Banks Offering Home Loans in Fairfield, Connecticut

Fairfield County's competitive mortgage market includes national banks, regional institutions, and local lenders. Below are major providers with branches in or near Fairfield, CT, and the loan types they typically offer.

National Banks

• Bank of America: Conventional, FHA, VA, USDA, Jumbo, HELOCs, Affordable Loan Solution®.
• Chase Bank: Fixed/ARM, FHA, VA, USDA, Jumbo, DreaMaker℠ (low down payment), Chase Homebuyer Grant ($5,000 in eligible areas).
• Wells Fargo: Conventional, Jumbo, FHA, VA, USDA, yourFirst Mortgage® (3% down), renovation loans.
• PNC Bank: Fixed/ARM, FHA, VA, USDA, Construction-to-Permanent, Community Loan (low/mod income).

Regional & Community Banks (Strong Local Presence)

• First County Bank (Stamford-based): Conventional, FHA, VA, USDA, Jumbo, Construction, Physician/Dentist loans. High-touch service.
• Webster Bank: Conventional, Jumbo, FHA, VA, Home Equity, Medical Professional loans. Branches in Fairfield, Westport, Norwalk.
• People's United Bank (now M&T): Full mortgage suite; strong in Fairfield County.
• Fairfield County Bank: Local mutual bank; portfolio lending flexibility, construction, renovation.

Credit Unions

• Connexus Credit Union, Nutmeg State Financial Credit Union: Often competitive rates, lower fees, member-focused.

Next Steps

1. Check your credit report (free at annualcreditreport.com).
2. Get pre-approved (not just pre-qualified) from 2–3 lenders to compare Loan Estimates (rate, APR, closing costs, lender fees).
3. Ask about CT-specific programs: CHFA loans (CT Housing Finance Authority) for first-time buyers, down payment assistance.