Mortgage Lenders and Brokers in Waterford, Connecticut
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Waterford, Connecticut mortgage lenders include Charter Oak Federal Credit UnionCharter Oak Federal Credit Union3 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 1.98%, Chelsea Groton BankChelsea Groton Bank157 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 2.28%, Citizens Bank, NACitizens Bank, NA117 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 5.44%, M&T BankM&T Bank124 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 4.11%, Liberty BankLiberty Bank165 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 1.90%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA205 W Main St, Avon, CT 06001A+5.0 ★Texas Ratio: 3.68%, CorePlus Federal Credit UnionCorePlus Federal Credit Union40 Boston Post Rd, Waterford, CT 06385A+5.0 ★Texas Ratio: 2.59%, Dime BankDime Bank139 S Main St, Colchester, CT 06415A+5.0 ★Texas Ratio: 1.37%, Scient Federal Credit UnionScient Federal Credit Union60 Colver Ave, Groton, CT 06340 3808, and Total Mortgage Services, LLCTotal Mortgage Services, LLCMilford, CT. 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 Waterford, Connecticut in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waterford 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 Waterford, Connecticut
Market share is the lender's share of all home loans closed in Waterford, 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 |
|---|---|---|---|---|---|---|
|
3 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 1.98% |
Conventional, HELOC | 6 +1 HELOCs |
7% | 100% | $73,333 | View |
|
1 office in Waterford 157 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 2.28% |
Conventional | 6 | 7% | 100% | $183,333 | View |
|
1 office in Waterford 117 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +9 HELOCs |
2.3% | 66.7% | $245,000 | View |
|
2 offices in Waterford 124 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 1 +4 HELOCs |
1.2% | 50% | $265,000 | View |
|
★ 5 stars, 2 reviews 165 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 1.90% |
Conventional, HELOC | 2 +2 HELOCs |
2.3% | 100% | $100,000 | View |
|
205 W Main St, Avon, CT 06001 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 2.3% | 100% | $280,000 | View |
|
40 Boston Post Rd, Waterford, CT 06385 A+5.0 ★Texas Ratio: 2.59% |
Conventional | 2 | 2.3% | 33.3% | $150,000 | View |
|
139 S Main St, Colchester, CT 06415 A+5.0 ★Texas Ratio: 1.37% |
Conventional | 2 | 2.3% | 100% | $245,000 | View |
Scient Federal Credit Union
60 Colver Ave, Groton, CT 06340 3808 |
Conventional | 1 | 1.2% | 100% | $105,000 | |
Total Mortgage Services, LLC
|
Conventional | 3 | 3.5% | 100% | $158,333 | |
Norwich Commercial Group Inc
|
FHA | 1 | 1.2% | 100% | $245,000 | |
Prysma Lending Group, LLC
|
Conventional | 1 | 1.2% | 100% | $225,000 | |
William Raveis Mortgage, LLC
|
Conventional | 1 | 1.2% | 100% | $365,000 | |
Crosspoint Federal Credit Unio
|
Conventional | 1 | 1.2% | 100% | $145,000 | |
Homestead Funding Corp.
|
Conventional, FHA, VA | 9 | 10.5% | 100% | $260,555 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 9 | 10.5% | 90% | $232,777 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 6 | 7% | 54.5% | $370,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 3 | 3.5% | 100% | $275,000 | |
Freedom Mortgage Corporation
|
VA | 2 | 2.3% | 83.3% | $310,000 | |
Movement Mortgage, LLC
|
Conventional, FHA | 2 | 2.3% | 100% | $335,000 | |
Pennymac Loan Services LLC
|
Conventional, VA | 2 | 2.3% | 75% | $380,000 | |
Nationstar Mortgage
|
Conventional, FHA | 2 | 2.3% | 100% | $180,000 | |
Mortgage Research Center
|
VA | 2 | 2.3% | 50% | $275,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA | 2 | 2.3% | 75% | $160,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 1.2% | 100% | $215,000 | |
American Airlines Federal Cred
|
Conventional | 1 | 1.2% | 100% | $345,000 | |
Guaranteed Rate, Inc.
|
FHA | 1 | 1.2% | 100% | $275,000 | |
Rocket Mortgage
|
Conventional | 1 | 1.2% | 100% | $55,000 | |
Goodleap, LLC
|
Conventional | 1 | 1.2% | 100% | $355,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 1.2% | 100% | $265,000 | |
Envoy Mortgage, Ltd
|
Conventional | 1 | 1.2% | 100% | $295,000 | |
Nbkc Bank
|
VA | 1 | 1.2% | 100% | $515,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 1.2% | 100% | $65,000 | |
loanDepot.com LLC
|
Conventional | 1 | 1.2% | 100% | $255,000 | |
American Financial Network, Inc.
|
VA | 1 | 1.2% | 100% | $415,000 | |
Nfm, Inc
|
FHA | 1 | 1.2% | 100% | $305,000 | |
Nations Direct Mortgage, LLC
|
Conventional | 1 | 1.2% | 100% | $375,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 1.2% | 33.3% | $275,000 | |
Spring Eq, LLC
|
Conventional | 1 | 1.2% | 100% | $65,000 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional | 1 | 1.2% | 100% | $395,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a |
Waterford 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 Waterford, Connecticut
Looking for mortgage lenders near me or mortgage brokers near me in Waterford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waterford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waterford, CT
Use these to narrow the list above. Each category shows how many Waterford, CT lenders fit and what that kind of lender is usually best for.
Who Lends in Waterford, CT
Independent mortgage companies closed 58.1 percent of home loans in Waterford, Connecticut in 2025, banks 18.6 percent and credit unions 23.3 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, Charter Oak Federal Credit Union led with 6 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 Waterford, CT
By home loans closed in 2025, Charter Oak Federal Credit Union was the largest mortgage lender in Waterford, Connecticut with 6 loans, about 7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Waterford, Connecticut in 2025, led by Homestead Funding Corp. with 3. 8 lenders closed VA loans, led by Navy Federal Credit Union. 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. 7 banks and 6 credit unions closed home loans in Waterford, Connecticut in 2025, alongside 28 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 Waterford, 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 Waterford, 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 Waterford. 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.
