Warsaw Federal Savings and Loan Association in Ohio vs the state
9.3%Denial rate-8.44 pts vs state
11.7%Decision denial rate-10.19 pts vs state
69.0%Origination rate+9.06 pts vs state
6.50%Median rate-0.38 pts vs state
0.04Rate spread (pts)-0.35 pts vs state
$82kMedian applicant income
231Loans originated
31Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 213 | 3.9% | 6.50% | #169 |
| 2024 | 248 | 190 | 3.6% | 6.70% | #190 |
| 2025 | 335 | 231 | 9.3% | 6.50% | #182 |
What Warsaw Federal Savings and Loan Association lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Warsaw Federal Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 214 | 144 | 23 | 10.7% |
| Butler County | 42 | 30 | 4 | 9.5% |
| Clermont County | 35 | 27 | 2 | 5.7% |
| Warren County | 21 | 11 | 1 | 4.8% |
| Montgomery County | 12 | 10 | 0 | 0.0% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Williams County | 2 | 2 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Cuyahoga County | 1 | 0 | 0 | 0.0% |
| Brown County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 335 applications in 2025, of which 231 were originated and 31 denied.
9.3% of all applications, or 11.7% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Warsaw Federal Savings and Loan Association originated in Ohio in 2025 was 6.50%, against a statewide median of 6.88%.
About this data. Figures are Warsaw Federal Savings and Loan Association's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology