Hartford Funding Ltd Mortgage Lending & HMDA Data, 2009
In 2009, Hartford Funding Ltd of Ronkonkoma, NY reported 187 mortgage applications totaling $42.1 million, up 192% from 2008. The average application was for $225,219, and applicants reported an average income of $76,197. 26% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Nassau-Suffolk, NY (68), New York-White Plains-Wayne, NY-NJ (19) and Hartford-West Hartford-East Hartford, CT (10) (applications in parentheses).
| Mortgage Company & Address | Hartford Funding Ltd 2040 Ocean Avenue Ronkonkoma, NY 11779 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 187 |
| Total Mortgage Loan Application Amount | $42,116,000 |
| Average Mortgage Loan Application Amount | $225,219 |
| Highest Mortgage Loan Application Amount | $549,000 |
| Average Applicant Income | $76,197 |
| Highest Applicant Income | $335,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hartford Funding Ltd filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nassau-Suffolk, NY | 68 | $ 17,278,000 | $ 254,088 | $ 90,000 |
| New York-White Plains-Wayne, NY-NJ | 19 | $ 6,404,000 | $ 337,052 | $ 85,947 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 1,673,000 | $ 167,300 | $ 52,000 |
| Newark-Union, NJ-PA | 10 | $ 2,794,000 | $ 279,400 | $ 71,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 1,051,000 | $ 175,166 | $ 69,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 470,000 | $ 156,666 | $ 57,000 |
| Baltimore-Towson, MD | 3 | $ 529,000 | $ 176,333 | $ 62,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 417,000 | $ 139,000 | $ 60,000 |
| Chicago-Naperville-Joliet, IL | 3 | $ 562,000 | $ 187,333 | $ 70,000 |
| Edison-New Brunswick, NJ | 3 | $ 552,000 | $ 184,000 | $ 59,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 436,000 | $ 145,333 | $ 74,000 |
| Norwich-New London, CT | 3 | $ 386,000 | $ 128,666 | $ 45,000 |
| Philadelphia, PA | 3 | $ 454,000 | $ 151,333 | $ 53,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 559,000 | $ 186,333 | $ 51,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 483,000 | $ 241,500 | $ 57,000 |
| Camden, NJ | 2 | $ 450,000 | $ 225,000 | $ 73,000 |
| Kansas City, MO-KS | 2 | $ 325,000 | $ 162,500 | $ 35,000 |
| Macon, GA | 2 | $ 318,000 | $ 159,000 | $ 48,000 |
| New Haven-Milford, CT | 2 | $ 612,000 | $ 306,000 | $ 106,000 |
| Orlando-Kissimmee, FL | 2 | $ 350,000 | $ 175,000 | $ 57,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 590,000 | $ 295,000 | $ 86,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 523,000 | $ 261,500 | $ 145,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 237,000 | $ 118,500 | $ 54,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 410,000 | $ 410,000 | $ 131,000 |
| Asheville, NC | 1 | $ 97,000 | $ 97,000 | $ 23,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 138,000 | $ 138,000 | $ 57,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 86,000 | $ 86,000 | $ 59,000 |
| Boston-Quincy, MA | 1 | $ 209,000 | $ 209,000 | $ 56,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 177,000 | $ 177,000 | $ 93,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 292,000 | $ 292,000 | $ 100,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 103,000 | $ 103,000 | $ 11,000 |
| Lancaster, PA | 1 | $ 109,000 | $ 109,000 | $ 46,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 327,000 | $ 327,000 | $ 124,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 119,000 | $ 119,000 | $ 43,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 117,000 | $ 117,000 | $ 62,000 |
| Pittsburgh, PA | 1 | $ 120,000 | $ 120,000 | $ 56,000 |
| Raleigh-Cary, NC | 1 | $ 264,000 | $ 264,000 | $ 142,000 |
| Rochester, NY | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Rocky Mount, NC | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 318,000 | $ 318,000 | $ 97,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 117,000 | $ 117,000 | $ 40,000 |
| Warner Robins, GA | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Hartford Funding Ltd in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 150 | $33,432,000 | $222,000 | $549,000 | $76,000 | $335,000 |
| Home Purchase | 37 | $8,684,000 | $234,000 | $402,000 | $77,000 | $151,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 117 | $26,371,000 | $225,000 | $549,000 | $81,000 | $335,000 |
| Black or African American | 29 | $6,129,000 | $211,000 | $394,000 | $66,000 | $172,000 |
| Not Provided | 24 | $5,856,000 | $244,000 | $482,000 | $72,000 | $155,000 |
| Hispanic | 15 | $3,165,000 | $211,000 | $406,000 | $66,000 | $110,000 |
| American Indian or Alaskan Native | 1 | $435,000 | $435,000 | $435,000 | $97,000 | $97,000 |
| Asian | 1 | $160,000 | $160,000 | $160,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 163 | $36,731,000 | $225,000 | $549,000 | $75,000 | $335,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 24 | $5,385,000 | $224,000 | $356,000 | $81,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 132 | $28,819,000 | $218,000 | $482,000 | $74,000 | $335,000 |
| Loan Originated | 48 | $11,738,000 | $244,000 | $549,000 | $84,000 | $192,000 |
| Application Approved But Not Accepted | 2 | $315,000 | $157,000 | $203,000 | $61,000 | $83,000 |
| Application Denied By Financial Institution | 2 | $595,000 | $297,000 | $305,000 | $76,000 | $91,000 |
| Application Withdrawn By Applicant | 2 | $579,000 | $289,000 | $357,000 | $90,000 | $112,000 |
| File Closed For Incompleteness | 1 | $70,000 | $70,000 | $70,000 | $24,000 | $24,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $305,000 | $305,000 | $305,000 | $91,000 | $91,000 |
| Unverifiable Information | 1 | $290,000 | $290,000 | $290,000 | $62,000 | $62,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hartford Funding Ltd's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hartford Funding Ltd's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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