Fairfield Financial
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Fairfield Financial 2006 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $211,000 |
| Highest Mortgage Loan Application Amount | $2,450,000 |
| Average Applicant Income | $87,666 |
| Highest Applicant Income | $1,884,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with Fairfield Financial. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Fairfield Financial's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down Fairfield Financial's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Fairfield Financial serves its applicants.
Each category highlights the total number of mortgage applications processed by Fairfield Financial, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Fairfield Financial's mortgage activity for 2006.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 417 | $ 126,779,000 | $ 273,500 | $ 94,500 |
| BOSTON-QUINCY, MA | 238 | $ 60,296,000 | $ 253,000 | $ 107,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 220 | $ 42,126,000 | $ 194,500 | $ 73,500 |
| NASSAU-SUFFOLK, NY | 200 | $ 51,980,000 | $ 259,000 | $ 107,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 186 | $ 46,229,000 | $ 248,000 | $ 96,000 |
| NEW HAVEN-MILFORD, CT | 148 | $ 23,844,000 | $ 161,000 | $ 88,000 |
| NEWARK-UNION, NJ-PA | 94 | $ 23,943,000 | $ 226,500 | $ 95,500 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 65 | $ 9,141,000 | $ 140,000 | $ 51,000 |
| WORCESTER, MA | 62 | $ 11,386,000 | $ 183,000 | $ 58,000 |
| EDISON, NJ | 57 | $ 15,090,000 | $ 264,000 | $ 115,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 56 | $ 13,474,000 | $ 240,000 | $ 80,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 54 | $ 15,565,000 | $ 288,000 | $ 85,000 |
| PHILADELPHIA, PA | 45 | $ 6,931,000 | $ 154,000 | $ 97,000 |
| SPRINGFIELD, MA | 40 | $ 5,173,000 | $ 129,000 | $ 63,000 |
| CAMDEN, NJ | 34 | $ 5,658,000 | $ 166,000 | $ 72,000 |
| PITTSBURGH, PA | 32 | $ 3,084,000 | $ 96,000 | $ 45,000 |
| ORLANDO-KISSIMMEE, FL | 31 | $ 5,133,000 | $ 165,000 | $ 48,000 |
| ESSEX COUNTY, MA | 25 | $ 6,545,000 | $ 261,000 | $ 123,000 |
| SCRANTON--WILKES-BARRE, PA | 22 | $ 1,995,000 | $ 90,000 | $ 88,000 |
| ROCHESTER, NY | 19 | $ 1,633,000 | $ 85,000 | $ 114,000 |
| SYRACUSE, NY | 19 | $ 1,640,000 | $ 86,000 | $ 62,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 18 | $ 2,519,000 | $ 140,000 | $ 58,000 |
| BARNSTABLE TOWN, MA | 18 | $ 5,614,000 | $ 311,000 | $ 183,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 18 | $ 3,285,000 | $ 182,000 | $ 44,000 |
| BALTIMORE-TOWSON, MD | 17 | $ 3,216,000 | $ 189,000 | $ 46,000 |
| NORWICH-NEW LONDON, CT | 16 | $ 2,925,000 | $ 182,000 | $ 91,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 15 | $ 4,267,000 | $ 284,000 | $ 155,000 |
| ALBANY-SCHENECTADY-TROY, NY | 13 | $ 1,111,000 | $ 85,000 | $ 79,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 13 | $ 2,639,000 | $ 203,000 | $ 67,000 |
| CAPE CORAL-FORT MYERS, FL | 12 | $ 2,026,000 | $ 168,000 | $ 62,000 |
| MANCHESTER-NASHUA, NH | 11 | $ 2,255,000 | $ 205,000 | $ 82,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 10 | $ 4,002,000 | $ 400,000 | $ 206,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 10 | $ 2,023,000 | $ 202,000 | $ 125,000 |
| ATLANTIC CITY, NJ | 9 | $ 3,217,000 | $ 357,000 | $ 173,000 |
| UTICA-ROME, NY | 9 | $ 471,000 | $ 52,000 | $ 133,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 9 | $ 1,523,000 | $ 169,000 | $ 85,000 |
| BETHESDA-GAITHERSBURG-FREDERICK, MD | 8 | $ 1,780,000 | $ 222,000 | $ 35,000 |
| FORT WORTH-ARLINGTON, TX | 8 | $ 1,035,000 | $ 129,000 | $ 77,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 8 | $ 1,202,000 | $ 150,000 | $ 110,000 |
| TRENTON-EWING, NJ | 8 | $ 1,664,000 | $ 208,000 | $ 112,000 |
| BINGHAMTON, NY | 7 | $ 659,000 | $ 94,000 | $ 76,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 7 | $ 1,476,000 | $ 210,000 | $ 149,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 7 | $ 1,372,000 | $ 196,000 | $ 197,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 844,000 | $ 140,000 | $ 62,000 |
| KINGSTON, NY | 6 | $ 919,000 | $ 153,000 | $ 93,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 5 | $ 597,000 | $ 119,000 | $ 87,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 5 | $ 1,173,000 | $ 234,000 | $ 104,000 |
| WILMINGTON, DE-MD-NJ | 5 | $ 655,000 | $ 137,000 | $ 71,500 |
| BUFFALO-NIAGARA FALLS, NY | 4 | $ 209,000 | $ 52,000 | $ 18,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 4 | $ 668,000 | $ 167,000 | $ 0 |
| DALLAS-PLANO-IRVING, TX | 4 | $ 1,218,000 | $ 304,000 | $ 264,000 |
| LAKELAND, FL | 4 | $ 558,000 | $ 139,000 | $ 61,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 4 | $ 392,000 | $ 98,000 | $ 61,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 4 | $ 1,717,000 | $ 429,000 | $ 163,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 4 | $ 606,000 | $ 151,000 | $ 69,000 |
| YUMA, AZ | 4 | $ 1,055,000 | $ 263,000 | $ 180,000 |
| BAKERSFIELD, CA | 3 | $ 475,000 | $ 158,000 | $ 102,000 |
| COLUMBIA, SC | 3 | $ 188,000 | $ 62,000 | $ 57,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 3 | $ 302,000 | $ 100,000 | $ 40,000 |
| ELMIRA, NY | 3 | $ 205,000 | $ 68,000 | $ 84,000 |
| GLENS FALLS, NY | 3 | $ 380,000 | $ 126,000 | $ 203,000 |
| READING, PA | 3 | $ 423,000 | $ 141,000 | $ 58,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 3 | $ 902,000 | $ 300,000 | $ 56,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 3 | $ 1,996,000 | $ 665,000 | $ 196,000 |
| ANDERSON, SC | 2 | $ 61,000 | $ 30,000 | $ 0 |
| BANGOR, ME | 2 | $ 138,000 | $ 69,000 | $ 180,000 |
| BATTLE CREEK, MI | 2 | $ 95,000 | $ 47,000 | $ 184,000 |
| BEAUMONT-PORT ARTHUR, TX | 2 | $ 121,000 | $ 60,000 | $ 114,000 |
| FLORENCE, SC | 2 | $ 216,000 | $ 108,000 | $ 56,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 2 | $ 715,000 | $ 357,000 | $ 240,000 |
| LANCASTER, PA | 2 | $ 245,000 | $ 122,000 | $ 51,000 |
| LYNCHBURG, VA | 2 | $ 403,000 | $ 201,000 | $ 15,000 |
| OCEAN CITY, NJ | 2 | $ 434,000 | $ 217,000 | $ 63,000 |
| PITTSFIELD, MA | 2 | $ 134,000 | $ 67,000 | $ 0 |
| PORT ST. LUCIE-FORT PIERCE, FL | 2 | $ 353,000 | $ 176,000 | $ 66,000 |
| SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 2 | $ 58,000 | $ 29,000 | $ 0 |
| SARASOTA-BRADENTON-VENICE, FL | 2 | $ 179,000 | $ 89,000 | $ 0 |
| STATE COLLEGE, PA | 2 | $ 115,000 | $ 57,000 | $ 20,000 |
| YORK-HANOVER, PA | 2 | $ 288,000 | $ 144,000 | $ 49,000 |
| ALBANY, GA | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| ALTOONA, PA | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 1 | $ 79,000 | $ 79,000 | $ 91,000 |
| BAY CITY, MI | 1 | $ 92,000 | $ 92,000 | $ 0 |
| BIRMINGHAM-HOOVER, AL | 1 | $ 203,000 | $ 203,000 | $ 85,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 1 | $ 159,000 | $ 159,000 | $ 47,000 |
| CHATTANOOGA, TN-GA | 1 | $ 179,000 | $ 179,000 | $ 26,000 |
| COLORADO SPRINGS, CO | 1 | $ 650,000 | $ 650,000 | $ 106,000 |
| ERIE, PA | 1 | $ 44,000 | $ 44,000 | $ 55,000 |
| FAYETTEVILLE, NC | 1 | $ 77,000 | $ 77,000 | $ 42,000 |
| GAINESVILLE, FL | 1 | $ 139,000 | $ 139,000 | $ 33,000 |
| GREELEY, CO | 1 | $ 290,000 | $ 290,000 | $ 54,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 272,000 | $ 272,000 | $ 0 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 1 | $ 77,000 | $ 77,000 | $ 27,000 |
| JACKSONVILLE, FL | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| JOPLIN, MO | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| MACON, GA | 1 | $ 89,000 | $ 89,000 | $ 20,000 |
| MONROE, MI | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 1 | $ 248,000 | $ 248,000 | $ 246,000 |
| OCALA, FL | 1 | $ 120,000 | $ 120,000 | $ 29,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 1 | $ 178,000 | $ 178,000 | $ 233,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| RALEIGH-CARY, NC | 1 | $ 19,000 | $ 19,000 | $ 76,000 |
| RICHMOND, VA | 1 | $ 166,000 | $ 166,000 | $ 23,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 38,000 | $ 38,000 | $ 0 |
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.
For a list of all lenders in Connecticut, download the full spreadsheet
with aggregated HMDA statistics today.