Hartford-West Hartford-East Hartford Mortgage Lending in 2025

Explore mortgage lending activity in Hartford-West Hartford-East Hartford (MSA/MD Code 25540) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 25540
12,531 Loans Originated
• Primary State: Connecticut (CT)
• $4.35 Billion Originated Volume
• $325,000 Median Loan
Actionable Applications 14,981 +9.71% vs 2024
Approval Rate 86.56% +0.65 pp vs 2024
Denial Rate 13.44% -0.65 pp vs 2024
Loan Originations 12,531 +10.16% vs 2024
Originated Volume $4.35 Billion +17.24% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 14,981 actionable applications (Actions 1, 2, and 3).

86.56%
13.44%
12,968 approved 2,013 denied
Action 1: Originated
12,531 (83.65%)
Action 2: Approved not accepted
437 (2.92%)
Action 3: Denied
2,013 (13.44%)
Action 4: Withdrawn (not in denominator)
2,916 —
Action 5: Incomplete (not in denominator)
1,040 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Hartford-West Hartford-East Hartford Compares

Metro vs. State Baseline (2025)

Metric Hartford-West Hartford-East Hartford Connecticut
Actionable Apps 14,981 46,620
Approval Rate 86.56% 85.75%
Denial Rate 13.44% 14.25%
Originations 12,531 38,523
Originated Volume $4.35 Billion $16.94 Billion
Median Loan $325,000 $345,000
Compared against Connecticut statewide baseline in 2025.

Lending Trends in Hartford-West Hartford-East Hartford

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 17,064 18,937 +10.98%
Actionable Apps 13,655 14,981 +9.71%
Originations 11,375 12,531 +10.16%
Approval Rate 85.91% 86.56% +0.65 pp
Denial Rate 14.09% 13.44% -0.65 pp
Median Loan $305,000 $325,000 +6.56%
Dollar Volume $3.71 Billion $4.35 Billion +17.24%

Applications by Borrower Income (Hartford-West Hartford-East Hartford)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 3,973 89.35% 10.65%
$150k+ 4,557 92.47% 7.53%
$50k–$99,999 5,138 84.53% 15.47%
<$50k 648 52.78% 47.22%
Income unavailable/entity 665 78.05% 21.95%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Connecticut (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 25540, anchored in Connecticut (CT).
Metro Share of State Apps 32.13%
Metro Share of State Volume 25.70%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Connecticut statewide mortgage activity

Hartford-West Hartford-East Hartford is part of OpenFileData’s statewide coverage of Connecticut. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Connecticut Statewide Overview Active Profile
Statewide Actionable Applications: 46,620
Explore Connecticut State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Connecticut Profile

Compare all metropolitan areas located in Connecticut.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.