# Fairfield County Bank

> **Canonical URL:** https://saferate.com/lenders/fairfield-county-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fairfield County Bank is a bank, headquartered in Ridgefield, CT, serving borrowers across 2 states, with 52 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** U9WBLC3ZT2VBJSNY2Y81
- **Headquarters:** Ridgefield, CT
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CT, NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.1%
- **Brokered/Wholesale:** 2.9%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.089%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,243
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 52
- **Dollar Volume:** $25 million
- **Applications Received:** 70
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $477,308
- **Average Borrower Income:** $214,442
- **Average Property Value:** $753,077

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 49 | -0.091% | $1,126 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 47 | $21M | -0.087% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 50 | 0.15% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Bridgeport | CT | 42 | 72/100 |

## Where This Lender Ranks

Fairfield County Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Bridgeport for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Bridgeport Banks
  - [View Full Rankings](https://saferate.com/bridgeport/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Fairfield County Bank offer?

Fairfield County Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fairfield County Bank offer mortgages?

Fairfield County Bank offers mortgages in 2 states: CT, NY.

### How competitive are Fairfield County Bank's mortgage rates?

Fairfield County Bank has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.089% below market average.

### What type of lender is Fairfield County Bank?

Fairfield County Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ridgefield, CT.

### What is Fairfield County Bank's loan approval success rate?

Fairfield County Bank has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fairfield-county-bank

### How to Cite

> "Fairfield County Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fairfield-county-bank

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