Warsaw Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Warsaw averaged
6.93%
for the week of 2023-09-21, compared to the national average of
7.19% for the same period.
The average rate for the prior week (2023-09-14) was
7.02% and
one month ago for the week of 2023-08-17, the
average rate was 7.23%.
Warsaw's average rate one year ago was 5.76%.
For refis of the same type during the week of 2023-09-21, the average rate
was 6.65%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-09-21 | 7.19% |
Warsaw 30 Year Fixed Rate | 2023-09-21 | 6.93% |
Warsaw 30 Year Fixed Rate Refi | 2023-09-21 | 6.65% |
Warsaw 15 Year Fixed Rate | 2023-09-21 | 6.44% |
Warsaw 15 Year Fixed Rate Refi | 2023-09-21 | 6.74% |
Warsaw 30 Year FHA | 2023-09-21 | 6.77% |
Warsaw 30 Year FHA Refi | 2023-09-21 | 6.84% |
Warsaw 30 Year USDA | 2023-09-21 | 7.22% |
Warsaw 30 Year USDA Refi | 2023-09-21 | 7.12% |
Warsaw 30 Year VA | 2023-09-21 | 6.72% |
Warsaw 30 Year VA Refi | 2023-09-21 | 7.02% |
Warsaw Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Warsaw, IN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Warsaw Average Closing Costs & Other Stats
Warsaw, IN's 123 lenders originated 2,629
loans during 2022. The total origination value was $516,505,000, with an average loan value of
$196,464.
Warsaw's average closing costs are $3,455.
The top Warsaw lender as defined by loan originations is RUOFF MORTGAGE COMPANY, INC., with
144 loans originated. Their average total fees are
$2,985, which is $478
lower than the next largest lender,
First Federal Savings Bank.
The lowest fee Warsaw lenders (with over 10 loans originated) are
Union Savings Bank ($1,320), Crossroads Bank ($1,804), BEACON CREDIT UNION ($2,124), Three Rivers Federal Credit Union ($2,381) and Horizon Bank ($2,449).
The lowest rate Warsaw lenders (with over 10 loans originated) are
Union Savings Bank (3.76%), Three Rivers Federal Credit Union (4.61%), BEACON CREDIT UNION (4.66%), JPMorgan Chase Bank (4.76%) and AMERICAN MORTGAGE SERVICE COMPANY (4.83%).
Warsaw, IN Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
Name | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
---|---|---|---|---|
Lake City Bank | $71,300,000 | $67,295,000 | -5.6% | 13.0% |
RUOFF MORTGAGE COMPANY, INC. | $103,700,000 | $48,450,000 | -53.3% | 9.4% |
First Federal Savings Bank | $15,050,000 | $40,060,000 | 166.2% | 7.8% |
Horizon Bank | $9,505,000 | $27,740,000 | 191.8% | 5.4% |
Crossroads Bank | $20,195,000 | $18,535,000 | -8.2% | 3.6% |
1st Source Bank | $28,965,000 | $18,255,000 | -37.0% | 3.5% |
INTERRA CREDIT UNION | $18,755,000 | $16,990,000 | -9.4% | 3.3% |
QUICKEN LOANS, LLC | $33,555,000 | $15,440,000 | -54.0% | 3.0% |
Merchants Bank of Indiana | $2,320,000 | $13,315,000 | 473.9% | 2.6% |
Northwest Bank | $25,000,000 | $12,675,000 | -49.3% | 2.5% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $17,215,000 | $12,600,000 | -26.8% | 2.4% |
TEACHERS CREDIT UNION | $18,810,000 | $11,200,000 | -40.5% | 2.2% |
PNC Bank | $15,705,000 | $11,070,000 | -29.5% | 2.1% |
UNITED WHOLESALE MORTGAGE, LLC | $18,930,000 | $9,185,000 | -51.5% | 1.8% |
Three Rivers Federal Credit Union | $219,340,000 | $8,445,000 | -96.1% | 1.6% |
JPMorgan Chase Bank | $12,990,000 | $7,300,000 | -43.8% | 1.4% |
HALLMARK HOME MORTGAGE, LLC | $7,295,000 | $6,330,000 | -13.2% | 1.2% |
GENEVA FINANCIAL, LLC | $6,250,000 | n/a | 1.2% | |
First Merchants Bank | $6,300,000 | $5,680,000 | -9.8% | 1.1% |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $7,890,000 | $5,510,000 | -30.2% | 1.1% |
MID AMERICA MORTGAGE, INC. | $6,215,000 | $5,480,000 | -11.8% | 1.1% |
AMERICAN MORTGAGE SERVICE COMPANY | $9,655,000 | $4,815,000 | -50.1% | 0.9% |
BEACON CREDIT UNION | $6,730,000 | $4,530,000 | -32.7% | 0.9% |
KeyBank | $13,450,000 | $4,390,000 | -67.4% | 0.8% |
Old National Bank | $7,660,000 | $4,300,000 | -43.9% | 0.8% |
Stifel Bank and Trust | $2,005,000 | $4,240,000 | 111.5% | 0.8% |
First Federal Savings Bank | $15,050,000 | $4,210,000 | -72.0% | 0.8% |
STAR Financial Bank | $3,520,000 | $4,030,000 | 14.5% | 0.8% |
Fifth Third Bank | $3,720,000 | $4,010,000 | 7.8% | 0.8% |
GVC MORTGAGE, INC. | $3,345,000 | $3,165,000 | -5.4% | 0.6% |
Union Savings Bank | $4,250,000 | $3,110,000 | -26.8% | 0.6% |
The Huntington National Bank | $5,935,000 | $3,055,000 | -48.5% | 0.6% |
First State Bank of Middlebury | $3,550,000 | $2,860,000 | -19.4% | 0.6% |
Bank of America | $3,735,000 | $2,725,000 | -27.0% | 0.5% |
PENNYMAC LOAN SERVICES, LLC | $3,235,000 | $2,715,000 | -16.1% | 0.5% |
LOANDEPOT.COM, LLC | $10,410,000 | $2,665,000 | -74.4% | 0.5% |
Morgan Stanley Private Bank | $555,000 | $2,655,000 | 378.4% | 0.5% |
U.S. Bank | $3,035,000 | $2,590,000 | -14.7% | 0.5% |
UBS Bank USA | $2,415,000 | n/a | 0.5% | |
Mortgage Research Center, LLC | $3,765,000 | $2,315,000 | -38.5% | 0.4% |
ACADEMY MORTGAGE CORPORATION | $1,155,000 | $2,300,000 | 99.1% | 0.4% |
First Farmers Bank and Trust Company | $2,260,000 | $2,255,000 | -0.2% | 0.4% |
Farm Credit Mid-America, ACA | $3,980,000 | $2,225,000 | -44.1% | 0.4% |
Charles Schwab Bank, SSB | $2,195,000 | n/a | 0.4% | |
FREEDOM MORTGAGE CORPORATION | $11,735,000 | $2,075,000 | -82.3% | 0.4% |
NAVY FEDERAL CREDIT UNION | $2,835,000 | $2,075,000 | -26.8% | 0.4% |
Mr. Cooper ( Nationstar Mortgage ) | $3,780,000 | $1,925,000 | -49.1% | 0.4% |
EVERETT FINANCIAL, INC. | $205,000 | $1,920,000 | 836.6% | 0.4% |
GUARANTEED RATE, INC. | $6,665,000 | $1,675,000 | -74.9% | 0.3% |
The Campbell & Fetter Bank | $3,035,000 | $1,620,000 | -46.6% | 0.3% |
CALIBER HOME LOANS, INC. | $9,650,000 | $1,525,000 | -84.2% | 0.3% |
Notre Dame Federal Credit Union Corporation | $1,420,000 | $1,460,000 | 2.8% | 0.3% |
CROSSCOUNTRY MORTGAGE, LLC | $3,775,000 | $1,420,000 | -62.4% | 0.3% |
First Financial Bank | $2,160,000 | $1,400,000 | -35.2% | 0.3% |
Regions Bank | $65,000 | $1,380,000 | 2,023.1% | 0.3% |
Flagstar Bank, FSB | $3,655,000 | $1,335,000 | -63.5% | 0.3% |
Farmers and Merchants Bank | $1,330,000 | n/a | 0.3% | |
ProFed Federal Credit Union | $2,160,000 | $1,325,000 | -38.7% | 0.3% |
Wells Fargo Bank | $7,670,000 | $1,300,000 | -83.1% | 0.3% |
Carrington Mortgage Services, LLC | $990,000 | $1,280,000 | 29.3% | 0.2% |
AMERICAN FINANCING CORPORATION | $1,555,000 | $1,275,000 | -18.0% | 0.2% |
UNION HOME MORTGAGE CORP. | $5,990,000 | $1,230,000 | -79.5% | 0.2% |
AMERISAVE MORTGAGE CORPORATION | $5,160,000 | $1,215,000 | -76.5% | 0.2% |
NEWREZ LLC | $3,200,000 | $1,215,000 | -62.0% | 0.2% |
21ST MORTGAGE CORPORATION | $1,285,000 | $1,195,000 | -7.0% | 0.2% |
TRIAD FINANCIAL SERVICES, INC. | $190,000 | $1,175,000 | 518.4% | 0.2% |
The Garrett State Bank | $485,000 | $1,030,000 | 112.4% | 0.2% |
FIRST CHOICE MH LLC | $745,000 | $985,000 | 32.2% | 0.2% |
THRIVE MORTGAGE, LLC | $355,000 | $930,000 | 162.0% | 0.2% |
Loan Simple, Inc. | $570,000 | $910,000 | 59.6% | 0.2% |
Centier Bank | $2,410,000 | $900,000 | -62.7% | 0.2% |
MOVEMENT MORTGAGE, LLC | $870,000 | n/a | 0.2% | |
Mortgage Assurance Inc. | $685,000 | $840,000 | 22.6% | 0.2% |
ZILLOW HOME LOANS, LLC | $490,000 | $835,000 | 70.4% | 0.2% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,040,000 | $830,000 | -59.3% | 0.2% |
HOME POINT FINANCIAL CORPORATION | $1,670,000 | $820,000 | -50.9% | 0.2% |
USAA Federal Savings Bank | $1,430,000 | $775,000 | -45.8% | 0.2% |
CLEARPATH LENDING | $185,000 | $745,000 | 302.7% | 0.1% |
The National Bank of Indianapolis | $1,600,000 | $730,000 | -54.4% | 0.1% |
STOCKTON MORTGAGE CORPORATION | $715,000 | n/a | 0.1% | |
ENDEAVOR CAPITAL, LLC. | $165,000 | $710,000 | 330.3% | 0.1% |
TOP FLITE FINANCIAL, INC. | $115,000 | $695,000 | 504.3% | 0.1% |
American Community Bank of Indiana | $1,320,000 | $645,000 | -51.1% | 0.1% |
COMPASS MORTGAGE, INC. | $2,525,000 | $645,000 | -74.5% | 0.1% |
First Federal Bank of the Midwest | $3,895,000 | $645,000 | -83.4% | 0.1% |
Farmers State Bank | $1,445,000 | $625,000 | -56.7% | 0.1% |
MJW Financial LLC | $430,000 | $615,000 | 43.0% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $1,000,000 | $610,000 | -39.0% | 0.1% |
DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $3,280,000 | $605,000 | -81.6% | 0.1% |
UNITED | $190,000 | $605,000 | 218.4% | 0.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $360,000 | $560,000 | 55.6% | 0.1% |
FIRST CENTENNIAL MORTGAGE CORPORATION | $550,000 | n/a | 0.1% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $550,000 | n/a | 0.1% | |
BROKER SOLUTIONS, INC. | $5,300,000 | $515,000 | -90.3% | 0.1% |
Ally Bank | $1,035,000 | $510,000 | -50.7% | 0.1% |
FORUM Credit Union | $1,345,000 | $510,000 | -62.1% | 0.1% |
BMO Harris Bank | $505,000 | n/a | 0.1% | |
Raymond James Bank | $335,000 | $495,000 | 47.8% | 0.1% |
First Bank of Berne | $85,000 | $480,000 | 464.7% | 0.1% |
The Federal Savings Bank | $910,000 | $460,000 | -49.5% | 0.1% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,360,000 | $450,000 | -66.9% | 0.1% |
PARTNERS 1ST Federal Credit Union | $980,000 | $430,000 | -56.1% | 0.1% |
Northpointe Bank | $1,445,000 | $425,000 | -70.6% | 0.1% |
OCEANSIDE MORTGAGE COMPANY | $540,000 | $410,000 | -24.1% | 0.1% |
MUTUAL OF OMAHA MORTGAGE, INC. | $800,000 | $400,000 | -50.0% | 0.1% |
V.I.P. MORTGAGE, INC. | $1,490,000 | $400,000 | -73.2% | 0.1% |
FORT FINANCIAL Federal Credit Union | $110,000 | $390,000 | 254.5% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $1,310,000 | $390,000 | -70.2% | 0.1% |
Discover Bank | $100,000 | $375,000 | 275.0% | 0.1% |
MIDWEST AMERICA | $1,800,000 | $375,000 | -79.2% | 0.1% |
RELIANCE FIRST CAPITAL, LLC | $850,000 | $370,000 | -56.5% | 0.1% |
ROYAL UNITED MORTGAGE LLC | $970,000 | $370,000 | -61.9% | 0.1% |
The Home National Bank of Thorntown | $365,000 | n/a | 0.1% | |
The Farmers & Merchants State Bank | $525,000 | $360,000 | -31.4% | 0.1% |
EMBRACE HOME LOANS, INC. | $330,000 | n/a | 0.1% | |
MICHIGAN MUTUAL, INC. | $955,000 | $330,000 | -65.4% | 0.1% |
Nations Lending Corporation | $455,000 | $325,000 | -28.6% | 0.1% |
BETTER MORTGAGE CORPORATION | $5,290,000 | $315,000 | -94.0% | 0.1% |
Deere Employees Credit Union | $305,000 | n/a | 0.1% | |
Associated Bank | $245,000 | $285,000 | 16.3% | 0.1% |
CHURCHILL MORTGAGE CORPORATION | $805,000 | $280,000 | -65.2% | 0.1% |
Residential Mortgage Solutions, Inc. | $275,000 | n/a | 0.1% | |
Community First Bank of Indiana | $700,000 | $265,000 | -62.1% | 0.1% |
KELLER MORTGAGE, LLC | $580,000 | $265,000 | -54.3% | 0.1% |
NEW DAY FINANCIAL, LLC | $775,000 | $265,000 | -65.8% | 0.1% |
PHH Mortgage Corporation | $160,000 | $255,000 | 59.4% | 0.0% |
Third Federal Savings and Loan Association of Cleveland | $255,000 | n/a | 0.0% | |
AmeriHome Mortgage Company, LLC | $840,000 | $245,000 | -70.8% | 0.0% |
Credit Union 1 | $245,000 | n/a | 0.0% | |
First Federal Bank | $245,000 | n/a | 0.0% | |
INLAND BANK & TRUST | $145,000 | $245,000 | 69.0% | 0.0% |
Lend Smart Mortgage, LLC | $245,000 | n/a | 0.0% | |
Liberty Savings Bank, F.S.B. | $590,000 | $245,000 | -58.5% | 0.0% |
UNITED MORTGAGE CORP. | $235,000 | n/a | 0.0% | |
UNIVERSITY LENDING GROUP, LLC | $225,000 | n/a | 0.0% | |
NETWORK CAPITAL FUNDING CORPORATION | $215,000 | n/a | 0.0% | |
United Community Bank | $215,000 | n/a | 0.0% | |
Elements Financial Federal Credit Union | $2,410,000 | $210,000 | -91.3% | 0.0% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $400,000 | $205,000 | -48.8% | 0.0% |
NATIONS DIRECT MORTGAGE, LLC | $205,000 | n/a | 0.0% | |
OPEN MORTGAGE, LLC | $290,000 | $205,000 | -29.3% | 0.0% |
PLANET HOME LENDING, LLC | $205,000 | $205,000 | 0.0% | 0.0% |
TOWNE MORTGAGE COMPANY | $220,000 | $205,000 | -6.8% | 0.0% |
SUN WEST MORTGAGE COMPANY, INC. | $195,000 | n/a | 0.0% | |
INDIANA MEMBERS CREDIT UNION | $410,000 | $185,000 | -54.9% | 0.0% |
Solidarity Community Federal Credit Union | $185,000 | n/a | 0.0% | |
First National Bank of America | $180,000 | n/a | 0.0% | |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $215,000 | $175,000 | -18.6% | 0.0% |
COMPEER FINANCIAL, FLCA | $175,000 | n/a | 0.0% | |
CMG MORTGAGE, INC. | $125,000 | $165,000 | 32.0% | 0.0% |
FINANCE OF AMERICA MORTGAGE LLC | $165,000 | n/a | 0.0% | |
QUORUM FEDERAL CREDIT UNION | $165,000 | n/a | 0.0% | |
SPRING EQ, LLC | $25,000 | $165,000 | 560.0% | 0.0% |
LOANPAL, LLC | $155,000 | n/a | 0.0% | |
Southern Michigan Bank & Trust | $155,000 | n/a | 0.0% | |
The Farmers Bank, Frankfort, Indiana | $545,000 | $155,000 | -71.6% | 0.0% |
FIRST COMMUNITY MORTGAGE, INC. | $145,000 | n/a | 0.0% | |
LAKEVIEW LOAN SERVICING, LLC | $1,760,000 | $135,000 | -92.3% | 0.0% |
REVERSE MORTGAGE FUNDING LLC | $135,000 | n/a | 0.0% | |
VAN DYK MORTGAGE CORPORATION | $1,215,000 | $135,000 | -88.9% | 0.0% |
Chiphone Federal Credit Union | $115,000 | $125,000 | 8.7% | 0.0% |
HOMESIDE FINANCIAL, LLC | $1,845,000 | $125,000 | -93.2% | 0.0% |
The State Bank and Trust Company | $175,000 | $125,000 | -28.6% | 0.0% |
Arvest Bank | $250,000 | $115,000 | -54.0% | 0.0% |
Figure Lending LLC | $65,000 | $115,000 | 76.9% | 0.0% |
First Internet Bank of Indiana | $580,000 | $115,000 | -80.2% | 0.0% |
MEMBER FIRST MORTGAGE, LLC | $430,000 | $115,000 | -73.3% | 0.0% |
Citadel Servicing Corporation | $105,000 | n/a | 0.0% | |
First American Bank | $105,000 | n/a | 0.0% | |
First Guaranty Mortgage Corporation | $2,890,000 | $105,000 | -96.4% | 0.0% |
Chicago Mortgage Solutions LLC | $95,000 | n/a | 0.0% | |
Citizens Bank | $400,000 | $95,000 | -76.3% | 0.0% |
LENDINGHOME FUNDING CORPORATION | $95,000 | n/a | 0.0% | |
RANLIFE, INC. | $95,000 | n/a | 0.0% | |
FINANCIAL BUILDERS Federal Credit Union | $90,000 | n/a | 0.0% | |
Neighborhood Loans, Inc. | $385,000 | $75,000 | -80.5% | 0.0% |
VILLAGE CAPITAL MORTGAGE | $1,330,000 | $75,000 | -94.4% | 0.0% |
AMERICAN ADVISORS GROUP | $95,000 | $70,000 | -26.3% | 0.0% |
Atlantic Union Bank | $55,000 | n/a | 0.0% | |
INOVA FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
Truist | $205,000 | $55,000 | -73.2% | 0.0% |
Baxter Credit Union | $205,000 | $45,000 | -78.0% | 0.0% |
ALLIANT CREDIT UNION | $25,000 | n/a | 0.0% | |
Circle Federal Credit Union | $25,000 | n/a | 0.0% | |
EVANSVILLE TEACHERS | $95,000 | $25,000 | -73.7% | 0.0% |
Warsaw's top lender by overall market share is Lake City Bank, with 13.0% market share. In second place, with 9.4%, is RUOFF MORTGAGE COMPANY, INC., having originated $48,450,000 in loans. In third place, with 7.8%, is First Federal Savings Bank, having originated $40,060,000 in loans. In fourth place, with 5.4%, is Horizon Bank, having originated $27,740,000 in loans. In fifth place, with 3.6%, is Crossroads Bank, having originated $18,535,000 in loans.
Warsaw Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Warsaw (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $230,925 (19.0%) | $357,713 (18.2%) | 0.00 | 298 |
2018-02-01 | $225,950 (7.2%) | $352,718 (5.0%) | 0.00 | 301 |
2018-03-01 | $249,900 (11.4%) | $367,955 (4.1%) | 0.00 | 312 |
2018-04-01 | $269,375 (12.2%) | $386,852 (-0.5%) | 0.00 | 336 |
2018-05-01 | $258,850 (6.8%) | $388,138 (-2.8%) | 0.00 | 382 |
2018-06-01 | $247,900 (3.3%) | $383,682 (0.6%) | 0.00 | 402 |
2018-07-01 | $244,223 (2.2%) | $368,648 (2.8%) | 0.00 | 395 |
2018-08-01 | $234,900 (4.8%) | $354,374 (2.6%) | 0.00 | 389 |
2018-09-01 | $229,900 (2.2%) | $343,820 (0.2%) | 0.00 | 367 |
2018-10-01 | $219,900 (0.0%) | $328,106 (-2.5%) | 0.00 | 342 |
2018-11-01 | $221,200 (-4.7%) | $312,583 (-10.0%) | 0.00 | 280 |
2018-12-01 | $214,900 (-8.6%) | $310,159 (-11.1%) | 0.00 | 247 |
2019-01-01 | $210,645 (-8.8%) | $291,740 (-18.4%) | 0.00 | 241 |
2019-02-01 | $223,750 (-1.0%) | $307,379 (-12.9%) | 0.00 | 239 |
2019-03-01 | $241,514 (-3.4%) | $353,055 (-4.1%) | 0.00 | 232 |
2019-04-01 | $258,450 (-4.1%) | $395,773 (2.3%) | 0.00 | 232 |
2019-05-01 | $257,425 (-0.6%) | $395,800 (2.0%) | 0.00 | 263 |
2019-06-01 | $277,000 (11.7%) | $404,068 (5.3%) | 0.00 | 256 |
2019-07-01 | $261,625 (7.1%) | $407,919 (10.7%) | 0.00 | 262 |
2019-08-01 | $249,900 (6.4%) | $406,581 (14.7%) | 0.00 | 259 |
2019-09-01 | $249,900 (8.7%) | $399,337 (16.2%) | 0.00 | 262 |
2019-10-01 | $249,900 (13.6%) | $394,508 (20.2%) | 0.00 | 263 |
2019-11-01 | $240,000 (8.5%) | $375,726 (20.2%) | 0.00 | 244 |
2019-12-01 | $240,125 (11.7%) | $352,269 (13.6%) | 0.00 | 210 |
2020-01-01 | $247,475 (17.5%) | $377,750 (29.5%) | 0.00 | 185 |
2020-02-01 | $256,450 (14.6%) | $394,689 (28.4%) | 0.00 | 174 |
2020-03-01 | $284,900 (18.0%) | $413,122 (17.0%) | 0.00 | 171 |
2020-04-01 | $284,450 (10.1%) | $395,393 (-0.1%) | 0.00 | 178 |
2020-05-01 | $279,900 (8.7%) | $394,406 (-0.4%) | 0.00 | 173 |
2020-06-01 | $297,875 (7.5%) | $461,366 (14.2%) | 0.00 | 156 |
2020-07-01 | $270,975 (3.6%) | $451,123 (10.6%) | 0.00 | 129 |
2020-08-01 | $264,900 (6.0%) | $418,455 (2.9%) | 0.00 | 107 |
2020-09-01 | $263,125 (5.3%) | $396,411 (-0.7%) | 0.00 | 110 |
2020-10-01 | $241,950 (-3.2%) | $383,223 (-2.9%) | 0.00 | 113 |
2020-11-01 | $236,625 (-1.4%) | $375,226 (-0.1%) | 0.00 | 118 |
2020-12-01 | $238,000 (-0.9%) | $330,231 (-6.3%) | 0.00 | 95 |
2021-01-01 | $254,900 (3.0%) | $396,608 (5.0%) | 0.00 | 77 |
2021-02-01 | $299,900 (16.9%) | $466,499 (18.2%) | 0.00 | 68 |
2021-03-01 | $304,900 (7.0%) | $482,994 (16.9%) | 0.00 | 60 |
2021-04-01 | $303,900 (6.8%) | $527,826 (33.5%) | 0.00 | 63 |
2021-05-01 | $294,900 (5.4%) | $515,156 (30.6%) | 0.00 | 62 |
2021-06-01 | $311,175 (4.5%) | $557,536 (20.8%) | 0.00 | 67 |
2021-07-01 | $304,900 (12.5%) | $471,252 (4.5%) | 0.00 | 97 |
2021-08-01 | $288,225 (8.8%) | $441,460 (5.5%) | 0.00 | 87 |
2021-09-01 | $279,900 (6.4%) | $435,636 (9.9%) | 0.00 | 97 |
2021-10-01 | $269,250 (11.3%) | $428,695 (11.9%) | 0.00 | 95 |
2021-11-01 | $274,900 (16.2%) | $434,692 (15.9%) | 0.00 | 90 |
2021-12-01 | $283,200 (19.0%) | $465,628 (41.0%) | 0.00 | 77 |
2022-01-01 | $285,900 (12.2%) | $499,978 (26.1%) | 0.00 | 66 |
2022-02-01 | $310,175 (3.4%) | $547,481 (17.4%) | 0.00 | 59 |
2022-03-01 | $312,900 (2.6%) | $509,728 (5.5%) | 0.00 | 64 |
2022-04-01 | $339,900 (11.9%) | $571,152 (8.2%) | 0.00 | 64 |
2022-05-01 | $319,800 (8.4%) | $534,163 (3.7%) | 0.00 | 87 |
2022-06-01 | $338,450 (8.8%) | $512,453 (-8.1%) | 0.00 | 95 |
2022-07-01 | $319,000 (4.6%) | $442,508 (-6.1%) | 0.00 | 125 |
2022-08-01 | $317,475 (10.2%) | $429,114 (-2.8%) | 0.00 | 118 |
2022-09-01 | $349,475 (24.9%) | $437,260 (0.4%) | 0.00 | 120 |
2022-10-01 | $330,000 (22.6%) | $428,237 (-0.1%) | 0.00 | 132 |
2022-11-01 | $325,000 (18.2%) | $498,163 (14.6%) | 0.00 | 121 |
2022-12-01 | $337,000 (19.0%) | $497,074 (6.8%) | 0.00 | 90 |
2023-01-01 | $333,725 (16.7%) | $474,438 (-5.1%) | 0.00 | 86 |
2023-02-01 | $337,250 (8.7%) | $482,969 (-11.8%) | 0.00 | 90 |
2023-03-01 | $351,450 (12.3%) | $573,533 (12.5%) | 0.00 | 87 |
2023-04-01 | $350,400 (3.1%) | $542,075 (-5.1%) | 0.00 | 96 |
2023-05-01 | $362,200 (13.3%) | $557,824 (4.4%) | 0.00 | 99 |
2023-06-01 | $350,650 (3.6%) | $531,011 (3.6%) | 0.00 | 109 |
2023-07-01 | $350,900 (10.0%) | $458,783 (3.7%) | 0.00 | 126 |
2023-08-01 | $335,750 (5.8%) | $430,325 (0.3%) | 0.00 | 130 |
Warsaw's median listing price comes in at 0% of the national average.
Warsaw's average listing price for 2023-08-01 was $430,325, a difference of $1,211 (0.3%) versus the prior year and $-28,458 versus the prior month.
For the 2023-08-01 period, Warsaw had 130 MLS listings, a difference of 4 listings (3%) versus the prior month and 12 listings (10%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Warsaw (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,914 sqft |
2018-02-01 | 0 days | 1,898 sqft |
2018-03-01 | 0 days | 1,891 sqft |
2018-04-01 | 0 days | 1,917 sqft |
2018-05-01 | 0 days | 1,897 sqft |
2018-06-01 | 0 days | 1,891 sqft |
2018-07-01 | 0 days | 1,812 sqft |
2018-08-01 | 0 days | 1,799 sqft |
2018-09-01 | 0 days | 1,834 sqft |
2018-10-01 | 0 days | 1,800 sqft |
2018-11-01 | 0 days | 1,822 sqft |
2018-12-01 | 0 days | 1,809 sqft |
2019-01-01 | 0 days | 1,772 sqft |
2019-02-01 | 0 days | 1,835 sqft |
2019-03-01 | 0 days | 1,889 sqft |
2019-04-01 | 0 days | 1,925 sqft |
2019-05-01 | 0 days | 1,899 sqft |
2019-06-01 | 0 days | 1,863 sqft |
2019-07-01 | 0 days | 1,842 sqft |
2019-08-01 | 0 days | 1,872 sqft |
2019-09-01 | 0 days | 1,907 sqft |
2019-10-01 | 0 days | 1,945 sqft |
2019-11-01 | 0 days | 1,886 sqft |
2019-12-01 | 0 days | 1,897 sqft |
2020-01-01 | 0 days | 1,936 sqft |
2020-02-01 | 0 days | 1,867 sqft |
2020-03-01 | 0 days | 1,898 sqft |
2020-04-01 | 0 days | 1,911 sqft |
2020-05-01 | 0 days | 1,956 sqft |
2020-06-01 | 0 days | 2,100 sqft |
2020-07-01 | 0 days | 1,941 sqft |
2020-08-01 | 0 days | 1,996 sqft |
2020-09-01 | 0 days | 2,010 sqft |
2020-10-01 | 0 days | 1,964 sqft |
2020-11-01 | 0 days | 1,908 sqft |
2020-12-01 | 0 days | 1,888 sqft |
2021-01-01 | 0 days | 1,800 sqft |
2021-02-01 | 0 days | 1,871 sqft |
2021-03-01 | 0 days | 1,885 sqft |
2021-04-01 | 0 days | 1,939 sqft |
2021-05-01 | 0 days | 1,870 sqft |
2021-06-01 | 0 days | 1,906 sqft |
2021-07-01 | 0 days | 1,846 sqft |
2021-08-01 | 0 days | 1,854 sqft |
2021-09-01 | 0 days | 1,767 sqft |
2021-10-01 | 0 days | 1,780 sqft |
2021-11-01 | 0 days | 1,757 sqft |
2021-12-01 | 0 days | 1,760 sqft |
2022-01-01 | 0 days | 1,772 sqft |
2022-02-01 | 0 days | 1,643 sqft |
2022-03-01 | 0 days | 1,659 sqft |
2022-04-01 | 0 days | 1,776 sqft |
2022-05-01 | 0 days | 1,785 sqft |
2022-06-01 | 0 days | 1,851 sqft |
2022-07-01 | 0 days | 1,939 sqft |
2022-08-01 | 0 days | 1,884 sqft |
2022-09-01 | 0 days | 1,866 sqft |
2022-10-01 | 0 days | 1,826 sqft |
2022-11-01 | 0 days | 1,956 sqft |
2022-12-01 | 0 days | 1,950 sqft |
2023-01-01 | 0 days | 1,890 sqft |
2023-02-01 | 0 days | 1,857 sqft |
2023-03-01 | 0 days | 2,060 sqft |
2023-04-01 | 0 days | 2,092 sqft |
2023-05-01 | 0 days | 2,116 sqft |
2023-06-01 | 0 days | 2,048 sqft |
2023-07-01 | 0 days | 2,011 sqft |
2023-08-01 | 0 days | 1,904 sqft |
Warsaw's median square footage for active listings during the 2023-08-01 period was 1,904 sqft. One year prior, the average listing was 1,884 sqft.
Warsaw, IN Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 1,168 | $288,810,000 | $247,269 |
Cash Out Refi | 490 | $85,230,000 | $173,939 |
Refi | 396 | $85,340,000 | $215,505 |
Other | 356 | $36,880,000 | $103,596 |
Home Improvement | 219 | $20,245,000 | $92,443 |
Warsaw's most frequently cited loan purpose was Home Purchase, with 1,168 originations. The 2nd most popular reason was Cash Out Refi, with 490 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 636 | $129,160,000 | $203,082 |
3-4% | 573 | $121,945,000 | $212,818 |
4-5% | 554 | $128,660,000 | $232,238 |
6-7% | 347 | $60,665,000 | $174,827 |
7-8% | 207 | $25,365,000 | $122,536 |
<2.5% | 110 | $19,870,000 | $180,636 |
2.5-3% | 82 | $17,700,000 | $215,854 |
Over 8% | 60 | $3,180,000 | $53,000 |
During 2022, Warsaw's most frequently originated rate bucket was 5-6%, with 636 originations.
Loan Sizing (Warsaw, IN MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 904 | $131,420,000 | $145,376 |
$100,000 or less | 896 | $45,600,000 | $50,893 |
$200k-400k | 643 | $173,625,000 | $270,023 |
$400k-600k | 97 | $46,435,000 | $478,711 |
$600k-1000k | 54 | $39,440,000 | $730,370 |
$Over $1MM | 35 | $79,985,000 | $2,285,286 |
Warsaw's loan sizing saw the bucket of loans from $100k-200k with 904 originations, totaling $131,420,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 835 | $200,485,000 | $240,102 |
60-80% | 595 | $166,225,000 | $279,370 |
Under 20% | 436 | $20,310,000 | $46,583 |
20-40% | 347 | $35,595,000 | $102,579 |
40-60% | 286 | $61,370,000 | $214,580 |
Over 100% | 5 | $12,055,000 | $2,411,000 |
Warsaw's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 835 originations, totaling $200,485,000 in origination value.