Purchase Originations
187
Median Total Costs
$4,202
−37.1% vs national ($6,680)
↑ $167 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.175% vs prior year
Median Origination
$1,248
Median Lender Credits
$81
Denial Rate
7.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 173 | 6.500% | $4,174 | $1,248 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,482 | 6.500% | — | 1 | −$720 | |
| 2 | $3,504 | 7.000% | — | 1 | −$698 | |
| 3 | $3,896 | 6.250% | — | 4 | −$306 | |
| 4 | $3,936 | 6.450% | — | 9 | −$266 | |
| 5 | $4,013 | 6.400% | — | 1 | −$189 | |
| 6 | $4,048 | 6.350% | — | 1 | −$154 | |
| 7 | $4,122 | 6.575% | — | 20 | −$80 | |
| 8 | $4,181 | 6.575% | — | 17 | −$21 | |
| 9 | $4,216 | 6.500% | — | 109 | +$14 | |
| 10 | $4,320 | 6.500% | — | 8 | +$118 | |
| 11 | $4,368 | 6.125% | — | 1 | +$166 | |
| 12 | $4,584 | 6.300% | — | 1 | +$382 | |
| 13 | $4,612 | 6.825% | — | 1 | +$410 | |
| 14 | $4,805 | 6.357% | — | 2 | +$603 | |
| 15 | $5,334 | 6.325% | — | 2 | +$1,132 | |
| 16 | $5,362 | 7.200% | — | 1 | +$1,160 | |
| 17 | $5,570 | 6.625% | — | 1 | +$1,368 | |
| 18 | $6,029 | 7.125% | — | 1 | +$1,827 | |
| 19 | $6,559 | 6.213% | — | 2 | +$2,357 | |
| 20 | $6,960 | 6.950% | — | 1 | +$2,758 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Warsaw Federal Savings and Loan Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $4,202 | $7,127 | −$2,925 (−41.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.