Torrington Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Torrington averaged 7.4% for the week of 2026-10-08, compared to the national average of 7.4% for the same period.

    The average rate for the prior week (2026-10-01) was 7.18% and one month ago for the week of 2026-09-03, the average rate was 7.01%.

    Torrington's average rate one year ago was 6.64%.

    For refis of the same type during the week of 2026-10-08, the average rate was 7.6%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2026-10-08 7.4%
    Torrington 30 Year Fixed Rate 2026-10-08 7.4%
    Torrington 30 Year Fixed Rate Refi 2026-10-08 7.6%
    Torrington 15 Year Fixed Rate 2026-10-08 6.93%
    Torrington 15 Year Fixed Rate Refi 2026-10-08 6.93%
    Torrington 30 Year FHA 2026-10-08 7.37%
    Torrington 30 Year FHA Refi 2026-10-08 7.27%
    Torrington 30 Year USDA 2026-10-08 7.35%
    Torrington 30 Year USDA Refi 2026-10-08 7.35%
    Torrington 30 Year VA 2026-10-08 7.3%
    Torrington 30 Year VA Refi 2026-10-08 6.9%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Torrington, CT.

    Torrington Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Torrington, CT market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    Torrington, CT Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share

    Torrington Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Torrington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $361,500 (3.3%) $719,599 (-2.5%) 1.30 987
    2018-02-01 $377,450 (7.8%) $739,545 (-0.8%) 1.29 975
    2018-03-01 $382,000 (5.0%) $724,040 (-7.1%) 1.26 1,007
    2018-04-01 $374,950 (-1.3%) $714,692 (-8.5%) 1.22 1,039
    2018-05-01 $369,950 (-2.5%) $713,601 (-5.8%) 1.17 1,134
    2018-06-01 $369,900 (-1.3%) $726,783 (-3.7%) 1.17 1,232
    2018-07-01 $367,000 (-2.1%) $732,124 (-2.3%) 1.17 1,280
    2018-08-01 $365,750 (2.0%) $738,606 (1.9%) 1.19 1,282
    2018-09-01 $360,000 (-2.2%) $745,165 (3.1%) 1.17 1,276
    2018-10-01 $362,450 (-1.7%) $749,763 (5.8%) 1.17 1,253
    2018-11-01 $373,825 (1.3%) $769,105 (6.9%) 1.19 1,165
    2018-12-01 $374,900 (4.2%) $789,070 (12.3%) 1.20 1,081
    2019-01-01 $375,000 (3.7%) $807,837 (12.3%) 1.21 991
    2019-02-01 $392,475 (4.0%) $809,760 (9.5%) 1.19 977
    2019-03-01 $414,386 (8.5%) $822,307 (13.6%) 1.20 979
    2019-04-01 $432,450 (15.3%) $812,921 (13.7%) 1.20 992
    2019-05-01 $425,000 (14.9%) $791,767 (11.0%) 1.15 1,079
    2019-06-01 $409,900 (10.8%) $768,843 (5.8%) 1.15 1,179
    2019-07-01 $417,200 (13.7%) $764,660 (4.4%) 1.16 1,194
    2019-08-01 $410,909 (12.4%) $755,661 (2.3%) 1.17 1,181
    2019-09-01 $404,773 (12.4%) $744,934 (0.0%) 1.18 1,179
    2019-10-01 $400,682 (10.6%) $739,403 (-1.4%) 1.20 1,178
    2019-11-01 $425,000 (13.7%) $765,348 (-0.5%) 1.27 1,067
    2019-12-01 $429,000 (14.4%) $787,729 (-0.2%) 1.30 957
    2020-01-01 $429,900 (14.6%) $790,250 (-2.2%) 1.32 880
    2020-02-01 $435,000 (10.8%) $787,170 (-2.8%) 1.29 818
    2020-03-01 $452,450 (9.2%) $810,716 (-1.4%) 1.25 779
    2020-04-01 $459,975 (6.4%) $823,712 (1.3%) 1.25 736
    2020-05-01 $465,000 (9.4%) $801,744 (1.3%) 1.20 661
    2020-06-01 $493,750 (20.5%) $902,294 (17.4%) 1.23 653
    2020-07-01 $509,000 (22.0%) $928,218 (21.4%) 1.29 660
    2020-08-01 $499,900 (21.7%) $917,514 (21.4%) 1.26 643
    2020-09-01 $519,950 (28.5%) $931,458 (25.0%) 1.34 635
    2020-10-01 $525,000 (31.0%) $963,803 (30.4%) 1.37 635
    2020-11-01 $533,250 (25.5%) $1,012,222 (32.3%) 1.43 559
    2020-12-01 $546,000 (27.3%) $1,046,728 (32.9%) 1.49 511
    2021-01-01 $549,900 (27.9%) $1,210,425 (53.2%) 1.52 432
    2021-02-01 $577,375 (32.7%) $1,283,853 (63.1%) 1.54 362
    2021-03-01 $573,500 (26.8%) $1,344,675 (65.9%) 1.54 355
    2021-04-01 $581,000 (26.3%) $1,311,068 (59.2%) 1.46 340
    2021-05-01 $566,835 (21.9%) $1,289,869 (60.9%) 1.46 366
    2021-06-01 $567,393 (14.9%) $1,280,863 (42.0%) 1.39 408
    2021-07-01 $552,500 (8.6%) $1,222,706 (31.7%) 1.32 474
    2021-08-01 $549,000 (9.8%) $1,187,708 (29.5%) 1.33 483
    2021-09-01 $527,950 (1.5%) $1,176,187 (26.3%) 1.33 474
    2021-10-01 $525,000 (0.0%) $1,149,606 (19.3%) 1.31 463
    2021-11-01 $547,175 (2.6%) $1,215,543 (20.1%) 1.32 401
    2021-12-01 $553,950 (1.5%) $1,240,961 (18.6%) 1.36 348
    2022-01-01 $579,950 (5.5%) $1,414,569 (16.9%) 1.43 301
    2022-02-01 $637,475 (10.4%) $1,515,488 (18.0%) 1.46 246
    2022-03-01 $627,100 (9.4%) $1,460,719 (8.6%) 1.37 236
    2022-04-01 $649,900 (11.9%) $1,424,340 (8.6%) 1.31 249
    2022-05-01 $684,900 (20.8%) $1,484,814 (15.1%) 1.23 286
    2022-06-01 $670,375 (18.2%) $1,442,738 (12.6%) 1.22 328
    2022-07-01 $630,000 (14.0%) $1,330,169 (8.8%) 1.22 356
    2022-08-01 $660,000 (20.2%) $1,382,639 (16.4%) 1.28 361
    2022-09-01 $665,550 (26.1%) $1,401,839 (19.2%) 1.29 347
    2022-10-01 $649,900 (23.8%) $1,381,322 (20.2%) 1.28 327
    2022-11-01 $614,975 (12.4%) $1,402,145 (15.4%) 1.27 298
    2022-12-01 $600,000 (8.3%) $1,409,187 (13.6%) 1.36 273
    2023-01-01 $624,500 (7.7%) $1,480,433 (4.7%) 1.40 233
    2023-02-01 $687,450 (7.8%) $1,482,156 (-2.2%) 1.44 211
    2023-03-01 $720,175 (14.8%) $1,546,646 (5.9%) 1.52 206
    2023-04-01 $767,500 (18.1%) $1,587,214 (11.4%) 1.57 214
    2023-05-01 $799,000 (16.7%) $1,643,527 (10.7%) 1.56 234
    2023-06-01 $795,000 (18.6%) $1,477,277 (2.4%) 1.47 259
    2023-07-01 $770,000 (22.2%) $1,386,297 (4.2%) 1.57 253
    2023-08-01 $721,425 (9.3%) $1,330,905 (-3.7%) 1.46 250
    2023-09-01 $733,300 (10.2%) $1,325,411 (-5.5%) 1.44 268
    2023-10-01 $761,750 (17.2%) $1,322,920 (-4.2%) 1.53 284
    2023-11-01 $757,450 (23.2%) $1,260,839 (-10.1%) 1.55 275
    2023-12-01 $725,000 (20.8%) $1,242,890 (-11.8%) 1.54 243
    2024-01-01 $699,000 (11.9%) $1,198,490 (-19.0%) 1.51 209
    2024-02-01 $669,750 (-2.6%) $1,110,018 (-25.1%) 1.44 204
    2024-03-01 $662,500 (-8.0%) $1,197,471 (-22.6%) 1.41 204
    2024-04-01 $712,225 (-7.2%) $1,258,846 (-20.7%) 1.49 217
    2024-05-01 $737,500 (-7.7%) $1,339,884 (-18.5%) 1.51 247
    2024-06-01 $685,000 (-13.8%) $1,232,712 (-16.6%) 1.40 294
    2024-07-01 $680,000 (-11.7%) $1,277,976 (-7.8%) 1.37 294
    2024-08-01 $645,000 (-10.6%) $1,261,543 (-5.2%) 1.35 300
    2024-09-01 $680,225 (-7.2%) $1,368,317 (3.2%) 1.41 326
    2024-10-01 $687,325 (-9.8%) $1,349,117 (2.0%) 1.40 326
    2024-11-01 $699,900 (-7.6%) $1,427,994 (13.3%) 1.44 303
    2024-12-01 $724,750 (0.0%) $1,491,866 (20.0%) 1.55 248
    2025-01-01 $685,000 (-2.0%) $1,380,680 (15.2%) 0.00 209
    2025-02-01 $662,450 (-1.1%) $1,288,680 (16.1%) 0.00 200
    2025-03-01 $675,000 (1.9%) $1,345,756 (12.4%) 0.00 199
    2025-04-01 $692,363 (-2.8%) $1,329,747 (5.6%) 0.00 237
    2025-05-01 $746,000 (1.2%) $1,335,310 (-0.3%) 0.00 292
    2025-06-01 $743,000 (8.5%) $1,304,041 (5.8%) 0.00 328
    2025-07-01 $750,000 (10.3%) $1,371,895 (7.4%) 0.00 339
    2025-08-01 $699,500 (8.5%) $1,339,647 (6.2%) 0.00 344
    2025-09-01 $644,500 (-5.3%) $1,254,386 (-8.3%) 0.00 391
    2025-10-01 $675,000 (-1.8%) $1,269,971 (-5.9%) 0.00 389
    2025-11-01 $699,000 (-0.1%) $1,317,790 (-7.7%) 0.00 343
    2025-12-01 $699,000 (-3.6%) $1,317,716 (-11.7%) 0.00 282
    2026-01-01 $649,450 (-5.2%) $1,209,785 (-12.4%) 0.00 229
    2026-02-01 $674,975 (1.9%) $1,206,093 (-6.4%) 0.00 217
    2026-03-01 $698,725 (3.5%) $1,231,653 (-8.5%) 0.00 200
    2026-04-01 $720,500 (4.1%) $1,195,160 (-10.1%) 0.00 239
    2026-05-01 $750,000 (0.5%) $1,159,924 (-13.1%) 0.00 283
    2026-06-01 $712,000 (-4.2%) $1,125,376 (-13.7%) 0.00 315
    2026-07-01 $689,000 (-8.1%) $1,093,321 (-20.3%) 0.00 332
    2026-08-01 $649,450 (-7.2%) $1,073,602 (-19.9%) 0.00 345
    2026-09-01 $626,225 (-2.8%) $1,086,409 (-13.4%) 0.00 397
    Torrington's median listing price for 2026-09-01 was $626,225, a difference of $-18,275 (-2.8%) versus the prior year and $-23,225 versus the prior month.

    Torrington's median listing price comes in at 0% of the national average.

    Torrington's average listing price for 2026-09-01 was $1,086,409, a difference of $-167,977 (-13.4%) versus the prior year and $12,807 versus the prior month.

    For the 2026-09-01 period, Torrington had 397 MLS listings, a difference of 52 listings (15%) versus the prior month and 6 listings (2%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Torrington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 119 days 2,162 sqft
    2018-02-01 128 days 2,189 sqft
    2018-03-01 109 days 2,203 sqft
    2018-04-01 70 days 2,176 sqft
    2018-05-01 65 days 2,156 sqft
    2018-06-01 68 days 2,160 sqft
    2018-07-01 75 days 2,161 sqft
    2018-08-01 86 days 2,156 sqft
    2018-09-01 92 days 2,113 sqft
    2018-10-01 98 days 2,090 sqft
    2018-11-01 102 days 2,113 sqft
    2018-12-01 108 days 2,112 sqft
    2019-01-01 120 days 2,102 sqft
    2019-02-01 124 days 2,142 sqft
    2019-03-01 104 days 2,184 sqft
    2019-04-01 76 days 2,230 sqft
    2019-05-01 65 days 2,318 sqft
    2019-06-01 66 days 2,398 sqft
    2019-07-01 74 days 2,404 sqft
    2019-08-01 80 days 2,409 sqft
    2019-09-01 85 days 2,398 sqft
    2019-10-01 90 days 2,388 sqft
    2019-11-01 101 days 2,397 sqft
    2019-12-01 116 days 2,388 sqft
    2020-01-01 126 days 2,365 sqft
    2020-02-01 128 days 2,366 sqft
    2020-03-01 109 days 2,413 sqft
    2020-04-01 91 days 2,410 sqft
    2020-05-01 86 days 2,400 sqft
    2020-06-01 68 days 2,480 sqft
    2020-07-01 49 days 2,540 sqft
    2020-08-01 51 days 2,516 sqft
    2020-09-01 51 days 2,499 sqft
    2020-10-01 50 days 2,527 sqft
    2020-11-01 64 days 2,580 sqft
    2020-12-01 83 days 2,607 sqft
    2021-01-01 100 days 2,581 sqft
    2021-02-01 114 days 2,584 sqft
    2021-03-01 97 days 2,511 sqft
    2021-04-01 46 days 2,487 sqft
    2021-05-01 41 days 2,487 sqft
    2021-06-01 40 days 2,474 sqft
    2021-07-01 43 days 2,346 sqft
    2021-08-01 46 days 2,244 sqft
    2021-09-01 57 days 2,220 sqft
    2021-10-01 67 days 2,220 sqft
    2021-11-01 74 days 2,224 sqft
    2021-12-01 78 days 2,230 sqft
    2022-01-01 88 days 2,367 sqft
    2022-02-01 89 days 2,448 sqft
    2022-03-01 48 days 2,289 sqft
    2022-04-01 38 days 2,276 sqft
    2022-05-01 30 days 2,321 sqft
    2022-06-01 32 days 2,439 sqft
    2022-07-01 38 days 2,355 sqft
    2022-08-01 45 days 2,506 sqft
    2022-09-01 54 days 2,477 sqft
    2022-10-01 64 days 2,475 sqft
    2022-11-01 70 days 2,450 sqft
    2022-12-01 82 days 2,431 sqft
    2023-01-01 93 days 2,389 sqft
    2023-02-01 97 days 2,544 sqft
    2023-03-01 56 days 2,523 sqft
    2023-04-01 51 days 2,618 sqft
    2023-05-01 38 days 2,617 sqft
    2023-06-01 34 days 2,490 sqft
    2023-07-01 45 days 2,304 sqft
    2023-08-01 51 days 2,379 sqft
    2023-09-01 50 days 2,425 sqft
    2023-10-01 48 days 2,469 sqft
    2023-11-01 60 days 2,470 sqft
    2023-12-01 72 days 2,446 sqft
    2024-01-01 81 days 2,408 sqft
    2024-02-01 73 days 2,363 sqft
    2024-03-01 55 days 2,246 sqft
    2024-04-01 45 days 2,259 sqft
    2024-05-01 38 days 2,401 sqft
    2024-06-01 37 days 2,243 sqft
    2024-07-01 44 days 2,253 sqft
    2024-08-01 51 days 2,201 sqft
    2024-09-01 50 days 2,241 sqft
    2024-10-01 51 days 2,237 sqft
    2024-11-01 61 days 2,238 sqft
    2024-12-01 78 days 2,245 sqft
    2025-01-01 0 days 2,238 sqft
    2025-02-01 0 days 2,206 sqft
    2025-03-01 0 days 2,199 sqft
    2025-04-01 0 days 2,193 sqft
    2025-05-01 0 days 2,272 sqft
    2025-06-01 0 days 2,314 sqft
    2025-07-01 0 days 2,454 sqft
    2025-08-01 0 days 2,390 sqft
    2025-09-01 0 days 2,299 sqft
    2025-10-01 0 days 2,292 sqft
    2025-11-01 0 days 2,299 sqft
    2025-12-01 0 days 2,318 sqft
    2026-01-01 0 days 2,267 sqft
    2026-02-01 0 days 2,252 sqft
    2026-03-01 0 days 2,206 sqft
    2026-04-01 0 days 2,213 sqft
    2026-05-01 0 days 2,241 sqft
    2026-06-01 0 days 2,215 sqft
    2026-07-01 0 days 2,210 sqft
    2026-08-01 0 days 2,200 sqft
    2026-09-01 0 days 2,106 sqft
    Torrington's median listing age (time on market) for 2026-09-01 was 0 days.

    Torrington's median square footage for active listings during the 2026-09-01 period was 2,106 sqft. One year prior, the average listing was 2,299 sqft.

    Torrington, CT Market Loan Reason

    Loan Purpose Originations Total Value Average Loan

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan

    Loan Sizing (Torrington, CT MSA)

    Loan Size Originations Total Value Average Loan

    LTV Distribution

    Loan to Value Originations Total Value Average Loan