Lower Connecticut River Valley Planning Region
Connecticut · FIPS 09130
According to CFPB HMDA 2024 application volume among U.S. counties, Lower Connecticut River Valley Planning Region ranks #409 of 3,223, and #7 of 9 in Connecticut.
Mortgage lending activity in Lower Connecticut River Valley Planning Region, Connecticut based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Lower Connecticut River Valley Planning Region, Connecticut lenders denied 1,062 of the applications reported here, financing the rest at an average note rate of 7.01%, with applicants self-reporting average annual income of $37K. 253 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lower Connecticut River Valley Planning Region
In Lower Connecticut River Valley Planning Region, lead originator Liberty Bank funded 14.1% of 3,904 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lower Connecticut River Valley Planning Region's 6,732 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lower Connecticut River Valley Planning Region's $255,937 average loan (deduped against volume peers).
Lenders active in Lower Connecticut River Valley Planning Region
Liberty Bank funded 552 of the 3,904 loans originated in Lower Connecticut River Valley Planning Region, 14.1% of the county. 253 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Liberty Bank | 552 | 14.1% |
| 2 | CBNA Year to Date | 250 | 6.4% |
| 3 | Rocket Mortgage | 213 | 5.5% |
| 4 | Total Mortgage Services, LLC | 170 | 4.4% |
| 5 | United Wholesale Mortgage | 165 | 4.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Lower Connecticut River Valley Planning Region, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Lower Connecticut River Valley Planning Region borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.