What loan types does Hartford Funding offer?

Hartford Funding offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Hartford Funding offer mortgages?

Hartford Funding offers mortgages in 19 states: AL, CA, CO, CT, FL, GA, MA, MD, ME, NC, NJ, NY, OH, PA, SC, TX, VA, VT, WV.

How competitive are Hartford Funding's mortgage rates?

Hartford Funding has an overall pricing score of 17.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Hartford Funding?

Hartford Funding is a Independent Mortgage Company headquartered in ALBANY, NY.

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Hartford Funding

Independent Mortgage Company•Albany, NYHQ•Direct•Reviews near you on Google

Hartford Funding has 355 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,589)

Explore another lender or local market

Report Card

Hartford Funding performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+46.1 bps above market avg

1/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

240 loans · 0.46% above market

Sound

Top 60% of lenders

3/5

FHA

88 loans · 0.57% above market

Strong

Top 40% of lenders

4/5

15 loans · 0.27% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

12 loans · 1.05% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

247 loans · 0.44% above market

Sound

Top 60% of lenders

3/5

Refinance

108 loans · 0.53% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	240	67.6%	+0.462%Above	$4,500Fees
FHA Loans	Sound	Strong	Acceptable	Strong	88	24.8%	+0.566%Above	$5,008Fees
VA Loans	Acceptable	Acceptable	—	Acceptable	15	4.2%	-0.270%Below	$4,417Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	12	3.4%	+1.048%Above	$3,268Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume240

Mix67.6%

Spread

+0.462%Above

Fees

$4,500Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume88

Mix24.8%

Spread

+0.566%Above

Fees

$5,008Fees

VA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume15

Mix4.2%

Spread

-0.270%Below

Fees

$4,417Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume12

Mix3.4%

Spread

+1.048%Above

Fees

$3,268Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Mediocre	Sound	247	69.6%	+0.438%Above	$4,402Fees
Refinance	Sound	Sound	Mediocre	Sound	108	30.4%	+0.531%Above	$5,178Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume247

Mix69.6%

Spread

+0.438%Above

Fees

$4,402Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume108

Mix30.4%

Spread

+0.531%Above

Fees

$5,178Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

355

Applications

557

Volume

$178 million

Pricing & Closing

Avg Rate Spread

+0.461%

vs. market APOR

Avg Net Fees

$4,589

Origination − Credits

Pullthrough Rate

63.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$503,563

Avg Borrower Income

$226,817

Avg Property Value

$688,042

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

19Full-year 2024 · HMDA

Loans originated

< 1010–2020–5050+None

Northeast7

CTMEMANJNYPAVT

Midwest1

South9

ALFLGAMDNCSCTXVAWV

West2

CACO

Top Metro Areas by Place Specialization Score

Nassau County, NYMetro

Volume 180Mix 50.70% of portfolio

79/100

Strong

New York, NY-NJMetro

Volume 48Mix 13.52% of portfolio

60/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 234Mix 65.92% of portfolio

75/100

Strong

FloridaState

Volume 38Mix 10.70% of portfolio

49/100

Sound

New JerseyState

Volume 17Mix 4.79% of portfolio

46/100

Sound

ConnecticutState

Volume 10Mix 2.82% of portfolio

41/100

Sound

PennsylvaniaState

Volume 11Mix 3.10% of portfolio

39/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.