Applications / Mortgage Analytics / Lenders / Ohio / 3rd Street Financial
West Chester, OH · Non-bank or government lender · CFPB · 185 loans in 2025
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185
loans originated, 2025
301
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
3rd Street Financial, an Ohio home-purchase lender that first reported in 2023, makes government-backed loans, which the typical similar lender does not.
Loans insured by the Federal Housing Administration (FHA) made up 27.0% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) 7.6%. The typical similar lender, a non-bank lender making between half and twice as many loans, made only conventional loans. Every one of its loans was for a home purchase.
Its typical loan was $265,000, against $395,000 at similar lenders. Its loans rose 7% in 2025, to 185, in line with peers' 8% and a little below the whole market's 10%. It made 138 loans in its first reported year. In 2025 it entered three new markets, among them Miami and Winston-Salem.
Low- and moderate-income (LMI) borrowers took 35.2% of its loans, against 22.0% at similar lenders, more than at about three-quarters of them. LMI neighborhoods took only 10.8%, against 22.0%, and majority-minority neighborhoods 1.6%, against 33.3%. One possible reason is the markets it serves: Cincinnati, Nashville, Dayton and rural Ohio and Tennessee are its largest.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 3rd Street Financial took 301 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 64.9% · FHA 27.0% · VA 7.6% · USDA (RHS or FSA) 0.5% · of 185 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 | 147 | 79.5% |
| Tennessee | 27 | 14.6% |
| Florida | 4 | 2.2% |
| Kentucky | 4 | 2.2% |
| Indiana | 2 | 1.1% |
| North Carolina | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 120 |
| Dayton-Kettering-Beavercreek | 21 |
| Nashville-Davidson--Murfreesboro--Franklin | 16 |
| Clarksville | 4 |
| Lakeland-Winter Haven | 2 |
| Akron | 1 |
| Cape Coral-Fort Myers | 1 |
| Columbus | 1 |
| Elizabethtown | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QXDYW5OTSNTL04 | 2023–2025 |
Established 11 May 2004. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: 3rd Street Financial's data.
3rd Street Financial's data
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3rd Street Financial 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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