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Third Federal Savings and Loan Association of Cleveland

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We analyzed every closed loan from Third Federal Savings and Loan Association of Cleveland — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 16 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Third Federal Savings and Loan Association of Cleveland performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+5.6 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,283 loans · 0.06% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
23 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,965 loans · 0.08% above market
Strong
Top 40% of lenders
4/5
Refinance
341 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 17 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume2,283
Mix99.0%
Spread
+0.058%Above
Fees
$779Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume23
Mix1.0%
Spread
-0.093%Below
Fees
$749Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume1,965
Mix85.2%
Spread
+0.079%Above
Fees
$839Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume341
Mix14.8%
Spread
-0.091%Below
Fees
$394Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,306
Applications
3,379
Volume
$594 million
Pricing & Closing
Avg Rate Spread
+0.056%
vs. market APOR
Avg Net Fees
$779
Origination − Credits
Pullthrough Rate
68.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$257,923
Avg Borrower Income
$143,951
Avg Property Value
$405,928

Geographic Coverage

Geographic Performance

Metro Areas
16
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

19Full-year 2024 · HMDA
19 states with loan originations
Loans originated
< 1010–2020–5050+None
Northeast3
MANJPA
Midwest5
ILINMIMOOH
South7
FLGAKYMDNCTNVA
West4
CACOORWA

Top Metro Areas by Place Specialization Score

1© Warren LeMay from Cincinnati, OH, United States · CC0
Cleveland, OHMetro
Volume 1,076Mix 46.66% of portfolio
97/100
Exceptional
2© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 202Mix 8.76% of portfolio
85/100
Exceptional
3© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 258Mix 11.19% of portfolio
81/100
Exceptional
4© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 217Mix 9.41% of portfolio
78/100
Strong
5© Jrozwado · CC BY-SA 4.0
St. Petersburg, FLMetro
Volume 42Mix 1.82% of portfolio
60/100
Sound
6© P,TO 19104 · CC BY-SA 4.0
Naples, FLMetro
Volume 25Mix 1.08% of portfolio
57/100
Sound
7© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 45Mix 1.95% of portfolio
56/100
Sound
8© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 37Mix 1.60% of portfolio
56/100
Sound
9© Interface Multimedia, Inc. · CC BY-SA 4.0
Tampa, FLMetro
Volume 46Mix 1.99% of portfolio
56/100
Sound
10© Eric Friedebach · CC BY 3.0
Cape Coral, FLMetro
Volume 32Mix 1.39% of portfolio
54/100
Sound
Showing 10 of 16 metro areas

Top States by Place Specialization Score

Ohio
Ohio
1
OhioState
Volume 1,805Mix 78.27% of portfolio
90/100
Exceptional
Florida
Florida
2
FloridaState
Volume 329Mix 14.27% of portfolio
67/100
Strong
Kentucky
Kentucky
3
KentuckyState
Volume 39Mix 1.69% of portfolio
53/100
Sound
Pennsylvania
Pennsylvania
4
PennsylvaniaState
Volume 18Mix 0.78% of portfolio
40/100
Sound
New Jersey
New Jersey
5
New JerseyState
Volume 15Mix 0.65% of portfolio
40/100
Sound
Indiana
Indiana
6
IndianaState
Volume 16Mix 0.69% of portfolio
40/100
Sound
North Carolina
North Carolina
7
North CarolinaState
Volume 18Mix 0.78% of portfolio
40/100
Acceptable
Virginia
Virginia
8
VirginiaState
Volume 14Mix 0.61% of portfolio
39/100
Acceptable
Georgia
Georgia
9
GeorgiaState
Volume 13Mix 0.56% of portfolio
38/100
Acceptable
Tennessee
Tennessee
10
TennesseeState
Volume 11Mix 0.48% of portfolio
36/100
Acceptable
Showing 10 of 11 states

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
Champion(80%+ = 40-50 points)
Superstar
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.

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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.