What loan types does 3RD Street Financial offer?

3RD Street Financial offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does 3RD Street Financial offer mortgages?

3RD Street Financial offers mortgages in 5 states: FL, IN, KY, OH, TN.

How competitive are 3RD Street Financial's mortgage rates?

3RD Street Financial has an overall pricing score of 69/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is 3RD Street Financial?

3RD Street Financial is a Independent Mortgage Company headquartered in West Chester, OH.

Unclaimed

3RD Street Financial

Independent Mortgage Company•West Chester, OHHQ•Direct•Reviews near you on Google

3RD Street Financial has 168 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

3RD Street Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+29.1 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

103 loans · 0.25% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

47 loans · 0.56% above market

Sound

Top 60% of lenders

3/5

13 loans · 0.46% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

168 loans · 0.29% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	103	61.3%	+0.249%Above	$444Fees
FHA Loans	Sound	Sound	Strong	Sound	47	28.0%	+0.556%Above	$969Credit
VA Loans	Sound	Sound	—	Sound	13	7.7%	-0.455%Below	$700Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume103

Mix61.3%

Spread

+0.249%Above

Fees

$444Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume47

Mix28.0%

Spread

+0.556%Above

Fees

$969Credit

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume13

Mix7.7%

Spread

-0.455%Below

Fees

$700Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	168	100.0%	+0.291%Above	$181Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Acceptable

Volume168

Mix100.0%

Spread

+0.291%Above

Fees

$181Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

168

Applications

293

Volume

$52 million

Pricing & Closing

Avg Rate Spread

+0.291%

vs. market APOR

Avg Net Fees

$181

Origination − Credits

Pullthrough Rate

57.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$313,750

Avg Borrower Income

$126,625

Avg Property Value

$397,679

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest2

INOH

South3

FLKYTN

Top Metro Areas by Place Specialization Score

Cincinnati, OHMetro

Volume 114Mix 67.86% of portfolio

77/100

Strong

Nashville, TNMetro

Volume 17Mix 10.12% of portfolio

50/100

Sound

Dayton, OHMetro

Volume 12Mix 7.14% of portfolio

46/100

Sound

Top States by Place Specialization Score

OhioState

Volume 125Mix 74.40% of portfolio

69/100

Strong

TennesseeState

Volume 34Mix 20.24% of portfolio

55/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of 3RD Street Financial?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.