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Summary Report

This 2023 report is a summary of our activities. We addressed economic challenges in the housing market, continued to offer financial tools and support for individuals and families seeking their first home, all while meeting the housing needs of low- to -moderate-income residents across the State.

March 2024

IOREBTA Annual Report

In administering the IOREBTA program, the Connecticut Housing Finance Authority (CHFA) acts as the liaison to and consults with the Housing Advisory Panel as defined by CGS §8-265h. CHFA also manages the collection of funds and processes disbursements on behalf of the Panel. The annual report details the sources and uses of the IOREBTA program funds.

January 2024

Fair Housing Choice, Racial, and Economic Integration Report (CGS Sec. 8-37bb)

This report provides, in detail, lending and investment data on all CHFA housing programs by census tract, income group, households served, race and ethnicity.

December 2023

Housing Needs Assessment

In the following pages, this report assesses the gaps in Connecticut's housing supply and highlights the trends that have shaped the state's housing market in recent years.

September 2023

Equitable Homebuying

This report provides an analysis on CHFA first-time homebuyer lending based on borrower’s race and ethnicity. The report explores potential barriers of homeownership, particularly for potential Black, Hispanic, and first-generation homebuyers.

November 2021

Starter Homes: A Brief Analysis

This brief looks at the current affordable single family housing stock in Connecticut and how it has changed over time. The reports analyzes the impact of the COVID-19 pandemic on homebuying and the additional market pressures on the affordable homeownership stock.

November 2021

Home Mortgage Disclosure Act Dashboard

This dashboard explores 12 years of Home Mortgage Disclosure Act (HMDA) data for the state of Connecticut, combining more than 2 million application records. Despite changes in the way that HMDA is reported, CHFA's Research, Marketing, and Outreach Department has crosswalked the data from 2007 through to the 2019 release.

November 2020

Connecticut Housing Needs Assessment

In 2018 CHFA commissioned a Housing Needs Assessment (HNA) to evaluate current and future housing needs in Connecticut. The HNA examines Connecticut’s current housing stock and analyzes the state's gaps for both owners and renters at different incomes levels, housing markets, and levels of economic and social opportunity.

November 2020

Multifamily Development Cost Analysis

In 2018, the National Council of State Housing Agencies (NCSHA) partnered with the research firm ABT Associates to conduct a national study of the per-unit total development cost (TDC) of projects funded with Low Income Housing Tax Credits (LIHTCs). ABT’s study was national in scope, grouping Connecticut with other New England states and making it difficult to understand how CHFA’s projects compare to ABT’s findings. This analysis replicates ABT’s analysis using data from CHFA’s multifamily portfolio. Some aspects of ABT’s methodology were modified to fit CHFA’s data and better understand per-unit TDC at the state and county level.

September 2020

COVID-19 Landlord Survey Dashboard

In response to the COVID-19 pandemic in Connecticut, the Office of the Governor, the Department of Housing, the Connecticut Housing Finance Authority, the U.S. Department of Housing and Urban Development, and other partners conducted a survey of residential landlords. The goal of the survey was to gather information about the financial impact of COVID-19 and the potential for evictions. The results of the survey can be seen in the dashboard below. Specifically, the dashboard examines who responded to survey, the financial impact of the pandemic on landlords, expected changes in collections and evictions in 2020, and an examination of effective policy responses. The survey was closed on May 29, 2020.

June 2020

2019 Summary Report

CHFA celebrated its 50th Anniversary in 2019. Over the years, CHFA has grown from a lender with $5 million for first-time homebuyer mortgages to a self-sustaining financier that issues more than $500 million in bonds annually. That financial strength benefits the State of Connecticut by providing financing for much-needed safe, decent affordable housing for state residents. CHFA works closely with the Department of Housing (DOH) and other state agencies to support the housing needs of state residents. There is no need for legislative recommendations at this time. This report details CHFA highlights in 2019.

March 2020

A Look at Developments Placed-In-Service

Take a stroll with us across the state to see the tasteful, affordable rental homes CHFA has financed, providing Connecticut residents a safe place to call home. Featured is an excerpt from the legislatively mandated “Annual report re fair housing choice and racial and economic integration”, which portrays developments that have had their first unit certified as suitable for occupancy during October 1, 2018 – September 30, 2019. Access the full report.

April 2020

2020 Congressional Summary Report

This summary highlights the impact of these federal tools, both statewide and by congressional district. While great progress has been made in our state, there is much more work to be done. To this end, CHFA will continue to collaborate with Connecticut’s delegation to widen the path to greater affordable housing opportunities for our residents and our communities.

March 2020

IOREBTA Annual Report - 2019

In 2019, $76,503.22 in interest was received from 41 lenders. The top five lenders participating were TD Bank N.A., Bank of America, Wells Fargo Bank, N.A., Webster Bank, and Peoples United Bank. A complete listing of participating lenders and interest remitted is provided in the full report.

Spring 2020

CDFI Loan Pool Report (Q4 2019)

CHFA’s Small Multifamily CDFI Loan Pool Program makes available $12 million of low-cost capital provided by both CHFA and Connecticut's Office of Policy and Management, for the redevelopment or rehabilitation of vacant or blighted small multifamily/mixed use rental properties with 3 to 20 units. Financing has been allocated specifically to support responsible growth policies and transit-oriented development. The Hartford Community Loan Fund, the Housing Development Fund, and Capital for Change are participants in the program. Since its inception in 2014, participating CDFIs have utilized $7.2 million to finance the rehabilitation of 50 properties resulting in 198 affordable rental units.

February 2020

Examining the Long-run Shifts in Connecticut’s Rental Market

This analysis documents the long-run shifts in Connecticut’s rental market, specifically the decline in lower-cost units and the potential impact that trend has on low- and moderate-income households.

December 2019

C.G.S. 8-37bb Fair Housing Choice and Racial and Economic Integration

Connecticut General Statutes Section 8-37bb requires the Connecticut Housing Finance Authority (CHFA) to report to the Legislature its “Annual report re fair housing choice and racial and economic integration”. This report provides, in detail, lending and investment data on all CHFA housing programs by census tract, income group, households served, race and ethnicity. The annual reporting period is October 1st to September 30th. This report reflects data collected and compiled for the reporting period of October 1, 2018 to September 30, 2019.

December 2019

Historic Mills Reborn: CHFA's Adaptive Reuse Creates Affordable Rental Housing

An illustrated depiction of abandoned mills repurposed into housing throughout Connecticut. With funding by CHFA and other public/private sources, these historic once-thriving, empty structures have been resurrected in a new era.

September 2019

Connecticut Housing Market Snapshot – 2019

The report details trends in affordability, tenure, housing supply and construction, sales, home values, population and household formation, and other challengers in the housing market.

August 2019

Transportation’s Role in Affordable Housing

Traditional measures of residential affordability only consider whether a household pays more than 30 percent of their income on housing, however given the interconnectedness of where people live and work, some have argued for including transportation costs in residential affordability evaluations. As a result, a more complete understanding of affordable housing in Connecticut requires an understanding and consideration of transportation costs faced by the typical worker and by CHFA borrowers and tenants.

August 2019

Comparing Connecticut’s Largest Cities

The infographic compares housing and demographics in Connecticut’s four largest cities.

August 2019

Annual Report – 2018

In 2018, CHFA invested more than $570 million in single-family homeownership, providing mortgages to 3,206 first time homebuyers. Of those borrowers 1,167 utilized CHFA’s Downpayment Assistance (DAP) Program. The average age, monthly payment, and mortgage amount in 2018 were 35, $834, and $178,997 respectively. Through the Low-Income Housing Tax Credit (LIHTC), in 2018 CHFA supported the renovation, preservation, or construction of 847 affordable rental units.

June 2019

The Great Condo Construction Boom

When you think of the 1980s you often think of a turbulent decade bookend by the Iran hostage crisis and the fall of the Berlin Wall, or as the decade of big hair and synthesized music. You can be forgiven if residential construction boom does not come to mind. Yes, during the 1980s Connecticut experienced a residential construction boom primarily driven by condominium construction.

May 2019

2018 Summary Report

CHFA is celebrating its 50th Anniversary in 2019. Over the years, CHFA has grown from a lender with $5 million for first-time homebuyer mortgages to a self-sustaining financier that issues $1 billion in bonds annually. That financial strength benefits the State of Connecticut by providing financing for much-needed safe, decent affordable housing for state residents. CHFA continues to work closely with the Department of Housing (DOH) and other appropriate state agencies to support the housing needs of state residents.

March 2019

2019 Congressional Report

March 2019

IOREBTA Annual Report – 2018

In 2018, $74,144 in interest was received from 42 lenders. The top five lenders participating were TD Bank N.A., Webster Bank, Wells Fargo Bank, N.A., Bank of America, and Peoples Bank. A complete listing of participating lenders and interest remitted with a breakdown of participating realtors is provided in the full report.

Spring 2019

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