Mortgage lending in Waterbury-Shelton, CT
9,684 mortgages were originated in the Waterbury-Shelton, CT area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,684
- Median rate
- 6.740%
- Median lender fees
- $5,730
- Median loan amount
- $235,000
- Median spread over APOR
- 0.310
- Paid discount points
- 29.7%
- Received lender credits
- 15.4%
- Purchases / refinances
- 49.9% / 28.5%
- Conventional / FHA / VA
- 83.2% / 12.7% / 3.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Waterbury-Shelton, CT area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 617 | $5,301 | 6.875% |
| TOTAL MORTGAGE SERVICES, LLC | 504 | $5,774 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 399 | $9,976 | 6.499% |
| Thomaston Savings Bank | 378 | $3,068 | 7.125% |
| SIKORSKY FINANCIAL CREDIT UNION | 345 | — | 7.240% |
| Webster Bank, National Association | 324 | — | 6.740% |
| FIRST WORLD MORTGAGE CORPORATION | 322 | $5,003 | 6.490% |
| Liberty Bank | 298 | $3,624 | 5.990% |
| CMG MORTGAGE, INC. | 292 | $9,106 | 6.500% |
| Manufacturers and Traders Trust Company | 233 | — | 5.990% |