Bridgeport-Stamford-Danbury Mortgage Lending in 2025

Explore mortgage lending activity in Bridgeport-Stamford-Danbury (MSA/MD Code 14860) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 14860
9,118 Loans Originated
• Primary State: Connecticut (CT)
• $6.81 Billion Originated Volume
• $525,000 Median Loan
Actionable Applications 10,940 +11.13% vs 2024
Approval Rate 86.12% +0.98 pp vs 2024
Denial Rate 13.88% -0.98 pp vs 2024
Loan Originations 9,118 +12.28% vs 2024
Originated Volume $6.81 Billion +23.75% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 10,940 actionable applications (Actions 1, 2, and 3).

86.12%
13.88%
9,421 approved 1,519 denied
Action 1: Originated
9,118 (83.35%)
Action 2: Approved not accepted
303 (2.77%)
Action 3: Denied
1,519 (13.88%)
Action 4: Withdrawn (not in denominator)
2,492 —
Action 5: Incomplete (not in denominator)
759 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Bridgeport-Stamford-Danbury Compares

Metro vs. State Baseline (2025)

Metric Bridgeport-Stamford-Danbury Connecticut
Actionable Apps 10,940 46,620
Approval Rate 86.12% 85.75%
Denial Rate 13.88% 14.25%
Originations 9,118 38,523
Originated Volume $6.81 Billion $16.94 Billion
Median Loan $525,000 $345,000
Compared against Connecticut statewide baseline in 2025.

Lending Trends in Bridgeport-Stamford-Danbury

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 12,668 14,191 +12.02%
Actionable Apps 9,844 10,940 +11.13%
Originations 8,121 9,118 +12.28%
Approval Rate 85.14% 86.12% +0.98 pp
Denial Rate 14.86% 13.88% -0.98 pp
Median Loan $485,000 $525,000 +8.25%
Dollar Volume $5.50 Billion $6.81 Billion +23.75%

Applications by Borrower Income (Bridgeport-Stamford-Danbury)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 2,281 84.00% 16.00%
$150k+ 6,144 92.07% 7.93%
$50k–$99,999 1,856 75.81% 24.19%
<$50k 255 44.71% 55.29%
Income unavailable/entity 404 80.94% 19.06%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Connecticut (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 14860, anchored in Connecticut (CT).
Metro Share of State Apps 23.47%
Metro Share of State Volume 40.16%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Connecticut statewide mortgage activity

Bridgeport-Stamford-Danbury is part of OpenFileData’s statewide coverage of Connecticut. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Connecticut Statewide Overview Active Profile
Statewide Actionable Applications: 46,620
Explore Connecticut State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Connecticut Profile

Compare all metropolitan areas located in Connecticut.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.