Hartford-West Hartford-East Hartford
Metropolitan Statistical Area · MSA Code 25540
According to CFPB HMDA 2024 application volume among tracked metros, Hartford-West Hartford-East Hartford ranks #76 of 418.
Mortgage lending activity in the Hartford-West Hartford-East Hartford metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Hartford-West Hartford-East Hartford Metropolitan Statistical Area (MSA code 25540) recorded 39,276 HMDA-reported mortgage applications in 2024. Lenders originated 22,419 of those and denied others at a rate of 16.9%, for an approval (origination) rate of 57.1%. The average loan amount across the MSA was $240,222 at an average note rate of 6.90%. 20 major lenders are tracked for this metro - Liberty Bank, First World Mortgage Corporaton, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Hartford-West Hartford-East Hartford ranks #228 by denial rate (the 46th percentile for approval-friendliness), and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Hartford-West Hartford-East Hartford denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 16.9% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $240,222 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Hartford-West Hartford-East Hartford
In Hartford-West Hartford-East Hartford, lead originator Liberty Bank funded only 6.1% of 22,419 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 16.8% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Hartford-West Hartford-East Hartford's 16.9% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Hartford-West Hartford-East Hartford's 39,276 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Hartford-West Hartford-East Hartford's $240,222 average loan (deduped against denial and volume peers).
Lenders active in the Hartford-West Hartford-East Hartford metro
Liberty Bank funded 1,374 of the 22,419 loans originated here, 6.1% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Liberty Bank | 1,374 | 1,757 | $253,173 | 6.1% |
| 2 | First World Mortgage Corporaton | 1,220 | 1,399 | $186,422 | 5.4% |
| 3 | Rocket Mortgage | 1,168 | 1,525 | $243,708 | 5.2% |
| 4 | American Eagle FCU | 1,031 | 1,552 | $122,784 | 4.6% |
| 5 | United Wholesale Mortgage | 979 | 1,308 | $306,139 | 4.4% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Hartford-West Hartford-East Hartford borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Hartford-West Hartford-East Hartford page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.