The Torrington Savings Bank
The Torrington Savings Bank received 368 applications in 2025 and made 224 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $215,000. Of 303 decisions, 71 were denials — 23.4%, most often for credit history.
| Legal Entity Identifier | 54930002M4XN64FM7Z89 |
|---|---|
| Applications received | 368 |
| Mortgages made | 224 |
| Denied | 71 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.054 points |
| FDIC-insured bank | Yes: The Torrington Savings Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 100 | 6.125% | $330,000 | 9.8% |
| Refinancing | 49 | 6.750% | $145,000 | 30.6% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 67 | 6.750% | $45,000 | 33.0% |
Where The Torrington Savings Bank lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Northwest Hills Planning Region, CT | 120 | 6.313% | 24.2% |
| Capitol Planning Region, CT | 51 | 6.250% | 19.7% |
| Naugatuck Valley Planning Region, CT | 27 | 6.375% | 30.0% |
| South Central Connecticut Planning Region, CT | 8 | Under 10 loans | 11.1% |
| Greater Bridgeport Planning Region, CT | 7 | Under 10 loans | 12.5% |
| Western Connecticut Planning Region, CT | 5 | Under 10 loans | 28.6% |
| Lower Connecticut River Valley Planning Region, CT | 3 | Under 10 loans | 0.0% |
| Northeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 50.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
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When The Torrington Savings 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.