Fairfield Financial Mortgage Lending & HMDA Data, 2006
In 2006, Fairfield Financial of Danbury, CT reported 2,613 mortgage applications totaling $580.2 million. The average application was for $222,060, and applicants reported an average income of $90,802. 45% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (417), Boston-Quincy, MA (238) and Providence-New Bedford-Fall River, RI-MA (220) (applications in parentheses).
| Mortgage Company & Address | Fairfield Financial 2 National Place Danbury, CT 06810 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 2,613 |
| Total Mortgage Loan Application Amount | $580,243,000 |
| Average Mortgage Loan Application Amount | $222,060 |
| Highest Mortgage Loan Application Amount | $2,450,000 |
| Average Applicant Income | $90,802 |
| Highest Applicant Income | $1,884,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fairfield Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield, Connecticut | 186 | $ 46,229,000 | $ 248,543 | $ 96,000 |
| New Haven, Connecticut | 148 | $ 23,844,000 | $ 161,108 | $ 88,000 |
| Kings, New York | 122 | $ 40,632,000 | $ 333,049 | $ 69,000 |
| Nassau, New York | 120 | $ 30,787,000 | $ 256,558 | $ 101,000 |
| Queens, New York | 112 | $ 35,070,000 | $ 313,125 | $ 74,000 |
| Plymouth, Massachusetts | 111 | $ 24,611,000 | $ 221,720 | $ 114,000 |
| Providence, Rhode Island | 101 | $ 17,557,000 | $ 173,831 | $ 67,000 |
| Suffolk, New York | 80 | $ 21,193,000 | $ 264,912 | $ 117,000 |
| Suffolk, Massachusetts | 69 | $ 20,953,000 | $ 303,666 | $ 121,000 |
| Bristol, Massachusetts | 63 | $ 12,847,000 | $ 203,920 | $ 68,000 |
| Worcester, Massachusetts | 62 | $ 11,386,000 | $ 183,645 | $ 58,000 |
| Litchfield, Connecticut | 58 | $ 13,874,000 | $ 239,206 | $ 110,000 |
| Norfolk, Massachusetts | 58 | $ 14,732,000 | $ 254,000 | $ 77,000 |
| Hartford, Connecticut | 54 | $ 7,316,000 | $ 135,481 | $ 52,000 |
| Middlesex, Massachusetts | 54 | $ 15,565,000 | $ 288,240 | $ 85,000 |
| Essex, New Jersey | 43 | $ 11,285,000 | $ 262,441 | $ 126,000 |
| Bronx, New York | 42 | $ 10,501,000 | $ 250,023 | $ 69,000 |
| Westchester, New York | 42 | $ 13,206,000 | $ 314,428 | $ 104,000 |
| Dutchess, New York | 41 | $ 10,532,000 | $ 256,878 | $ 76,000 |
| Hampden, Massachusetts | 36 | $ 4,501,000 | $ 125,027 | $ 65,000 |
| Kent, Rhode Island | 28 | $ 4,335,000 | $ 154,821 | $ 61,000 |
| Essex, Massachusetts | 25 | $ 6,545,000 | $ 261,800 | $ 123,000 |
| Morris, New Jersey | 25 | $ 5,717,000 | $ 228,680 | $ 115,000 |
| Philadelphia, Pennsylvania | 24 | $ 2,723,000 | $ 113,458 | $ 80,000 |
| Hudson, New Jersey | 21 | $ 5,091,000 | $ 242,428 | $ 109,000 |
| Ocean, New Jersey | 20 | $ 5,366,000 | $ 268,300 | $ 106,000 |
| Luzerne, Pennsylvania | 20 | $ 1,806,000 | $ 90,300 | $ 92,000 |
| Middlesex, New Jersey | 19 | $ 5,658,000 | $ 297,789 | $ 131,000 |
| Orange, Florida | 18 | $ 3,363,000 | $ 186,833 | $ 62,000 |
| Barnstable, Massachusetts | 18 | $ 5,614,000 | $ 311,888 | $ 183,000 |
| Monroe, Pennsylvania | 18 | $ 2,243,000 | $ 124,611 | $ 57,000 |
| Camden, New Jersey | 17 | $ 2,662,000 | $ 156,588 | $ 82,000 |
| Passaic, New Jersey | 17 | $ 3,387,000 | $ 199,235 | $ 105,000 |
| Richmond, New York | 17 | $ 3,393,000 | $ 199,588 | $ 70,000 |
| New London, Connecticut | 16 | $ 2,925,000 | $ 182,812 | $ 91,000 |
| Palm Beach, Florida | 15 | $ 4,267,000 | $ 284,466 | $ 155,000 |
| Bergen, New Jersey | 15 | $ 3,923,000 | $ 261,533 | $ 101,000 |
| Burlington, New Jersey | 15 | $ 2,545,000 | $ 169,666 | $ 60,000 |
| Monmouth, New Jersey | 15 | $ 3,208,000 | $ 213,866 | $ 94,000 |
| Orange, New York | 15 | $ 2,942,000 | $ 196,133 | $ 91,000 |
| Allegheny, Pennsylvania | 15 | $ 1,220,000 | $ 81,333 | $ 45,000 |
| Washington, Rhode Island | 15 | $ 3,341,000 | $ 222,733 | $ 122,000 |
| Union, New Jersey | 13 | $ 3,705,000 | $ 285,000 | $ 88,000 |
| Lee, Florida | 12 | $ 2,026,000 | $ 168,833 | $ 62,000 |
| New York, New York | 12 | $ 6,947,000 | $ 578,916 | $ 287,000 |
| Hillsborough, New Hampshire | 11 | $ 2,255,000 | $ 205,000 | $ 82,000 |
| Onondaga, New York | 11 | $ 738,000 | $ 67,090 | $ 56,000 |
| Ontario, New York | 11 | $ 937,000 | $ 85,181 | $ 174,000 |
| Rockland, New York | 11 | $ 3,206,000 | $ 291,454 | $ 112,000 |
| Montgomery, Pennsylvania | 11 | $ 2,611,000 | $ 237,363 | $ 159,000 |
| Los Angeles, California | 10 | $ 4,002,000 | $ 400,200 | $ 206,000 |
| Newport, Rhode Island | 10 | $ 3,431,000 | $ 343,100 | $ 196,000 |
| Osceola, Florida | 9 | $ 1,304,000 | $ 144,888 | $ 32,000 |
| Atlantic, New Jersey | 9 | $ 3,217,000 | $ 357,444 | $ 173,000 |
| Oneida, New York | 9 | $ 471,000 | $ 52,333 | $ 133,000 |
| Westmoreland, Pennsylvania | 9 | $ 1,274,000 | $ 141,555 | $ 50,000 |
| Brevard, Florida | 8 | $ 1,202,000 | $ 150,250 | $ 110,000 |
| Merrimack, New Hampshire | 8 | $ 1,245,000 | $ 155,625 | $ 73,000 |
| Mercer, New Jersey | 8 | $ 1,664,000 | $ 208,000 | $ 112,000 |
| Warren, New Jersey | 8 | $ 1,145,000 | $ 143,125 | $ 59,000 |
| Monroe, New York | 8 | $ 696,000 | $ 87,000 | $ 32,000 |
| Middlesex, Connecticut | 7 | $ 1,163,000 | $ 166,142 | $ 39,000 |
| Windham, Connecticut | 7 | $ 1,162,000 | $ 166,000 | $ 81,000 |
| Miami-Dade, Florida | 7 | $ 1,476,000 | $ 210,857 | $ 149,000 |
| Anne Arundel, Maryland | 7 | $ 1,712,000 | $ 244,571 | $ 44,000 |
| Montgomery, Maryland | 7 | $ 1,647,000 | $ 235,285 | $ 41,000 |
| Broome, New York | 7 | $ 659,000 | $ 94,142 | $ 76,000 |
| Madison, New York | 7 | $ 776,000 | $ 110,857 | $ 74,000 |
| Horry, South Carolina | 7 | $ 1,372,000 | $ 196,000 | $ 197,000 |
| Broward, Florida | 6 | $ 844,000 | $ 140,666 | $ 62,000 |
| Fulton, Georgia | 6 | $ 1,165,000 | $ 194,166 | $ 73,000 |
| Belknap, New Hampshire | 6 | $ 499,000 | $ 83,166 | $ 85,000 |
| Rockingham, New Hampshire | 6 | $ 1,307,000 | $ 217,833 | $ 209,000 |
| Putnam, New York | 6 | $ 1,423,000 | $ 237,166 | $ 72,000 |
| Sullivan, New York | 6 | $ 866,000 | $ 144,333 | $ 78,000 |
| Ulster, New York | 6 | $ 919,000 | $ 153,166 | $ 93,000 |
| Northampton, Pennsylvania | 6 | $ 694,000 | $ 115,666 | $ 48,000 |
| Tarrant, Texas | 6 | $ 656,000 | $ 109,333 | $ 76,000 |
| Hillsborough, Florida | 5 | $ 629,000 | $ 125,800 | $ 43,000 |
| Pinellas, Florida | 5 | $ 1,650,000 | $ 330,000 | $ 31,000 |
| Volusia, Florida | 5 | $ 597,000 | $ 119,400 | $ 87,000 |
| Baltimore City, Maryland | 5 | $ 350,000 | $ 70,000 | $ 54,000 |
| Hunterdon, New Jersey | 5 | $ 1,798,000 | $ 359,600 | $ 105,000 |
| Rensselaer, New York | 5 | $ 304,000 | $ 60,800 | $ 106,000 |
| Pike, Pennsylvania | 5 | $ 978,000 | $ 195,600 | $ 78,000 |
| Yuma, Arizona | 4 | $ 1,055,000 | $ 263,750 | $ 180,000 |
| Orange, California | 4 | $ 1,717,000 | $ 429,250 | $ 163,000 |
| San Bernardino, California | 4 | $ 1,017,000 | $ 254,250 | $ 98,000 |
| Tolland, Connecticut | 4 | $ 662,000 | $ 165,500 | $ 55,000 |
| Glades, Florida | 4 | $ 356,000 | $ 89,000 | $ 203,000 |
| Hernando, Florida | 4 | $ 444,000 | $ 111,000 | $ 100,000 |
| Pasco, Florida | 4 | $ 562,000 | $ 140,500 | $ 7,000 |
| Polk, Florida | 4 | $ 558,000 | $ 139,500 | $ 61,000 |
| Prince George's, Maryland | 4 | $ 636,000 | $ 159,000 | $ 82,000 |
| Hampshire, Massachusetts | 4 | $ 672,000 | $ 168,000 | $ 51,000 |
| Strafford, New Hampshire | 4 | $ 716,000 | $ 179,000 | $ 0 |
| Greene, New York | 4 | $ 1,245,000 | $ 311,250 | $ 471,000 |
| Schenectady, New York | 4 | $ 494,000 | $ 123,500 | $ 62,000 |
| Bucks, Pennsylvania | 4 | $ 976,000 | $ 244,000 | $ 73,000 |
| Fayette, Pennsylvania | 4 | $ 324,000 | $ 81,000 | $ 42,000 |
| Dallas, Texas | 4 | $ 1,218,000 | $ 304,500 | $ 264,000 |
| Fairfax, Virginia | 4 | $ 691,000 | $ 172,750 | $ 94,000 |
| Kern, California | 3 | $ 475,000 | $ 158,333 | $ 102,000 |
| San Diego, California | 3 | $ 1,996,000 | $ 665,333 | $ 196,000 |
| Escambia, Florida | 3 | $ 262,000 | $ 87,333 | $ 82,000 |
| Highlands, Florida | 3 | $ 139,000 | $ 46,333 | $ 22,000 |
| Lake, Florida | 3 | $ 421,000 | $ 140,333 | $ 0 |
| Baltimore, Maryland | 3 | $ 766,000 | $ 255,333 | $ 40,000 |
| Wayne, Michigan | 3 | $ 302,000 | $ 100,666 | $ 40,000 |
| Grafton, New Hampshire | 3 | $ 276,000 | $ 92,000 | $ 0 |
| Salem, New Jersey | 3 | $ 321,000 | $ 107,000 | $ 82,000 |
| Somerset, New Jersey | 3 | $ 858,000 | $ 286,000 | $ 180,000 |
| Sussex, New Jersey | 3 | $ 460,000 | $ 153,333 | $ 21,000 |
| Chemung, New York | 3 | $ 205,000 | $ 68,333 | $ 84,000 |
| Erie, New York | 3 | $ 134,000 | $ 44,666 | $ 8,000 |
| Berks, Pennsylvania | 3 | $ 423,000 | $ 141,000 | $ 58,000 |
| Chester, Pennsylvania | 3 | $ 437,000 | $ 145,666 | $ 42,000 |
| Delaware, Pennsylvania | 3 | $ 184,000 | $ 61,333 | $ 93,000 |
| Lehigh, Pennsylvania | 3 | $ 657,000 | $ 219,000 | $ 73,000 |
| Washington, Pennsylvania | 3 | $ 160,000 | $ 53,333 | $ 35,000 |
| Bristol, Rhode Island | 3 | $ 615,000 | $ 205,000 | $ 56,000 |
| Sacramento, California | 2 | $ 546,000 | $ 273,000 | $ 10,000 |
| New Castle, Delaware | 2 | $ 334,000 | $ 167,000 | $ 61,000 |
| Sarasota, Florida | 2 | $ 179,000 | $ 89,500 | $ 0 |
| St. Lucie, Florida | 2 | $ 353,000 | $ 176,500 | $ 66,000 |
| DeKalb, Georgia | 2 | $ 131,000 | $ 65,500 | $ 96,000 |
| Gwinnett, Georgia | 2 | $ 466,000 | $ 233,000 | $ 62,000 |
| Putnam, Georgia | 2 | $ 285,000 | $ 142,500 | $ 140,000 |
| Franklin, Maine | 2 | $ 69,000 | $ 34,500 | $ 80,000 |
| Oxford, Maine | 2 | $ 181,000 | $ 90,500 | $ 45,000 |
| Penobscot, Maine | 2 | $ 138,000 | $ 69,000 | $ 180,000 |
| Washington, Maryland | 2 | $ 715,000 | $ 357,500 | $ 240,000 |
| Worcester, Maryland | 2 | $ 369,000 | $ 184,500 | $ 0 |
| Berkshire, Massachusetts | 2 | $ 134,000 | $ 67,000 | $ 0 |
| Calhoun, Michigan | 2 | $ 95,000 | $ 47,500 | $ 184,000 |
| Macomb, Michigan | 2 | $ 241,000 | $ 120,500 | $ 52,000 |
| Oakland, Michigan | 2 | $ 365,000 | $ 182,500 | $ 85,000 |
| Saginaw, Michigan | 2 | $ 58,000 | $ 29,000 | $ 0 |
| Carroll, New Hampshire | 2 | $ 446,000 | $ 223,000 | $ 117,000 |
| Cape May, New Jersey | 2 | $ 434,000 | $ 217,000 | $ 63,000 |
| Gloucester, New Jersey | 2 | $ 451,000 | $ 225,500 | $ 84,000 |
| Albany, New York | 2 | $ 153,000 | $ 76,500 | $ 75,000 |
| Saratoga, New York | 2 | $ 160,000 | $ 80,000 | $ 51,000 |
| Washington, New York | 2 | $ 240,000 | $ 120,000 | $ 248,000 |
| Centre, Pennsylvania | 2 | $ 115,000 | $ 57,500 | $ 20,000 |
| Lackawanna, Pennsylvania | 2 | $ 189,000 | $ 94,500 | $ 48,000 |
| Lancaster, Pennsylvania | 2 | $ 245,000 | $ 122,500 | $ 51,000 |
| Venango, Pennsylvania | 2 | $ 239,000 | $ 119,500 | $ 0 |
| York, Pennsylvania | 2 | $ 288,000 | $ 144,000 | $ 49,000 |
| Anderson, South Carolina | 2 | $ 61,000 | $ 30,500 | $ 0 |
| Charleston, South Carolina | 2 | $ 328,000 | $ 164,000 | $ 0 |
| Darlington, South Carolina | 2 | $ 216,000 | $ 108,000 | $ 56,000 |
| Dorchester, South Carolina | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Richland, South Carolina | 2 | $ 94,000 | $ 47,000 | $ 47,000 |
| Jefferson, Texas | 2 | $ 121,000 | $ 60,500 | $ 114,000 |
| Amherst, Virginia | 2 | $ 403,000 | $ 201,500 | $ 15,000 |
| Jefferson, Alabama | 1 | $ 203,000 | $ 203,000 | $ 85,000 |
| Maricopa, Arizona | 1 | $ 178,000 | $ 178,000 | $ 233,000 |
| Placer, California | 1 | $ 356,000 | $ 356,000 | $ 148,000 |
| Riverside, California | 1 | $ 156,000 | $ 156,000 | $ 126,000 |
| El Paso, Colorado | 1 | $ 650,000 | $ 650,000 | $ 106,000 |
| Pitkin, Colorado | 1 | $ 308,000 | $ 308,000 | $ 141,000 |
| Weld, Colorado | 1 | $ 290,000 | $ 290,000 | $ 54,000 |
| Sussex, Delaware | 1 | $ 900,000 | $ 900,000 | $ 384,000 |
| Alachua, Florida | 1 | $ 139,000 | $ 139,000 | $ 33,000 |
| Duval, Florida | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Hendry, Florida | 1 | $ 168,000 | $ 168,000 | $ 107,000 |
| Marion, Florida | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| Monroe, Florida | 1 | $ 368,000 | $ 368,000 | $ 140,000 |
| Santa Rosa, Florida | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Seminole, Florida | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| Sumter, Florida | 1 | $ 101,000 | $ 101,000 | $ 42,000 |
| Walton, Florida | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Barrow, Georgia | 1 | $ 139,000 | $ 139,000 | $ 48,000 |
| Bibb, Georgia | 1 | $ 89,000 | $ 89,000 | $ 20,000 |
| Charlton, Georgia | 1 | $ 32,000 | $ 32,000 | $ 35,000 |
| Cherokee, Georgia | 1 | $ 504,000 | $ 504,000 | $ 0 |
| Dougherty, Georgia | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Lumpkin, Georgia | 1 | $ 128,000 | $ 128,000 | $ 60,000 |
| Richmond, Georgia | 1 | $ 79,000 | $ 79,000 | $ 91,000 |
| Walker, Georgia | 1 | $ 179,000 | $ 179,000 | $ 26,000 |
| Walton, Georgia | 1 | $ 234,000 | $ 234,000 | $ 67,000 |
| Cumberland, Maine | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Charles, Maryland | 1 | $ 196,000 | $ 196,000 | $ 49,000 |
| Frederick, Maryland | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Garrett, Maryland | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Harford, Maryland | 1 | $ 280,000 | $ 280,000 | $ 58,000 |
| Howard, Maryland | 1 | $ 108,000 | $ 108,000 | $ 30,000 |
| St. Mary's, Maryland | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Nantucket, Massachusetts | 1 | $ 194,000 | $ 194,000 | $ 102,000 |
| Bay, Michigan | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Emmet, Michigan | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Midland, Michigan | 1 | $ 109,000 | $ 109,000 | $ 43,000 |
| Monroe, Michigan | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Newton, Missouri | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Cheshire, New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Sullivan, New Hampshire | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Cayuga, New York | 1 | $ 59,000 | $ 59,000 | $ 21,000 |
| Chautauqua, New York | 1 | $ 100,000 | $ 100,000 | $ 20,000 |
| Cortland, New York | 1 | $ 86,000 | $ 86,000 | $ 50,000 |
| Fulton, New York | 1 | $ 190,000 | $ 190,000 | $ 267,000 |
| Niagara, New York | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Oswego, New York | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Otsego, New York | 1 | $ 119,000 | $ 119,000 | $ 33,000 |
| Warren, New York | 1 | $ 140,000 | $ 140,000 | $ 115,000 |
| Cumberland, North Carolina | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| Wake, North Carolina | 1 | $ 19,000 | $ 19,000 | $ 76,000 |
| Watauga, North Carolina | 1 | $ 480,000 | $ 480,000 | $ 504,000 |
| Armstrong, Pennsylvania | 1 | $ 106,000 | $ 106,000 | $ 40,000 |
| Blair, Pennsylvania | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| Carbon, Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 66,000 |
| Cumberland, Pennsylvania | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Erie, Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 55,000 |
| Jefferson, Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 72,000 |
| Mercer, Pennsylvania | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Northumberland, Pennsylvania | 1 | $ 51,000 | $ 51,000 | $ 25,000 |
| Beaufort, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Dillon, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Kershaw, South Carolina | 1 | $ 94,000 | $ 94,000 | $ 78,000 |
| Oconee, South Carolina | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Orangeburg, South Carolina | 1 | $ 92,000 | $ 92,000 | $ 42,000 |
| York, South Carolina | 1 | $ 159,000 | $ 159,000 | $ 47,000 |
| Cocke, Tennessee | 1 | $ 120,000 | $ 120,000 | $ 200,000 |
| Johnson, Tennessee | 1 | $ 131,000 | $ 131,000 | $ 69,000 |
| Sumner, Tennessee | 1 | $ 248,000 | $ 248,000 | $ 246,000 |
| Harris, Texas | 1 | $ 77,000 | $ 77,000 | $ 27,000 |
| Parker, Texas | 1 | $ 293,000 | $ 293,000 | $ 65,000 |
| Wise, Texas | 1 | $ 86,000 | $ 86,000 | $ 96,000 |
| Wasatch, Utah | 1 | $ 194,000 | $ 194,000 | $ 231,000 |
| Lamoille, Vermont | 1 | $ 270,000 | $ 270,000 | $ 120,000 |
| Chesterfield, Virginia | 1 | $ 166,000 | $ 166,000 | $ 23,000 |
Mortgage Loan Application Detail Totals for Fairfield Financial in 2006
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,534 | $379,013,000 | $247,000 | $2,450,000 | $86,000 | $1,884,000 |
| Home Purchase | 1,058 | $197,024,000 | $186,000 | $1,172,000 | $98,000 | $900,000 |
| Home Improvement | 21 | $4,206,000 | $200,000 | $625,000 | $79,000 | $350,000 |
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 | 1,177 | $253,901,000 | $215,000 | $1,713,000 | $104,000 | $1,200,000 |
| Not Provided | 736 | $170,169,000 | $231,000 | $2,450,000 | $82,000 | $1,000,000 |
| Black or African American | 370 | $83,971,000 | $226,000 | $960,000 | $78,000 | $1,884,000 |
| Hispanic | 280 | $59,708,000 | $213,000 | $694,000 | $67,000 | $234,000 |
| Asian | 44 | $11,903,000 | $270,000 | $1,000,000 | $128,000 | $420,000 |
| American Indian or Alaskan Native | 4 | $341,000 | $85,000 | $192,000 | $170,000 | $530,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $250,000 | $125,000 | $200,000 | $96,000 | $96,000 |
| 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) | 2,447 | $543,769,000 | $222,000 | $2,450,000 | $92,000 | $1,884,000 |
| FHA-insured (Federal Housing Administration) | 162 | $35,205,000 | $217,000 | $577,000 | $69,000 | $318,000 |
| VA-guaranteed (Veterans Administration) | 3 | $819,000 | $273,000 | $350,000 | $76,000 | $90,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $450,000 | $450,000 | $450,000 | $468,000 | $468,000 |
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 | 1,170 | $257,944,000 | $220,000 | $1,713,000 | $94,000 | $1,200,000 |
| Application Withdrawn By Applicant | 980 | $233,776,000 | $238,000 | $2,450,000 | $91,000 | $1,884,000 |
| Application Approved But Not Accepted | 270 | $45,742,000 | $169,000 | $975,000 | $79,000 | $468,000 |
| Application Denied By Financial Institution | 192 | $42,541,000 | $221,000 | $900,000 | $83,000 | $504,000 |
| File Closed For Incompleteness | 1 | $240,000 | $240,000 | $240,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 73 | $16,839,000 | $230,000 | $630,000 | $83,000 | $504,000 |
| Collateral | 43 | $8,362,000 | $194,000 | $694,000 | $87,000 | $360,000 |
| Other | 26 | $5,868,000 | $225,000 | $900,000 | $101,000 | $250,000 |
| Debt-To-Income Ratio | 22 | $6,092,000 | $276,000 | $500,000 | $76,000 | $177,000 |
| Employment History | 13 | $2,309,000 | $177,000 | $460,000 | $63,000 | $150,000 |
| Unverifiable Information | 10 | $2,240,000 | $224,000 | $449,000 | $103,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $831,000 | $166,000 | $496,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fairfield Financial's 2006 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 Fairfield Financial'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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