Applications / Mortgage Analytics / Lenders / Connecticut / Essex Bank
Essex, CT · Savings institution · FDIC · $520 million assets · 58 loans in 2025
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58
loans originated, 2025
81
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Essex Bank, renamed from Essex Savings Bank in 2025, is a small Connecticut lender whose loans are larger than its peers'; it made 58 in 2025, 30% fewer than in 2024.
Its loans fell from 83 to 58, while similar lenders (savings institutions making between half and twice as many loans) rose 1%; its fall was steeper than at about nine in ten of them. It made 174 loans in 2021. Those higher counts may have come from refinancing that has since slowed, and on a base this small one year's swing can be large.
Its typical loan was $325,000, against $245,000 at peers, up from $155,000 in 2024. Home purchases made up 53.4% of its loans; home improvement and refinances took 17.2% each.
Low- and moderate-income (LMI) borrowers took 9.3% of its loans, against 26.4% at peers, among the lowest tenth. LMI areas took 1.7%. Its larger loans and the areas it serves are possible reasons, and on 58 loans the share moves a lot: it was 29.5% in 2024.
It has lent in Hartford, Norwich and New Haven since 1992. In Hartford-West Hartford-East Hartford it ranked 100 of 464 lenders, with 0.2% of the market, down 0.1 points; its fewer loans may explain the fall. In Norwich-New London-Willimantic it ranked 76 of 312.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Essex Bank took 81 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.4% · Home improvement 17.2% · Refinance 17.2% · Other 12.1%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 42 |
| Norwich-New London-Willimantic | 9 |
| New Haven | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TPAN1WJY46W431 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 961400 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317262 | 1992–2017 |
Established 6 August 1851. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Essex Bank's data.
Essex Bank's data
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