Warsaw Federal Savings And Loan Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Warsaw Federal Savings And Loan Association 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Warsaw Federal Savings And Loan Association 3533 Warsaw Ave Cincinnati, OH 45205 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 450 |
| Total Mortgage Loan Application Amount | $124,570,000 |
| Average Mortgage Loan Application Amount | $198,000 |
| Highest Mortgage Loan Application Amount | $2,045,000 |
| Average Applicant Income | $245,600 |
| Highest Applicant Income | $1,099,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Warsaw Federal Savings And Loan Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Warsaw Federal Savings And Loan Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Warsaw Federal Savings And Loan Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Warsaw Federal Savings And Loan Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Warsaw Federal Savings And Loan Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Warsaw Federal Savings And Loan Association's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hamilton County Ohio | 144 | $ 43,530,000 | $ 302,000 | $ 163,000 |
| Butler County Ohio | 49 | $ 10,965,000 | $ 223,000 | $ 146,000 |
| Clermont County Ohio | 30 | $ 12,510,000 | $ 417,000 | $ 204,000 |
| Baltimore City County Maryland | 23 | $ 3,455,000 | $ 150,000 | $ 223,000 |
| Warren County Ohio | 18 | $ 6,160,000 | $ 342,000 | $ 156,000 |
| Kenton County Kentucky | 16 | $ 3,670,000 | $ 229,000 | $ 112,000 |
| Cuyahoga County Ohio | 14 | $ 1,650,000 | $ 117,000 | $ 177,000 |
| Montgomery County Ohio | 12 | $ 2,970,000 | $ 247,000 | $ 232,000 |
| Campbell County Kentucky | 10 | $ 2,850,000 | $ 285,000 | $ 134,000 |
| Marion County Indiana | 7 | $ 1,515,000 | $ 216,000 | $ 232,000 |
| Shelby County Tennessee | 7 | $ 625,000 | $ 89,000 | $ 163,000 |
| Marion County Florida | 6 | $ 1,260,000 | $ 210,000 | $ 158,000 |
| Boone County Kentucky | 6 | $ 2,380,000 | $ 396,000 | $ 156,000 |
| Sarasota County Florida | 5 | $ 1,305,000 | $ 261,000 | $ 177,000 |
| Jackson County Mississippi | 4 | $ 270,000 | $ 67,000 | $ 185,000 |
| Canadian County Oklahoma | 4 | $ 720,000 | $ 180,000 | $ 166,000 |
| Charlotte County Florida | 3 | $ 775,000 | $ 258,000 | $ 231,000 |
| Flagler County Florida | 3 | $ 715,000 | $ 238,000 | $ 165,000 |
| Pinellas County Florida | 3 | $ 925,000 | $ 308,000 | $ 351,000 |
| Delaware County Indiana | 3 | $ 255,000 | $ 85,000 | $ 172,000 |
| Madison County Alabama | 2 | $ 360,000 | $ 180,000 | $ 226,000 |
| Mobile County Alabama | 2 | $ 120,000 | $ 60,000 | $ 182,000 |
| Brevard County Florida | 2 | $ 390,000 | $ 195,000 | $ 503,000 |
| Lee County Florida | 2 | $ 810,000 | $ 405,000 | $ 291,000 |
| Henry County Indiana | 2 | $ 500,000 | $ 250,000 | $ 99,000 |
| Monroe County Indiana | 2 | $ 1,030,000 | $ 515,000 | $ 199,000 |
| Vanderburgh County Indiana | 2 | $ 200,000 | $ 100,000 | $ 245,000 |
| Jefferson County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 141,000 |
| Stanly County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 320,000 |
| Greene County Ohio | 2 | $ 420,000 | $ 210,000 | $ 321,000 |
| Highland County Ohio | 2 | $ 430,000 | $ 215,000 | $ 110,000 |
| Lorain County Ohio | 2 | $ 500,000 | $ 250,000 | $ 124,000 |
| Jefferson County Alabama | 1 | $ 105,000 | $ 105,000 | $ 208,000 |
| Limestone County Alabama | 1 | $ 165,000 | $ 165,000 | $ 277,000 |
| Shelby County Alabama | 1 | $ 155,000 | $ 155,000 | $ 229,000 |
| Pulaski County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 191,000 |
| Bay County Florida | 1 | $ 335,000 | $ 335,000 | $ 219,000 |
| Highlands County Florida | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Hillsborough County Florida | 1 | $ 365,000 | $ 365,000 | $ 174,000 |
| Pasco County Florida | 1 | $ 195,000 | $ 195,000 | $ 247,000 |
| Kane County Illinois | 1 | $ 1,145,000 | $ 1,145,000 | $ 603,000 |
| Madison County Illinois | 1 | $ 715,000 | $ 715,000 | $ 519,000 |
| Union County Illinois | 1 | $ 765,000 | $ 765,000 | $ 633,000 |
| Brown County Indiana | 1 | $ 505,000 | $ 505,000 | $ 288,000 |
| Elkhart County Indiana | 1 | $ 235,000 | $ 235,000 | $ 327,000 |
| Floyd County Indiana | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Gibson County Indiana | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Hamilton County Indiana | 1 | $ 685,000 | $ 685,000 | $ 215,000 |
| Hendricks County Indiana | 1 | $ 145,000 | $ 145,000 | $ 240,000 |
| Lake County Indiana | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| St. Joseph County Indiana | 1 | $ 125,000 | $ 125,000 | $ 134,000 |
| Switzerland County Indiana | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Union County Indiana | 1 | $ 105,000 | $ 105,000 | $ 73,000 |
| Shawnee County Kansas | 1 | $ 55,000 | $ 55,000 | $ 155,000 |
| Breathitt County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 450,000 |
| Elliott County Kentucky | 1 | $ 475,000 | $ 475,000 | $ 184,000 |
| Grant County Kentucky | 1 | $ 365,000 | $ 365,000 | $ 138,000 |
| Mason County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Perry County Kentucky | 1 | $ 705,000 | $ 705,000 | $ 450,000 |
| Wolfe County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 167,000 |
| Anne Arundel County Maryland | 1 | $ 655,000 | $ 655,000 | $ 371,000 |
| Berrien County Michigan | 1 | $ 965,000 | $ 965,000 | $ 533,000 |
| Huron County Michigan | 1 | $ 775,000 | $ 775,000 | $ 316,000 |
| Ingham County Michigan | 1 | $ 85,000 | $ 85,000 | $ 142,000 |
| Oakland County Michigan | 1 | $ 485,000 | $ 485,000 | $ 124,000 |
| Washtenaw County Michigan | 1 | $ 555,000 | $ 555,000 | $ 586,000 |
| Lamar County Mississippi | 1 | $ 725,000 | $ 725,000 | $ 707,000 |
| Buncombe County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 232,000 |
| Cabarrus County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 176,000 |
| Franklin County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Gaston County North Carolina | 1 | $ 395,000 | $ 395,000 | $ 374,000 |
| Haywood County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Iredell County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 534,000 |
| New Hanover County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 245,000 |
| Clinton County Ohio | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| Erie County Ohio | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| Franklin County Ohio | 1 | $ 595,000 | $ 595,000 | $ 834,000 |
| Hancock County Ohio | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Henry County Ohio | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| Lake County Ohio | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| Lucas County Ohio | 1 | $ 155,000 | $ 155,000 | $ 87,000 |
| Medina County Ohio | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Miami County Ohio | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Preble County Ohio | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Union County Ohio | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Bradford County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 304,000 |
| Knox County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Sevier County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 211,000 |
| Morgan County Utah | 1 | $ 505,000 | $ 505,000 | $ 156,000 |
| Spokane County Washington | 1 | $ 345,000 | $ 345,000 | $ 97,000 |
| Brown County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Warsaw Federal Savings And Loan Association in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 415 | $118,205,000 | $284,000 | $2,045,000 | $185,000 | $1,099,000 |
| Cash-out Refinancing | 15 | $2,355,000 | $157,000 | $265,000 | $110,000 | $240,000 |
| Refinancing | 10 | $2,270,000 | $227,000 | $685,000 | $94,000 | $158,000 |
| Other Purpose | 9 | $1,595,000 | $177,000 | $505,000 | $265,000 | $593,000 |
| Home Improvement | 1 | $145,000 | $145,000 | $145,000 | $574,000 | $574,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 301 | $85,555,000 | $284,000 | $2,045,000 | $169,000 | $1,099,000 |
| Not Provided | 59 | $14,405,000 | $244,000 | $1,005,000 | $206,000 | $534,000 |
| Asian | 32 | $10,120,000 | $316,000 | $1,385,000 | $280,000 | $897,000 |
| Black or African American | 24 | $4,100,000 | $170,000 | $725,000 | $140,000 | $745,000 |
| Hispanic | 17 | $3,395,000 | $199,000 | $505,000 | $149,000 | $308,000 |
| Not applicable | 2 | $860,000 | $430,000 | $685,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $755,000 | $755,000 | $755,000 | $245,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 431 | $119,815,000 | $277,000 | $2,045,000 | $187,000 | $1,099,000 |
| FHA-insured (Federal Housing Administration) | 17 | $3,895,000 | $229,000 | $405,000 | $85,000 | $153,000 |
| VA-guaranteed (Veterans Administration) | 2 | $860,000 | $430,000 | $575,000 | $116,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 349 | $98,375,000 | $281,000 | $1,385,000 | $186,000 | $897,000 |
| Application Withdrawn By Applicant | 82 | $23,100,000 | $281,000 | $2,045,000 | $196,000 | $1,099,000 |
| Application Denied By Financial Institution | 13 | $2,275,000 | $175,000 | $295,000 | $66,000 | $262,000 |
| File Closed For Incompleteness | 4 | $590,000 | $147,000 | $275,000 | $66,000 | $78,000 |
| Application Approved But Not Accepted | 2 | $230,000 | $115,000 | $165,000 | $134,000 | $162,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 437 | $122,295,000 | $279,000 | $2,045,000 | $187,000 | $1,099,000 |
| Debt-To-Income Ratio | 7 | $1,245,000 | $177,000 | $295,000 | $53,000 | $100,000 |
| Employment History | 2 | $290,000 | $145,000 | $165,000 | $42,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $410,000 | $205,000 | $245,000 | $47,000 | $59,000 |
| Other | 1 | $225,000 | $225,000 | $225,000 | $262,000 | $262,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $46,000 | $46,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Warsaw Federal Savings And Loan Association's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Warsaw Federal Savings And Loan Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.