Windosr Federal Savings & Loan Association at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
79th3.9% deniedProcesswithdrawn + incomplete share, weight 15%
15th21.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 238 | 167 | 5.9% | 7.5% | — | $40M |
| 2024 | 209 | 146 | 2.4% | 3.2% | — | $33M |
| 2025 | 233 | 169 | 3.0% | 3.9% | — | $68M |
What Windosr Federal Savings & Loan Association lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 29 investment properties.
Why Windosr Federal Savings & Loan Association denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Windosr Federal Savings & Loan Association
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 71 | 54 | 1.8% |
| $100k – $150k | 64 | 47 | 0.0% |
| $150k – $250k | 38 | 31 | 0.0% |
| Over $250k | 28 | 19 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 35 | 0.0% |
| 35–44 | 60 | 39 | 4.8% |
| 45–54 | 40 | 30 | 2.9% |
| 55–64 | 40 | 32 | 0.0% |
| 65–74 | 24 | 15 | 16.7% |
Where Windosr Federal Savings & Loan Association lends
4 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 227 | 166 | 2.6% | — | #95 |
Frequently asked questions
Windosr Federal Savings & Loan Association denied 3.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of small mortgage lenders.
The most common reason Windosr Federal Savings & Loan Association gave in 2025 was "debt-to-income ratio", cited on 71.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 52% of its applications were for home purchases, 21% for refinancing (including cash-out), and 27% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.