Applications / Mortgage Analytics / Lenders / Connecticut / Stafford Savings Bank
Stafford Springs, CT · Savings institution · FDIC · $475 million assets · 41 loans in 2025
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41
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stafford Savings Bank, a Connecticut savings bank, makes small loans, a third of them for home improvement, and it grew in 2025 while similar lenders stood still.
Home improvement accounted for 34.1% of its loans, beside 39.0% for home purchase and 17.1% for refinancing. That may help explain its small loans: the typical one was $125,000, against $245,000 at similar lenders, savings institutions making between half and twice as many loans. Fewer than one in ten of them made smaller loans.
It made 41 loans in 2025, up 28% from 32, while similar lenders made no more than the year before. It grew faster than about three in four of them. It filed no report for 2021 and 2022; in 2020 it made 73 loans.
Its typical rate was 6.38%, against 6.56% at similar lenders, lower than at about two-thirds of them. Every loan was conventional.
Low- and moderate-income borrowers took 31.7% of its loans, against 22.6% at similar lenders, more than at about seven in ten. It lends in just two counties and ranks 131 of 464 lenders in the Hartford area, where it has reported since 1992.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Stafford Savings Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.0% · Home improvement 34.1% · Refinance 17.1% · Other 9.8%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 38 |
| Worcester | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QHRM7S805P5E69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 113003 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318227 | 1992–2017 |
Established 16 July 1872. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Stafford Savings Bank's data.
Stafford Savings Bank's data
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Stafford 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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