Naugatuck Valley Planning Region
Connecticut · FIPS 09140
According to CFPB HMDA 2024 application volume among U.S. counties, Naugatuck Valley Planning Region ranks #175 of 3,223, and #4 of 9 in Connecticut.
Mortgage lending activity in Naugatuck 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. Naugatuck Valley Planning Region, Connecticut lenders denied 2,959 of the applications reported here, financing the rest at an average note rate of 6.99%, with applicants self-reporting average annual income of $39K. 330 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 Naugatuck Valley Planning Region
In Naugatuck Valley Planning Region, lead originator Rocket Mortgage funded only 6.2% of 8,800 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Naugatuck Valley Planning Region's 16,030 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Naugatuck Valley Planning Region's $239,581 average loan (deduped against volume peers).
Lenders active in Naugatuck Valley Planning Region
Rocket Mortgage funded 542 of the 8,800 loans originated in Naugatuck Valley Planning Region, 6.2% of the county. 330 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 542 | 6.2% |
| 2 | Total Mortgage Services, LLC | 540 | 6.1% |
| 3 | Thomaston Savings Bank | 404 | 4.6% |
| 4 | Sikorksy Financial Credit Union | 331 | 3.8% |
| 5 | United Wholesale Mortgage | 323 | 3.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Naugatuck 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 Naugatuck 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.