Warsaw Federal Savings and Loan Association in Indiana vs the state
10.0%Denial rate-6.57 pts vs state
16.7%Decision denial rate-3.47 pts vs state
50.0%Origination rate-12.25 pts vs state
7.13%Median rate+0.38 pts vs state
0.28Rate spread (pts)-0.09 pts vs state
$156kMedian applicant income
5Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 21 | 0.0% | 6.78% | #401 |
| 2024 | 20 | 11 | 15.0% | 6.93% | #458 |
| 2025 | 10 | 5 | 10.0% | 7.13% | #545 |
What Warsaw Federal Savings and Loan Association lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Warsaw Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dearborn County | 3 | 2 | 0 | 0.0% |
| Floyd County | 2 | 0 | 1 | 50.0% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Delaware County | 1 | 0 | 0 | 0.0% |
| Tippecanoe County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 10 applications in 2025, of which 5 were originated and 1 denied.
10.0% of all applications, or 16.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Warsaw Federal Savings and Loan Association originated in Indiana in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Warsaw Federal Savings and Loan Association's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology