Chelsea Groton Bank
Chelsea Groton Bank received 611 applications in 2025 and made 423 mortgages, in 14 counties across 4 states. The median rate its borrowers got was 6.485% on a median loan of $265,000. Of 519 decisions, 58 were denials — 11.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000GQWJTTR0TEH83 |
|---|---|
| Applications received | 611 |
| Mortgages made | 423 |
| Denied | 58 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 92 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1075 points |
| FDIC-insured bank | Yes: Chelsea Groton Bank, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 243 | 6.375% | $365,000 | 3.2% |
| Refinancing | 61 | 6.490% | $125,000 | 20.5% |
| Cash-out refinancing | 19 | 6.440% | $275,000 | 4.6% |
| Other purposes | 100 | 6.490% | $55,000 | 22.9% |
Where Chelsea Groton Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Southeastern Connecticut Planning Region, CT | 252 | 6.490% | 14.7% |
| Capitol Planning Region, CT | 106 | 6.300% | 5.1% |
| Lower Connecticut River Valley Planning Region, CT | 22 | 6.270% | 7.4% |
| Northeastern Connecticut Planning Region, CT | 15 | 6.590% | 0.0% |
| Washington County, RI | 10 | 6.270% | 0.0% |
| Naugatuck Valley Planning Region, CT | 7 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 5 | Under 10 loans | 16.7% |
| Western Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Kent County, RI | 1 | Under 10 loans | 0.0% |
| Providence County, RI | 1 | Under 10 loans | 0.0% |
| Windsor County, VT | 1 | Under 10 loans | 0.0% |
| Greater Bridgeport Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Northwest Hills Planning Region, CT | 0 | Under 10 loans | Not published |
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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.