States › Connecticut › Northeastern Connecticut Planning Region
Northeastern Connecticut Planning Region, Connecticut
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Northeastern Connecticut Planning Region, Connecticut, saw 3,832 HMDA-reported applications and 2,293 originations ($523m) in 2024.
That is 58.2 originations per 1,000 households, against 46.6 for Connecticut and 48.0 nationally.
The county's denial rate was 22.9%, close to the state rate of 23.7%. The median rate spread on originated loans was 0.4 percentage points and 15.2% of originations were 1.5 points or more above the average prime offer rate.
40 lenders reached 25 applications in the county; the most active by originations were Charter Oak Federal Credit Union (156), Rocket Mortgage (119) and Guaranteed Rate, Inc. (118).
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 40. Denial rate is denials over decided applications in this county.
Compared with Connecticut and the nation
| Measure | This county | Connecticut | United States |
|---|---|---|---|
| Denial rate | 22.9% | 23.7% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.2% | 14.8% | 15.6% |
| Average originated loan | $228k | $325k | $329k |
| Originations per 1,000 households | 58.2 | 46.6 | 48.0 |
| Home purchase share of originations | 49.1% | 52.6% | 57.0% |
| FHA-insured share | 15.8% | 9.1% | 13.4% |
| VA-guaranteed share | 6.1% | 3.5% | 7.9% |
Rate spread distribution
Share of 2,053 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Connecticut). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 49% (1,125)Home improvement 14% (323)Refinancing 9% (197)Cash-out refinancing 15% (345)Other purpose 13% (302)
By type
Conventional 77% (1,771)FHA 16% (363)VA 6% (141)USDA 1% (18)
Trend by year
ApplicationsOriginations
This countyConnecticut
Questions and answers
Which lenders are most active in Northeastern Connecticut Planning Region, CT?
By 2024 originations: Charter Oak Federal Credit Union (156), Rocket Mortgage (119), Guaranteed Rate, Inc. (118), United Wholesale Mortgage (113), T2 Financial LLC (107). 40 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Northeastern Connecticut Planning Region?
22.9% of decided applications were denied in 2024, against 23.7% across Connecticut and 24.3% nationally.
How many mortgages were originated in Northeastern Connecticut Planning Region in 2024?
2,293 loans totalling $523m, from 3,832 applications; 58.2 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 09150; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.