Connecticut · Q1 2026
What Connecticut borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 422 lenders.
Published 2026-04-29.
Connecticut · headline
The gap between Connecticut's lowest- and highest-cost ranked lenders in 2025 was $5,882 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 161% more than borrowers using Liberty Bank on similar loans.
Source: FFIEC HMDA 2025 (n=44,764)
In 2025, 422 mortgage lenders originated 44,764 reportable loans in Connecticut according to FFIEC HMDA data. The median borrower paid $6,349 in total loan costs. That is 49.7% above the national median across all 50 states and DC.
Connecticut's median total loan cost was $6,349, 49.7% above the national median of $4,242. On a typical loan, that translates to roughly $2,107 more than borrowers paid in the average state.
Liberty Bank posted the lowest median total loan costs at $3,662, 42.3% below the Connecticut median. Across the ranked lenders, 9 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Connecticut are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,198 | $3,045 | 4,498 | A |
| 2 | Total Mortgage Services, LLC | $5,801 | $1,690 | 3,201 | A |
| 3 | United Wholesale Mortgage | $9,544 | $4,680 | 2,754 | F |
| 4 | First World Mortgage Corporation | $5,189 | $1,295 | 1,963 | A |
| 5 | Liberty Bank | $3,662 | $575 | 1,159 | A |
| 6 | CrossCountry Mortgage | $6,736 | $1,690 | 1,098 | B |
| 7 | Movement Mortgage | $5,165 | $1,595 | 1,071 | A |
| 8 | JPMorgan Chase Bank, N.A. | $5,775 | $2,202 | 1,006 | A |
| 9 | U.S. Bank National Association | $6,625 | $1,245 | 958 | B |
| 10 | Newrez | $5,802 | $2,789 | 821 | A |
Connecticut median total loan cost
Connecticut borrowers paid a median $6,349 in total loan costs in 2025, based on 44,764 HMDA-reported loans across 422 lenders.
FFIEC HMDA 2025
Lender spread in Connecticut
In Connecticut, the gap between Liberty Bank ($3,662 median) and United Wholesale Mortgage ($9,544 median) was $5,882 on a typical 2025 loan.
FFIEC HMDA 2025
Connecticut vs. national
Connecticut closing costs ran 49.7% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Connecticut was $1,898, with the typical lender clustering tightly around that figure. Discount points appeared on 46% of loans, with a median paid amount of $2,328 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 28% of loans, with a median credit of $500.
Avg $4,159
Median $2,328 when present
Median $500 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Connecticut) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Connecticut
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