Best mortgage lenders in Connecticut
No lender is best for everyone, so this page ranks Connecticut lenders on what federal records can measure: who makes the most loans here, who leads for FHA and VA, and what their Connecticut borrowers paid. All figures are 2025 HMDA data; no lender pays to be listed.
Who leads for what in Connecticut
"Most loans" and "Largest average loan" are among the 15 lenders with the most Connecticut originations in 2025 (the latter counts lenders with at least 300 loans in the state); FHA and VA leaders count every lender's home-purchase loans.
The 15 lenders that made the most home loans in Connecticut
| # | Lender | Type | Loans | FHA | VA | Avg loan | Approval* |
|---|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | Nonbank lender | 4,505 | 11.9% | 4.4% | $261,846 | 81.9% |
| 2 | Total Mortgage Services, LLC | — | 3,299 | 13.6% | 2.6% | $294,779 | 94.6% |
| 3 | United Wholesale Mortgage | Nonbank lender | 3,084 | 22.8% | 10.4% | $353,891 | 84.1% |
| 4 | Citizens | Bank | 3,030 | 0.6% | 0.1% | $337,898 | 70.3% |
| 5 | Liberty Bank | — | 2,765 | 1.1% | 0.0% | $371,618 | 89.3% |
| 6 | M&T Bank | Bank | 2,398 | 1.8% | 0.0% | $245,509 | 65.2% |
| 7 | Bank of America | Bank | 2,061 | 0.3% | 0.0% | $377,586 | 58.3% |
| 8 | First World Mortgage Corporation | — | 2,009 | 15.5% | 1.6% | $222,566 | 96.1% |
| 9 | American Eagle Financial Credit Union | — | 1,709 | 0.2% | 0.0% | $155,205 | 78.6% |
| 10 | Webster Bank, National Association | — | 1,541 | 0.1% | 0.0% | $302,229 | 71.8% |
| 11 | CMG Home Loans | Nonbank lender | 1,504 | 18.6% | 2.1% | $303,285 | 90.1% |
| 12 | CrossCountry Mortgage | Nonbank lender | 1,294 | 14.4% | 2.3% | $432,890 | 92.0% |
| 13 | Chase | Bank | 1,171 | 0.9% | 0.5% | $941,251 | 87.9% |
| 14 | Sikorsky Financial Credit Union | — | 1,153 | 0.0% | 0.0% | $190,013 | 75.5% |
| 15 | U.S. Bank | Bank | 1,147 | 1.2% | 0.4% | $882,768 | 80.3% |
Source: 2025 HMDA originations, FFIEC/CFPB. FHA/VA = share of each lender's Connecticut loans. *Approval = originated ÷ (originated + denied); it mirrors a lender's channel and borrower mix, not how hard it is to qualify.
Also among the 25 lenders with the most HMDA filings here: Newrez, PennyMac, TD Bank, Freedom Mortgage, Guaranteed Rate (Rate), Mr. Cooper, loanDepot, Navy Federal Credit Union, New American Funding, Figure Lending LLC.
FHA lenders in Connecticut
3,771 FHA home-purchase loans were made in Connecticut in 2025 by 170 lenders. The typical FHA buyer here paid $12,257 in loan costs, including the 1.75% upfront mortgage insurance premium, at a median rate of 6.375%. The ten lenders that made the most:
| # | Lender | FHA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Total Mortgage Services, LLC | 401 | 10.6% | $12,033 | +0.56 |
| 2 | United Wholesale Mortgage | 328 | 8.7% | $12,778 | +0.51 |
| 3 | First World Mortgage Corporation | 291 | 7.7% | $10,529 | +0.34 |
| 4 | CMG Home Loans | 248 | 6.6% | $13,503 | +0.60 |
| 5 | Rocket Mortgage | 145 | 3.8% | $12,129 | +0.53 |
| 6 | American Neighborhood Mortgage Acceptance Company LLC | 133 | 3.5% | $11,933 | +0.49 |
| 7 | Guaranteed Rate (Rate) | 126 | 3.3% | $12,847 | +0.71 |
| 8 | CrossCountry Mortgage | 124 | 3.3% | $13,670 | +0.72 |
| 9 | Movement Mortgage | 110 | 2.9% | — | — |
| 10 | New American Funding | 86 | 2.3% | $12,446 | +0.63 |
| All Connecticut FHA buyers | 3,771 | 100% | $12,257 | +0.52 |
Among them, First World Mortgage Corporation had the lowest median loan costs ($10,529) and CrossCountry Mortgage the highest ($13,670) — $3,141 apart on similar loans, which is why a second Loan Estimate is worth getting.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien FHA home purchases in Connecticut. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. How we measured this.
VA lenders in Connecticut
1,393 VA home-purchase loans were made in Connecticut in 2025 by 114 lenders. The typical VA buyer here paid $8,332 in loan costs (including the VA funding fee for borrowers who owe it) at a median rate of 6.25%. The ten lenders that made the most:
| # | Lender | VA purchases | Share | Loan costs | APR vs benchmark |
|---|---|---|---|---|---|
| 1 | Veterans United | 380 | 27.3% | $7,993 | −0.21 |
| 2 | Navy Federal Credit Union | 130 | 9.3% | $7,380 | −0.58 |
| 3 | United Wholesale Mortgage | 84 | 6.0% | $11,026 | −0.29 |
| 4 | Total Mortgage Services, LLC | 76 | 5.5% | $10,486 | −0.11 |
| 5 | Movement Mortgage | 59 | 4.2% | — | — |
| 6 | Guaranteed Rate (Rate) | 48 | 3.4% | $7,658 | −0.41 |
| 7 | Rocket Mortgage | 42 | 3.0% | $8,125 | −0.24 |
| 8 | American Neighborhood Mortgage Acceptance Company LLC | 36 | 2.6% | $10,516 | −0.06 |
| 9 | USAA | 34 | 2.4% | $6,679 | −0.21 |
| 10 | First World Mortgage Corporation | 30 | 2.2% | — | — |
| All Connecticut VA buyers | 1,393 | 100% | $8,332 | −0.27 |
Among them, USAA had the lowest median loan costs ($6,679) and United Wholesale Mortgage the highest ($11,026) — $4,347 apart, though VA costs also depend on how many of a lender's borrowers are exempt from the funding fee.
Source: 2025 HMDA loan-level records (FFIEC/CFPB), first-lien VA home purchases in Connecticut. Costs and APR vs benchmark are medians of each lender's 30-year fixed loans here; "—" = fewer than 30. Data notes and limits.
How concentrated is the Connecticut market?
683 institutions reported Connecticut home-loan records for 2025 — the 19th-fewest of any state. The single most active lender accounts for 5.0% of all records and the top five for 18.9%, the 4th-least concentrated market of 51. With volume spread across many lenders, there is plenty of room to shop beyond the biggest names.
How to choose a lender in Connecticut
Connecticut borrowers took FHA loans 9.1% of the time and VA loans 3.5% (U.S. 13.2% and 8.2%). Buying near $832,750 or above? 3 Connecticut counties have a higher conforming limit, so check which side of the jumbo line your county puts you on before comparing quotes.
Get Loan Estimates from three or more lenders in the same two-week window (one credit inquiry) and compare APRs. For down-payment help, ask whether they are approved for CHFA's Time To Own or Down Payment Assistance Program (DAP) — only participating lenders can offer them (terms and sources).
Connecticut checks: Department of Banking licenses and CHFA lenders
Connecticut’s Department of Banking licenses mortgage lenders, mortgage brokers, correspondent lenders, loan originators and servicers. Its mortgage lender page sends you to NMLS Consumer Access to confirm a license and also offers a downloadable list of licensed lenders (as of September 2, 2026). Problems go through its Consumer Assistance form; the department takes complaints only about companies it regulates and points you to the right agency for the rest.
CHFA loans come only through participating lenders, which CHFA trains in its programs before approving them. Its participating-lender list ranks lenders by the past quarter’s CHFA loan volume and shows which also offer CHFA’s renovation and manufactured-home loans. The three at the top — Total Mortgage Services, First World Mortgage and CMG — are also 1st, 3rd and 4th in Connecticut for FHA purchase loans (2025 HMDA), together 25% of the state’s 3,771 FHA purchase loans. Of the state’s 25 most active lenders by HMDA records, 12 are on the list. Rocket Mortgage (1st), Bank of America (2nd) and Chase (5th) are not.
A Connecticut lawyer must run the closing
Since October 1, 2019, Public Act 19-88 has barred anyone but an attorney admitted in Connecticut, and not suspended, resigned, disbarred or inactive, from conducting a real estate closing. That covers:
- any sale or transfer of Connecticut property where money changes hands, and
- a mortgage loan secured by Connecticut property, unless it is a home equity line of credit or another loan with no lender’s title insurance policy.
An online or out-of-state lender doesn’t change this: a Connecticut attorney still runs the closing. When you compare Loan Estimates, ask who that attorney will be and where the fee appears.
Connecticut-based lenders in the ranking
Two Connecticut mortgage companies rank high: Milford’s Total Mortgage Services (4th, 4,591 records) and Hartford’s First World Mortgage (13th). Middletown-based Liberty Bank ranked 8th. American Eagle Financial Credit Union of East Hartford (12th) and Sikorsky Financial Credit Union of Stratford (20th) are the state’s credit unions in the top 25; credit unions lend to members, so check eligibility first.
Webster Bank of Stamford (11th by 2025 records) now belongs to Santander: Santander completed its acquisition of Webster in August 2026, and Webster Bank’s GLEIF record names Santander Bank, N.A. as its successor. Santander says existing accounts keep working as before for now; if you have a Webster quote, confirm which bank will make the loan.
| Lender | Based in | Type | Rank | 2025 records | FHA purchase rank |
|---|---|---|---|---|---|
| Total Mortgage Services | Milford, CT | Nonbank lender | 4 | 4,591 | 1 |
| Liberty Bank | Middletown, CT | Bank | 8 | 3,642 | — |
| Webster Bank (now part of Santander) | Stamford, CT | Bank | 11 | 2,866 | — |
| American Eagle Financial Credit Union | East Hartford, CT | Credit union | 12 | 2,463 | — |
| First World Mortgage | Hartford, CT | Nonbank lender | 13 | 2,332 | 3 |
| Sikorsky Financial Credit Union | Stratford, CT | Credit union | 20 | 1,836 | — |
Rank = position among the 25 lenders with the most Connecticut HMDA records in 2025; FHA purchase rank = position among the ten biggest Connecticut FHA home-purchase lenders in 2025; "—" = outside those lists. Headquarters from our lender profiles or the lender's GLEIF legal-entity record (linked).
Facts in the Connecticut sections above were checked November 6, 2026 against these sources: CT Department of Banking — mortgage lenders licensed in Connecticut; CT Department of Banking — verify a license; CT Department of Banking — consumer assistance; CHFA participating lenders; Public Act 19-88, An Act Concerning Real Estate Closings; GLEIF — Webster Bank, N.A. (successor: Santander Bank, N.A.); Santander US — Webster acquisition completed. Agency lender lists, program terms and rules change often — confirm with the agency or lender before you rely on them.
Connecticut lender FAQ
Who is the biggest mortgage lender in Connecticut?
By 2025 federal HMDA data, Rocket Mortgage originated the most home loans in Connecticut — about 4,505, or 6.0% of the state's originations.
Which lender makes the most FHA loans in Connecticut?
Total Mortgage Services, LLC made the most FHA home-purchase loans in Connecticut in 2025 — 401, or 10.6% of the 3,771 FHA purchases made by 170 lenders. United Wholesale Mortgage (328) was second.
Which lender makes the most VA loans in Connecticut?
Veterans United made the most VA home-purchase loans in Connecticut in 2025 (380, 27.3% of the state's VA purchases). VA loans were 3.5% of Connecticut originations, the 4th-lowest VA share among the states.
How much are closing costs on an FHA loan in Connecticut?
The typical Connecticut FHA buyer in 2025 paid $12,257 in total loan costs on a median $335,000 loan — lender fees, required third-party services and the 1.75% upfront mortgage insurance premium, per the Closing Disclosure.
That figure excludes recording taxes, prepaid interest and insurance, escrow deposits and the down payment.
Do I need a lawyer to buy a house in Connecticut?
Someone has to be: under Public Act 19-88 (effective October 1, 2019), only an attorney admitted in Connecticut and in good standing may conduct a real estate closing — any sale of Connecticut property for money, and any mortgage on Connecticut property that comes with a lender’s title insurance policy.
Home equity lines of credit, and loans with no lender’s title policy, are excluded.
Which lenders offer CHFA loans in Connecticut?
Only CHFA participating lenders, which CHFA trains before approving. Its list ranks them by recent CHFA volume — Total Mortgage Services, First World Mortgage and CMG lead it — and includes national lenders and Connecticut banks such as Liberty Bank.
Rocket Mortgage, Bank of America and Chase, among the state’s busiest lenders overall, are not on it.
Rankings are editorial and independent, built from public federal data — no lender pays to be listed. This is general information, not a recommendation or personalized advice. Confirm all terms directly with the lender.
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