Applications / Mortgage Analytics / Lenders / Connecticut / Jewett City Savings Bank
Jewett City, CT · Savings institution · FDIC · $485 million assets · 71 loans in 2025
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71
loans originated, 2025
139
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jewett City Savings Bank lends small sums, many of them for home improvements, and much of its lending goes to poorer neighborhoods.
Its typical loan was $105,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), among the lowest tenth. Home improvements made up 23.9% of its loans and other purposes 22.5%; purchases were only 35.2%. Loans of that kind are usually smaller than mortgages to buy a home.
In 2025, 29.6% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.2% at similar lenders, more than about four in five of them. Its share of LMI borrowers, 31.1%, was higher than at about seven in ten. Five years before, the neighborhood share was 17.0%.
It made 71 loans in 2025, down 16% from 85, while similar lenders grew 3% and the whole market 10%. That is less than a third of the 230 it made five years before, and it made 259 in 2021. It has reported under HMDA since 1992 and ranks 55 of 312 lenders in Norwich-New London-Willimantic, where Liberty Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jewett City Savings Bank took 139 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.2% · Home improvement 23.9% · Other 22.5% · Refinance 18.3%
Conventional 100.0% · of 71 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 | 69 | 97.2% |
| Rhode Island | 2 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 47 |
| Norwich-New London-Willimantic | 17 |
| Hartford-West Hartford-East Hartford | 4 |
| Providence-Warwick | 2 |
| New Haven | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930015NKWX0FSGV150 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 820301 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318237 | 1992–2017 |
Established 23 June 1873. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Jewett City Savings Bank's data.
Jewett City Savings Bank's data
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Jewett City 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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