# Warsaw Federal Savings and Loan Association

> **Canonical URL:** https://saferate.com/lenders/warsaw-federal-savings-and-loan-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Warsaw Federal Savings and Loan Association is a bank, headquartered in Cincinnati, OH, serving borrowers across 18 states, with 269 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300LUF8JLB9HKT321
- **Headquarters:** Cincinnati, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 18
- **State List:** AL, AR, FL, IL, IN, KY, MA, MD, MI, MO, NC, OH, PA, SC, TN, UT, VA, WA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.245%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $732
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 269
- **Dollar Volume:** $85 million
- **Applications Received:** 348
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,710
- **Average Borrower Income:** $181,353
- **Average Property Value:** $429,312

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 248 | +0.236% | $732 | Sound ☺️ |
| FHA | 50/100 | 10 | +0.258% | $1,008 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 222 loans, Score: 51/100 (Sound)
- Refinance: 26 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 242 | $75M | +0.231% | Sound ☺️ |
| Refinance | 37/100 | 27 | $11M | +0.355% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 185 | 0.14% | 72/100 |
| KY | 25 | 0.05% | 53/100 |
| FL | 14 | 0.00% | 39/100 |
| IN | 11 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 196 | 84/100 |
| Non |  | 12 | 24/100 |

## Where This Lender Ranks

Warsaw Federal Savings and Loan Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Cincinnati, OH Banks
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks)
- 🏆 **#7** in Cincinnati, OH for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#10** in Cincinnati, OH
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders)
- 🏆 **#13** in Cincinnati, OH for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#17** in Cincinnati, OH for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/jumbo-loans)
- 🏆 **#18** in Cincinnati, OH for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Cincinnati, OH for FHA Loans
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Warsaw Federal Savings and Loan Association offer?

Warsaw Federal Savings and Loan Association offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Warsaw Federal Savings and Loan Association offer mortgages?

Warsaw Federal Savings and Loan Association offers mortgages in 18 states: AL, AR, FL, IL, IN, KY, MA, MD, MI, MO, NC, OH, PA, SC, TN, UT, VA, WA.

### How competitive are Warsaw Federal Savings and Loan Association's mortgage rates?

Warsaw Federal Savings and Loan Association has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.245% above market average.

### What type of lender is Warsaw Federal Savings and Loan Association?

Warsaw Federal Savings and Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Cincinnati, OH.

### What is Warsaw Federal Savings and Loan Association's loan approval success rate?

Warsaw Federal Savings and Loan Association has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/warsaw-federal-savings-and-loan-association

### How to Cite

> "Warsaw Federal Savings and Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/warsaw-federal-savings-and-loan-association

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