Total Mortgage Services · Connecticut · 2025

Total Mortgage Services in Connecticut: approval rate, denial rate and rates (2025)

Total Mortgage Services took 4,219 mortgage applications in Connecticut in 2025, ranking #5 of 687 lenders active in the state. It originated 78.2% of them and denied 4.5% (5.4% of the applications it decided), against a statewide denial rate of 17.4%.

4.2kApplicationsin CT
5.4%Decision denial ratestate 21.6%
6.63%Median ratestate 6.63%
$295,000Median loanstate $245,000
$972MVolume9 counties

Total Mortgage Services in Connecticut vs the state

4.5%Denial rate-12.92 pts vs state
5.4%Decision denial rate-16.22 pts vs state
78.2%Origination rate+17.81 pts vs state
6.63%Median rate0.00 pts vs state
0.23Rate spread (pts)0.00 pts vs state
$100kMedian applicant income
3,299Loans originated
189Denied

Trend in Connecticut

YearApplicationsOriginatedDenial rateMedian rateRank in state
20233,4192,5636.1%6.63%#4
20243,9543,0915.7%6.63%#4
20254,2193,2994.5%6.63%#5

What Total Mortgage Services lends in Connecticut

By loan purpose

Home purchase 3,716 88% · 4.5% denied
Refinance 118 3% · 0.9% denied
Cash-out refinance 287 7% · 7.3% denied
Home improvement 61 1% · 0.0% denied
Other / HELOC 37 1% · 0.0% denied

By loan type

Conventional 3,502 83% · 4.1% denied
FHA 612 15% · 7.4% denied
VA 99 2% · 1.0% denied
USDA / RHS 6 0% · 0.0% denied

Why it denied Connecticut applicants

Collateral 56 30%
Debt-to-income ratio 42 22%
Other 39 21%
Credit history 33 17%
Insufficient cash 11 6%
Employment history 5 3%
Unverifiable information 3 2%

Where in Connecticut

Counties with the most Total Mortgage Services applications in 2025.

CountyApplicationsOriginatedDeniedDenial rate
09110 1,08186835 3.2%
09170 71253840 5.6%
09140 68550452 7.6%
09190 54143620 3.7%
09120 38730119 4.9%
09180 29523010 3.4%
09130 2351905 2.1%
09160 2181896 2.8%
09150 64432 3.1%

Other large lenders in Connecticut

LenderGradeApplicationsDenial rateMedian rate
Rocket MortgageC 6,04316.5%6.75%
Citizens BankC 4,89526.2%7.40%
Bank of AmericaF 4,59132.1%6.00%
United Shore Financial ServicesB 4,23913.7%6.50%
Manufacturers and Traders TrustC 4,03031.8%5.99%
Liberty BankA 3,5139.5%5.99%
Webster BankC 2,76221.9%6.74%
NewrezD 2,55621.8%6.88%
AMERICAN EAGLE FINANCIAL Credit UnionD 2,46318.9%7.75%
First World MortgageA 2,3323.5%6.49%

Frequently asked questions

Connecticut: 4,219 applications in 2025, of which 3,299 were originated and 189 denied.

4.5% of all applications, or 5.4% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.

The median rate on loans Total Mortgage Services originated in Connecticut in 2025 was 6.63%, against a statewide median of 6.63%.

About this data. Figures are Total Mortgage Services's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology