallandale Beach Boulevard Hallandale, FL 33009 Full Service B&M $71,968

    For 2019, Third Federal Savings And Loan Association Of Cleveland had 37 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $482,160
    Net interest income $253,333
    Total noninterest income $16,979
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $763
    Trading account gains and fees $0
    Additional Noninterest Income $16,216
    Pre-tax net operating income $101,706
    Securities gains (or losses, -) $0
    Income before extraordinary items $78,727
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $78,727
    Minority interest net income $0
    Net income $78,727
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $78,727

    Third Federal Savings And Loan Association Of Cleveland's gross interest income from loans was $482,160,000.
    Third Federal Savings And Loan Association Of Cleveland's net interest income from loans was $253,333,000.
    Third Federal Savings And Loan Association Of Cleveland's fee based income from loans was $763,000.
    Third Federal Savings And Loan Association Of Cleveland's net income from loans was $78,727,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $228,827
    Provision for credit losses $-11,000
    Total noninterest expense $179,606
    Salaries and employee benefits $99,095
    Premises and equipment expense $25,719
    Additional noninterest expense $54,792
    Applicable income taxes $22,979
    Net charge-offs $-6,354
    Cash dividends $57,000

    Third Federal Savings And Loan Association Of Cleveland's interest expense for loans was $228,827,000.
    Third Federal Savings And Loan Association Of Cleveland's payroll and benefits expense were $99,095,000.
    Third Federal Savings And Loan Association Of Cleveland's property, plant and equipment expenses $25,719,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $9,134,202
    Deposits held in domestic offices $9,134,202
    Deposits by Individuals, partnerships, and corporations $9,134,027
    Deposits by U.S. Government $164
    Deposits by States and political subdivisions in the U.S. $11
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $106,403
    Demand deposits $8,548
    Nontransaction accounts $9,027,799
    Money market deposit accounts (MMDAs) $469,138
    Other savings deposits (excluding MMDAs) $1,958,354
    Total time deposits $6,600,307
    Total time and savings deposits $9,125,654
    Noninterest-bearing deposits $137,582
    Interest-bearing deposits $8,996,620
    Retail deposits $7,942,854
    IRAs and Keogh plan accounts $1,105,557
    Brokered deposits $500,052
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $14,789,845
    Cash & Balances due from depository institutions $274,369
    Interest-bearing balances $254,883
    Total securities $553,997
    Federal funds sold & reverse repurchase $0
    Net loans and leases $13,477,380
    Loan and leases loss allowance $37,292
    Trading account assets $0
    Bank premises and fixed assets $58,327
    Other real estate owned $2,813
    Goodwill and other intangibles $15,087
    All other assets $407,872

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $14,789,845
    Total Liabilities $13,348,830
    Total deposits $9,134,202
    Interest-bearing deposits $8,996,620
    Deposits held in domestic offices $9,134,202
    % insured (estimated) $97
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $4,150,888
    Subordinated debt $0
    All other liabilities $63,740

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $13,477,380
    Loan and leases loss allowance $37,292
    Total loans and leases (domestic) $13,514,672
    All real estate loans $13,511,772
    Real estate loans in domestic offices $13,511,772
    Construction and development loans $22,496
    Residential 1-4 family construction $22,402
    Other construction, all land development and other land $94
    Loans secured by nonfarm nonresidential properties $0
    Nonfarm nonresidential secured by owner-occupied properties $0
    Commercial real estate & other non-farm, non-residential $0
    Multifamily residential real estate $3,034
    1-4 family residential loans $13,486,242
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $0
    To non-U.S. addressees $0
    Loans to individuals $2,900
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $2,900
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $99,035
    Non 1-4 family restructured loans & leases $66
    Total loans and leases (foreign) $0

    Third Federal Savings and Loan Association of Cleveland had $13,477,380,000 of loans outstanding in 2019. $13,511,772,000 of loans were in real estate loans. $22,496,000 of loans were in development loans. $3,034,000 of loans were in multifamily mortgage loans. $13,486,242,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan