Lenders › Nutmeg State FCU › Connecticut
Nutmeg State FCU in Connecticut
HMDA record for properties in Connecticut, calendar year 2024. National record · Connecticut overview
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.
Nutmeg State FCU's 2024 HMDA record for Connecticut covers 865 applications, 412 of them originated, worth $46m.
Its denial rate in the state was 48.1%, above the Connecticut rate of 23.7% across all lenders and compared with the lender's national rate of 48.6%.
Applications in the state were up 36% on 2023.
Compared with the state and the lender's national record
| Measure | In Connecticut | Connecticut, all lenders | Nutmeg State FCU, all states | United States |
|---|---|---|---|---|
| Denial rate | 48.1% | 23.7% | 48.6% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 14.8% | — | 15.6% |
| Average originated loan | $111k | $325k | $111k | $329k |
| Home purchase share | 7.0% | 52.6% | 7.0% | 57.0% |
| FHA-insured share | 0.0% | 9.1% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 3.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateConnecticut, all lenders
Loan purpose and loan type in Connecticut
By purpose
Home purchase 7% (29)Home improvement 46% (191)Refinancing 3% (12)Cash-out refinancing 20% (84)Other purpose 23% (96)
By type
Conventional 100% (412)
Denial reasons as coded
Share of 409 denials in Connecticut by first denial reason coded (outlined bar: all lenders in the state).
Counties in Connecticut
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Capitol Planning Region | 470 | 227 | $24m | 47.0% |
| South Central Connecticut Planning Region | 131 | 61 | $5.6m | 51.2% |
| Naugatuck Valley Planning Region | 104 | 43 | $3.5m | 55.8% |
| Lower Connecticut River Valley Planning Region | 48 | 29 | $3.0m | 34.0% |
| Western Connecticut Planning Region | 31 | 19 | $5.8m | 33.3% |
| Greater Bridgeport Planning Region | 52 | 18 | $2.5m | 58.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Nutmeg State FCU originate in Connecticut in 2024?
412 loans totalling $46m, from 865 applications reported for properties in Connecticut.
What is Nutmeg State FCU's denial rate in Connecticut?
48.1% of decided applications in Connecticut were denied, against 23.7% for all lenders in the state and 48.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Connecticut counties does Nutmeg State FCU lend in most?
By originations: Capitol Planning Region (227), South Central Connecticut Planning Region (61), Naugatuck Valley Planning Region (43), Lower Connecticut River Valley Planning Region (29), Western Connecticut Planning Region (19).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Connecticut. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.