Fairfield Federal Savings & Loan Association of Lancaster Mortgage Lending & HMDA Data, 2025
In 2025, Fairfield Federal Savings & Loan Association of Lancaster of Lancaster, OH reported 186 mortgage applications totaling $40.9 million, down 8% from 2024. The average application was for $219,838, and applicants reported an average income of $124,494. 49% of its applications resulted in an originated loan and 8% were denied. Its largest market was Columbus, OH (144).
| Mortgage Company & Address | Fairfield Federal Savings & Loan Association of Lancaster 111 E. Main Street, Po Box 728 Lancaster, OH 43130 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 186 |
| Total Mortgage Loan Application Amount | $40,890,000 |
| Average Mortgage Loan Application Amount | $219,838 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $124,494 |
| Highest Applicant Income | $1,023,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fairfield Federal Savings & Loan Association of Lancaster filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbus, OH | 144 | $ 30,030,000 | $ 208,541 | $ 136,000 |
| Outside any metro area | 42 | $ 10,860,000 | $ 258,571 | $ 95,000 |
Mortgage Loan Application Detail Totals for Fairfield Federal Savings & Loan Association of Lancaster in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 121 | $33,835,000 | $279,000 | $905,000 | $136,000 | $1,023,000 |
| Refinancing | 41 | $5,475,000 | $133,000 | $415,000 | $92,000 | $285,000 |
| Other Purpose | 24 | $1,580,000 | $65,000 | $205,000 | $122,000 | $450,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 153 | $31,965,000 | $208,000 | $815,000 | $121,000 | $1,023,000 |
| Not applicable | 23 | $4,675,000 | $203,000 | $475,000 | $0 | $0 |
| Black or African American | 6 | $1,890,000 | $315,000 | $505,000 | $154,000 | $259,000 |
| Asian | 4 | $2,360,000 | $590,000 | $905,000 | $262,000 | $468,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 186 | $40,890,000 | $219,000 | $905,000 | $125,000 | $1,023,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 92 | $19,560,000 | $212,000 | $815,000 | $152,000 | $1,023,000 |
| Preapproval Approved but not Accepted | 38 | $9,770,000 | $257,000 | $905,000 | $92,000 | $468,000 |
| Application Approved But Not Accepted | 17 | $4,935,000 | $290,000 | $565,000 | $141,000 | $285,000 |
| Application Withdrawn By Applicant | 16 | $3,280,000 | $205,000 | $495,000 | $119,000 | $249,000 |
| Application Denied By Financial Institution | 14 | $1,840,000 | $131,000 | $345,000 | $76,000 | $241,000 |
| File Closed For Incompleteness | 5 | $415,000 | $83,000 | $195,000 | $41,000 | $58,000 |
| Preapproval Denied by Financial Institution | 4 | $1,090,000 | $272,000 | $465,000 | $129,000 | $148,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Not applicable | 168 | $37,960,000 | $225,000 | $905,000 | $129,000 | $1,023,000 |
| Credit History | 8 | $1,190,000 | $148,000 | $465,000 | $94,000 | $241,000 |
| Debt-To-Income Ratio | 5 | $825,000 | $165,000 | $305,000 | $72,000 | $148,000 |
| Collateral | 3 | $465,000 | $155,000 | $215,000 | $110,000 | $111,000 |
| Other | 2 | $450,000 | $225,000 | $345,000 | $40,000 | $40,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fairfield Federal Savings & Loan Association of Lancaster's 2025 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 Federal Savings & Loan Association of Lancaster'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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