Applications / Mortgage Analytics / Lenders / Connecticut / Thomaston Savings Bank
Thomaston, CT · Savings institution · FDIC · $1.9 billion assets · 621 loans in 2025
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621
loans originated, 2025
832
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Thomaston Savings Bank is a Connecticut savings bank making small, mixed-purpose loans across seven counties, where it ranks 5 of 357 lenders in non-metro Connecticut.
Originations fell 9% to 621 while similar lenders (savings institutions making between half and twice as many loans) rose 8% and the whole market 10%, lower than nearly nine in ten of them. Dollar volume still rose, from $137.1 million to $148.4 million, as loans grew larger. Its 2023 count of 864 was the highest since 2018, so the fall may partly reflect an unusually busy 2023, and 2025 is close to its 2020 and 2021 counts of 668 and 676.
Home purchase made up 30.6% of its loans, other purposes 29.0%, refinance 21.7% and home improvement 18.7%. Its typical loan, $145,000, is lower than similar lenders' $220,000, among the lowest sixth, which fits a mix with many home-improvement and other-purpose loans.
Low- and moderate-income (LMI) borrowers took 29.2% of its loans, against 24.3% at similar lenders, more than about six in ten of them. Its purchase denial rate, 3.0%, is lower than similar lenders' 5.2%, below about four in five of them.
In Hartford-West Hartford-East Hartford it ranks 36 of 464 lenders, with 0.7% of the market, up from 0.6%; Liberty Bank leads. In New Haven it held 0.8%, ranking 38 of 392. It has lent in both markets since its first report in 1992.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Thomaston Savings Bank took 832 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.6% · Other 29.0% · Refinance 21.7% · Home improvement 18.7%
Conventional 99.2% · FHA 0.8% · of 621 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 | 621 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 199 |
| New Haven | 144 |
| Bridgeport-Stamford-Danbury | 7 |
| Norwich-New London-Willimantic | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JBZ3MK7Z4FI764 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 120609 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318258 | 1992–2017 |
Established 1 October 1874. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Thomaston Savings Bank's data.
Thomaston Savings Bank's data
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Thomaston Savings 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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