Connecticut Mortgage Rates 2026

Connecticut Mortgage Rates 2026:

Pre-Approval, CHFA Loans & How to Win in Today’s Market

Renovation ADU Financing Condo Financing CHFA Next Move

Connecticut doesn’t just have a housing market. It has a financing landscape.

Whether you are a first-time home buyer in Connecticut, refinancing a shoreline property, buying a multifamily in Hartford, or building on raw land in Litchfield County, your mortgage strategy determines whether the deal builds wealth — or pressure.

Connecticut Mortgage Resources:

The Bottom Line – Ready to Get Pre-Approved? Apply Here – Takes 5 Minutes

Why William Lavigne Is Our Top Recommended Lender for Connecticut Mortgages

32+ years serving Connecticut families • Local underwriting team in Milford • Fastest cell response in the state • Specializes in CHFA, construction-to-perm, jumbo shoreline, and first-time buyer programs.

Call William on his cell for the fastest service: 860-585-6285
[email protected]

Apply Here – Takes 5 Minutes

1. Conventional Loans (Fannie Mae & Freddie Mac)

The backbone of Connecticut home financing.

2. FHA Loans in Connecticut

Call William Lavigne on his cell for the fastest service 860-585-6285 Email

Apply Here

Connecticut mortgages aren’t just about borrowing money. They are about building leverage — safely, intelligently, and for the long term.

FACTORS THAT AFFECT THE MORTGAGE RATE

(Many factors that affect the mortgage rate are out of your control.)

Federal Reserve and Prime Rate
Bond Market
Mortgage-Backed Securities
Inflation

State of the overall economy
Secured overnight Finance Rates
The Constant Maturity Treasure Rate
Investor Adverse Market Fees

(Specifics of Each Mortgage Transaction also affect rates— see below)

Loan Amount
Loan Type
Loan Term

Amortization (10,15,30 Year Financing Terms)
Purpose (Purchase or Refinance)
Cash out and Amount
LTV and CLTV
Property Location
Property Type
Number of Units
Occupancy or Non-Occupancy
Credit Score and Credit History
Asset Verification and Reserves

Gift Funds
Lock Period (15,30,60 days)
Escrows Included or Waived
Points and Rate Buydown Options
Citizenship (or ITIN)

Other Miscellaneous factors depending on program and investor.

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

Fairfield County Directory Navigation:

FAIRFIELD COUNTY REAL ESTATE MORTGAGE DIRECTORY

BETHEL

TOTAL MORTGAGE SERVICES – BETHEL

Total Mortgage provides direct residential lending, digital pre-approvals, and rate locking across Bethel and Northern Fairfield County. Their branch specializes in CHFA down payment assistance programs, conventional fixed-rate financing, FHA/VA government loans, and construction-to-permanent products. Working closely with regional settlement agents, their originators focus on rapid underwriting turnarounds and local appraisal execution for primary homes and investment assets.

NMLS #2879 | Branch NMLS #1456002

158 Greenwood Ave, V-101, Bethel, CT 06801

(203) 783-4523 | https://www.totalmortgage.com/locations/branch/bethel

NEWTOWN SAVINGS BANK – BETHEL REGIONAL LENDING

Newtown Savings Bank delivers community-focused portfolio lending, custom jumbo mortgages, and home equity lines of credit (HELOC) for homebuyers in Bethel and Greater Danbury. Their lending team structures portfolio residential purchase loans, bridge financing for move-up buyers, and tailored refinancing solutions. Decisions are made locally to streamline underwriting timelines and support non-traditional borrower asset profiles.

NMLS #406080

68 Stony Hill Rd, Bethel, CT 06801

(203) 426-4440 | https://www.nsbonline.com

BRIDGEPORT

FIRST COUNTY BANK – BRIDGEPORT REGIONAL LENDING

First County Bank offers local portfolio residential lending, down payment assistance programs, and fixed/ARM purchase loans across Bridgeport and surrounding coastal areas. As a Connecticut mutual community bank, their originators emphasize tailored community lending, CHFA first-time homebuyer financing, and home equity solutions. Underwriting and processing are handled internally to maintain direct communication throughout the transaction lifecycle.

NMLS #411487

10 Middle St, Bridgeport, CT 06604

(203) 462-4400 | https://firstcountybank.com

M&T BANK MORTGAGE – BRIDGEPORT CENTER

M&T Bank provides full-service mortgage origination, low-down-payment purchase programs, and government-backed lending solutions throughout the Greater Bridgeport metro. The branch specializes in CRA-eligible lending programs, FHA/VA purchase loans, and conventional single-to-four-family financing. Their advisors work alongside local housing agencies and real estate counsel to structure compliant, affordable purchase transactions.

NMLS #38107

850 Main St, Bridgeport, CT 06604

(203) 384-5212 | https://www.mtb.com

DANBURY

FLAGSTAR BANK HOME LOAN CENTER – DANBURY

Flagstar Bank operates a dedicated home loan center delivering direct residential lending, high-balance financing, and specialty niche programs across Greater Danbury and Northern Fairfield County. The branch offers conventional purchase loans, doctor/professional loan programs, non-QM solutions, and renovation financing. Their senior advisors coordinate directly with local legal counsel and listing agents to ensure on-time closing performance.

Branch NMLS #1703

100 Mill Plain Rd, Suite 4A, Danbury, CT 06811

(203) 526-5969 | https://www.flagstar.com

UNION SAVINGS BANK – DANBURY MAIN LENDING HUB

Union Savings Bank is a historic mutual community bank providing residential mortgages, custom jumbo portfolios, and construction lending across Danbury and the Candlewood Lake corridor. Their residential lending team structures land loans, new construction financing, bridge loans, and customized portfolio products. All credit decisions and servicing operations remain localized to support smooth settlement coordination.

NMLS #446153

226 Main St, Danbury, CT 06810

(203) 830-4200 | https://www.unionsavings.com

DARIEN

CHASE HOME LENDING – DARIEN ADVISORY

Chase Home Lending delivers private client mortgage solutions, premier jumbo financing, and customized purchase structuring along Darien’s coastal corridor. Their home lending advisors specialize in complex asset-depletion qualification, high-net-worth liquidity management, and high-balance purchase commitments. The office coordinates with regional title attorneys and wealth management teams to facilitate high-value closings.

NMLS #399798

455 Post Rd, Darien, CT 06820

(203) 655-7771 | https://www.chase.com

BANKWELL – DARIEN COMMERCIAL & RESIDENTIAL LENDING

Bankwell offers relationship-focused residential portfolio loans, bridge financing, and custom jumbo mortgages for buyers across Darien and Lower Fairfield County. The institution focuses on flexible underwriting criteria for entrepreneurs, real estate investors, and high-asset individuals who require customized debt structuring. Decisions are rendered by local credit committees familiar with Gold Coast real estate values.

NMLS #462232

1065 Boston Post Rd, Darien, CT 06820

(203) 652-2660 | https://www.mybankwell.com

FAIRFIELD

CROSSCOUNTRY MORTGAGE – THE TOLISANO & WINZIG GROUP

CrossCountry Mortgage’s Miller Street branch delivers direct residential loan origination, same-day pre-approvals, and structured purchase financing across Fairfield and coastal Connecticut. The team handles conventional Fannie/Freddie loans, CHFA first-time homebuyer programs, high-balance jumbo financing, and investor cash-flow (DSCR) products. Their local processing infrastructure ensures rapid underwriting and on-time contingency clearance.

Branch NMLS #1670848

46 Miller St, #1, Fairfield, CT 06824

(203) 635-6757 | https://crosscountrymortgage.com/fairfield-ct-5801/

CHASE HOME LENDING – FAIRFIELD POST ROAD

Chase Home Lending’s Post Road branch delivers conventional purchase mortgages, jumbo coastal financing, and home equity lines for buyers in Fairfield, Southport, and Greenfield Hill. The senior lending advisors work directly with high-volume real estate teams and closing attorneys to structure rate locks, private client discounts, and quick pre-approvals.

NMLS #399798

1401 Post Rd, Fairfield, CT 06824

(203) 255-0142 | https://www.chase.com

GREENWICH

U.S. BANK HOME LENDING – GREENWICH BRANCH

U.S. Bank provides specialized jumbo lending, multi-million-dollar purchase financing, and customized portfolio solutions across Greenwich, Belle Haven, and Backcountry estates. Their local originators structure complex borrower transactions incorporating trust ownership, self-employed earnings, and non-traditional asset schedules. Direct coordination with local conveyance attorneys ensures strict compliance with Greenwich contract turnaround windows.

NMLS #402761

Greenwich Ave Financial Center, Greenwich, CT 06830

(203) 512-3918 | https://www.usbank.com

BANK OF AMERICA HOME LOANS – GREENWICH ADVISORY

Bank of America’s Greenwich lending center delivers private bank mortgage underwriting, high-balance jumbo loans, and custom relationship pricing for Gold Coast residential purchases. The office specializes in luxury real estate financing, interest-only structures, and seamless escrow coordination. Lending specialists work closely with listing brokerages and real estate counsel across Lower Fairfield County.

NMLS #399802

240 Greenwich Ave, Greenwich, CT 06830

(475) 330-3829 | https://www.bankofamerica.com

NORWALK

FAIRWAY INDEPENDENT MORTGAGE CORPORATION – NORWALK

Fairway Independent Mortgage Corporation provides retail mortgage banking, government-insured loans, and fast-track pre-approvals for buyers across Norwalk, Rowayton, and surrounding markets. Their originators specialize in FHA/VA purchase financing, conventional first-time buyer structures, down payment assistance, and quick closing turnarounds. Local processing ensures close coordination with area settlement agents.

NMLS #2289

Norwalk Regional Office, Norwalk, CT 06851

(203) 847-1900 | https://www.fairwayindependentmc.com

WEBSTER BANK – NORWALK REGIONAL LENDING

Webster Bank provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across the Greater Norwalk corridor. Their lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options. Regional underwriting ensures responsive processing aligned with local contractual deadlines.

NMLS #2826

179 East Ave, Norwalk, CT 06855

(203) 854-7600 | https://www.websterbank.com

STAMFORD

FIRST COUNTY BANK – MORTGAGE LENDING HEADQUARTERS

First County Bank’s main mortgage center directs residential portfolio lending, customized jumbo options, and community financing throughout Stamford and surrounding areas. Their in-house team provides first-time homebuyer grants, CHFA loans, multi-family financing, and tailored HELOC products. With direct underwriting on Prospect Street, decisions are executed locally for smooth title transfers.

NMLS #411487

117 Prospect St, Stamford, CT 06901

(203) 462-4400 | https://firstcountybank.com/117-prospect-street/

CITIZENS BANK MORTGAGE – STAMFORD HARBOR POINT

Citizens Bank delivers full-service residential mortgage lending, doctor loan programs, and super-jumbo financing for luxury condominiums and residential homes in Stamford. Their advisory team structures complex portfolio products, rate-lock protection programs, and construction financing. Originators maintain continuous communication with Stamford real estate firms and closing lawyers.

NMLS #433964

Harbor Point Lending Center, Stamford, CT 06902

(203) 351-4000 | https://www.citizensbank.com

WESTPORT

CITIBANK MORTGAGE – WESTPORT LENDING ADVISORY

Citibank Mortgage delivers relationship-tier jumbo loans, luxury estate financing, and custom purchase underwriting across Westport, Greens Farms, and Weston. Their lending specialists leverage private wealth assets to offer rate discounts, flexible debt-to-income tolerances, and bespoke refinancing structures. Originators collaborate with regional real estate law practices to ensure smooth escrow transactions.

NMLS #412912

275 Post Rd E, Westport, CT 06880

(203) 222-2600 | https://www.citi.com

TOTAL MORTGAGE SERVICES – WESTPORT BRANCH

Total Mortgage provides direct residential lending, rapid underwriting turnarounds, and comprehensive loan products for buyers in Westport and Lower Fairfield County. The office specializes in conforming high-balance purchase loans, bridge financing, jumbo products, and first-time buyer programs. Their team manages local appraisals and title documentation directly with regional attorneys.

NMLS #2879

Post Road Corridor, Westport, CT 06880

(203) 902-8800 | https://www.totalmortgage.com

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

Hartford County Directory Navigation:

HARTFORD COUNTY REAL ESTATE MORTGAGE DIRECTORY

AVON

NORTHWEST COMMUNITY BANK – AVON REGIONAL LENDING

Northwest Community Bank delivers portfolio residential mortgages, customized construction-to-permanent financing, and home equity solutions throughout Avon and the Farmington Valley. As a regional mutual financial institution, their lending group provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and land acquisition debt. Localized underwriting committees ensure fast credit approvals and coordinated closing timelines.

NMLS #411494

101 Simsbury Rd, Avon, CT 06001

(860) 677-2809 | https://www.nwcommunitybank.com

NORCOM MORTGAGE – CORPORATE HEADQUARTERS

Norcom Mortgage operates its direct lending headquarters in Avon, providing full-service residential origination, automated underwriting, and wholesale rate execution across Connecticut. The firm specializes in CHFA first-time homebuyer options, VA/FHA loans, jumbo estate financing, and reverse mortgages for senior homeowners. In-house processing, underwriting, and closing teams deliver end-to-end control over transaction milestones.

NMLS #71655

38 Security Dr, Avon, CT 06001

(860) 676-8003 | https://www.norcom-usa.com

BRISTOL

THOMASTON SAVINGS BANK – BRISTOL LENDING HUB

Thomaston Savings Bank delivers mutual community bank lending, down payment assistance, and flexible residential mortgages across Bristol and Western Hartford County. Their residential team provides CHFA first-time homebuyer loans, FHA/VA government options, and affordable housing grants alongside traditional portfolio products. Local decision-making and in-house servicing keep transactions on schedule through settlement.

NMLS #469913

120 Farmington Ave, Bristol, CT 06010

(860) 589-3000 | https://www.thomastonsavingsbank.com

FIRST WORLD MORTGAGE CORPORATION – BRISTOL

First World Mortgage Corporation offers direct residential mortgage banking, fast rate-lock commitments, and automated pre-approvals for buyers throughout Bristol and Central Connecticut. The practice specializes in conventional agency loans, CHFA programs, zero-down USDA rural financing, and renovation loan packages. Originators work directly with buyers and local listing brokerages to ensure timely contingency clearance.

NMLS #2643

127 Prospect Ave, West Hartford / Bristol Regional Line, CT 06106

(860) 584-9000 | https://www.firstworldmortgage.com

FARMINGTON

CT LIBERTY MORTGAGE – FARMINGTON HEADQUARTERS

CT Liberty Mortgage is a full-service mortgage brokerage delivering tailored home purchase financing, rate comparisons, and loan restructuring across Farmington, Unionville, and Hartford County. Their brokers partner with national wholesale lenders to provide conventional loans, non-QM bank statement programs for self-employed borrowers, and jumbo options. The team coordinates title documentation and appraisal orders with local closing counsel.

NMLS #114256

1027 Farmington Ave, Farmington, CT 06032

(860) 674-8800 | https://www.ctlibertymortgage.com

M&T BANK MORTGAGE – FARMINGTON REGIONAL CENTER

M&T Bank delivers full-scale mortgage origination, proprietary portfolio products, and low-down-payment purchase loans throughout Farmington and the Greater Hartford corridor. The lending team specializes in doctor and resident loan programs, high-balance conforming products, and home equity lines of credit. Underwriters and settlement coordinators operate regionally to support tight purchase contingencies.

NMLS #38107

Highland Park / Farmington Ave, Farmington, CT 06032

(860) 677-4618 | https://www.mtb.com

GLASTONBURY

CITIZENS BANK MORTGAGE – GLASTONBURY LENDING CENTER

Citizens Bank provides residential mortgage advisory, relationship-discount jumbo financing, and new construction loans for homebuyers in Glastonbury and the River Valley. Originators work with high-asset buyers, business owners, and corporate transferees on structured loan products with flexible debt-to-income limits. Loan specialists coordinate directly with regional title firms to manage closing disbursements.

NMLS #433960

2400 Main St, Glastonbury, CT 06033

(860) 659-3500 | https://www.citizensbank.com

WEBSTER BANK – GLASTONBURY FINANCIAL CENTER

Webster Bank provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across Glastonbury and Eastern Hartford County. Their lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options. Regional underwriting ensures responsive processing aligned with local contractual deadlines.

NMLS #2826

1039 Main St, Glastonbury, CT 06033

(860) 659-6700 | https://www.websterbank.com

HARTFORD

FAIRWAY INDEPENDENT MORTGAGE – FINANCIAL PLAZA (HODGKINS TEAM)

Fairway Independent Mortgage Corporation delivers retail mortgage advisory, rapid purchase pre-approvals, and down payment assistance programs from downtown Hartford. The Hodgkins Team specializes in FHA/VA residential loans, conventional agency products, CHFA first-time buyer financing, and multi-family 2-4 unit investor lending. Their direct processing team works alongside urban housing programs and local closing attorneys.

Branch NMLS #109-06103 | LO NMLS #90265

One Financial Plaza, Suite 109, Hartford, CT 06103

(860) 966-0543 | https://www.fairwayindependentmc.com

SOJOURN MORTGAGE COMPANY – HARTFORD

Sojourn Mortgage Company provides residential mortgage brokerage services, purchase rate structuring, and debt refinancing across Greater Hartford and Central Connecticut. The firm accesses wholesale lender networks to match clients with conventional, FHA, VA, and niche non-conforming loan products. Their brokers maintain close relationships with local settlement agents to guide buyers through contract contingencies.

NMLS #120935

15 Lewis St, Hartford, CT 06103

(860) 527-6600 | https://www.sojournmortgage.com

MANCHESTER

BURKE MORTGAGE – MANCHESTER

Burke Mortgage offers independent residential and commercial mortgage brokerage solutions, tailored rate shopping, and purchase advisory across Manchester and Eastern Hartford County. The practice assists first-time buyers, self-employed professionals, and real estate investors with conventional, FHA, VA, and USDA financing. Working with dozens of wholesale wholesale lenders, the firm delivers flexible loan structures for challenging credit or asset scenarios.

NMLS #122246

26 Robert Rd, Manchester, CT 06040

(860) 649-5363 | https://burkemortgage.com

GENERATION MORTGAGE, LLC – MANCHESTER

Generation Mortgage delivers family-owned residential mortgage brokerage services, purchase pre-approvals, and refinancing options throughout Manchester, Bolton, and Vernon. The company works with over 40 wholesale wholesale lenders to source competitive conventional, FHA, VA, and jumbo loan packages. Originators guide buyers through initial document packaging to final settlement table execution.

NMLS #114638

105 E Center St, Manchester, CT 06040

(860) 533-0404 | https://www.generationmortgagellc.com

NEW BRITAIN

McCUE MORTGAGE COMPANY – NEW BRITAIN HEADQUARTERS

McCue Mortgage is a historic Connecticut residential mortgage banking and servicing institution headquartered in New Britain, operating continuously since 1949. The firm is widely recognized as a leading originator of CHFA (Connecticut Housing Finance Authority) loans, alongside FHA, VA, and conventional purchase products. In-house underwriting, secondary marketing, and direct servicing ensure stability throughout the life of the loan.

NMLS #2576

One Liberty Square, 3rd Fl, New Britain, CT 06051

(860) 224-2683 | https://www.mccuemortgage.com

SIMSBURY

LIBERTY BANK – SIMSBURY FINANCIAL CENTER

Liberty Bank delivers mutual community banking, residential portfolio lending, and construction loans across Simsbury, Granby, and the upper Farmington Valley. Their lending group provides local underwriting for custom home construction, renovation loans, jumbo mortgages, and first-time buyer CHFA programs. Originators emphasize relationship lending and localized settlement coordination with area attorneys.

NMLS #459016

981 Hopmeadow St, Simsbury, CT 06070

(860) 408-5493 | https://www.liberty-bank.com

SOUTHINGTON

NEW ENGLAND HOME MORTGAGE – SOUTHINGTON

New England Home Mortgage is an independent brokerage delivering residential mortgage programs, rate-lock advisory, and purchase financing across Southington, Plantsville, and Central CT. The firm structures conventional fixed-rate options, FHA/VA loans, and cash-out refinancing packages through a wide network of wholesale lenders. Brokers manage file processing closely to satisfy appraisal requirements and closing deadlines.

NMLS #108518

37 W Center St, Southington, CT 06489

(860) 621-6462 | https://www.nehomemortgage.com

WEST HARTFORD

FIRST WORLD MORTGAGE CORPORATION – HEADQUARTERS

First World Mortgage Corporation operates its state headquarters in West Hartford, standing as one of Connecticut’s top-ranked independent mortgage bankers and CHFA originators. The institution delivers conventional agency financing, FHA/VA purchase loans, jumbo mortgages, and proprietary down payment assistance. Dedicated in-house underwriters and closers maintain direct integration with regional law firms and brokers.

NMLS #2643

127 Prospect Ave, West Hartford, CT 06106

(860) 233-5626 | https://www.firstworldmortgage.com

PROVINCE MORTGAGE ASSOCIATES – WEST HARTFORD BRANCH

Province Mortgage Associates delivers full-service retail mortgage lending, rapid pre-qualification, and purchase loan structuring across West Hartford, Farmington, and Hartford. The branch specializes in conventional agency mortgages, FHA/VA products, doctor/professional loans, and jumbo luxury financing. Originators prioritize high-touch communication with buyers and legal counsel throughout the escrow period.

NMLS #2861

75 Prospect Ave, West Hartford, CT 06106

(860) 808-1600 | https://www.provincemortgage.com

SANBORN MORTGAGE CORPORATION – WEST HARTFORD CENTER

Sanborn Mortgage Corporation has delivered residential mortgage advisory, personalized rate locks, and purchase financing in West Hartford Center for over three decades. The boutique firm specializes in conventional conforming loans, high-balance financing, relocation mortgages, and refinancing solutions. Their senior loan advisors emphasize transparent fee structures and hands-on settlement execution.

NMLS #3026

35 N Main St, West Hartford, CT 06107

(860) 561-4100 | https://www.sanbornmortgage.com

WETHERSFIELD

WELCOME HOME MORTGAGE, LLC – WETHERSFIELD

Welcome Home Mortgage provides full-service residential mortgage origination and loan consultation along the Silas Deane Highway corridor. The brokerage delivers fixed and adjustable-rate conventional loans, CHFA first-time buyer assistance, FHA/VA products, and new construction financing. Their originators coordinate with regional title examiners to streamline closing preparation.

NMLS #118491

1331 Silas Deane Hwy, Wethersfield, CT 06109

(860) 529-8880 | https://www.welcomehomemortgagellc.com

WINDSOR

HORIZON HOME MORTGAGE LLC – WINDSOR

Horizon Home Mortgage delivers direct residential mortgage brokerage services, rate comparisons, and purchase financing across Windsor and Northern Hartford County. The company structures conventional agency loans, USDA zero-down programs, FHA/VA products, and investor debt-service options. Brokers work alongside local listing teams to verify property condition and clear escrow contingencies smoothly.

NMLS #119854

34 Bloomfield Ave, Windsor, CT 06095

(860) 285-8665 | https://www.horizonhomemortgage.com

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

Litchfield County Directory Navigation:

LITCHFIELD COUNTY REAL ESTATE MORTGAGE DIRECTORY

LITCHFIELD

LITCHFIELD BANCORP (DIVISION OF NORTHWEST COMMUNITY BANK)

Litchfield Bancorp delivers dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout the historic Litchfield Hills. The institution provides conventional fixed-rate terms, flexible home equity lines, customized construction-to-permanent loans, and portfolio solutions for non-standard acreage parcels. In-house processing and regional credit committees ensure consistent communication and timely closings with local settlement counsel.

NMLS #510148

294 West St, Litchfield, CT 06759

(860) 567-9401 | https://www.nwcommunitybank.com

UNION SAVINGS BANK – LITCHFIELD FINANCIAL CENTER

Union Savings Bank provides residential purchase loans, jumbo mortgages for country estates, and customized refinancing options across Litchfield, Morris, and Goshen. Their lending group structures first-time buyer CHFA programs, home improvement debt, and portfolio lending tailored to self-employed or asset-based borrowers. Loan officers coordinate appraisal management and title commitments directly with area real estate attorneys.

NMLS #446153

West Street Corridor, Litchfield, CT 06759

(860) 567-0875 | https://www.unionsavings.com

NEW HARTFORD

NORTHWEST COMMUNITY BANK – NEW HARTFORD BRANCH

Northwest Community Bank delivers community-driven residential lending, USDA rural home financing, and vacant land loans along the Farmington River corridor in New Hartford. Their mortgage team offers fixed and adjustable conventional mortgages, home construction packages, and streamlined refinancing. All loan decisions are rendered by local underwriters familiar with rural zoning and private well/septic property guidelines.

NMLS #510148

141B Main St, New Hartford, CT 06057

(860) 693-8397 | https://www.nwcommunitybank.com

NEW MILFORD

UNION SAVINGS BANK – NEW MILFORD REGIONAL LENDING

Union Savings Bank operates a major regional lending hub in New Milford, delivering comprehensive residential mortgage products across the Route 7 corridor and the Candlewood Lake region. The branch specializes in conventional agency mortgages, lakefront property jumbo loans, CHFA down payment assistance, and home construction-to-perm financing. Originators work closely with local conveyancers and real estate brokerages to maintain contract milestone timelines.

NMLS #446153

169 Danbury Rd, New Milford, CT 06776

(860) 350-2500 | https://www.unionsavings.com

SAVINGS BANK OF DANBURY – NEW MILFORD OFFICE

Savings Bank of Danbury delivers mutual community bank portfolio lending, first-time homebuyer solutions, and jumbo purchase loans for buyers across New Milford, Sherman, and Bridgewater. Their team structures zero-to-low down payment programs, FHA/VA options, and customized bridge financing for move-up buyers. Direct in-house underwriting ensures rapid turnarounds and clear title transfer execution.

NMLS #411481

55 Main St, New Milford, CT 06776

(860) 355-6670 | https://www.sbdanbury.com

SALISBURY / LAKEVILLE

SALISBURY BANK (DIVISION OF NBT BANK) – MAIN LENDING OFFICE

Salisbury Bank delivers private client mortgage advisory, high-balance jumbo loans, and country estate purchase financing across Salisbury, Lakeville, Sharon, and the Northwest Corner. The lending team specializes in historic property transactions, land conservation parcel financing, and custom portfolio debt for high-net-worth individuals. Originators maintain active coordination with local settlement practices throughout Litchfield County and the Berkshires.

NMLS #405786

5 Bissell St, Lakeville, CT 06039

(860) 435-9801 | https://www.nbtbank.com

THOMASTON

THOMASTON SAVINGS BANK – CORPORATE HEADQUARTERS & LENDING HUB

Thomaston Savings Bank operates its corporate headquarters and primary residential mortgage lending division in Thomaston, serving buyers across the Naugatuck Valley and Central Litchfield County. The mutual institution provides CHFA first-time homebuyer loans, conventional agency products, FHA/VA financing, and local portfolio construction lending. In-house servicing and localized underwriting provide transparent communication from pre-approval through deed recording.

NMLS #469913

203 Main St, Thomaston, CT 06787

(860) 283-1874 | https://www.thomastonsavingsbank.com

TORRINGTON

TORRINGTON SAVINGS BANK – MAIN OFFICE & LENDING CENTER

Torrington Savings Bank delivers mutual community mortgage banking, low-down-payment purchase loans, and home equity solutions across Torrington and Northern Litchfield County. Their lending division provides competitive conventional fixed-rate options, CHFA programs, home renovation loans, and portfolio financing for multi-family properties. Credit decisions are made on-site to ensure smooth contingency clearance and closing execution.

NMLS #404919

129 Main St / 235 Dibble St, Torrington, CT 06790

(860) 496-2152 | https://www.torringtonsavings.bank

NORTHWEST COMMUNITY BANK – TORRINGTON BRANCH

Northwest Community Bank provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Torrington and Harwinton. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines. Their local processing infrastructure coordinates directly with regional title examiners to streamline the escrow settlement workflow.

NMLS #510148

416 Main St, Torrington, CT 06790

(860) 482-3423 | https://www.nwcommunitybank.com

WATERTOWN / OAKVILLE

THOMASTON SAVINGS BANK – WATERTOWN BRANCH

Thomaston Savings Bank provides residential purchase loans, construction financing, and home equity credit lines for buyers across Watertown, Oakville, and Bethlehem. The branch originators specialize in CHFA down payment grants, conventional conforming loans, and specialized community housing programs. The lending group works directly with local conveyancing attorneys to verify title commitments and ensure smooth loan settlements.

NMLS #469913

565 Main St, Watertown, CT 06795

(860) 274-1248 | https://www.thomastonsavingsbank.com

ION BANK – WATERTOWN FINANCIAL CENTER

Ion Bank delivers mutual community lending, portfolio residential mortgages, and first-time buyer assistance for properties throughout Watertown and Southern Litchfield County. Their residential team offers conventional fixed/ARM products, medical professional loans, bridge financing, and customized home equity structures. All underwriting and servicing functions are managed locally to maintain strict closing timelines.

NMLS #469908

553 Main St, Watertown, CT 06795

(203) 729-4442 | https://www.ionbank.com

WINCHESTER / WINSTED

NORTHWEST COMMUNITY BANK – WINSTED HEADQUARTERS

Northwest Community Bank operates its primary administrative and mortgage lending headquarters in Winsted, providing community-oriented residential financing across Winchester, Colebrook, and Barkhamsted. The team originates conventional fixed-rate purchase loans, rural property packages, home construction mortgages, and municipal employee programs. In-house lending committees deliver reliable credit decisions and seamless title disbursements.

NMLS #510148

86 Main St, Winsted, CT 06098

(860) 379-7561 | https://www.nwcommunitybank.com

WOODBURY

NEWTOWN SAVINGS BANK – WOODBURY REGIONAL LENDING

Newtown Savings Bank delivers portfolio residential mortgages, custom jumbo financing, and home equity credit lines across Woodbury, Southbury, and Bethlehem. The lending group specializes in historic district purchase loans, acreage parcel debt, and bridge financing for transitional buyers. Originators work directly with area real estate law firms to streamline the appraisal and title settlement process.

NMLS #406080

Main Street South Corridor, Woodbury, CT 06798

(203) 263-4318 | https://www.nsbonline.com

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

Middlesex County Directory Navigation:

MIDDLESEX COUNTY REAL ESTATE MORTGAGE DIRECTORY

CHESTER

LIBERTY BANK – CHESTER FINANCIAL CENTER

Liberty Bank delivers community-focused residential mortgage lending, bridge loans, and home equity lines of credit throughout Chester and the Lower Connecticut River Valley. The mutual institution provides conventional fixed-rate purchase financing, first-time buyer CHFA programs, and customized renovation loan products. Local underwriting committees and processors ensure direct communication with area conveyancing attorneys through settlement.

NMLS #459016

6 Main St, Chester, CT 06412

(860) 526-0000 | https://www.liberty-bank.com

CLINTON

ESSEX SAVINGS BANK – CLINTON BRANCH

Essex Savings Bank provides full-service residential mortgage originations, shoreline portfolio loans, and construction-to-permanent financing across Clinton and coastal Middlesex County. Their lending officers offer conventional agency mortgages, waterfront property portfolio products, and tailored refinancing solutions. Loan decisions and servicing remain localized to support smooth contract contingency clearance.

NMLS #440560

1 Main St, Clinton, CT 06413

(860) 669-0000 | https://www.essex.bank

LIBERTY BANK – CLINTON BRANCH

Liberty Bank provides retail residential loan origination, doctor/professional programs, and down payment assistance loans for homebuyers across Clinton and Westbrook. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines. Their regional operations team coordinates directly with local title examiners to maintain contract closing dates.

NMLS #459016

8 E Main St, Clinton, CT 06413

(860) 669-5773 | https://www.liberty-bank.com

CROMWELL

WEBSTER BANK – CROMWELL FINANCIAL CENTER

Webster Bank provides comprehensive residential mortgage originations, jumbo financing, and medical professional loan programs for buyers in Cromwell and Northern Middlesex County. Their loan officers structure purchase financing, high-balance conforming debt, and custom refinancing options tailored to complex compensation structures. Regional loan processors maintain direct contact with local real estate attorneys and settlement agents.

NMLS #2826

534 Main St, Cromwell, CT 06416

(860) 635-2311 | https://www.websterbank.com

DUTCH POINT CREDIT UNION – CROMWELL BRANCH

Dutch Point Credit Union delivers member-focused residential portfolio lending, first-time homebuyer solutions, and competitive fixed-rate mortgages across Cromwell and Greater Hartford/Middlesex. The institution provides low-down-payment options, flexible underwriting guidelines, and tailored home equity credit lines. Processing and underwriting remain local to ensure prompt file clearance.

NMLS #469926

30 Shunpike Rd, Cromwell, CT 06416

(860) 563-2617 | https://www.dutchpoint.org

DEEP RIVER

LIBERTY BANK – DEEP RIVER BRANCH

Liberty Bank delivers dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout Deep River and surrounding River Valley communities. The branch provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and home equity credit lines. Local underwriting ensures dependable loan commitments and coordinated closings.

NMLS #459016

151 Main St, Deep River, CT 06417

(860) 526-5312 | https://www.liberty-bank.com

EAST HADDAM

LIBERTY BANK – MOODUS / EAST HADDAM BRANCH

Liberty Bank provides retail mortgage originations, USDA rural development loans, and conventional purchase financing across East Haddam, Moodus, and the Salmon River region. Their residential originators guide buyers through government-insured loan options, CHFA programs, and private well/septic property guidelines. The lending team collaborates with regional title practices to execute smooth transactions.

NMLS #459016

26 Falls Rd, Moodus, CT 06469

(860) 873-8636 | https://www.liberty-bank.com

EAST HAMPTON

LIBERTY BANK – EAST HAMPTON CENTER

Liberty Bank offers complete residential lending services, lakefront home portfolio loans, and purchase pre-approvals across East Hampton and Lake Pocotopaug. Their originators specialize in conventional fixed-rate options, home renovation loans, and home equity credit lines for existing owners. In-house underwriting provides direct accountability from pre-approval through deed recording.

NMLS #459016

2 W High St, East Hampton, CT 06424

(860) 267-2517 | https://www.liberty-bank.com

ESSEX

ESSEX SAVINGS BANK – CORPORATE HEADQUARTERS & LENDING

Essex Savings Bank operates its primary administrative and mortgage lending headquarters in Essex, delivering bespoke shoreline portfolio financing across the Lower River Valley. The mutual institution specializes in luxury coastal mortgages, historic preservation properties, construction-to-permanent loans, and asset-based portfolio debt. In-house credit committees and dedicated servicing provide high-touch settlement coordination.

NMLS #440560

35 Plains Rd, Essex, CT 06426

(860) 767-2573 | https://www.essex.bank

ESSEX SAVINGS BANK – ESSEX VILLAGE BRANCH

Essex Savings Bank’s historic Village office delivers relationship-focused residential purchase loans, customized jumbo options, and home equity products in the heart of Essex. The lending group works directly with local conveyancing attorneys, wealth advisors, and listing brokerages on high-value residential transactions. All loan servicing and underwriting operations remain headquartered locally.

NMLS #440560

9 Main St, Essex, CT 06426

(860) 767-8238 | https://www.essex.bank

MIDDLETOWN

LIBERTY BANK – CORPORATE HEADQUARTERS & MAIN LENDING CENTER

Liberty Bank operates its corporate headquarters in Middletown, serving as one of Connecticut’s largest mutual community mortgage lenders. The institution delivers conventional agency financing, CHFA down payment assistance programs, FHA/VA loans, and custom construction-to-permanent packages. Dedicated underwriting and settlement divisions maintain active integration with regional real estate law firms.

NMLS #459016

291 Main St / 315 Main St, Middletown, CT 06457

(860) 344-7200 | https://www.liberty-bank.com

NFM LENDING – MIDDLETOWN BRANCH

NFM Lending provides direct residential mortgage banking, rapid digital pre-approvals, and purchase loan structuring across Middletown and Central Connecticut. The branch specializes in conventional agency loans, CHFA first-time homebuyer programs, FHA 203(k) renovation loans, and VA military financing. Originators maintain high-touch communication with buyers and legal counsel throughout the escrow period.

Branch NMLS #2681457

386 Main St, Suite 400, Middletown, CT 06457

(860) 358-0050 | https://nfmlending.com/branch/ct408-middletown-ct/

CMG HOME LOANS – MIDDLETOWN REGIONAL OFFICE

CMG Home Loans provides retail mortgage originations, proprietary All-In-One loan products, and tailored purchase financing along the Broad Street corridor. The lending team offers conventional fixed/ARM mortgages, jumbo products, FHA/VA loans, and specialized HomeFundIt down payment gifting programs. Local processors coordinate appraisal orders and title commitments directly with area closing lawyers.

Branch NMLS #2482144

93-97 Broad St, Suites 3 & 7, Middletown, CT 06457

(860) 985-6266 | https://www.cmghomeloans.com

OLD SAYBROOK

GUILFORD SAVINGS BANK (GSB) – OLD SAYBROOK LENDING CENTER

Guilford Savings Bank delivers community portfolio lending, coastal jumbo mortgages, and customized purchase underwriting across Old Saybrook, Fenwick, and shoreline Middlesex. The lending team structures renovation packages, bridge loans for move-up buyers, and tailored solutions for self-employed borrowers. Credit decisions are made locally to streamline underwriting timelines and support smooth closings.

NMLS #517294

840 Boston Post Rd, Old Saybrook, CT 06475

(203) 458-5469 | https://www.mygsb.bank

ESSEX SAVINGS BANK – OLD SAYBROOK BRANCH

Essex Savings Bank provides comprehensive residential mortgage originations, conventional fixed-rate options, and shoreline portfolio loans in Old Saybrook. Their loan officers assist first-time and luxury buyers with purchase financing, home construction packages, and streamlined refinancing. All loan decisions are rendered by regional underwriters familiar with coastal zoning and elevation requirements.

NMLS #440560

155 Main St, Old Saybrook, CT 06475

(860) 388-3543 | https://www.essex.bank

PORTLAND

LIBERTY BANK – PORTLAND BRANCH

Liberty Bank delivers retail residential mortgage lending, CHFA first-time homebuyer assistance, and home equity lines of credit across Portland and the East bank of the Connecticut River. The branch provides conventional agency loans, low-down-payment purchase programs, and refinancing packages. Local operations staff ensure responsive processing aligned with contract milestones.

NMLS #459016

245 Marlborough St, Portland, CT 06480

(860) 342-1244 | https://www.liberty-bank.com

WESTBROOK

ESSEX SAVINGS BANK – WESTBROOK REGIONAL LENDING

Essex Savings Bank provides relationship-focused residential purchase loans, shoreline property portfolio products, and home equity lines along the Route 1 corridor in Westbrook. Originators assist buyers with fixed-rate mortgages, jumbo financing for waterfront residences, and construction loans. Their local processing infrastructure coordinates directly with regional title examiners to streamline closing preparation.

NMLS #440560

2030 Boston Post Rd, Westbrook, CT 06498

(860) 399-6234 | https://www.essex.bank

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

New Haven County Directory Navigation:

NEW HAVEN COUNTY REAL ESTATE MORTGAGE DIRECTORY

BRANFORD

GUILFORD SAVINGS BANK (GSB) – BRANFORD LENDING CENTER

Guilford Savings Bank delivers community portfolio lending, shoreline jumbo mortgages, and customized purchase underwriting across Branford, Stony Creek, and Pine Orchard. The lending team structures renovation packages, bridge loans for move-up buyers, and tailored solutions for self-employed borrowers. Credit decisions are made locally to streamline underwriting timelines and support smooth closings with local legal counsel.

NMLS #517294

61 N Main St, Branford, CT 06405

(203) 458-5417 | https://www.mygsb.bank

LIBERTY BANK – BRANFORD FINANCIAL CENTER

Liberty Bank provides dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout Branford and coastal New Haven County. The branch offers conventional fixed-rate financing, first-time buyer CHFA programs, and home equity lines of credit. Regional loan processors maintain active coordination with area title examiners to ensure on-time closing execution.

NMLS #459016

1000 W Main St, Branford, CT 06405

(203) 488-8381 | https://www.liberty-bank.com

CHESHIRE

ION BANK – CHESHIRE REGIONAL LENDING

Ion Bank delivers mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals for buyers across Cheshire and Central Connecticut. Their lending team structures conventional fixed/ARM products, medical professional loans, bridge financing, and customized home equity structures. All credit decisions and file processing remain localized to maintain clear communication throughout escrow.

NMLS #469908

540 Highland Ave, Cheshire, CT 06410

(203) 272-1661 | https://www.ionbank.com

LIBERTY BANK – CHESHIRE BRANCH

Liberty Bank delivers retail residential mortgage lending, low-down-payment purchase programs, and construction-to-permanent loans across Cheshire and Prospect. Their originators specialize in CHFA first-time homebuyer financing, conventional conforming debt, and home equity credit lines. In-house underwriting provides direct accountability from pre-approval through deed recording.

NMLS #459016

144 Highland Ave, Cheshire, CT 06410

(203) 272-5301 | https://www.liberty-bank.com

GUILFORD

GUILFORD SAVINGS BANK (GSB) – MAIN HEADQUARTERS & LENDING HUB

Guilford Savings Bank operates its primary mortgage origination and banking center on the historic Guilford Green, delivering tailored coastal lending solutions across the shoreline. The institution specializes in custom jumbo financing, historic property transactions, waterfront construction-to-permanent loans, and portfolio credit. In-house credit committees and local servicing ensure rapid contingency clearance and high-touch settlement coordination.

NMLS #517294

1 Park St, Guilford, CT 06437

(203) 453-2721 | https://www.mygsb.bank

HAMDEN

TOTAL MORTGAGE SERVICES – HAMDEN BRANCH

Total Mortgage provides direct residential lending, automated rate-lock execution, and streamlined purchase pre-approvals across Hamden, North Haven, and Greater New Haven. Their team specializes in CHFA down payment assistance programs, conventional fixed-rate financing, FHA/VA government loans, and multi-family property products. Originators coordinate with regional settlement agents to ensure strict compliance with contract deadlines.

NMLS #2879

2560 Dixwell Ave, Hamden, CT 06514

(203) 287-2500 | https://www.totalmortgage.com

WEBSTER BANK – HAMDEN FINANCIAL CENTER

Webster Bank provides full-service residential mortgage originations, high-balance conforming debt, and doctor loan programs for buyers in Hamden and Mount Carmel. Their originators structure primary residence financing, FHA/VA loans, and home equity lines of credit. Regional loan processors maintain direct contact with local real estate attorneys throughout the transaction lifecycle.

NMLS #2826

2440 Dixwell Ave, Hamden, CT 06514

(203) 287-7300 | https://www.websterbank.com

MADISON

GUILFORD SAVINGS BANK (GSB) – MADISON BRANCH

Guilford Savings Bank delivers shoreline portfolio lending, luxury jumbo mortgages, and personalized purchase financing throughout Madison, Boston Post Road, and coastal neighborhoods. The lending officers provide tailored asset-depletion qualification, bridge loans for move-up buyers, and custom home construction packages. Regional processing ensures direct collaboration with local conveyancers.

NMLS #517294

608 Boston Post Rd, Madison, CT 06443

(203) 245-7306 | https://www.mygsb.bank

MILFORD

TOTAL MORTGAGE SERVICES – CORPORATE HEADQUARTERS

Total Mortgage operates its national headquarters and primary underwriting center in Milford, providing direct residential lending and retail wholesale rate execution across Connecticut. The firm specializes in conventional agency loans, high-balance jumbo mortgages, CHFA first-time homebuyer programs, and renovation financing. Dedicated in-house underwriters and closers maintain seamless integration with regional law firms and brokers.

NMLS #2879

185 Plains Rd, 3rd Floor, Milford, CT 06461

(203) 876-2200 | https://www.totalmortgage.com

FIRST COUNTY BANK – MILFORD FINANCIAL CENTER

First County Bank delivers community portfolio lending, customized jumbo options, and residential purchase loans for buyers in Milford, Woodmont, and coastal New Haven County. As a mutual institution, their originators offer CHFA down payment grants, conventional fixed/ARM products, and flexible home equity solutions. Localized credit decisions support fast turnaround times for escrow contingencies.

NMLS #411487

259 Broad St, Milford, CT 06460

(203) 783-6500 | https://firstcountybank.com

NAUGATUCK

ION BANK – CORPORATE HEADQUARTERS & LENDING DIVISION

Ion Bank operates its corporate headquarters and primary mortgage division in Naugatuck, delivering community-focused residential lending across the Naugatuck Valley. The mutual institution provides CHFA first-time homebuyer loans, conventional agency products, FHA/VA financing, and local portfolio construction lending. In-house servicing and localized underwriting deliver transparent communication from pre-approval through closing.

NMLS #469908

87 Church St / 1430 New Haven Rd, Naugatuck, CT 06770

(203) 729-4442 | https://www.ionbank.com

NEW HAVEN

LIBERTY BANK – NEW HAVEN FINANCIAL CENTER

Liberty Bank delivers full-scale residential mortgage origination, low-down-payment programs, and multi-family 2-4 unit purchase loans throughout New Haven, East Rock, and Westville. The lending team specializes in doctor/resident programs for Yale medical staff, CHFA homebuyer grants, and conventional agency debt. Regional underwriters maintain active collaboration with urban real estate attorneys.

NMLS #459016

1475 Whalley Ave, New Haven, CT 06515

(203) 387-2531 | https://www.liberty-bank.com

START MORTGAGE – NEW HAVEN REGIONAL OFFICE

Start Mortgage provides independent residential mortgage brokerage services, tailored rate shopping, and purchase advisory across Greater New Haven. The firm matches buyers with wholesale wholesale lenders for conventional, FHA, VA, and non-QM investor (DSCR) products. Brokers guide clients through document packaging to ensure swift underwriting approval and title settlement.

NMLS #1951590

470 James St, Suite 007, New Haven, CT 06513

(203) 903-4400 | https://start.mortgage

NORTH HAVEN

ION BANK – NORTH HAVEN FINANCIAL CENTER

Ion Bank delivers relationship-focused residential purchase loans, conventional fixed/ARM mortgages, and home equity solutions in North Haven and Montowese. Originators assist buyers with zero-to-low down payment programs, professional doctor loans, and streamlined refinancing. All loan decisions are rendered by regional underwriters to keep transactions on schedule through settlement.

NMLS #469908

5 Stephen Pkwy, North Haven, CT 06473

(203) 234-9721 | https://www.ionbank.com

ORANGE

WEBSTER BANK – ORANGE REGIONAL LENDING

Webster Bank provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across the Route 1 and Boston Post Road corridor in Orange. Their lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options. Regional underwriting ensures responsive processing aligned with local purchase contracts.

NMLS #2826

247 Boston Post Rd, Orange, CT 06477

(203) 795-3500 | https://www.websterbank.com

WALLINGFORD

LIBERTY BANK – WALLINGFORD COLONY CENTER

Liberty Bank delivers mutual community banking, residential portfolio lending, and purchase pre-approvals across Wallingford, Yalesville, and Central CT. The branch provides conventional agency loans, CHFA down payment assistance, and home equity lines for property improvements. Local operations staff ensure responsive processing aligned with closing deadlines.

NMLS #459016

909 N Colony Rd, Wallingford, CT 06492

(203) 303-6186 | https://www.liberty-bank.com

CROSSCOUNTRY MORTGAGE – WALLINGFORD BRANCH

CrossCountry Mortgage delivers direct residential loan origination, same-day pre-approvals, and purchase financing across Wallingford and Northern New Haven County. The team handles conventional Fannie/Freddie loans, FHA/VA government options, jumbo financing, and investor cash-flow loans. Their processing team coordinates title commitments directly with area closing lawyers.

NMLS #3029

6 N Main St, Wallingford, CT 06492

(203) 284-8800 | https://crosscountrymortgage.com

WATERBURY

THOMASTON SAVINGS BANK – WATERBURY HIGHLAND HUB

Thomaston Savings Bank delivers mutual community bank lending, down payment assistance grants, and flexible residential mortgages across Greater Waterbury and the Naugatuck Valley. Their residential team provides CHFA first-time homebuyer loans, FHA/VA government options, and affordable multi-family 2-4 unit purchase products. Local decision-making keeps transactions on schedule through settlement.

NMLS #469913

824 Highland Ave, Waterbury, CT 06708

(203) 755-1422 | https://www.thomastonsavingsbank.com

ION BANK – WATERBURY MAIN LENDING CENTER

Ion Bank provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions throughout Waterbury, East End, and Bunker Hill. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines. Their local processing infrastructure coordinates directly with regional title examiners to streamline the escrow settlement workflow.

NMLS #469908

3670 E Main St / 910 Wolcott St, Waterbury, CT 06705

(203) 729-4442 | https://www.ionbank.com

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

New London County Directory Navigation:

NEW LONDON COUNTY REAL ESTATE MORTGAGE DIRECTORY

COLCHESTER

DIME BANK – COLCHESTER BRANCH

Dime Bank delivers community-focused portfolio lending, CHFA first-time homebuyer financing, and flexible residential mortgages across Colchester and Northwestern New London County. The mutual institution provides conventional fixed-rate options, home construction-to-permanent financing, and tailored home equity lines of credit. Local loan officers and regional processing teams coordinate directly with area settlement counsel to ensure on-time closing performance.

NMLS #493990

139 S Main St, Colchester, CT 06415

(860) 537-0100 | https://www.dime-bank.com

LIBERTY BANK – COLCHESTER FINANCIAL CENTER

Liberty Bank delivers retail residential mortgage lending, low-down-payment purchase programs, and USDA rural home financing across Colchester and surrounding rural communities. Their originators specialize in CHFA grants, conventional conforming loans, and home equity solutions for property improvements. In-house underwriting provides direct accountability from pre-approval through deed recording.

NMLS #459016

4 North Rd, Colchester, CT 06415

(860) 537-4661 | https://www.liberty-bank.com

EAST LYME / NIANTIC

CHELSEA GROTON BANK – NIANTIC FINANCIAL CENTER

Chelsea Groton Bank provides specialized coastal lending, shoreline jumbo mortgages, and customized purchase underwriting throughout Niantic, East Lyme, and Black Point. Their lending team structures bi-weekly mortgages, renovation packages, bridge loans for move-up buyers, and land acquisition debt. Localized credit decisions and in-house servicing ensure seamless escrow coordination and timely contract contingency clearance.

NMLS #402928

21 Pennsylvania Ave, Niantic, CT 06357

(860) 448-4282 | https://chelseagroton.com/niantic-branch/

DIME BANK – EAST LYME BRANCH

Dime Bank delivers mutual community bank portfolio lending, residential purchase mortgages, and flexible home equity products along the Flanders Road corridor in East Lyme. Originators assist first-time and shoreline buyers with fixed-rate mortgages, FHA/VA options, and custom construction loans. Their local processing infrastructure collaborates directly with regional conveyancers throughout the settlement process.

NMLS #493990

182 Flanders Rd, Niantic, CT 06357

(860) 739-3100 | https://www.dime-bank.com

GROTON

CHELSEA GROTON BANK – CORPORATE HEADQUARTERS & LENDING DIVISION

Chelsea Groton Bank operates its corporate headquarters and primary mortgage division in Groton, serving as one of Eastern Connecticut’s largest mutual community lenders. The institution delivers conventional agency financing, CHFA down payment assistance programs, VA military mortgages for naval base personnel, and custom jumbo loans. In-house underwriting, secondary marketing, and direct servicing ensure stability throughout the life of the loan.

NMLS #402928

904 Poquonnock Rd, Groton, CT 06340

(860) 448-4200 | https://chelseagroton.com

NAVY FEDERAL CREDIT UNION – GROTON BRANCH

Navy Federal Credit Union provides dedicated military home financing, 100% financing VA purchase loans, and low-down-payment conventional mortgages for active-duty servicemembers, veterans, and defense personnel in Groton and Sub Base New London. Their mortgage advisors specialize in zero-down purchase loans, interest rate reduction refinancing (IRRRL), and military relocation financing. Dedicated loan specialists manage closing timelines aligned with military PCS orders.

NMLS #399807

1074 Poquonnock Rd, Groton, CT 06340

(888) 842-6328 | https://www.navyfederal.org

LEDYARD

DIME BANK – LEDYARD BRANCH

Dime Bank delivers relationship-focused residential purchase loans, conventional fixed/ARM mortgages, and home equity solutions across Ledyard, Gales Ferry, and the Thames River corridor. Originators assist buyers with zero-to-low down payment programs, CHFA assistance, and land purchase packages. All loan decisions are rendered by regional underwriters to keep transactions on schedule through settlement.

NMLS #493990

743 Colonel Ledyard Hwy, Ledyard, CT 06339

(860) 464-1200 | https://www.dime-bank.com

MYSTIC

WASHINGTON TRUST MORTGAGE – MYSTIC BRANCH

Washington Trust delivers premier coastal lending, relationship-discount jumbo financing, and customized portfolio mortgages for luxury homes and historic properties throughout Mystic and Mason’s Island. Their loan officers specialize in complex asset-depletion qualification, high-net-worth portfolio structures, and waterfront construction-to-permanent loans. Originators collaborate with regional real estate law practices to ensure smooth escrow transactions.

NMLS #414726

14 Clara Dr, Mystic, CT 06355

(860) 572-2058 | https://www.washtrust.com

CHELSEA GROTON BANK – MYSTIC FINANCIAL CENTER

Chelsea Groton Bank’s historic downtown Mystic branch delivers residential mortgage advisory, personalized rate locks, and purchase financing along the Mystic River corridor. The institution specializes in conventional conforming loans, waterfront property portfolio products, and bridge financing for move-up buyers. Their senior loan advisors emphasize transparent fee structures and hands-on settlement execution.

NMLS #402928

2 Water St, Mystic, CT 06355

(860) 572-4012 | https://chelseagroton.com/mystic-branch/

NEW LONDON

HOMESTEAD FUNDING CORP. – NEW LONDON REGIONAL BRANCH

Homestead Funding Corp. delivers direct residential loan origination, rapid digital pre-approvals, and purchase financing across New London and surrounding coastal markets. The team handles conventional Fannie/Freddie loans, CHFA first-time homebuyer programs, FHA/VA government options, and multi-family 2-4 unit investor financing. Their local processing infrastructure ensures rapid underwriting and on-time contingency clearance.

Branch NMLS #1705305

8 Union St, New London, CT 06320

(860) 444-5560 | https://www.homesteadfunding.com/branch-pages/new-london-ct

CHELSEA GROTON BANK – NEW LONDON FINANCIAL CENTER

Chelsea Groton Bank provides full-service residential mortgage originations, low-down-payment purchase programs, and government-backed lending solutions throughout the New London metro. The branch specializes in CRA-eligible lending programs, FHA/VA purchase loans, and conventional single-to-four-family financing. Their advisors work alongside local housing agencies and real estate counsel to structure compliant purchase transactions.

NMLS #402928

One Montauk Ave, New London, CT 06320

(860) 448-4222 | https://chelseagroton.com

NORWICH

DIME BANK – CORPORATE HEADQUARTERS & MORTGAGE CENTER

Dime Bank operates its corporate headquarters and central mortgage lending division on Salem Turnpike in Norwich, providing community-focused residential financing across Eastern Connecticut. The mutual bank provides conventional fixed-rate purchase financing, CHFA down payment grants, customized portfolio products, and home equity lines of credit. Local credit committees ensure fast loan decisions and dependable settlement dates.

NMLS #493990

290 Salem Tpke, Norwich, CT 06360

(860) 859-4300 | https://www.dime-bank.com

COREPLUS CREDIT UNION – NORWICH HEADQUARTERS

CorePlus Credit Union delivers member-focused residential portfolio lending, first-time homebuyer solutions, and competitive fixed-rate mortgages throughout Norwich and New London County. The credit union provides FHA/VA purchase options, zero-down USDA rural loans, vacant land loans up to $500k, and tailored home equity credit lines. In-house mortgage specialists manage processing locally to maintain swift closing timelines.

NMLS #1739761

202 Salem Tpke, Norwich, CT 06360

(860) 886-0576 | https://www.coreplus.org

EASTERN CONNECTICUT SAVINGS BANK – NORWICH MAIN OFFICE

Eastern Connecticut Savings Bank (a division of Ascend Bank) delivers mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals across Greater Norwich. Their residential lending team structures land loans, new construction financing, bridge loans, and customized portfolio products. All credit decisions and servicing operations remain localized to support smooth settlement coordination.

NMLS #469910

257 Main St, Norwich, CT 06360

(860) 889-7381 | https://ascend.bank

OLD LYME

LIBERTY BANK – OLD LYME BRANCH

Liberty Bank delivers mutual community banking, residential portfolio lending, and construction loans across Old Lyme, Lyme, and the mouth of the Connecticut River. Their lending group provides local underwriting for historic district properties, custom coastal home construction, jumbo mortgages, and first-time buyer CHFA programs. Originators emphasize relationship lending and localized settlement coordination with area attorneys.

NMLS #459016

103 Halls Rd, Old Lyme, CT 06371

(860) 434-1646 | https://www.liberty-bank.com

STONINGTON / PAWCATUCK

CHELSEA GROTON BANK – PAWCATUCK BRANCH

Chelsea Groton Bank provides relationship-focused residential purchase loans, shoreline property portfolio products, and home equity lines along the Pawcatuck and Stonington border. Originators assist buyers with fixed-rate mortgages, jumbo financing for coastal residences, and construction loans. Their local processing infrastructure coordinates directly with regional title examiners to streamline closing preparation.

NMLS #402928

39 W Broad St, Pawcatuck, CT 06379

(860) 448-4290 | https://chelseagroton.com

DIME BANK – STONINGTON BOROUGH BRANCH

Dime Bank delivers dedicated mutual community bank lending, historic home purchase mortgages, and coastal jumbo financing throughout Stonington Borough and Lord’s Point. The branch provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and home equity credit lines. Local underwriting ensures dependable loan commitments and coordinated closings.

NMLS #493990

Water Street Corridor, Stonington, CT 06378

(860) 535-0100 | https://www.dime-bank.com

WATERFORD

CHELSEA GROTON BANK – WATERFORD FINANCIAL CENTER

Chelsea Groton Bank provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Waterford and Quaker Hill. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines. Their local processing infrastructure coordinates directly with regional title examiners to streamline the escrow settlement workflow.

NMLS #402928

157 Boston Post Rd, Waterford, CT 06385

(860) 448-4270 | https://chelseagroton.com

CONNECTICUT REAL ESTATE MORTGAGE LENDER DIRECTORY

Tolland & Windham Counties Navigation:

TOLLAND COUNTY REAL ESTATE MORTGAGE DIRECTORY

COVENTRY

LIBERTY BANK – COVENTRY FINANCIAL CENTER

Liberty Bank delivers mutual community bank lending, lakefront home portfolio loans, and USDA rural home financing across Coventry and the Coventry Lake region. The institution provides conventional fixed-rate terms, flexible home equity lines, customized construction-to-permanent loans, and CHFA first-time buyer grants. Local underwriting committees and processors ensure direct communication with area conveyancing attorneys through settlement.

NMLS #459016

3530 Main St, Coventry, CT 06238

(860) 742-7336 | https://www.liberty-bank.com

ELLINGTON

BERKSHIRE BANK – ELLINGTON FINANCIAL CENTER

Berkshire Bank provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Ellington and Northern Tolland County. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines. Their local processing infrastructure coordinates directly with regional title examiners to streamline the escrow settlement workflow.

NMLS #406082

141 Main St, Ellington, CT 06029

(860) 871-1554 | https://www.berkshirebank.com

MANSFIELD / STORRS

ASCEND BANK (FORMERLY EASTERN CONNECTICUT SAVINGS BANK) – STORRS BRANCH

Ascend Bank delivers mutual community lending, residential portfolio mortgages, and faculty/staff purchase programs across Mansfield, Storrs, and the UConn campus perimeter. Their lending group structures conventional agency mortgages, FHA/VA options, multi-family student rentals, and custom construction packages. In-house processing ensures dependable credit commitments and coordinated closing timelines.

NMLS #469910

Storrs Road Financial Center, Storrs, CT 06268

(860) 889-7381 | https://ascend.bank

LIBERTY BANK – MANSFIELD FINANCIAL CENTER

Liberty Bank delivers retail residential mortgage lending, low-down-payment purchase programs, and USDA rural home financing across Mansfield Center and Southern Tolland County. Their originators specialize in CHFA grants, conventional conforming loans, and home equity solutions for property improvements. In-house underwriting provides direct accountability from pre-approval through deed recording.

NMLS #459016

1134 Storrs Rd, Storrs Mansfield, CT 06268

(860) 429-9304 | https://www.liberty-bank.com

STAFFORD / STAFFORD SPRINGS

MONSON SAVINGS BANK – STAFFORD SPRINGS LENDING CENTER

Monson Savings Bank provides border-region mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals across Stafford Springs and Northern CT. Their residential team provides CHFA first-time homebuyer loans, USDA zero-down rural options, and specialized single-family renovation packages. Local decision-making and in-house servicing keep transactions on schedule through settlement.

NMLS #406064

Main Street Corridor, Stafford Springs, CT 06076

(413) 267-4646 | https://www.monsonsavings.bank

TOLLAND

KEYBANK MORTGAGE – TOLLAND FINANCIAL CENTER

KeyBank provides comprehensive residential mortgage originations, jumbo financing, and medical professional loan programs for buyers in Tolland and along the I-84 corridor. Their loan officers structure purchase financing, high-balance conforming debt, and custom refinancing options tailored to complex compensation structures. Regional loan processors maintain direct contact with local real estate attorneys throughout the transaction lifecycle.

NMLS #399797

Fieldstone Commons, Tolland, CT 06084

(860) 870-0700 | https://www.key.com

VERNON / ROCKVILLE

BERKSHIRE BANK – VERNON REGIONAL LENDING

Berkshire Bank operates a major regional lending hub in Vernon, delivering full-service residential origination, automated underwriting, and competitive purchase financing across Central Tolland County. The institution specializes in CHFA first-time homebuyer options, VA/FHA loans, jumbo financing, and portfolio renovation programs. In-house processing, underwriting, and closing teams deliver end-to-end control over transaction milestones.

NMLS #406082

25 Tolland Tpke, Vernon, CT 06066

(860) 871-3000 | https://www.berkshirebank.com

NEW ENGLAND HOME MORTGAGE – VERNON LENDING DIVISION

New England Home Mortgage is an independent brokerage delivering residential mortgage programs, rate-lock advisory, and purchase financing across Vernon, Rockville, and Manchester. The firm structures conventional fixed-rate options, FHA/VA loans, and cash-out refinancing packages through a wide network of wholesale lenders. Brokers manage file processing closely to satisfy appraisal requirements and closing deadlines.

NMLS #108518

Vernon Corridor Line, Vernon, CT 06066

(860) 621-6462 | https://www.nehomemortgage.com

WINDHAM COUNTY REAL ESTATE MORTGAGE DIRECTORY

BROOKLYN

CENTREVILLE BANK (FORMERLY PUTNAM BANK) – BROOKLYN FINANCIAL CENTER

Centreville Bank delivers relationship-focused residential purchase loans, rural property packages, and home equity lines across Brooklyn and Central Windham County. Originators assist buyers with fixed-rate mortgages, USDA zero-down financing for country homes, and new construction loans. Their local processing infrastructure coordinates directly with regional title examiners to streamline closing preparation.

NMLS #440572

Route 6 Corridor, Brooklyn, CT 06234

(860) 774-8501 | https://www.centrevillebank.com

KILLINGLY / DANIELSON

CENTREVILLE BANK (FORMERLY PUTNAM BANK) – DANIELSON BRANCH

Centreville Bank delivers mutual community bank lending, low-down-payment purchase loans, and home equity solutions across Danielson, Killingly, and the Quinebaug River Valley. Their lending division provides competitive conventional fixed-rate options, CHFA programs, home renovation loans, and portfolio financing for multi-family properties. Credit decisions are made locally to ensure smooth contingency clearance and closing execution.

NMLS #440572

125 Main St, Danielson, CT 06239

(860) 774-7221 | https://www.centrevillebank.com

COREPLUS CREDIT UNION – DANIELSON BRANCH

CorePlus Credit Union delivers member-focused residential portfolio lending, first-time homebuyer solutions, and competitive fixed-rate mortgages throughout Danielson and Northern Windham County. The credit union provides FHA/VA purchase options, zero-down USDA rural loans, vacant land loans up to $500k, and tailored home equity credit lines. In-house mortgage specialists manage processing locally to maintain swift closing timelines.

NMLS #1739761

Wauregan Rd Financial Center, Danielson, CT 06239

(860) 774-1234 | https://www.coreplus.org

PLAINFIELD

CENTREVILLE BANK – PLAINFIELD REGIONAL LENDING

Centreville Bank provides retail mortgage originations, USDA rural development loans, and conventional purchase financing across Plainfield, Moosup, and Southern Windham County. Their residential originators guide buyers through government-insured loan options, CHFA programs, and private well/septic property guidelines. The lending team collaborates with regional title practices to execute smooth transactions.

NMLS #440572

Main Street Financial Center, Plainfield, CT 06374

(860) 564-0010 | https://www.centrevillebank.com

PUTNAM

CENTREVILLE BANK (FORMERLY PUTNAM BANK) – PUTNAM HISTORIC HEADQUARTERS

Centreville Bank operates its primary Eastern Connecticut administrative and mortgage lending center in historic downtown Putnam, providing community-oriented residential financing across the Quiet Corner. The team originates conventional fixed-rate purchase loans, rural property packages, home construction mortgages, and municipal employee programs. In-house lending committees deliver reliable credit decisions and seamless title disbursements.

NMLS #440572

40 Main St, Putnam, CT 06260

(860) 928-6501 | https://www.centrevillebank.com/About/Get-In-Touch/Branches/Putnam-CT

CITIZENS BANK MORTGAGE – PUTNAM FINANCIAL CENTER

Citizens Bank delivers full-service residential mortgage origination, low-down-payment purchase programs, and government-backed lending solutions throughout Putnam and Northern Windham County. The branch specializes in conventional conforming loans, doctor loan programs, and home equity lines of credit. Their originators maintain high-touch communication with buyers and legal counsel throughout the escrow period.

NMLS #433964

171 Providence St, Putnam, CT 06260

(860) 928-7921 | https://www.citizensbank.com

WINDHAM / WILLIMANTIC

BERKSHIRE BANK (FORMERLY SAVINGS INSTITUTE) – WILLIMANTIC MAIN OFFICE

Berkshire Bank operates a major regional mortgage center in historic Willimantic, delivering dedicated mutual-style community lending, residential purchase mortgages, and land acquisition financing. The institution provides conventional fixed and adjustable loans, CHFA first-time homebuyer programs, bridge financing for move-up buyers, and home equity credit lines. Local underwriting ensures dependable loan commitments and coordinated closings with area settlement counsel.

NMLS #406082

803 Main St, Willimantic, CT 06226

(860) 423-4581 | https://www.berkshirebank.com

ASCEND BANK – WILLIMANTIC FINANCIAL CENTER

Ascend Bank delivers community portfolio lending, USDA rural home financing, and customized purchase underwriting across Willimantic, Windham, and Columbia. The lending team structures renovation packages, bridge loans for move-up buyers, and tailored solutions for self-employed borrowers. Credit decisions are made locally to streamline underwriting timelines and support smooth closings.

NMLS #469910

Main Street Corridor, Willimantic, CT 06226

(860) 889-7381 | https://ascend.bank

WOODSTOCK

CENTREVILLE BANK – WOODSTOCK FINANCIAL CENTER

Centreville Bank delivers portfolio residential mortgages, custom acreage parcel financing, and home equity credit lines across Woodstock, Eastford, and Pomfret. The lending group specializes in historic district purchase loans, country estate debt, and bridge financing for transitional buyers. Originators work directly with area real estate law firms to streamline the appraisal and title settlement process.

NMLS #440572

Route 169 Corridor, Woodstock, CT 06281

(860) 928-1110 | https://www.centrevillebank.com