Applications / Mortgage Analytics / Lenders / Connecticut / First County Bank
Stamford, CT · Savings institution · FDIC · $2.3 billion assets · 83 loans in 2025
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83
loans originated, 2025
143
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First County Bank, a savings bank in Stamford, Connecticut, makes a fraction of the loans it made before 2023, and what remains leans heavily toward low- and moderate-income borrowers and neighborhoods.
It made between 325 and 428 loans a year from 2018 to 2022, then 85 in 2023 and 55 in 2024. Its loans rose 51% in 2025, to 83, faster than at about nine in ten similar lenders (savings institutions making between half and twice as many loans), but that is still far below the 356 of 2020. County and loan-type detail can show which lending it gave up after 2022.
Low- and moderate-income (LMI) borrowers took 46.3% of its loans, against 25.3% at peers, and LMI neighborhoods 39.8%, against 17.5%. Both put it above more than nine in ten peers. Five years earlier the two shares were 16.6% and 12.1%, so its mix changed as its volume fell.
Its typical loan, $425,000, was larger than at more than four in five peers, where it was $245,000. Yet jumbo loans, those above the conforming limit, fell to 2.8% of its lending from 24.6% five years earlier. Home purchases made up 71.1% of its loans.
In Bridgeport-Stamford-Danbury, where its record goes back to 1992, it ranked 47th of 419 lenders, with 0.4% of the market, down 0.1 points. With so few loans, small shifts move its share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First County Bank took 143 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.1% · Refinance 21.7% · Home improvement 3.6% · Other 3.6%
Conventional 100.0% · of 83 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 | 79 | 95.2% |
| New York | 4 | 4.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bridgeport-Stamford-Danbury | 75 |
| New Haven | 4 |
| New York-Jersey City-White Plains | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HQW3FSOL75WC88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 958204 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318204 | 1992–2017 |
Established 20 June 1851. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: First County Bank's data.
First County Bank's data
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