Applications / Mortgage Analytics / Lenders / Ohio / Fairfield Federal Savings and Loan Association of Lancaster
Lancaster, OH · Savings institution · OCC · $279 million assets · 92 loans in 2025
Fairfield Federal Savings and Loan Association of Lancaster's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
92
loans originated, 2025
144
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fairfield Federal Savings and Loan Association of Lancaster, an Ohio savings institution with one metro market, makes about twice as many of its loans in poorer neighborhoods as similar lenders do.
34.8% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.6% at similar lenders, savings institutions making between half and twice as many loans. That was higher than about nine in ten of them. A year earlier the share was 49.5%; with 92 loans, a handful can swing it.
Its loans fell 10% to 92, while similar lenders grew 5%. It made 253 in 2020. One possibility is that refinances, now 30.4% of its loans, made up more of its lending at the peak. Working in only 4 counties, it may also feel shifts in local demand more than most.
Its typical loan, $170,000, was below similar lenders' $245,000, smaller than at about seven in ten of them. That keeps its total down, at $19.6 million. Purchases were 51.1% of its loans and other purposes 18.5%, all conventional.
It has lent in Columbus since at least 1990, and it is its only metro market. Its share there held at 0.1%, ranking 119 of 596 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Savings and Loan Association of Lancaster took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.1% · Refinance 30.4% · Other 18.5%
Conventional 100.0% · of 92 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 |
|---|---|---|
| Ohio | 92 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 92 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SICEH17XJOAN86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 666974 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4311 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700311 | 2011–2017 |
Established 1 January 1895. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Fairfield Federal Savings and Loan Association of Lancaster's data.
Fairfield Federal Savings and Loan Association of Lancaster's data
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Fairfield Federal Savings and Loan Association of Lancaster 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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