Southeastern Connecticut Planning Region
Connecticut · FIPS 09180
According to CFPB HMDA 2024 application volume among U.S. counties, Southeastern Connecticut Planning Region ranks #295 of 3,223, and #5 of 9 in Connecticut.
Mortgage lending activity in Southeastern Connecticut 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. Southeastern Connecticut Planning Region, Connecticut lenders denied 1,700 of the applications reported here, financing the rest at an average note rate of 6.99%, with applicants self-reporting average annual income of $38K. 287 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.4x, meaning typical borrowers took on mortgages of about 7.4 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 Southeastern Connecticut Planning Region
In Southeastern Connecticut Planning Region, lead originator Charter Oak Federal Credit Union funded only 8.2% of 5,688 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Southeastern Connecticut Planning Region's 10,084 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Southeastern Connecticut Planning Region's $279,947 average loan (deduped against volume peers).
Lenders active in Southeastern Connecticut Planning Region
Charter Oak Federal Credit Union funded 469 of the 5,688 loans originated in Southeastern Connecticut Planning Region, 8.2% of the county. 287 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Charter Oak Federal Credit Union | 469 | 8.2% |
| 2 | CBNA Year to Date | 315 | 5.5% |
| 3 | Navy Federal Credit Union | 294 | 5.2% |
| 4 | United Wholesale Mortgage | 265 | 4.7% |
| 5 | Total Mortgage Services, LLC | 261 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Southeastern Connecticut 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 Southeastern Connecticut 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.