Warsaw Federal Savings and Loan Association in Kentucky vs the state
8.3%Denial rate-10.48 pts vs state
9.5%Decision denial rate-13.97 pts vs state
79.2%Origination rate+21.13 pts vs state
6.43%Median rate-0.33 pts vs state
0.00Rate spread (pts)-0.31 pts vs state
$138kMedian applicant income
19Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 32 | 0.0% | 6.79% | #261 |
| 2024 | 28 | 25 | 0.0% | 6.83% | #300 |
| 2025 | 24 | 19 | 8.3% | 6.43% | #336 |
What Warsaw Federal Savings and Loan Association lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Warsaw Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 16 | 12 | 1 | 6.3% |
| Boone County | 3 | 3 | 0 | 0.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Wolfe County | 1 | 1 | 0 | 0.0% |
| Fleming County | 1 | 0 | 1 | 100.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 24 applications in 2025, of which 19 were originated and 2 denied.
8.3% of all applications, or 9.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Warsaw Federal Savings and Loan Association originated in Kentucky in 2025 was 6.43%, 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 Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology