Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Fairfield County, Ohio
Every institution that decided a 1–4 unit mortgage application in Fairfield County, home to Lancaster, between 2023 and 2025: 15,343 applications, 11,737 loans actually funded, across 8 kinds of borrowing.
Fairfield County at a glance
15,343Applications decided
2023–2025
11,737Loans funded
76% of decisions
36Census tracts
10 ZIP codes
161,289People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Lending by loan type in Fairfield County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.7% | 7,443 | $285K | 96% | 293 |
| Home improvement loans | 65.4% | 2,591 | $65K | 93% | 94 |
| Cash-out refinance | 70.8% | 2,437 | $155K | 94% | 172 |
| Refinance | 75.6% | 2,178 | $125K | 95% | 167 |
| Investment property purchase | 90.0% | 431 | $195K | 96% | 106 |
| Investment cash-out refinance | 85.2% | 101 | $165K | 92% | 45 |
| Investment refinance | 82.2% | 107 | $155K | 91% | 44 |
| Investment home improvement | 54.5% | 55 | $125K | 90% | 25 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.