The Milford Bank
The Milford Bank received 154 applications in 2025 and made 112 mortgages, in 6 counties across 1 state. The median rate its borrowers got was 6.000% on a median loan of $255,000. Of 144 decisions, 32 were denials — 22.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300M6EHOPLD2SFD66 |
|---|---|
| Applications received | 154 |
| Mortgages made | 112 |
| Denied | 32 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.253 points |
| FDIC-insured bank | Yes: The Milford Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | 6.250% | $405,000 | 13.5% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 36 | 6.000% | $275,000 | 16.3% |
| Other purposes | 29 | 6.000% | $45,000 | 38.3% |
Where The Milford Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| South Central Connecticut Planning Region, CT | 73 | 6.250% | 20.7% |
| Greater Bridgeport Planning Region, CT | 22 | 5.938% | 21.4% |
| Western Connecticut Planning Region, CT | 12 | 5.500% | 25.0% |
| Naugatuck Valley Planning Region, CT | 4 | Under 10 loans | 33.3% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | Not published |
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When The Milford 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.