Union Savings Bank
Union Savings Bank received 929 applications in 2025 and made 643 mortgages, in 17 counties across 2 states. The median rate its borrowers got was 5.490% on a median loan of $255,000. Of 781 decisions, 129 were denials — 16.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 1VUZZZCW0TWP6R7N3Z33 |
|---|---|
| Applications received | 929 |
| Mortgages made | 643 |
| Denied | 129 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 148 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -1.6 points |
| FDIC-insured bank | Yes: Union Savings Bank, 26 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 218 | 6.000% | $395,000 | 5.6% |
| Refinancing | 158 | 5.490% | $180,000 | 12.5% |
| Cash-out refinancing | 33 | 6.000% | $255,000 | 13.2% |
| Other purposes | 234 | 5.490% | $105,000 | 27.1% |
Where Union Savings 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 |
|---|---|---|---|
| Western Connecticut Planning Region, CT | 377 | 5.490% | 16.9% |
| Northwest Hills Planning Region, CT | 88 | 5.490% | 17.6% |
| Naugatuck Valley Planning Region, CT | 70 | 5.495% | 17.7% |
| Greater Bridgeport Planning Region, CT | 41 | 5.500% | 12.8% |
| Capitol Planning Region, CT | 28 | 5.750% | 17.1% |
| South Central Connecticut Planning Region, CT | 19 | 6.000% | 9.5% |
| Lower Connecticut River Valley Planning Region, CT | 7 | Under 10 loans | 11.1% |
| Westchester County, NY | 3 | Under 10 loans | 25.0% |
| Northeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Bronx County, NY | 1 | Under 10 loans | 0.0% |
| Dutchess County, NY | 1 | Under 10 loans | 0.0% |
| Erie County, NY | 1 | Under 10 loans | 0.0% |
| New York County, NY | 1 | Under 10 loans | 0.0% |
| Onondaga County, NY | 1 | Under 10 loans | 0.0% |
| Putnam County, NY | 1 | Under 10 loans | 0.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
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When Union 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.