Hartford Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th29.3% deniedProcesswithdrawn + incomplete share, weight 15%
37th14.5%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.14% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 96 | 49 | 33.3% | 39.5% | 6.50% | $3.8M |
| 2024 | 115 | 60 | 30.4% | 36.8% | 6.49% | $6.2M |
| 2025 | 124 | 75 | 25.0% | 29.3% | 6.00% | $9.7M |
What Hartford Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Why Hartford Federal Credit Union denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hartford Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 16 | 44.8% |
| $100k – $150k | 35 | 22 | 24.1% |
| $150k – $250k | 34 | 28 | 9.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 25 | 18 | 21.7% |
| 45–54 | 31 | 18 | 28.0% |
| 55–64 | 38 | 23 | 32.4% |
Where Hartford Federal Credit Union lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 124 | 75 | 25.0% | 6.00% | #152 |
Frequently asked questions
Hartford Federal Credit Union denied 29.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Hartford Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 54.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Hartford Federal Credit Union originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 5% of its applications were for home purchases, 27% for refinancing (including cash-out), and 68% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.