Mortgage Lenders and Brokers in Niantic, Connecticut
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Niantic, Connecticut mortgage lenders include Chelsea Groton BankChelsea Groton Bank21 Pennsylvania Ave, Niantic, CT 06357A+5.0 ★Texas Ratio: 2.28%, Bank of America NABank of America NA25 Pennsylvania Ave, Niantic, CT 06357A+5.0 ★Texas Ratio: 4.14%, Charter Oak Federal Credit UnionCharter Oak Federal Credit Union335 Main St, Niantic, CT 06357A+5.0 ★Texas Ratio: 1.98%, Citizens Bank, NACitizens Bank, NA43 Pennsylvania Ave, Niantic, CT 06357A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA211 Main St, Ansonia, CT 06401A+5.0 ★Texas Ratio: 5.36%, Liberty BankLiberty Bank27 Dale Rd, Avon, CT 06001A+5.0 ★Texas Ratio: 1.90%, Dime BankDime Bank139 S Main St, Colchester, CT 06415A+5.0 ★Texas Ratio: 1.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA205 W Main St, Avon, CT 06001A+5.0 ★Texas Ratio: 3.68%, Newtown Savings BankNewtown Savings Bank211 Greenwood Ave, Bethel, CT 06801A+5.0 ★Texas Ratio: 3.03%, and Union Savings BankUnion Savings Bank24 Grassy Plain St, Bethel, CT 06801A+5.0 ★Texas Ratio: 2.11%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Niantic, Connecticut in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Niantic are listed first, then lenders elsewhere in Connecticut, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Niantic, Connecticut
Market share is the lender's share of all home loans closed in Niantic, Connecticut. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Niantic 21 Pennsylvania Ave, Niantic, CT 06357 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 7 | 6.5% | 90% | $212,142 | View |
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1 office in Niantic 25 Pennsylvania Ave, Niantic, CT 06357 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
4.7% | 100% | $489,000 | View |
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335 Main St, Niantic, CT 06357 A+5.0 ★Texas Ratio: 1.98% |
Conventional, HELOC | 10 +6 HELOCs |
9.3% | 90.9% | $286,000 | View |
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43 Pennsylvania Ave, Niantic, CT 06357 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 3 +27 HELOCs |
2.8% | 75% | $1,021,666 | View |
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211 Main St, Ansonia, CT 06401 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 2.8% | 100% | $485,000 | View |
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★ 5 stars, 2 reviews 27 Dale Rd, Avon, CT 06001 A+5.0 ★Texas Ratio: 1.90% |
Conventional, HELOC | 2 +10 HELOCs |
1.9% | 100% | $415,000 | View |
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139 S Main St, Colchester, CT 06415 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 2 | 1.9% | 100% | $520,000 | View |
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205 W Main St, Avon, CT 06001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.9% | 100% | $1,375,000 | View |
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211 Greenwood Ave, Bethel, CT 06801 A+5.0 ★Texas Ratio: 3.03% |
Conventional | 1 | 0.9% | 100% | $315,000 | View |
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24 Grassy Plain St, Bethel, CT 06801 A+5.0 ★Texas Ratio: 2.11% |
Conventional | 1 | 0.9% | 100% | $295,000 | View |
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232 W Main St, Avon, CT 06001 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.9% | 100% | $555,000 | View |
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61 N Main St, Branford, CT 06405 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.9% | 100% | $275,000 | View |
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75 Tremont St, Ansonia, CT 06401 A5.0 ★Texas Ratio: 10.40% |
Conventional, Jumbo | 1 | 0.9% | 100% | $2,805,000 | View |
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350 Salem Tpke, Bozrah, CT 06334 1518 A+5.0 ★Texas Ratio: 2.59% |
Conventional | 1 | 0.9% | 100% | $185,000 | View |
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125 Wauregan Rd, Danielson, CT 06239 A5.0 ★Texas Ratio: 10.15% |
Conventional | 1 | 0.9% | 100% | $505,000 | |
Scient Federal Credit Union
60 Colver Ave, Groton, CT 06340 3808 |
Conventional | 1 | 0.9% | 100% | $175,000 | |
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620 W Main St, Branford, CT 06405 3420 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 0.9% | 50% | $85,000 | View |
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248 Flanders Rd, Niantic, CT 06357 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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616 Burnside Ave, East Hartford, CT 06108 A+5.0 ★Texas Ratio: 5.15% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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427 W Avon Rd, Avon, CT 06001 2520 A+5.0 ★Texas Ratio: 3.67% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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255 W Main St, Avon, CT 06001 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Total Mortgage Services, LLC
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Conventional, VA, Jumbo | 5 | 4.7% | 83.3% | $759,000 | |
CSE Credit Union, Inc.
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Conventional | 1 | 0.9% | 100% | $25,000 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo | 9 | 8.4% | 81.8% | $323,888 | |
United Wholesale Mortgage
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Conventional, FHA | 6 | 5.6% | 100% | $340,000 | |
Homestead Funding Corp.
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Conventional, FHA | 6 | 5.6% | 100% | $360,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 4 | 3.7% | 100% | $392,500 | |
Newrez LLC
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Conventional, FHA | 3 | 2.8% | 100% | $201,666 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 2.8% | 100% | $201,666 | |
Fairway Independent Mort Corp
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Conventional | 3 | 2.8% | 100% | $385,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 1.9% | 66.7% | $250,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 2 | 1.9% | 100% | $235,000 | |
Nations Direct Mortgage, LLC
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Conventional, VA | 2 | 1.9% | 100% | $450,000 | |
PNC Bank N.A.
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Conventional, HELOC | 1 +2 HELOCs |
0.9% | 100% | $695,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 1 +1 HELOCs |
0.9% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.9% | 100% | $435,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.9% | 100% | $585,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.9% | 100% | $335,000 | |
Primelending
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Conventional | 1 | 0.9% | 100% | $105,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.9% | 50% | $345,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.9% | 100% | $375,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 0.9% | 100% | $735,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.9% | 100% | $545,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.9% | 100% | $255,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.9% | 100% | $685,000 | |
ClearEdge Lending LLC
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Conventional, Jumbo | 1 | 0.9% | 100% | $1,015,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.9% | 100% | $195,000 | View |
Washington Trust Mortgage Company LLC
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Conventional | 1 | 0.9% | 100% | $505,000 | |
Plains Commerce Bank
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Conventional | 1 | 0.9% | 100% | $185,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.9% | 100% | $325,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.9% | 100% | $295,000 | |
loanDepot.com LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Niantic Mortgage Rate Trends
Daily average mortgage rates for Connecticut compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Niantic, Connecticut
Looking for mortgage lenders near me or mortgage brokers near me in Niantic? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Niantic in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Niantic, CT
Use these to narrow the list above. Each category shows how many Niantic, CT lenders fit and what that kind of lender is usually best for.
Who Lends in Niantic, CT
Independent mortgage companies closed 52.3 percent of home loans in Niantic, Connecticut in 2025, banks 33.6 percent and credit unions 14 percent. Total Mortgage Services, LLC was the largest mortgage company, Chelsea Groton Bank the largest bank and Charter Oak Federal Credit Union the largest credit union. Among lenders headquartered in Connecticut, Chelsea Groton Bank led with 7 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in Connecticut. State conveyance tax of 0.75 percent up to $800,000, 1.25 percent on the portion from $800,000 to $2.5 million and 2.25 percent above that, plus a municipal tax of 0.25 percent (up to 0.5 percent in some towns); no mortgage recording tax.
More Connecticut Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Niantic, CT
By home loans closed in 2025, Chelsea Groton Bank was the largest mortgage lender in Niantic, Connecticut with 7 loans, about 6.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Niantic, Connecticut in 2025, led by Rocket Mortgage with 1. 4 lenders closed VA loans, led by Total Mortgage Services, LLC. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 8 credit unions closed home loans in Niantic, Connecticut in 2025, alongside 25 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Niantic, Connecticut during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Niantic, Connecticut for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Niantic. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
