Applications / Mortgage Analytics / Lenders / Ohio / Third Federal Savings and Loan Association of Cleveland
Cleveland, OH · Savings institution · OCC · $17.5 billion assets · 21,298 loans in 2025
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21,298
loans originated, 2025
39,368
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Third Federal Savings and Loan Association of Cleveland made more loans than any similar savings institution in 2025, all of them conventional, from a deep Cleveland base.
Originations fell 3% to 21,298 while similar lenders (savings institutions making between an eighth and eight times as many loans) rose 14%, lower than about three in four of them. Yet lending rose from $3.01 billion to $3.41 billion as the typical loan grew from $105,000 to $135,000.
No loan was FHA, VA or RHS (insured or guaranteed by the federal government) or higher-priced (a rate well above the average for similar loans). Its typical loan of $135,000 is lower than more than four in five similar lenders, against $225,000; home improvement loans at 23.4% and other purposes at 27.4% could explain it.
LMI (low- and moderate-income) borrowers took 18.1% of its loans, up from 14.4% five years before but lower than more than nine in ten similar lenders, against 28.4%; the markets it serves and its home improvement lending to existing homeowners may explain that. Loans in LMI areas rose from 7.0% to 11.8%, and in majority-minority areas from 9.1% to 16.7%, near the middle of similar lenders.
It ranks 4 of 577 in Cleveland, where it has lent since before 1990, and its share rose from 5.0% to 5.3%. It bought 1,283 loans, up from 472, and entered three new markets in 2025, including Topeka and Wichita.
Questions the data can answer next
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Third Federal Savings and Loan Association of Cleveland took 39,368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.7% · Other 27.4% · Home improvement 23.4% · Purchase 14.5%
Conventional 100.0% · of 21,298 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 7,970 | 37.4% |
| Florida | 3,765 | 17.7% |
| California | 2,301 | 10.8% |
| Georgia | 772 | 3.6% |
| New Jersey | 746 | 3.5% |
| North Carolina | 672 | 3.2% |
| Illinois | 535 | 2.5% |
| Virginia | 526 | 2.5% |
| Washington | 395 | 1.9% |
| Colorado | 392 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 4,121 |
| Columbus | 1,309 |
| Cincinnati | 1,232 |
| Akron | 954 |
| Tampa | 549 |
| West Palm Beach-Boca Raton-Delray Beach | 543 |
| Los Angeles-Long Beach-Glendale | 480 |
| Atlanta-Sandy Springs-Roswell | 477 |
| Fort Lauderdale-Pompano Beach-Sunrise | 400 |
| St. Petersburg-Clearwater-Largo | 391 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008CPTDVOS570626 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 915878 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44544 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9915878 | 2011–2017 |
Established 4 August 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Third Federal Savings and Loan Association of Cleveland's data.
Third Federal Savings and Loan Association of Cleveland's data
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Third Federal Savings and Loan Association of Cleveland and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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