Applications / Mortgage Analytics / Lenders / Ohio / Warsaw Federal Savings and Loan Association
Cincinnati, OH · Savings institution · OCC · $101 million assets · 284 loans in 2025
Warsaw Federal Savings and Loan Association's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
284
loans originated, 2025
405
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Warsaw Federal Savings and Loan Association lends to lower-income borrowers far more than similar savings institutions do: 44.0% of its borrowers had low or moderate incomes, against 24.1% at peers.
Similar lenders are savings institutions making between half and twice as many loans. Its share of low- and moderate-income borrowers is higher than at almost all of them, and has risen from 26.6% in 2024 and 13.3% in 2020. Its share of loans in low- and moderate-income neighborhoods, 27.8%, is higher than at nine in ten peers.
Most similar lenders make only conventional loans. Warsaw Federal made 4.6% of its loans with insurance from the Federal Housing Administration and 1.1% with a guarantee from the Department of Veterans Affairs. Three-quarters of its lending was for home purchase.
It has lent in the Cincinnati area since 1990 and ranks 61 of 621 lenders there. Its share slipped to 0.4% from 0.5%, possibly because its loans grew 4% while the market as a whole grew 10%. United Wholesale Mortgage leads the area.
It made 284 loans in 2025, against 274 the year before; the typical similar lender grew 7%. Its yearly count has moved between 121 and 369 since 2018 without a trend. It reaches 16 states, and in 2025 made its first loans in Chattanooga, Allentown and Portland.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Warsaw Federal Savings and Loan Association took 405 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.7% · Refinance 21.5% · Other 2.5% · Home improvement 0.4%
Conventional 94.4% · FHA 4.6% · VA 1.1% · of 284 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 231 | 81.3% |
| Kentucky | 19 | 6.7% |
| Florida | 6 | 2.1% |
| Tennessee | 6 | 2.1% |
| Indiana | 5 | 1.8% |
| South Carolina | 3 | 1.1% |
| Alabama | 2 | 0.7% |
| Arizona | 2 | 0.7% |
| Mississippi | 2 | 0.7% |
| North Carolina | 2 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 232 |
| Dayton-Kettering-Beavercreek | 11 |
| Birmingham | 2 |
| Cleveland | 2 |
| Greenville-Anderson-Greer | 2 |
| Gulfport-Biloxi | 2 |
| Indianapolis-Carmel-Greenwood | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Raleigh-Cary | 2 |
| St. Petersburg-Clearwater-Largo | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LUF8JLB9HKT321 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 875879 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41158 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701158 | 2011–2017 |
Established 1 January 1893. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Warsaw Federal Savings and Loan Association's data.
Warsaw Federal Savings and Loan Association's data
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Warsaw Federal Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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