Purchase Originations
261
Median Total Costs
$12,481
+86.8% vs national ($6,680)
↓ $428 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$6,325
Median Lender Credits
$151
Denial Rate
9.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 186 | 6.750% | $11,481 | $6,069 |
| fha | 66 | 6.500% | $20,831 | $7,394 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 176 | 6.625% | $13,297 | #99 |
| Florida | 29 | 6.500% | $12,169 | — |
| Maryland | 18 | 6.500% | $9,171 | — |
| Illinois | 10 | 6.875% | $11,011 | — |
| New Jersey | 8 | 6.562% | $21,693 | — |
| South Carolina | 5 | 6.625% | $7,646 | — |
| Connecticut | 4 | 6.808% | $19,388 | — |
| Pennsylvania | 4 | 6.938% | $19,069 | — |
| Texas | 2 | 6.745% | $12,126 | — |
| Georgia | 1 | 5.625% | $20,649 | — |
| Massachusetts | 1 | 6.875% | $13,369 | — |
| North Carolina | 1 | 6.125% | $11,768 | — |
| Rhode Island | 1 | 6.750% | $23,507 | — |
| West Virginia | 1 | 5.625% | $8,901 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,500 | 6.500% | — | 5 | −$5,981 | |
| 2 | $6,902 | 6.933% | — | 2 | −$5,579 | |
| 3 | $8,532 | 6.125% | — | 5 | −$3,949 | |
| 4 | $9,546 | 6.625% | — | 52 | −$2,935 | |
| 5 | $10,386 | 6.875% | — | 2 | −$2,095 | |
| 6 | $11,124 | 6.875% | — | 7 | −$1,357 | |
| 7 | $12,060 | 6.625% | — | 2 | −$421 | |
| 8 | $12,470 | 6.688% | — | 12 | −$11 | |
| 9 | $12,631 | 6.625% | — | 3 | +$150 | |
| 10 | $13,147 | 6.750% | — | 5 | +$666 | |
| 11 | $13,588 | 6.687% | — | 80 | +$1,107 | |
| 12 | $13,920 | 6.312% | — | 2 | +$1,439 | |
| 13 | $16,161 | 6.500% | — | 10 | +$3,680 | |
| 14 | $17,255 | 6.620% | — | 2 | +$4,774 | |
| 15 | $19,069 | 6.312% | — | 2 | +$6,588 | |
| 16 | $19,609 | 6.625% | — | 2 | +$7,128 | |
| 17 | $20,417 | 6.875% | — | 18 | +$7,936 | |
| 18 | $22,826 | 6.250% | — | 2 | +$10,345 | |
| 19 | $25,184 | 7.375% | — | 3 | +$12,703 | |
| 20 | $31,007 | 6.250% | — | 3 | +$18,526 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Hartford Funding, LTD. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $12,481 | $7,127 | +$5,354 (+75.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.