Mortgage companies doing business in Connecticut must hold a state license, and each loan officer needs an individual NMLS registration. These non-bank lenders handle a large share of home loans, often selling them after closing while you continue paying a servicer. Understanding the difference between retail and wholesale channels, and who will service your loan, helps you choose with confidence. Select a city below for local information on working with a mortgage company.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Mortgage lenders, brokers and loan originators serving Connecticut are licensed by the Connecticut Department of Banking, Consumer Credit Division. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.
Where mortgage companies activity is highest in Connecticut
| County | loans originated (2024 HMDA) |
|---|---|
| the Capitol Planning Region | 17,513 |
| the Western Connecticut Planning Region | 9,467 |
| the South Central Connecticut Planning Region | 8,859 |
| the Naugatuck Valley Planning Region | 8,178 |
| the Southeastern Connecticut Planning Region | 5,385 |
| the Greater Bridgeport Planning Region | 4,558 |
| the Lower Connecticut River Valley Planning Region | 3,788 |
| the Northwest Hills Planning Region | 2,234 |
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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Mortgage Companies by city in Connecticut
- Ansonia
- Branford Center
- Bridgeport
- Bristol
- Cheshire Village
- Conning Towers Nautilus Park
- Cos Cob
- Danbury
- Derby
- Glastonbury Center
- Hartford
- Jewett City
- Kensington
- Meriden
- Middletown
- Milford
- Milford city
- Naugatuck
- New Britain
- New Haven
- New London
- Norwalk
- Norwich
- Oakville
- Old Greenwich
- Pawcatuck
- Riverside
- Rockville
- Shelton
- Sherwood Manor
- Simsbury Center
- Southwood Acres
- Stafford Springs
- Stamford
- Storrs
- Terryville
- Thompsonville
- Torrington
- Wallingford Center
- Waterbury
- West Haven
- Willimantic
- Winsted
Common questions
What is a mortgage company?
A mortgage company is a non-bank business that originates home loans. It does not take deposits like a bank or credit union. Most mortgage companies fund loans using short-term credit lines and then sell the loans to investors. They must be licensed in each state where they lend, and their loan officers must hold individual licenses as well.
Can a mortgage company offer FHA, VA and USDA loans?
Many can. A company must be approved by the relevant agency or work with an approved investor to offer government-backed loans. Ask which programs the company offers directly. Programs vary by borrower, property and investor, and every loan is subject to credit approval, so the company will need to review your situation before discussing which options may fit.
Is a mortgage company regulated like a bank?
Mortgage companies follow the same federal consumer protection rules as banks for disclosures, fair lending and servicing. Instead of a bank charter, they are licensed by state regulators, typically a state banking or financial services department. The Consumer Financial Protection Bureau also has authority over non-bank mortgage companies. You can view licensing details on NMLS Consumer Access.
Related guides
- How to Choose a Mortgage Lender
- The Loan Estimate and Closing Disclosure, Explained
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Connecticut
Mortgage Companies overview · Connecticut mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025