Connecticut Mortgage Lending in 2025
Explore residential mortgage lending activity in Connecticut using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 46,620 actionable applications (Actions 1, 2, and 3).
How Connecticut Compares
Key metrics: Connecticut vs. U.S. (2025)
| Metric | Connecticut | U.S. |
|---|---|---|
| Actionable Apps | 46,620 | 5,197,320 |
| Approval Rate | 85.75% | 82.12% |
| Denial Rate | 14.25% | 17.88% |
| Originations | 38,523 | 4,052,301 |
| Originated Volume | $16.94 Billion | $1.58 Trillion |
| Median Loan | $345,000 | $325,000 |
Lending Trends in Connecticut
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 53,288 | 59,725 | +12.08% |
| Actionable Apps | 42,268 | 46,620 | +10.30% |
| Originations | 34,691 | 38,523 | +11.05% |
| Approval Rate | 84.91% | 85.75% | +0.84 pp |
| Denial Rate | 15.09% | 14.25% | -0.84 pp |
| Median Loan | $325,000 | $345,000 | +6.15% |
| Dollar Volume | $14.15 Billion | $16.94 Billion | +19.77% |
Applications by Borrower Income (Connecticut)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 11,754 | 87.69% | 12.31% |
| $150k+ | 15,975 | 91.87% | 8.13% |
| $50k–$99,999 | 14,622 | 82.48% | 17.52% |
| <$50k | 1,970 | 53.71% | 46.29% |
| Income unavailable/entity | 2,299 | 81.56% | 18.44% |
Metropolitan Areas in Connecticut
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Hartford-West Hartford-East Hartford | 14,981 | 12,531 | 86.56% |
| Bridgeport-Stamford-Danbury | 10,940 | 9,118 | 86.12% |
| New Haven | 6,760 | 5,497 | 84.47% |
| Waterbury-Shelton | 6,384 | 5,157 | 84.12% |
| Norwich-New London-Willimantic | 4,046 | 3,307 | 86.04% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Connecticut (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | ROCKET MORTGAGE | 2,863 | 81.56% |
| 2 | United Wholesale Mortgage | 2,736 | 85.75% |
| 3 | Total Mortgage Services, LLC | 2,354 | 95.39% |
| 4 | FIRST WORLD MORTGAGE CORPORATON | 1,308 | 96.32% |
| 5 | CMG MORTGAGE INC | 1,069 | 92.20% |
| 6 | CROSSCOUNTRY MORTGAGE, LLC | 1,031 | 96.21% |
| 7 | Liberty Bank | 941 | 95.78% |
| 8 | JPMorgan Chase Bank, NA | 938 | 90.39% |
| 9 | US BANK, N.A. | 866 | 95.24% |
| 10 | MOVEMENT MORTGAGE, LLC | 805 | 98.18% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
View State Directory →Download Data
Export official Connecticut mortgage data for research, journalism, or analysis.