Refinancing lenders in Western Connecticut Planning Region
2,131 refinancing mortgages were made in Western Connecticut Planning Region, Connecticut, in 2025, by 248 lenders. The median rate their borrowers got was 6.250% on a median loan of $465,000. Of 2,775 decisions, 551 were denials — 19.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 311 | 7.650% | $405,000 | 19.8% |
| U.S. Bank National Association | 196 | 5.875% | $1,215,000 | 4.2% |
| Manufacturers and Traders Trust Company | 167 | 5.990% | $290,000 | 21.5% |
| Bank of America, National Association | 154 | 5.990% | $345,000 | 27.7% |
| Union Savings Bank | 104 | 5.490% | $155,000 | 10.9% |
| Webster Bank, National Association | 99 | 7.240% | $255,000 | 28.8% |
| Rocket Mortgage, LLC | 91 | 5.990% | $475,000 | 17.2% |
| TD Bank, National Association | 75 | 7.340% | $505,000 | 30.3% |
| JPMorgan Chase Bank, National Association | 68 | 6.000% | $935,000 | 5.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 52 | 5.863% | $505,000 | 17.2% |
| Newtown Savings Bank | 40 | 7.250% | $155,000 | 2.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.125% | $605,000 | 2.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 6.375% | $390,000 | 9.4% |
| Wells Fargo Bank, National Association | 27 | 5.250% | $1,355,000 | 15.6% |
| FREEDOM MORTGAGE CORPORATION | 26 | 6.125% | $480,000 | 13.9% |
| NEWREZ LLC | 25 | 6.125% | $555,000 | 39.5% |
| CMG MORTGAGE, INC. | 24 | 6.438% | $430,000 | 16.1% |
| WARSHAW CAPITAL, LLC | 24 | 6.563% | $375,000 | 0.0% |
| Citibank, National Association | 23 | 5.750% | $1,575,000 | 8.0% |
| Loandepot.Com, LLC | 21 | 6.000% | $665,000 | 8.7% |
| TOTAL MORTGAGE SERVICES, LLC | 19 | 6.500% | $405,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 18 | 6.990% | $285,000 | 34.5% |
| Liberty Bank | 17 | 6.750% | $405,000 | 18.2% |
| Bethpage Federal Credit Union | 15 | 6.490% | $465,000 | 25.0% |
| PNC Bank, National Association | 15 | 6.750% | $455,000 | 31.8% |
| GUARANTEED RATE, INC. | 13 | 5.990% | $685,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 13 | 5.875% | $555,000 | 31.6% |
| Ives Bank | 13 | Not published | $505,000 | 18.8% |
| Fairfield County Bank | 12 | 5.750% | $480,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.563% | $1,145,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 11 | 5.750% | $885,000 | 8.3% |
| Prosperity Home Mortgage, LLC | 10 | 6.250% | $705,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 6.125% | $455,000 | 9.1% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 59.5% |
| KeyBank National Association | 9 | Under 10 loans | Under 10 loans | 43.8% |
| LONGBRIDGE FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SIKORSKY FINANCIAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| UBS Bank USA | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN EAGLE FINANCIAL Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 76.5% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| PRYSMA LENDING GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HUDSON VALLEY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 22.2% |
| First County Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL SECURITY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900C1CRYSCHG38F20 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 70.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 20.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 25.0% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Torrington Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WATERBURY CONNECTICUT TEACHERS FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ridgewood Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charter Oak Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Thomaston Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First Bank of Greenwich | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eastern Savings Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterman State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empower Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Northern Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICA'S FIRST NETWORK CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIBC Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHAMPIONS FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 48 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.