bankESB in Connecticut vs the state
7.4%Denial rate-9.96 pts vs state
8.0%Decision denial rate-13.63 pts vs state
81.8%Origination rate+21.44 pts vs state
5.99%Median rate-0.63 pts vs state
-1.08Rate spread (pts)-1.32 pts vs state
$111kMedian applicant income
99Loans originated
9Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 62 | 9.1% | 6.50% | #148 |
| 2024 | 141 | 100 | 14.2% | 6.44% | #117 |
| 2025 | 121 | 99 | 7.4% | 5.99% | #154 |
What bankESB lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most bankESB applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09150 | 97 | 76 | 8 | 8.2% |
| 09110 | 14 | 13 | 1 | 7.1% |
| 09130 | 3 | 3 | 0 | 0.0% |
| 09170 | 3 | 3 | 0 | 0.0% |
| 09180 | 2 | 2 | 0 | 0.0% |
| 09190 | 1 | 1 | 0 | 0.0% |
| 09140 | 1 | 1 | 0 | 0.0% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Liberty Bank | A | 3,513 | 9.5% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
Frequently asked questions
Connecticut: 121 applications in 2025, of which 99 were originated and 9 denied.
7.4% of all applications, or 8.0% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans bankESB originated in Connecticut in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are bankESB's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology