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Hartford Funding, Ltd.

Independent Mortgage CompanyALBANY, NYDirect to Consumer

Hartford Funding has 355 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Mediocre
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 2 mkts

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Safe Rate's Summary

Things to Think About

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

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Report Card

Hartford Funding, Ltd. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
Below peers
+46.1 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Acceptable
Near industry average
Bottom 40% of lenders
Jumbo
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Sound
Mediocre
Sound
24067.6%
+0.462%Above
$4,500Fees
FHA Loans
Sound
Strong
Acceptable
Strong
8824.8%
+0.566%Above
$5,008Fees
VA Loans
Acceptable
Acceptable
Acceptable
154.2%
-0.270%Below
$4,417Fees
Jumbo Loans
Acceptable
Sound
Acceptable
123.4%
+1.048%Above
$3,268Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Sound
Mediocre
Sound
24769.6%
+0.438%Above
$4,402Fees
Refinance
Acceptable
Sound
Mediocre
Sound
10830.4%
+0.531%Above
$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
2
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ALCACOCTFLGAMAMDMENCNJNYOHPASCTXVAVTWV

Top Metro Areas by Place Specialization Score

1
Nassau County, NYMSA
Volume: 180Mix: 50.70%of portfolio
Place
Strong
2
New York, NY-NJMSA
Volume: 48Mix: 13.52%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NYState
Volume: 234Mix: 65.92%of portfolio
Place
Strong
2
FLState
Volume: 38Mix: 10.70%of portfolio
Place
Sound
3
NJState
Volume: 17Mix: 4.79%of portfolio
Place
Sound
4
CTState
Volume: 10Mix: 2.82%of portfolio
Place
Sound
5
PAState
Volume: 11Mix: 3.10%of portfolio
Place
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.