# HARTFORD FUNDING, LTD.

> **Canonical URL:** https://saferate.com/lenders/hartford-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HARTFORD FUNDING, LTD. is a independent mortgage company, headquartered in ALBANY, NY, serving borrowers across 19 states, with 355 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300VGMMXKSX821O69
- **Headquarters:** ALBANY, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, CA, CO, CT, FL, GA, MA, MD, ME, NC, NJ, NY, OH, PA, SC, TX, VA, VT, WV
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.461%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,589
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 355
- **Dollar Volume:** $179 million
- **Applications Received:** 557
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $503,563
- **Average Borrower Income:** $226,817
- **Average Property Value:** $688,042

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 240 | +0.462% | $4,500 | Sound ☺️ |
| FHA | 65/100 | 88 | +0.566% | $5,008 | Strong 😀 |
| VA | 40/100 | 15 | -0.270% | $4,417 | Acceptable 🙂 |
| Jumbo | 42/100 | 12 | +1.048% | $3,268 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 174 loans, Score: 46/100 (Sound)
- Refinance: 66 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 53 loans, Score: 61/100 (Strong)
- Refinance: 35 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 247 | $125M | +0.438% | Sound ☺️ |
| Refinance | 59/100 | 108 | $53M | +0.531% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 234 | 0.21% | 75/100 |
| FL | 38 | 0.01% | 49/100 |
| NJ | 17 | 0.02% | 46/100 |
| PA | 11 | 0.01% | 39/100 |
| CT | 10 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 180 | 79/100 |
| New York | NY-NJ | 48 | 60/100 |
| Non |  | 12 | 23/100 |

## Frequently Asked Questions

### What loan types does HARTFORD FUNDING, LTD. offer?

HARTFORD FUNDING, LTD. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HARTFORD FUNDING, LTD. offer mortgages?

HARTFORD FUNDING, LTD. 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, LTD.'s mortgage rates?

HARTFORD FUNDING, LTD. has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.461% above market average.

### What type of lender is HARTFORD FUNDING, LTD.?

HARTFORD FUNDING, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in ALBANY, NY.

### What is HARTFORD FUNDING, LTD.'s loan approval success rate?

HARTFORD FUNDING, LTD. has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hartford-funding

### How to Cite

> "HARTFORD FUNDING, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hartford-funding

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