Warsaw Federal Savings and Loan Association Mortgage Lending & HMDA Data, 2022
In 2022, Warsaw Federal Savings and Loan Association of Cincinnati, OH reported 423 mortgage applications totaling $124.1 million, up 54% from 2021. The average application was for $293,463, and applicants reported an average income of $191,969. 76% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cincinnati, OH-KY-IN (218), Memphis, TN-MS-AR (17) and Dayton-Springfield-Kettering, OH (16) (applications in parentheses).
| 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 | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 423 |
| Total Mortgage Loan Application Amount | $124,135,000 |
| Average Mortgage Loan Application Amount | $293,463 |
| Highest Mortgage Loan Application Amount | $2,255,000 |
| Average Applicant Income | $191,969 |
| Highest Applicant Income | $2,896,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Warsaw Federal Savings and Loan Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 218 | $ 66,480,000 | $ 304,954 | $ 154,715 |
| Memphis, TN-MS-AR | 17 | $ 1,575,000 | $ 92,647 | $ 165,176 |
| Dayton-Springfield-Kettering, OH | 16 | $ 1,790,000 | $ 111,875 | $ 173,000 |
| Outside any metro area | 15 | $ 3,795,000 | $ 253,000 | $ 179,666 |
| Baltimore-Columbia-Towson, MD | 12 | $ 1,870,000 | $ 155,833 | $ 203,000 |
| Cleveland-Elyria, OH | 10 | $ 1,370,000 | $ 137,000 | $ 132,000 |
| Indianapolis-Carmel-Anderson, IN | 10 | $ 1,810,000 | $ 181,000 | $ 136,000 |
| Columbus, OH | 7 | $ 3,175,000 | $ 453,571 | $ 441,000 |
| Lansing-East Lansing, MI | 7 | $ 405,000 | $ 57,857 | $ 142,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 315,000 | $ 63,000 | $ 333,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,885,000 | $ 377,000 | $ 147,000 |
| Ocala, FL | 5 | $ 895,000 | $ 179,000 | $ 210,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 3,325,000 | $ 665,000 | $ 580,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,895,000 | $ 379,000 | $ 196,000 |
| Akron, OH | 4 | $ 700,000 | $ 175,000 | $ 200,000 |
| Gary, IN | 4 | $ 970,000 | $ 242,500 | $ 180,000 |
| Kansas City, MO-KS | 4 | $ 470,000 | $ 117,500 | $ 117,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 1,625,000 | $ 541,666 | $ 281,000 |
| Huntsville, AL | 3 | $ 415,000 | $ 138,333 | $ 339,000 |
| Jacksonville, FL | 3 | $ 1,225,000 | $ 408,333 | $ 276,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,995,000 | $ 665,000 | $ 399,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 975,000 | $ 325,000 | $ 129,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,605,000 | $ 535,000 | $ 346,000 |
| Asheville, NC | 2 | $ 1,110,000 | $ 555,000 | $ 218,000 |
| Baton Rouge, LA | 2 | $ 360,000 | $ 180,000 | $ 205,000 |
| Birmingham-Hoover, AL | 2 | $ 260,000 | $ 130,000 | $ 153,000 |
| Canton-Massillon, OH | 2 | $ 230,000 | $ 115,000 | $ 131,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 620,000 | $ 310,000 | $ 206,000 |
| Chicago-Naperville, IL | 2 | $ 1,530,000 | $ 765,000 | $ 299,000 |
| Elgin, IL | 2 | $ 870,000 | $ 435,000 | $ 1,542,000 |
| Fayetteville, NC | 2 | $ 300,000 | $ 150,000 | $ 77,000 |
| Fort Wayne, IN | 2 | $ 1,230,000 | $ 615,000 | $ 332,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 1,140,000 | $ 570,000 | $ 300,000 |
| Lakeland-Winter Haven, FL | 2 | $ 460,000 | $ 230,000 | $ 130,000 |
| Lexington-Fayette, KY | 2 | $ 820,000 | $ 410,000 | $ 140,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 210,000 | $ 105,000 | $ 143,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 1,240,000 | $ 620,000 | $ 296,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 1,230,000 | $ 615,000 | $ 381,000 |
| Pittsburgh, PA | 2 | $ 1,910,000 | $ 955,000 | $ 394,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 945,000 | $ 945,000 | $ 375,000 |
| Carbondale-Marion, IL | 1 | $ 325,000 | $ 325,000 | $ 519,000 |
| Columbus, IN | 1 | $ 285,000 | $ 285,000 | $ 127,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 255,000 | $ 255,000 | $ 1,278,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 300,000 |
| Durham-Chapel Hill, NC | 1 | $ 425,000 | $ 425,000 | $ 93,000 |
| Evansville, IN-KY | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Homosassa Springs, FL | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Knoxville, TN | 1 | $ 1,245,000 | $ 1,245,000 | $ 399,000 |
| Madison, WI | 1 | $ 945,000 | $ 945,000 | $ 278,000 |
| Mansfield, OH | 1 | $ 75,000 | $ 75,000 | $ 133,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 1,175,000 | $ 1,175,000 | $ 350,000 |
| Morgantown, WV | 1 | $ 295,000 | $ 295,000 | $ 58,000 |
| Muncie, IN | 1 | $ 85,000 | $ 85,000 | $ 174,000 |
| Newark, NJ-PA | 1 | $ 645,000 | $ 645,000 | $ 231,000 |
| Owensboro, KY | 1 | $ 595,000 | $ 595,000 | $ 275,000 |
| Philadelphia, PA | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 515,000 | $ 515,000 | $ 80,000 |
| Raleigh, NC | 1 | $ 405,000 | $ 405,000 | $ 90,000 |
| Spokane-Spokane Valley, WA | 1 | $ 325,000 | $ 325,000 | $ 156,000 |
| St. Louis, MO-IL | 1 | $ 435,000 | $ 435,000 | $ 179,000 |
| Tuscaloosa, AL | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
Mortgage Loan Application Detail Totals for Warsaw Federal Savings and Loan Association in 2022
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 | 365 | $112,055,000 | $307,000 | $2,255,000 | $197,000 | $2,896,000 |
| Cash-out Refinancing | 33 | $5,645,000 | $171,000 | $625,000 | $129,000 | $309,000 |
| Refinancing | 13 | $4,335,000 | $333,000 | $945,000 | $289,000 | $1,825,000 |
| Other Purpose | 12 | $2,100,000 | $175,000 | $465,000 | $107,000 | $225,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 251 | $78,355,000 | $312,000 | $2,255,000 | $182,000 | $2,050,000 |
| Not Provided | 64 | $17,830,000 | $278,000 | $1,255,000 | $220,000 | $1,825,000 |
| Asian | 49 | $9,695,000 | $197,000 | $955,000 | $200,000 | $625,000 |
| Black or African American | 23 | $6,065,000 | $263,000 | $925,000 | $127,000 | $317,000 |
| Hispanic | 22 | $4,500,000 | $204,000 | $605,000 | $262,000 | $2,896,000 |
| American Indian or Alaskan Native | 3 | $1,785,000 | $595,000 | $865,000 | $189,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 411 | $120,425,000 | $293,000 | $2,255,000 | $195,000 | $2,896,000 |
| FHA-insured (Federal Housing Administration) | 11 | $3,405,000 | $309,000 | $465,000 | $95,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 1 | $305,000 | $305,000 | $305,000 | $150,000 | $150,000 |
| 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 | 323 | $89,315,000 | $276,000 | $1,635,000 | $172,000 | $2,050,000 |
| Application Withdrawn By Applicant | 66 | $21,700,000 | $328,000 | $2,255,000 | $228,000 | $1,278,000 |
| Application Denied By Financial Institution | 25 | $8,965,000 | $358,000 | $945,000 | $352,000 | $2,896,000 |
| File Closed For Incompleteness | 7 | $3,655,000 | $522,000 | $1,005,000 | $234,000 | $530,000 |
| Application Approved But Not Accepted | 2 | $500,000 | $250,000 | $425,000 | $206,000 | $213,000 |
| 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 | 398 | $115,170,000 | $289,000 | $2,255,000 | $182,000 | $2,050,000 |
| Other | 9 | $4,095,000 | $455,000 | $775,000 | $658,000 | $2,896,000 |
| Collateral | 7 | $925,000 | $132,000 | $525,000 | $149,000 | $325,000 |
| Debt-To-Income Ratio | 5 | $1,455,000 | $291,000 | $755,000 | $120,000 | $312,000 |
| Unverifiable Information | 2 | $1,600,000 | $800,000 | $945,000 | $365,000 | $530,000 |
| Credit History | 2 | $890,000 | $445,000 | $585,000 | $248,000 | $400,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2022 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.
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