# 3RD STREET FINANCIAL CORP.

> **Canonical URL:** https://saferate.com/lenders/3rd-street-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


3RD STREET FINANCIAL CORP. is a independent mortgage company, headquartered in West Chester, OH, serving borrowers across 5 states, with 168 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900QXDYW5OTSNTL04
- **Headquarters:** West Chester, OH
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, IN, KY, OH, TN
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.291%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $181
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 168
- **Dollar Volume:** $53 million
- **Applications Received:** 293
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $313,750
- **Average Borrower Income:** $126,625
- **Average Property Value:** $397,679

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 103 | +0.249% | $444 | Acceptable 🙂 |
| FHA | 59/100 | 47 | +0.556% | $-969 | Sound ☺️ |
| VA | 56/100 | 13 | -0.455% | $700 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 103 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 47 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 168 | $53M | +0.291% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 125 | 0.09% | 69/100 |
| TN | 34 | 0.04% | 55/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 114 | 77/100 |
| Nashville | TN | 17 | 50/100 |
| Dayton | OH | 12 | 46/100 |
| Non |  | 12 | 26/100 |

## Where This Lender Ranks

3RD STREET FINANCIAL CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Cincinnati, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does 3RD STREET FINANCIAL CORP. offer?

3RD STREET FINANCIAL CORP. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 3RD STREET FINANCIAL CORP. offer mortgages?

3RD STREET FINANCIAL CORP. offers mortgages in 5 states: FL, IN, KY, OH, TN.

### How competitive are 3RD STREET FINANCIAL CORP.'s mortgage rates?

3RD STREET FINANCIAL CORP. has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.291% above market average.

### What type of lender is 3RD STREET FINANCIAL CORP.?

3RD STREET FINANCIAL CORP. is a non-depository lender that specializes in mortgage origination, headquartered in West Chester, OH.

### What is 3RD STREET FINANCIAL CORP.'s loan approval success rate?

3RD STREET FINANCIAL CORP. has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/3rd-street-financial

### How to Cite

> "3RD STREET FINANCIAL CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/3rd-street-financial

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