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Licensed · Waterbury
Licensed & Insured Mortgage Brokers in Waterbury, CT
Every mortgage brokers listed here carries proper licensing and insurance in CT. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Waterbury, CT by verified customer ratings and review volume. The highest-rated is New England Residential Finance, LLC with a 4.9-star rating from 127 verified reviews. Also in the top tier: Our Family Mortgage and New England Home Mortgage LLC. The average rating across all listed mortgage brokers in Waterbury is 4.9 stars from 92 reviews per business on average.
Mortgage brokers in Waterbury: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
92
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
New England Residential Finance, LLC
415 Wolcott Rd UNIT 4, Wolcott, CT 06716, USA
Our Family Mortgage
67 Mariani Dr, Southington, CT 06489, USA
New England Home Mortgage LLC
37 W Center St Suite 208, Southington, CT 06489, USA
Mortgage Brokers Rankings in Waterbury, CT
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | New England Residential Finance, LLC415 Wolcott Rd UNIT 4, Wolcott, CT 06716, USA | 4.9★ | 127 |
| #2 | Our Family Mortgage67 Mariani Dr, Southington, CT 06489, USA | 5.0★ | 53 |
| #3 | New England Home Mortgage LLC37 W Center St Suite 208, Southington, CT 06489, USA | 4.9★ | 128 |
| #4 | Anchor Point Mortgage | Matt Kelleher, Mortgage Banker31 Liberty St #209, Southington, CT 06489, USA | 5.0★ | 91 |
| #5 | Anchor Point Mortgage Nate Pryzbek Loan Officer31 Liberty St #209, Southington, CT 06489, USA | 5.0★ | 98 |
| #6 | Pioneer Mortgage LLC2508 Whitney Ave # A, Hamden, CT 06518, USA | 5.0★ | 1 |
| #7 | Atlantic Home Loans2751 Dixwell Ave Fl 3, Hamden, CT 06518, USA | 4.9★ | 45 |
| #8 | Ascend Financial Network250 State St UNIT F2, North Haven, CT 06473, USA | 5.0★ | 136 |
| #9 | Welcome Home Mortgage, LLC20 Washington Ave STE 106, North Haven, CT 06473, USA | 4.9★ | 83 |
| #10 | McCue Mortgage Co1 Liberty Square Third Floor, New Britain, CT 06051, USA | 4.4★ | 101 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Waterbury
Anchor Point Mortgage | Matt Kelleher, Mortgage Banker
31 Liberty St #209, Southington, CT 06489, USA
Anchor Point Mortgage Nate Pryzbek Loan Officer
31 Liberty St #209, Southington, CT 06489, USA
Pioneer Mortgage LLC
2508 Whitney Ave # A, Hamden, CT 06518, USA
Atlantic Home Loans
2751 Dixwell Ave Fl 3, Hamden, CT 06518, USA
Ascend Financial Network
250 State St UNIT F2, North Haven, CT 06473, USA
Welcome Home Mortgage, LLC
20 Washington Ave STE 106, North Haven, CT 06473, USA
McCue Mortgage Co
1 Liberty Square Third Floor, New Britain, CT 06051, USA
CT Liberty Mortgage, LLC
5 Forest Park Dr Suite 5-1 RB, Farmington, CT 06032, USA
Northeast Financial
48 Meriden Rd #1, Middlefield, CT 06455, USA
Marie Matta-Isona, Best Real Estate & Mortgage Broker in Connecticut
800 Foxon Rd, East Haven, CT 06513, USA
New Vision Mortgage, LLC
800 Foxon Rd, East Haven, CT 06513, USA
PrimeLending, A PlainsCapital Company - CT-1
4 Research Dr Suite 416, Shelton, CT 06484, USA
The Lisa and Michelle Team
4 Research Dr Suite 450, Shelton, CT 06484, USA
Bay Equity Home Loans - West Hartford, CT
65 LaSalle Rd # 309, West Hartford, CT 06107, USA
Justin Girolimon | Vice President & Senior Mortgage Banker, NMLS #180243
65 LaSalle Rd Suite 310, West Hartford, CT 06107, USA
Rize Mortgage
10 N Main St # 3, West Hartford, CT 06107, USA
ELM TREE FUNDING
43 N Main St, West Hartford, CT 06107, USA
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Frequently Asked Questions — Mortgage Brokers in Waterbury
What does a mortgage broker do differently than going directly to a bank in Waterbury?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Waterbury?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CT?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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