Applications / Mortgage Analytics / Lenders / Connecticut / Fairfield County Bank
Ridgefield, CT · Savings institution · FDIC · $1.9 billion assets · 113 loans in 2025
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113
loans originated, 2025
133
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fairfield County Bank makes big loans: its typical loan of $525,000 is about double similar lenders', and almost a quarter of its loans are jumbos.
22.9% of its loans were jumbo (larger than the conforming limit), against 2.6% at similar lenders, savings institutions making between half and twice as many loans. Its typical loan was higher than about nine in ten of theirs. So its total of $89.8 million was more than double their $40.0 million, though it made fewer loans.
Its loans rose 64% to 113, while similar lenders grew 6%. That follows a slide from 610 loans in 2020, when its typical rate was 3.00%, to 69 in 2024. Higher rates may account for much of the fall. Purchases now make up 66.4% of its loans.
In Bridgeport-Stamford-Danbury its share doubled to 0.8%, ranking 26 of 419 lenders. Its typical rate, 6.38%, was lower than at about nine in ten similar lenders.
Only 8.6% of its loans went to low- and moderate-income (LMI) borrowers, against 24.2% at similar lenders, putting it among the lowest tenth. A year earlier the share was 23.2%. One possibility is its large loans, which tend to go to higher-income households.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fairfield County Bank took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.4% · Refinance 23.0% · Home improvement 5.3% · Other 5.3%
Conventional 100.0% · of 113 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 |
|---|---|---|
| Connecticut | 105 | 92.9% |
| New York | 5 | 4.4% |
| Florida | 1 | 0.9% |
| Massachusetts | 1 | 0.9% |
| Vermont | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bridgeport-Stamford-Danbury | 95 |
| Hartford-West Hartford-East Hartford | 6 |
| New Haven | 4 |
| New York-Jersey City-White Plains | 4 |
| Nassau County-Suffolk County | 1 |
| Pittsfield | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | U9WBLC3ZT2VBJSNY2Y81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 882701 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318213 | 1992–2017 |
Established 14 May 1871. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Fairfield County Bank's data.
Fairfield County Bank's data
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Fairfield County Bank 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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