Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Naugatuck Valley Planning Region, Connecticut
Every institution that decided a 1–4 unit mortgage application in Naugatuck Valley Planning Region, home to Waterbury, between 2023 and 2025: 21,112 applications, 16,145 loans actually funded, across 8 kinds of borrowing.
Naugatuck Valley Planning Region at a glance
21,112Applications decided
2023–2025
16,145Loans funded
76% of decisions
98Census tracts
28 ZIP codes
452,303People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Investment home improvement is the hardest money to get here: lenders approved 56% of 127 applications.
Lending by loan type in Naugatuck Valley Planning Region
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.3% | 9,996 | $285K | 97% | 308 |
| Home improvement loans | 63.4% | 2,869 | $95K | 95% | 108 |
| Cash-out refinance | 65.6% | 3,674 | $145K | 95% | 186 |
| Refinance | 77.4% | 2,652 | $155K | 94% | 169 |
| Investment property purchase | 86.7% | 1,014 | $255K | 96% | 174 |
| Investment cash-out refinance | 77.4% | 589 | $245K | 93% | 100 |
| Investment refinance | 75.9% | 191 | $305K | 98% | 66 |
| Investment home improvement | 55.9% | 127 | $105K | 94% | 37 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.