Who has the best mortgage rates in Connecticut?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in CT
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in CT likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 44 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in CT
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
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We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Let’s talk about home buying in Connecticut
Connecticut is known for its scenic New England charm—and its high cost of living, especially when it comes to housing. Over the past five years, mortgage rates in Connecticut have generally followed national trends, but with the added burden of higher property taxes and more expensive home prices.
In 2019, mortgage rates for a 30-year fixed loan were around 4%, which was considered reasonable at the time. Then the pandemic hit in 2020, and rates dropped significantly. By mid-2020, they had fallen to between 2.5% and 3%—some of the lowest levels in history. Many Connecticut buyers took advantage of these rates, particularly because home prices in the state tend to be above the national average.
However, the period of low interest rates didn’t last. In 2022, rising inflation prompted the Federal Reserve to increase interest rates, which led to mortgage rates climbing to around 5% to 6%. By 2023, rates were hovering between 6% and 7%, making it more challenging for buyers to afford homes.
Adding to the challenge, Connecticut is known for its high property taxes, and housing in areas like Fairfield County remains expensive due to their proximity to New York City. Even if mortgage rates are similar to those in other states, the overall cost of homeownership in Connecticut can feel significantly higher.
Now, as interest rates begin to decline again, buyers in Connecticut still face the "double hit" of elevated home prices and taxes. If you’re considering buying a home in Connecticut, it’s important to watch interest rates closely and be prepared to act when the timing is right.