SmartRatesUSA
Mortgage Lender Review🤝 Rate Match Guarantee

Third Federal Savings

Bank

30-yr fixed APR around 6.49%. Borrowers with good credit who want a rate-match guarantee.

At a Glance

30-Yr Fixed APR

6.49%

15-Yr Fixed APR

6.00%

Min. Credit Score

660

Min. Down Payment

5%

Lender Type

Bank

Avg. Closing Time

30–45 days

Key Features

Rate Match Guarantee against competitor offers

Low closing cost options

Strong customer satisfaction ratings

Pros & Cons

Pros

  • Rate match guarantee
  • No prepayment penalties
  • Strong customer satisfaction ratings

Tradeoffs

  • Limited branch footprint outside Ohio/Florida
  • Higher minimum credit score requirement

Best for: Borrowers with good credit who want a rate-match guarantee

Frequently Asked Questions

What credit score do I need for a mortgage with Third Federal?

Third Federal generally works with borrowers around 660+, though the exact rate and approval odds depend on your full credit profile, down payment, and loan program.

What loan types does Third Federal offer?

Third Federal offers Conventional, Refinance, Home Equity. Availability can vary by state and property type, so confirm your specific loan program directly with the lender.

Does Third Federal charge lender fees?

Third Federal charges standard lender fees as part of closing costs — ask for a full Loan Estimate to see the exact breakdown before committing.

Other Mortgage Lenders

Rocket Mortgage

6.75% 30-yr fixed APR

Better Mortgage

6.49% 30-yr fixed APR

Navy Federal Credit Union

6.35% 30-yr fixed APR

Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, and property type — always confirm current rates directly with the lender.

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