Mortgage Approval and Denial Rates in Connecticut (2025 HMDA)
Mortgage denial rates in Connecticut: lenders acted on 122,480 mortgage applications in Connecticut in 2025 and denied 17.2% of them, down from 19.3% in 2024. The national denial rate was 17.7%.
Applications acted on
122,480
Loans originated
74,032
Denial rate
17.2%
Median loan
$245,000
Connecticut against the national picture
Most-reported denial reason in Connecticut: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Greater Bridgeport Planning Region | 10,265 | 20.4% | $275,000 |
| South Central Connecticut Planning Region | 18,063 | 18.2% | $245,000 |
| Naugatuck Valley Planning Region | 16,284 | 17.7% | $215,000 |
| Northwest Hills Planning Region | 4,133 | 17.1% | $215,000 |
| Northeastern Connecticut Planning Region | 4,268 | 17.0% | $235,000 |
| Southeastern Connecticut Planning Region | 10,358 | 16.7% | $225,000 |
| Capitol Planning Region | 32,982 | 16.6% | $215,000 |
| Western Connecticut Planning Region | 19,343 | 16.2% | $385,000 |
| Lower Connecticut River Valley Planning Region | 6,784 | 15.4% | $225,000 |
Find out what you'd be approved for in Connecticut
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.