Get & compare mortgage quotes anonymously Start in My Home
HF
Unclaimed

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.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

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

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
2
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

19
19 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast7
CTMEMANJNYPAVT
Midwest1
OH
South9
ALFLGAMDNCSCTXVAWV
West2
CACO

Top Metro Areas by Place Specialization Score

1© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 180Mix 50.70% of portfolio
79/100
Strong
2© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 48Mix 13.52% of portfolio
60/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 234Mix 65.92% of portfolio
75/100
Strong
Florida
Florida
2
FloridaState
Volume 38Mix 10.70% of portfolio
49/100
Sound
New Jersey
New Jersey
3
New JerseyState
Volume 17Mix 4.79% of portfolio
46/100
Sound
Connecticut
Connecticut
4
ConnecticutState
Volume 10Mix 2.82% of portfolio
41/100
Sound
Pennsylvania
Pennsylvania
5
PennsylvaniaState
Volume 11Mix 3.10% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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.

Looking for a different lender?

Are you the owner of Hartford Funding?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.