Third Federal Savings & Loan

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Lock Your Rate at Preapproval!

Lock in today's low rates now, even before you find a house!

Thinking of buying a home? With Early Approval, you can lock in today's low rates now, even before you find a home.1

  • If rates go down, you can receive the lower rate just by asking.  
  • Fully underwritten loan approval is good for six months.
  • Low closing cost options
  • It's easy and free to sign up!

Hurry, Early Approval ends soon!
Click here for related disclosures

Current Purchase Mortgage Rates for September 29, 2020
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 ARM (30 year) 2.39% 3.02%
5/1 ARM (30 year) Low Cost 2.74% 3.09%
30 Year Fixed Rate 2.89% 2.96%
30 Year Low Cost Fixed Rate 3.19% 3.20%
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1 Rate lock renews automatically to current rate after 60 days, or anytime upon request. Preapproval rate lock begins at the time of preapproval application. Borrowers responsible for homeowners insurance, real estate taxes and prepaid interest. Product not available for Private Mortgage Insurance, HomeReady, or 240-Day Locks. ©2020 Third Federal 

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Rated 5 out of 5 by from Customer Service Outstanding service for over 30 years.
Date published: 2020-07-28
Rated 5 out of 5 by from Very good experience I had a great experience. No issues at all.. and because of covid, everything was done online... never even met my loan officer in person, even though it felt like I did because we talked frequently over phone and email. Would highly recommend.
Date published: 2020-07-28
Rated 5 out of 5 by from Everything went fine no problems at alll very prof Customer service was great.
Date published: 2020-07-27
Rated 1 out of 5 by from Poor Customer Service - Closing Day Nightmare: Imagine getting to closing day and the financing your were depending on being slow walked due to your assigned lender “working from home” only reachable via email and being non-responsive on closing day. Horrible experience and thankfully our Realtor was able to help escalate to get things expedited in the 11th hour. I’ve been a long standing customer of this bank and they let me down on a very critical day when all our possessions were loaded in the moving truck and we had to sit in a parking lot at the closing agents office hours after our scheduled closing time trying to push the process to get the funding to close. Irredeemable, unprofessional, and poor customer service by the lending agent to allow the process to get to closing day before asking for the condo buildings insurance policy which should have been requested days prior and typically directly from the lender not putting that on the borrower to track down in the 11th hour on closing day.
Date published: 2020-07-25
Rated 5 out of 5 by from The whole package Rates were low, costs were low, experienced lenders and communication 100%
Date published: 2020-07-25
Rated 4 out of 5 by from Low rates, and low cost Rates are incredibly low, which have been clearly listed on the webpage. My loan officer is quite proactive to support my mortgage working flow mainly via email communication rather than phone call or f2f talk, which is great for 2020 under pandemic. It's my first mortgage experience and quite impressive. As far as I have been told, few documents to be signed in the final closing stage. If there can be some improvement, I may say it'll be way better to be informed the borrower should pay the insurance by him/her-self rather than through ESCROW account.
Date published: 2020-07-24
Rated 5 out of 5 by from Low rates and excellent service I wouldn't dream of going elsewhere for my mortgage needs. The rates were the lowest anywhere and the service was outstanding!
Date published: 2020-07-21
Rated 3 out of 5 by from Very HIGH and expensive cost. Very Competitive Rates and very common Customer services and sometimes Very Very slow in relay messages.
Date published: 2020-07-21
Rated 5 out of 5 by from Low closing costs Excellent customer service. Liked the low closing cost option.
Date published: 2020-07-20
Rated 5 out of 5 by from Great service! While Third Federal offers competitive rates and is very reliable, what really stood out this time (we're returning customers) was service. Mark, our loan officer, was very helpful and kept us informed the whole way. When we had a small issue with obtaining the new title, he and the Third Federal team went above and beyond to make sure things got straightened out in time. Thanks!
Date published: 2020-07-19
Rated 5 out of 5 by from Great Rates The members of Third Federal made my mortgage loan application a very thorough and quick application. Very informative every step of the way!
Date published: 2020-07-19
Rated 5 out of 5 by from Low rates, low cost and easy process. From the beginning the process was easy and smooth. The application for preapproval was over the phone and it took aprox 20 minutes. They call me the same day in the afternoon to tell me that I was approved and the amount that I qualify for. During the process my loan officer was very informative and keep in touch all the time. He answer my email very fast and if I call him and he was not available, he always call me back the same day. I was really bless and he was able to provide a couple of grants that help me a lot for closing cost. I feel very pleased for how all the process went through.
Date published: 2020-07-18
Rated 5 out of 5 by from Helpful staff Felt respected and trusted the staff at the Parma branch.
Date published: 2020-07-18
Rated 5 out of 5 by from easy process I was able to work with a Great Loan Officer, made the entire process so easy, and was a huge help to make sure I didn't forget anything.
Date published: 2020-07-18
Rated 5 out of 5 by from Best Rate, Great Service, Simple and Easy A+++ Searched the internet for lenders, no one could come close to Third Federals rate and low closing costs. Condo purchases involve a bit more, and they made the process super easy and smooth and reassured me the entire way. Big thanks to all the employees from S. Florida, especially Nedra Hewell, who led me through the process. We closed early with no surprises. Highly recommended, give them a call, I'm so glad I found them.
Date published: 2020-07-18
Rated 5 out of 5 by from Excellent as always I have been a Third Federal customer for more than 40 years and my parents before that. Third Federal's reputation is the best in the business and the care and service I have received from Dawn throughout the years his been exceptional. Can't see going anywhere else for a mortgage.
Date published: 2020-07-18
Rated 5 out of 5 by from A Great Experience Rates were low, customer service was great. Sherena helped me through the whole process of applying for the mortgage......she was knowledgeable, professional and very patient! My experience with all the employees at the Naples branch were very courteous and helpful too.
Date published: 2020-07-18
Rated 5 out of 5 by from Great service Amazing service even though I never met any of my bankers in person.
Date published: 2020-07-18
Rated 5 out of 5 by from Pleasure working with Third Federal It was a pleasure working with Third Federal for the mortgage for my first home. The team at my local branch was so helpful and did everything they could to make the process easy and seamless. I would absolutely recommend using Third Federal for their mortgage loans.
Date published: 2020-07-17
Rated 3 out of 5 by from New Mortgage Rates were still low and previous mortgage loan servicing has been excellent. However, somewhat disappointed in the underwriting process in general and response time from the loan officer. Seemed like I was getting a request for more info every other day especially involving daughter's student loans. Loan officer often had to go to someone else to get answers to questions.
Date published: 2020-07-16
Rated 5 out of 5 by from The best bank for a mortgage I've had multiple mortgages through Third Federal. The rates are always extremely competitive, and the low-cost mortgages, refi, and rate-relock have given me a lot of flexibility over the years. All loan officers have been friendly, efficient and knowledgeable. Highly recommended!
Date published: 2020-07-16
Rated 5 out of 5 by from Excellent Customer service was excellent
Date published: 2020-07-13
Rated 5 out of 5 by from Years of good service Always a pleasure to work with! Great rates and service!!
Date published: 2020-07-11
Rated 5 out of 5 by from Great mortgage company From loan application to closing, my experience with Third Federal exceeded expectations. Great rates and closing options....My contact was Midge, who was incredibly responsive and thorough and wonderful to work with.
Date published: 2020-07-10
Rated 4 out of 5 by from Experience Counts Not knowing baking in Florida we were very impressed with our loan experience
Date published: 2020-07-07
Rated 5 out of 5 by from Great rates and service, Easy to work with I have used Third Federal for multiple dealings and always received courteous and prompt service. When they say low cost settlement they mean that! I would not fail to go back to them for financial help in the future.
Date published: 2020-07-06
Rated 5 out of 5 by from Professional Lender Low rates and helpful courteous service.
Date published: 2020-07-01
Rated 5 out of 5 by from Great service Great customer service
Date published: 2020-06-27
Rated 5 out of 5 by from Mortgage Low rates
Date published: 2020-06-13
Rated 5 out of 5 by from Low cost. Excellent staff Very smooth process. Staff was excellent. Comparable rates
Date published: 2020-06-13
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