Milford Federal Bank
Milford Federal Bank received 218 applications in 2025 and made 159 mortgages, in 17 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 187 decisions, 23 were denials — 12.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300686RMBOL8Y1T93 |
|---|---|
| Applications received | 218 |
| Mortgages made | 159 |
| Denied | 23 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Milford Federal Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 76 | Not published | $450,000 | 2.5% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 34 | Not published | $125,000 | 15.0% |
| Other purposes | 41 | Not published | $55,000 | 25.4% |
Where Milford Federal Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 78 | Not published | 11.0% |
| Providence County, RI | 29 | Not published | 25.6% |
| Norfolk County, MA | 16 | Not published | 0.0% |
| Middlesex County, MA | 12 | Not published | 0.0% |
| Barnstable County, MA | 10 | Not published | 9.1% |
| Northeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 33.3% |
| Bristol County, MA | 2 | Under 10 loans | 33.3% |
| Franklin County, MA | 2 | Under 10 loans | 0.0% |
| Bristol County, RI | 2 | Under 10 loans | 0.0% |
| Essex County, MA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 0.0% |
| Suffolk County, MA | 1 | Under 10 loans | 0.0% |
| Kent County, RI | 1 | Under 10 loans | 0.0% |
| Washington County, RI | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 0 | Under 10 loans | Not published |
| Berkshire County, MA | 0 | Under 10 loans | Not published |
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When Milford Federal Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.