Warsaw Federal Savings And Loan Association Mortgage Rates, Fees & Info
Cincinnati, OHLEI: 549300LUF8JLB9HKT321
Tax ID: 31-0481480
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Mortgage Data
Review & Overview
Warsaw Federal Savings And Loan Association is a smaller mortgage company specializing in Home Purchase loans. Warsaw Federal Savings And Loan Association has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Cincinnati, Pittsburgh, Tampa, Columbus, and Charlotte among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)Warsaw Federal Savings And Loan Association has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Warsaw Federal Savings And Loan Association is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.26% | 4/28/24 |
| 30 Year Conventional Refi | 6.11% | 4/28/24 |
| 30 Year Cash-out Refi | 6.77% | 4/28/24 |
| 30 Year FHA Purchase | 7.49% | 4/28/24 |
| 30 Year VA Purchase | 5.97% | 4/28/24 |
| 15 Year Conventional Purchase | 6.08% | 4/28/24 |
| 15 Year Conventional Refi | 5.84% | 4/28/24 |
| 15 Year Cash-out Refi | 5.84% | 4/28/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Warsaw Federal Savings And Loan Association Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
323Origination Dollar Volume (All Markets)
$89,315,000Awards
Warsaw Federal Savings and Loan Association - 2022
Warsaw Federal Savings and Loan Association is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 178 | $50,610,000 | $284,326 | $4,350 | 4.71% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $9,990 | 4.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,895,000 | $379,000 | $10,063 | 5.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $5,536 | 3.83% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $8,099 | 3.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $3,721 | 4.71% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $1,405,000 | $156,111 | $5,684 | 5.85% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $1,310,000 | $655,000 | $8,952 | 4.51% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $7,057 | 5.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $6,628 | 3.24% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $1,240,000 | $620,000 | $5,336 | 4.57% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $7,321 | 4.20% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 14 | $1,220,000 | $87,143 | $4,008 | 5.61% |
| Outside of Metro Areas | 4 | $1,050,000 | $262,500 | $4,165 | 5.71% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $5,187 | 4.74% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,046 | 4.26% |
| MADISON, WI (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $2,457 | 3.59% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $4,413 | 3.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 12 | $930,000 | $77,500 | $3,621 | 5.90% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $5,248 | 5.83% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $2,015 | 3.04% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $6,429 | 4.89% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $4,961 | 3.04% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,678 | 3.39% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $11,077 | 6.04% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $4,672 | 3.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $4,053 | 6.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $580,000 | $96,667 | $4,562 | 6.48% |
| AKRON, OH (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $4,443 | 6.46% |
| OCALA, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $6,423 | 5.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,322 | 5.13% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,752 | 4.59% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $3,768 | 6.23% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,004 | 3.53% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,485 | 4.65% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,063 | 6.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,919 | 3.67% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,130 | 3.10% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 6 | $370,000 | $61,667 | $2,782 | 6.98% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $7,701 | 5.98% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,113 | 6.38% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,454 | 3.24% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,638 | 5.18% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,503 | 4.59% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,814 | 3.27% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,380 | 6.82% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,809 | 6.15% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,021 | 6.37% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,696 | 5.46% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,232 | 5.55% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,848 | 4.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,286 | 5.58% |
| Searcy, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,125 | 6.15% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,477 | 5.53% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,219 | 5.65% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,672 | 6.30% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,792 | 7.08% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,181 | 6.07% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,031 | 5.65% |
Similar Lenders
We use machine learning to identify the top lenders compared against Warsaw Federal Savings and Loan Association based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 313 | $86,305,000 | $275,735 | $4,603 | 5.01% |
| FHA | 9 | $2,705,000 | $300,556 | $9,800 | 5.42% |
| VA | 1 | $305,000 | $305,000 | $3,663 | 2.75% |
For 2022, Warsaw Federal Savings And Loan Association's most frequently originated type of loan was Conventional, with 313 originations. Their 2nd most popular type was FHA, with 9 originations.
Loan Reason
For 2022, Warsaw Federal Savings And Loan Association's most frequently cited loan purpose was Home Purchase, with 278 originations. The 2nd most popular reason was Cash Out Refi, with 25 originations.
Loan Duration/Length
For 2022, Warsaw Federal Savings And Loan Association's most frequently cited loan duration was 30 Year, with 306 originations. The 2nd most popular length was 15 Year, with 14 originations.
Origination Fees/Closing Costs
Warsaw Federal Savings And Loan Association's average total fees were $4,809, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 146 originations.
Interest Rates
During 2022, Warsaw Federal Savings And Loan Association's average interest rate for loans was 5.04%, while their most frequently originated rate bucket for loans was 5-6%, with 98 originations.
Loan Sizing
2022 saw Warsaw Federal Savings And Loan Association place emphasis on $200k-400k loans with 102 originations, totaling $28,780,000 in origination value.
Applicant Income
Warsaw Federal Savings And Loan Association lent most frequently to those with incomes in the $150k-250k range, with 85 originations. The second most popular income band? $100k-150k, with 74 originations.
Applicant Debt to Income Ratio
Warsaw Federal Savings And Loan Association lent most frequently to those with DTI ratios of 20-30%, with 75 originations. The next most common DTI ratio? 30-36%, with 60 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.09%
Warsaw Federal Savings And Loan Association has an average approval rate.
Pick Rate
Approvals leading to origination78.95%
Warsaw Federal Savings And Loan Association has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 323 | $89,315,000 | $276,517 |