Applications / Mortgage Analytics / Lenders / Connecticut / Windsor Federal Bank
Windsor, CT · Savings institution · OCC · $875 million assets · 169 loans in 2025
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169
loans originated, 2025
233
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Windsor Federal Bank lends far more than its peers to lower-income borrowers and in majority-minority neighborhoods, and its loans grew faster than most in 2025.
Some 29.0% of its loans went to majority-minority neighborhoods, against 5.3% at similar lenders, meaning savings institutions making between half and twice as many loans. That is higher than more than nine in ten of them. Some 39.7% went to low- and moderate-income borrowers, against 24.8%, again higher than nine in ten.
Its loans rose 16% to 169, against 5% at similar lenders and 10% in the whole market; that is higher growth than about seven in ten of its peers. Home purchases made up 58.0% of its loans and other purposes 19.5%. Its typical loan, $245,000, was close to its peers' $235,000.
It has reported since 1990 and took its present name in 2023, dropping Windsor Federal Savings and Loan Association. In Hartford-West Hartford-East Hartford it ranks 48 of 464 lenders, with a share steady at 0.5%; Liberty Bank leads. Every loan was conventional.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Windsor Federal Bank took 233 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.0% · Other 19.5% · Refinance 17.8% · Home improvement 4.7%
Conventional 100.0% · of 169 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 | 166 | 98.2% |
| Massachusetts | 2 | 1.2% |
| Rhode Island | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 152 |
| New Haven | 7 |
| Norwich-New London-Willimantic | 4 |
| Worcester | 2 |
| Providence-Warwick | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MKO88C3VZKD418 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 92676 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43781 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703781 | 2011–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Windsor Federal Bank's data.
Windsor Federal Bank's data
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Windsor Federal 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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