Mortgage lending in Fairfield County, Ohio
Lenders in Fairfield County, Ohio reported 7,774 mortgage applications for 2025, according to the CFPB.
7,774 mortgage applications and 4,729 loans originated in 2025; the denial rate was 21.3% of 6,335 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Columbus, OH HUD Metro FMR Area.
- 7,774
- Applications
- 4,729
- Loans originated
- 21.3%
- Denial rate
- 1,351 denied of 6,335 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,774 | 4,729 |
| 2024 | 7,366 | 4,407 |
| 2023 | 6,890 | 4,127 |
| 2022 | 8,858 | 5,477 |
| 2021 | 13,424 | 8,963 |
| 2020 | 13,307 | 8,731 |
| 2019 | 9,098 | 5,927 |
| 2018 | 7,517 | 4,803 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Huntington National Bank | 309 | 510 |
| Rocket Mortgage | 294 | 396 |
| The Park National Bank | 207 | 302 |
| United Wholesale Mortgage | 193 | 276 |
| Union Home Mortgage Corp. | 187 | 256 |
| Fifth Third Bank, National Association | 176 | 304 |
| Kemba Financial Credit Union | 150 | 261 |
| DHI Mortgage Company, LTD. | 148 | 238 |
| Vinton County National Bank | 148 | 192 |
| NFM, Inc | 138 | 192 |
| Union Savings Bank | 122 | 151 |
| Crosscountry Mortgage, LLC | 109 | 180 |
| PNC Bank N.A. | 105 | 170 |
| Lower, LLC | 96 | 137 |
| JPMorgan Chase Bank, NA | 87 | 129 |
| Pennymac Loan Services LLC | 79 | 148 |
| Fairfield Federal Savings & Loan Association of Lancaster | 78 | 122 |
| Third Federal Savings and Loan | 71 | 131 |
| NVR Mortgage Finance, Inc. | 71 | 91 |
| Wright Patt Credit Union Inc | 64 | 115 |
| Freedom Mortgage Corporation | 56 | 130 |
| Fairway Independent Mort Corp | 55 | 69 |
| Wesbanco Bank, Inc. | 54 | 81 |
| Equity Resources Inc | 53 | 75 |
| MORTGAGE300 Corporation | 47 | 57 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 34 | no rate: base under 50 |
| Asian | 275 | 19.3% of 228 decided |
| Black or African American | 773 | 32.6% of 610 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,416 | 19.3% of 4,475 decided |
| 2 or more minority races | withheld | |
| Joint | 154 | 19.8% of 126 decided |
| Race Not Available | 1,105 | 24.2% of 858 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 170 | 32.4% of 136 decided |
| Not Hispanic or Latino | 6,442 | 20.7% of 5,279 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,069 | 22.9% of 843 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,665 | 23.8% of 2,116 decided |
| Female | 1,620 | 26.6% of 1,317 decided |
| Joint | 2,913 | 15.9% of 2,438 decided |
| Sex Not Available | 576 | 23.7% of 464 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 792 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved