Webster Bank Mortgage Lending & HMDA Data, 2003

In 2003, Webster Bank of Cheshire, CT reported 38,614 mortgage applications totaling $6.2 billion. The average application was for $161,462, and applicants reported an average income of $73,029. 72% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Hartford, CT (8,080), Chicago, IL (3,541) and New Haven-Meriden, CT (2,801) (applications in parentheses).

Mortgage Company & Address Webster Bank
609 West Johnson Ave
Cheshire, CT 06410
Tel #: available with data download
Federal Regulator * available with data download
Years 2003  
Total Number of Mortgage Applications 38,614
Total Mortgage Loan Application Amount $6,234,711,000
Average Mortgage Loan Application Amount $161,462
Highest Mortgage Loan Application Amount $5,000,000
Average Applicant Income $73,029
Highest Applicant Income $4,826,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Webster Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Webster Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Hartford, Connecticut 6,534 $ 819,013,000 $ 125,346 $ 63,000
New Haven, Connecticut 4,538 $ 608,059,000 $ 133,992 $ 63,000
Maricopa, Arizona 2,133 $ 308,896,000 $ 144,817 $ 56,000
Fairfield, Connecticut 2,076 $ 506,114,000 $ 243,792 $ 108,000
Cook, Illinois 2,069 $ 327,719,000 $ 158,394 $ 61,000
Litchfield, Connecticut 1,351 $ 199,628,000 $ 147,763 $ 81,000
Middlesex, Connecticut 1,018 $ 157,106,000 $ 154,328 $ 84,000
Middlesex, Massachusetts 594 $ 138,733,000 $ 233,557 $ 86,000
Tolland, Connecticut 585 $ 81,873,000 $ 139,953 $ 66,000
New London, Connecticut 560 $ 89,979,000 $ 160,676 $ 78,000
Chittenden, Vermont 491 $ 70,268,000 $ 143,112 $ 78,000
DuPage, Illinois 429 $ 73,948,000 $ 172,372 $ 65,000
Will, Illinois 393 $ 61,467,000 $ 156,404 $ 58,000
King, Washington 392 $ 80,138,000 $ 204,433 $ 78,000
Kitsap, Washington 390 $ 56,238,000 $ 144,200 $ 59,000
Lake, Indiana 378 $ 40,540,000 $ 107,248 $ 54,000
Worcester, Massachusetts 356 $ 61,794,000 $ 173,578 $ 76,000
Yavapai, Arizona 296 $ 42,265,000 $ 142,787 $ 67,000
Norfolk, Massachusetts 284 $ 68,719,000 $ 241,968 $ 133,000
Snohomish, Washington 253 $ 44,820,000 $ 177,154 $ 62,000
Lake, Illinois 239 $ 42,899,000 $ 179,493 $ 57,000
Cumberland, Maine 238 $ 38,290,000 $ 160,882 $ 68,000
Multnomah, Oregon 236 $ 35,712,000 $ 151,322 $ 52,000
Pierce, Washington 235 $ 36,331,000 $ 154,600 $ 56,000
Bristol, Massachusetts 228 $ 38,766,000 $ 170,026 $ 73,000
Suffolk, New York 223 $ 133,329,000 $ 597,887 $ 357,000
Kootenai, Idaho 222 $ 27,279,000 $ 122,878 $ 54,000
Kane, Illinois 220 $ 34,086,000 $ 154,936 $ 52,000
Hillsborough, New Hampshire 215 $ 35,317,000 $ 164,265 $ 56,000
Plymouth, Massachusetts 214 $ 44,663,000 $ 208,705 $ 78,000
Essex, Massachusetts 201 $ 43,849,000 $ 218,154 $ 77,000
Rockingham, New Hampshire 199 $ 36,563,000 $ 183,733 $ 74,000
York, Maine 186 $ 30,453,000 $ 163,725 $ 74,000
Summit, Ohio 174 $ 19,102,000 $ 109,781 $ 61,000
Washington, Oregon 168 $ 26,580,000 $ 158,214 $ 59,000
Clark, Washington 164 $ 23,791,000 $ 145,067 $ 57,000
Phelps, Missouri 157 $ 16,746,000 $ 106,662 $ 59,000
Barnstable, Massachusetts 152 $ 30,716,000 $ 202,078 $ 105,000
McHenry, Illinois 150 $ 24,579,000 $ 163,860 $ 58,000
Westchester, New York 150 $ 82,318,000 $ 548,786 $ 204,000
Providence, Rhode Island 142 $ 21,668,000 $ 152,591 $ 65,000
Pima, Arizona 133 $ 17,274,000 $ 129,879 $ 85,000
Clackamas, Oregon 133 $ 22,424,000 $ 168,601 $ 67,000
Hampden, Massachusetts 132 $ 16,164,000 $ 122,454 $ 81,000
Yakima, Washington 122 $ 14,065,000 $ 115,286 $ 51,000
Marion, Oregon 120 $ 15,551,000 $ 129,591 $ 59,000
Spokane, Washington 112 $ 13,384,000 $ 119,500 $ 56,000
Windham, Connecticut 111 $ 14,971,000 $ 134,873 $ 81,000
Porter, Indiana 110 $ 12,222,000 $ 111,109 $ 51,000
Fulton, Georgia 108 $ 24,645,000 $ 228,194 $ 74,000
Greenville, South Carolina 108 $ 13,711,000 $ 126,953 $ 58,000
St. Clair, Illinois 107 $ 8,470,000 $ 79,158 $ 42,000
Suffolk, Massachusetts 104 $ 22,871,000 $ 219,913 $ 84,000
Stark, Ohio 103 $ 10,391,000 $ 100,883 $ 50,000
Missoula, Montana 101 $ 15,970,000 $ 158,118 $ 98,000
Gwinnett, Georgia 100 $ 14,353,000 $ 143,530 $ 62,000
Los Angeles, California 96 $ 41,213,000 $ 429,302 $ 82,000
Cobb, Georgia 94 $ 16,524,000 $ 175,787 $ 75,000
St. Louis, Missouri 92 $ 14,351,000 $ 155,989 $ 76,000
Fairfax, Virginia 84 $ 33,744,000 $ 401,714 $ 110,000
Brevard, Florida 82 $ 9,596,000 $ 117,024 $ 74,000
Clark, Nevada 75 $ 14,470,000 $ 192,933 $ 121,000
Benton, Washington 75 $ 10,122,000 $ 134,960 $ 73,000
Spartanburg, South Carolina 74 $ 8,127,000 $ 109,824 $ 44,000
Montgomery, Maryland 69 $ 29,068,000 $ 421,275 $ 105,000
Hennepin, Minnesota 68 $ 19,622,000 $ 288,558 $ 49,000
Knox, Ohio 68 $ 6,703,000 $ 98,573 $ 36,000
Winnebago, Illinois 67 $ 5,358,000 $ 79,970 $ 40,000
DeKalb, Georgia 66 $ 10,440,000 $ 158,181 $ 71,000
Thurston, Washington 63 $ 8,825,000 $ 140,079 $ 69,000
Douglas, Nebraska 61 $ 6,441,000 $ 105,590 $ 52,000
Santa Clara, California 60 $ 24,256,000 $ 404,266 $ 80,000
Anderson, South Carolina 60 $ 5,885,000 $ 98,083 $ 43,000
Shawnee, Kansas 59 $ 5,320,000 $ 90,169 $ 44,000
Walla Walla, Washington 59 $ 7,135,000 $ 120,932 $ 68,000
Salt Lake, Utah 58 $ 9,947,000 $ 171,500 $ 79,000
Beaverhead, Montana 55 $ 5,038,000 $ 91,600 $ 31,000
Erie, New York 55 $ 7,289,000 $ 132,527 $ 76,000
Ada, Idaho 54 $ 6,980,000 $ 129,259 $ 81,000
Charlotte, Florida 52 $ 5,452,000 $ 104,846 $ 49,000
Bonner, Idaho 51 $ 6,539,000 $ 128,215 $ 62,000
Marion, Indiana 51 $ 4,879,000 $ 95,666 $ 64,000
Windsor, Vermont 51 $ 8,731,000 $ 171,196 $ 135,000
Nassau, New York 50 $ 30,905,000 $ 618,100 $ 338,000
Guilford, North Carolina 50 $ 5,975,000 $ 119,500 $ 48,000
Pinal, Arizona 49 $ 5,865,000 $ 119,693 $ 40,000
Yellowstone, Montana 48 $ 4,865,000 $ 101,354 $ 60,000
Washington, Rhode Island 48 $ 9,861,000 $ 205,437 $ 80,000
San Diego, California 47 $ 15,820,000 $ 336,595 $ 114,000
Kent, Rhode Island 47 $ 7,068,000 $ 150,382 $ 58,000
Franklin, Vermont 46 $ 4,885,000 $ 106,195 $ 66,000
Henry, Missouri 45 $ 5,031,000 $ 111,800 $ 83,000
Belknap, New Hampshire 45 $ 6,320,000 $ 140,444 $ 61,000
Merrimack, New Hampshire 45 $ 6,709,000 $ 149,088 $ 54,000
Wayne, Michigan 44 $ 4,358,000 $ 99,045 $ 55,000
Strafford, New Hampshire 44 $ 6,352,000 $ 144,363 $ 65,000
Wake, North Carolina 42 $ 5,461,000 $ 130,023 $ 58,000
Berkshire, Massachusetts 39 $ 5,061,000 $ 129,769 $ 72,000
Cape Girardeau, Missouri 39 $ 3,798,000 $ 97,384 $ 53,000
Jefferson, Washington 39 $ 5,662,000 $ 145,179 $ 49,000
Greene, Missouri 38 $ 4,388,000 $ 115,473 $ 47,000
Franklin, Ohio 38 $ 4,217,000 $ 110,973 $ 52,000
Polk, Oregon 37 $ 4,883,000 $ 131,972 $ 68,000
Forsyth, Georgia 36 $ 7,102,000 $ 197,277 $ 76,000
Alameda, California 35 $ 9,900,000 $ 282,857 $ 85,000
Lamoille, Vermont 35 $ 4,718,000 $ 134,800 $ 138,000
Washington, Vermont 35 $ 4,210,000 $ 120,285 $ 85,000
Oakland, Michigan 34 $ 5,683,000 $ 167,147 $ 66,000
Pinellas, Florida 33 $ 3,926,000 $ 118,969 $ 69,000
Mecklenburg, North Carolina 33 $ 7,777,000 $ 235,666 $ 125,000
Sarasota, Florida 32 $ 5,173,000 $ 161,656 $ 141,000
Androscoggin, Maine 32 $ 3,875,000 $ 121,093 $ 68,000
Bernalillo, New Mexico 32 $ 4,891,000 $ 152,843 $ 85,000
Ramsey, Minnesota 31 $ 4,902,000 $ 158,129 $ 50,000
Gallatin, Montana 31 $ 5,032,000 $ 162,322 $ 73,000
Forsyth, North Carolina 31 $ 3,472,000 $ 112,000 $ 48,000
Williamson, Tennessee 31 $ 6,175,000 $ 199,193 $ 80,000
Solano, California 30 $ 6,170,000 $ 205,666 $ 37,000
Coweta, Georgia 30 $ 4,574,000 $ 152,466 $ 53,000
Anne Arundel, Maryland 30 $ 10,126,000 $ 337,533 $ 93,000
Luzerne, Pennsylvania 30 $ 2,231,000 $ 74,366 $ 40,000
Charleston, South Carolina 30 $ 5,790,000 $ 193,000 $ 82,000
Horry, South Carolina 30 $ 3,551,000 $ 118,366 $ 75,000
Orange, California 29 $ 9,887,000 $ 340,931 $ 63,000
Dutchess, New York 29 $ 8,825,000 $ 304,310 $ 180,000
Cuyahoga, Ohio 28 $ 3,616,000 $ 129,142 $ 47,000
Yolo, California 27 $ 6,549,000 $ 242,555 $ 21,000
Denver, Colorado 27 $ 9,098,000 $ 336,962 $ 47,000
Baltimore, Maryland 27 $ 6,649,000 $ 246,259 $ 62,000
Ravalli, Montana 27 $ 4,558,000 $ 168,814 $ 60,000
Mason, Washington 27 $ 3,343,000 $ 123,814 $ 58,000
Ventura, California 26 $ 9,560,000 $ 367,692 $ 109,000
Madison, Illinois 26 $ 2,220,000 $ 85,384 $ 36,000
Sedgwick, Kansas 26 $ 2,213,000 $ 85,115 $ 40,000
Howard, Maryland 26 $ 7,140,000 $ 274,615 $ 58,000
St. Charles, Missouri 26 $ 3,857,000 $ 148,346 $ 60,000
Carroll, New Hampshire 26 $ 3,348,000 $ 128,769 $ 73,000
Davidson, Tennessee 26 $ 3,728,000 $ 143,384 $ 74,000
Marin, California 25 $ 11,800,000 $ 472,000 $ 35,000
San Mateo, California 25 $ 10,913,000 $ 436,520 $ 85,000
Benewah, Idaho 25 $ 2,217,000 $ 88,680 $ 49,000
Kankakee, Illinois 25 $ 2,778,000 $ 111,120 $ 49,000
LaPorte, Indiana 25 $ 2,547,000 $ 101,880 $ 52,000
Philadelphia, Pennsylvania 25 $ 2,722,000 $ 108,880 $ 32,000
Hillsborough, Florida 24 $ 3,741,000 $ 155,875 $ 89,000
Cherokee, Georgia 24 $ 3,823,000 $ 159,291 $ 74,000
Kendall, Illinois 24 $ 3,845,000 $ 160,208 $ 61,000
Newport, Rhode Island 24 $ 4,386,000 $ 182,750 $ 116,000
Contra Costa, California 23 $ 7,718,000 $ 335,565 $ 96,000
Jasper, Indiana 23 $ 2,500,000 $ 108,695 $ 59,000
Hampshire, Massachusetts 23 $ 4,989,000 $ 216,913 $ 151,000
Flathead, Montana 23 $ 3,094,000 $ 134,521 $ 48,000
Ocean, New Jersey 23 $ 4,311,000 $ 187,434 $ 127,000
Bucks, Pennsylvania 23 $ 4,065,000 $ 176,739 $ 77,000
Shoshone, Idaho 22 $ 1,709,000 $ 77,681 $ 58,000
Lincoln, Missouri 22 $ 2,767,000 $ 125,772 $ 64,000
Portage, Ohio 22 $ 2,409,000 $ 109,500 $ 45,000
Dorchester, South Carolina 22 $ 2,094,000 $ 95,181 $ 48,000
Arapahoe, Colorado 21 $ 7,885,000 $ 375,476 $ 53,000
Volusia, Florida 21 $ 2,051,000 $ 97,666 $ 67,000
Canyon, Idaho 21 $ 2,251,000 $ 107,190 $ 37,000
Dukes, Massachusetts 21 $ 5,331,000 $ 253,857 $ 117,000
Boone, Missouri 21 $ 2,298,000 $ 109,428 $ 43,000
St. Louis City, Missouri 21 $ 1,537,000 $ 73,190 $ 65,000
Monroe, New York 21 $ 2,143,000 $ 102,047 $ 74,000
Putnam, New York 21 $ 7,692,000 $ 366,285 $ 137,000
Randolph, North Carolina 21 $ 1,922,000 $ 91,523 $ 40,000
Lucas, Ohio 21 $ 2,866,000 $ 136,476 $ 166,000
Linn, Oregon 21 $ 3,047,000 $ 145,095 $ 53,000
Palm Beach, Florida 20 $ 6,490,000 $ 324,500 $ 148,000
Macomb, Michigan 20 $ 3,422,000 $ 171,100 $ 82,000
Grafton, New Hampshire 20 $ 3,058,000 $ 152,900 $ 66,000
Clallam, Washington 20 $ 2,349,000 $ 117,450 $ 67,000
Jefferson, Colorado 19 $ 4,786,000 $ 251,894 $ 57,000
District of Columbia, District Of Columbia 19 $ 7,641,000 $ 402,157 $ 33,000
Fayette, Georgia 19 $ 4,077,000 $ 214,578 $ 95,000
Ingham, Michigan 19 $ 2,094,000 $ 110,210 $ 63,000
Franklin, Missouri 19 $ 2,129,000 $ 112,052 $ 50,000
Mississippi, Missouri 19 $ 1,408,000 $ 74,105 $ 46,000
Bergen, New Jersey 19 $ 8,831,000 $ 464,789 $ 180,000
Yamhill, Oregon 19 $ 2,666,000 $ 140,315 $ 50,000
Richland, South Carolina 19 $ 2,240,000 $ 117,894 $ 59,000
Davis, Utah 19 $ 2,751,000 $ 144,789 $ 86,000
Loudoun, Virginia 19 $ 6,456,000 $ 339,789 $ 99,000
Skagit, Washington 19 $ 2,794,000 $ 147,052 $ 64,000
Citrus, Florida 18 $ 1,811,000 $ 100,611 $ 44,000
Sagadahoc, Maine 18 $ 1,756,000 $ 97,555 $ 46,000
Prince George's, Maryland 18 $ 3,115,000 $ 173,055 $ 73,000
Addison, Vermont 18 $ 2,215,000 $ 123,055 $ 59,000
Whatcom, Washington 18 $ 2,921,000 $ 162,277 $ 92,000
Oxford, Maine 17 $ 3,012,000 $ 177,176 $ 93,000
Lexington, South Carolina 17 $ 1,770,000 $ 104,117 $ 65,000
Grant, Washington 17 $ 2,192,000 $ 128,941 $ 71,000
San Francisco, California 16 $ 6,799,000 $ 424,937 $ 64,000
Collier, Florida 16 $ 4,236,000 $ 264,750 $ 159,000
Henry, Georgia 16 $ 2,293,000 $ 143,312 $ 99,000
St. Joseph, Indiana 16 $ 1,385,000 $ 86,562 $ 39,000
Christian, Missouri 16 $ 1,197,000 $ 74,812 $ 36,000
Iredell, North Carolina 16 $ 7,684,000 $ 480,250 $ 135,000
Orange, Vermont 16 $ 1,945,000 $ 121,562 $ 52,000
Island, Washington 16 $ 2,731,000 $ 170,687 $ 66,000
Coconino, Arizona 15 $ 2,105,000 $ 140,333 $ 58,000
Navajo, Arizona 15 $ 1,460,000 $ 97,333 $ 65,000
Walton, Georgia 15 $ 1,968,000 $ 131,200 $ 50,000
Clearwater, Idaho 15 $ 1,347,000 $ 89,800 $ 87,000
Saratoga, New York 15 $ 2,693,000 $ 179,533 $ 103,000
Medina, Ohio 15 $ 1,867,000 $ 124,466 $ 74,000
Hood River, Oregon 15 $ 2,057,000 $ 137,133 $ 93,000
York, Pennsylvania 15 $ 1,466,000 $ 97,733 $ 49,000
Pickens, South Carolina 15 $ 1,442,000 $ 96,133 $ 52,000
Rutland, Vermont 15 $ 1,615,000 $ 107,666 $ 127,000
Whitman, Washington 15 $ 1,312,000 $ 87,466 $ 58,000
Douglas, Colorado 14 $ 4,936,000 $ 352,571 $ 60,000
Barrow, Georgia 14 $ 1,823,000 $ 130,214 $ 48,000
Boone, Illinois 14 $ 1,939,000 $ 138,500 $ 50,000
Dakota, Minnesota 14 $ 3,416,000 $ 244,000 $ 66,000
Pike, Missouri 14 $ 1,218,000 $ 87,000 $ 65,000
Hunterdon, New Jersey 14 $ 4,990,000 $ 356,428 $ 236,000
Berkeley, South Carolina 14 $ 1,626,000 $ 116,142 $ 54,000
Harris, Texas 14 $ 4,044,000 $ 288,857 $ 52,000
Grand Isle, Vermont 14 $ 2,044,000 $ 146,000 $ 73,000
Sacramento, California 13 $ 2,632,000 $ 202,461 $ 55,000
El Paso, Colorado 13 $ 2,284,000 $ 175,692 $ 64,000
Broward, Florida 13 $ 2,146,000 $ 165,076 $ 161,000
Benton, Missouri 13 $ 884,000 $ 68,000 $ 37,000
Jefferson, Missouri 13 $ 1,750,000 $ 134,615 $ 56,000
Scott, Missouri 13 $ 763,000 $ 58,692 $ 31,000
Washoe, Nevada 13 $ 2,350,000 $ 180,769 $ 79,000
Monmouth, New Jersey 13 $ 7,047,000 $ 542,076 $ 237,000
Franklin, Washington 13 $ 1,423,000 $ 109,461 $ 58,000
Pend Oreille, Washington 13 $ 1,522,000 $ 117,076 $ 48,000
Hamilton, Indiana 12 $ 2,388,000 $ 199,000 $ 75,000
Crawford, Missouri 12 $ 1,308,000 $ 109,000 $ 66,000
Webster, Missouri 12 $ 1,076,000 $ 89,666 $ 92,000
New York, New York 12 $ 11,716,000 $ 976,333 $ 839,000
Umatilla, Oregon 12 $ 974,000 $ 81,166 $ 48,000
Montgomery, Pennsylvania 12 $ 2,459,000 $ 204,916 $ 94,000
Sumner, Tennessee 12 $ 1,866,000 $ 155,500 $ 131,000
Bennington, Vermont 12 $ 2,172,000 $ 181,000 $ 147,000
Yuma, Arizona 11 $ 1,104,000 $ 100,363 $ 36,000
Adams, Colorado 11 $ 2,545,000 $ 231,363 $ 69,000
Weld, Colorado 11 $ 1,848,000 $ 168,000 $ 80,000
Pasco, Florida 11 $ 1,189,000 $ 108,090 $ 64,000
DeKalb, Illinois 11 $ 1,425,000 $ 129,545 $ 63,000
Essex, New Jersey 11 $ 4,164,000 $ 378,545 $ 154,000
Morris, New Jersey 11 $ 4,371,000 $ 397,363 $ 111,000
Cherokee, North Carolina 11 $ 700,000 $ 63,636 $ 38,000
Durham, North Carolina 11 $ 1,332,000 $ 121,090 $ 66,000
Windham, Vermont 11 $ 1,240,000 $ 112,727 $ 141,000
Klickitat, Washington 11 $ 1,491,000 $ 135,545 $ 61,000
Stevens, Washington 11 $ 1,232,000 $ 112,000 $ 48,000
Sonoma, California 10 $ 4,385,000 $ 438,500 $ 40,000
Boulder, Colorado 10 $ 3,259,000 $ 325,900 $ 80,000
Clayton, Georgia 10 $ 1,469,000 $ 146,900 $ 65,000
Hart, Georgia 10 $ 2,157,000 $ 215,700 $ 210,000
Sangamon, Illinois 10 $ 1,115,000 $ 111,500 $ 74,000
Carroll, Maryland 10 $ 2,043,000 $ 204,300 $ 49,000
Anoka, Minnesota 10 $ 1,559,000 $ 155,900 $ 43,000
Somerset, New Jersey 10 $ 2,076,000 $ 207,600 $ 50,000
Orange, New York 10 $ 1,751,000 $ 175,100 $ 112,000
Richmond, New York 10 $ 3,077,000 $ 307,700 $ 125,000
Lane, Oregon 10 $ 1,482,000 $ 148,200 $ 55,000
Florence, South Carolina 10 $ 1,209,000 $ 120,900 $ 64,000
Mohave, Arizona 9 $ 880,000 $ 97,777 $ 51,000
Riverside, California 9 $ 1,732,000 $ 192,444 $ 95,000
Bartow, Georgia 9 $ 1,013,000 $ 112,555 $ 40,000
Douglas, Georgia 9 $ 1,357,000 $ 150,777 $ 58,000
Muscogee, Georgia 9 $ 1,694,000 $ 188,222 $ 97,000
Paulding, Georgia 9 $ 1,291,000 $ 143,444 $ 59,000
Elmore, Idaho 9 $ 654,000 $ 72,666 $ 75,000
Johnson, Indiana 9 $ 885,000 $ 98,333 $ 65,000
Eaton, Michigan 9 $ 1,216,000 $ 135,111 $ 76,000
Scott, Minnesota 9 $ 3,431,000 $ 381,222 $ 44,000
Sarpy, Nebraska 9 $ 1,246,000 $ 138,444 $ 58,000
Middlesex, New Jersey 9 $ 1,899,000 $ 211,000 $ 86,000
Niagara, New York 9 $ 1,088,000 $ 120,888 $ 63,000
Union, North Carolina 9 $ 1,903,000 $ 211,444 $ 40,000
Lorain, Ohio 9 $ 883,000 $ 98,111 $ 45,000
Dallas, Texas 9 $ 3,988,000 $ 443,111 $ 36,000
Travis, Texas 9 $ 3,970,000 $ 441,111 $ 0
Grays Harbor, Washington 9 $ 833,000 $ 92,555 $ 37,000
Marion, Florida 8 $ 616,000 $ 77,000 $ 35,000
Miami-Dade, Florida 8 $ 3,388,000 $ 423,500 $ 249,000
Polk, Florida 8 $ 838,000 $ 104,750 $ 52,000
Hall, Georgia 8 $ 1,029,000 $ 128,625 $ 52,000
Franklin, Maine 8 $ 748,000 $ 93,500 $ 136,000
Frederick, Maryland 8 $ 1,703,000 $ 212,875 $ 60,000
Clinton, Michigan 8 $ 1,290,000 $ 161,250 $ 102,000
Coos, New Hampshire 8 $ 633,000 $ 79,125 $ 56,000
Union, New Jersey 8 $ 3,052,000 $ 381,500 $ 54,000
Ashtabula, Ohio 8 $ 694,000 $ 86,750 $ 55,000
Erie, Ohio 8 $ 1,033,000 $ 129,125 $ 75,000
Wood, Ohio 8 $ 860,000 $ 107,500 $ 66,000
Deschutes, Oregon 8 $ 1,187,000 $ 148,375 $ 129,000
Lincoln, Oregon 8 $ 1,444,000 $ 180,500 $ 100,000
Chester, Pennsylvania 8 $ 1,838,000 $ 229,750 $ 135,000
Bristol, Rhode Island 8 $ 1,170,000 $ 146,250 $ 75,000
Wilson, Tennessee 8 $ 1,089,000 $ 136,125 $ 67,000
Summit, Utah 8 $ 3,494,000 $ 436,750 $ 0
Orleans, Vermont 8 $ 780,000 $ 97,500 $ 44,000
Arlington, Virginia 8 $ 3,266,000 $ 408,250 $ 36,000
Apache, Arizona 7 $ 1,026,000 $ 146,571 $ 64,000
Larimer, Colorado 7 $ 1,613,000 $ 230,428 $ 33,000
Hernando, Florida 7 $ 670,000 $ 95,714 $ 53,000
Orange, Florida 7 $ 1,000,000 $ 142,857 $ 66,000
Newton, Georgia 7 $ 1,360,000 $ 194,285 $ 85,000
Boise, Idaho 7 $ 1,142,000 $ 163,142 $ 63,000
Hendricks, Indiana 7 $ 1,093,000 $ 156,142 $ 71,000
Tippecanoe, Indiana 7 $ 656,000 $ 93,714 $ 37,000
Vanderburgh, Indiana 7 $ 575,000 $ 82,142 $ 44,000
Knox, Maine 7 $ 1,269,000 $ 181,285 $ 89,000
Jackson, Missouri 7 $ 1,059,000 $ 151,285 $ 50,000
Lake, Montana 7 $ 1,238,000 $ 176,857 $ 136,000
Sullivan, New Hampshire 7 $ 995,000 $ 142,142 $ 70,000
New Hanover, North Carolina 7 $ 1,267,000 $ 181,000 $ 85,000
Carroll, Ohio 7 $ 507,000 $ 72,428 $ 42,000
Columbiana, Ohio 7 $ 642,000 $ 91,714 $ 40,000
Columbia, Oregon 7 $ 808,000 $ 115,428 $ 57,000
Knox, Tennessee 7 $ 809,000 $ 115,571 $ 73,000
Alexandria, Virginia 7 $ 2,597,000 $ 371,000 $ 28,000
Cowlitz, Washington 7 $ 815,000 $ 116,428 $ 53,000
Gila, Arizona 6 $ 962,000 $ 160,333 $ 160,000
San Bernardino, California 6 $ 764,000 $ 127,333 $ 112,000
Eagle, Colorado 6 $ 2,396,000 $ 399,333 $ 23,000
Lee, Florida 6 $ 1,051,000 $ 175,166 $ 119,000
Manatee, Florida 6 $ 1,043,000 $ 173,833 $ 93,000
Honolulu, Hawaii 6 $ 1,940,000 $ 323,333 $ 83,000
Boundary, Idaho 6 $ 556,000 $ 92,666 $ 42,000
Grundy, Illinois 6 $ 850,000 $ 141,666 $ 44,000
Newton, Indiana 6 $ 452,000 $ 75,333 $ 50,000
Pottawattamie, Iowa 6 $ 538,000 $ 89,666 $ 46,000
Jackson, Kansas 6 $ 588,000 $ 98,000 $ 35,000
Penobscot, Maine 6 $ 558,000 $ 93,000 $ 48,000
Franklin, Massachusetts 6 $ 1,361,000 $ 226,833 $ 119,000
Washtenaw, Michigan 6 $ 972,000 $ 162,000 $ 68,000
Bollinger, Missouri 6 $ 772,000 $ 128,666 $ 48,000
Taney, Missouri 6 $ 966,000 $ 161,000 $ 60,000
Columbia, New York 6 $ 1,535,000 $ 255,833 $ 98,000
Fulton, New York 6 $ 605,000 $ 100,833 $ 60,000
Rockland, New York 6 $ 1,828,000 $ 304,666 $ 122,000
Schenectady, New York 6 $ 692,000 $ 115,333 $ 62,000
Ulster, New York 6 $ 1,320,000 $ 220,000 $ 114,000
Alamance, North Carolina 6 $ 819,000 $ 136,500 $ 45,000
Hancock, Ohio 6 $ 458,000 $ 76,333 $ 31,000
Trumbull, Ohio 6 $ 467,000 $ 77,833 $ 64,000
Tuscarawas, Ohio 6 $ 489,000 $ 81,500 $ 35,000
Benton, Oregon 6 $ 753,000 $ 125,500 $ 63,000
Clatsop, Oregon 6 $ 662,000 $ 110,333 $ 68,000
Delaware, Pennsylvania 6 $ 578,000 $ 96,333 $ 82,000
Lancaster, Pennsylvania 6 $ 870,000 $ 145,000 $ 49,000
Beaufort, South Carolina 6 $ 1,024,000 $ 170,666 $ 180,000
Greenwood, South Carolina 6 $ 605,000 $ 100,833 $ 63,000
Robertson, Tennessee 6 $ 804,000 $ 134,000 $ 63,000
Racine, Wisconsin 6 $ 602,000 $ 100,333 $ 31,000
El Dorado, California 5 $ 1,677,000 $ 335,400 $ 25,000
Santa Barbara, California 5 $ 1,881,000 $ 376,200 $ 13,000
Santa Cruz, California 5 $ 2,482,000 $ 496,400 $ 0
Rockdale, Georgia 5 $ 726,000 $ 145,200 $ 86,000
Latah, Idaho 5 $ 564,000 $ 112,800 $ 76,000
McLean, Illinois 5 $ 700,000 $ 140,000 $ 86,000
Tazewell, Illinois 5 $ 490,000 $ 98,000 $ 33,000
Allen, Indiana 5 $ 386,000 $ 77,200 $ 74,000
Elkhart, Indiana 5 $ 425,000 $ 85,000 $ 45,000
Douglas, Kansas 5 $ 603,000 $ 120,600 $ 41,000
Johnson, Kansas 5 $ 760,000 $ 152,000 $ 60,000
Lincoln, Maine 5 $ 630,000 $ 126,000 $ 47,000
Calvert, Maryland 5 $ 1,631,000 $ 326,200 $ 74,000
Queen Anne's, Maryland 5 $ 1,829,000 $ 365,800 $ 94,000
Jackson, Michigan 5 $ 440,000 $ 88,000 $ 91,000
Kent, Michigan 5 $ 523,000 $ 104,600 $ 50,000
Chisago, Minnesota 5 $ 781,000 $ 156,200 $ 69,000
Stoddard, Missouri 5 $ 420,000 $ 84,000 $ 46,000
Stone, Missouri 5 $ 386,000 $ 77,200 $ 54,000
Carbon, Montana 5 $ 561,000 $ 112,200 $ 65,000
Park, Montana 5 $ 508,000 $ 101,600 $ 54,000
Cheshire, New Hampshire 5 $ 717,000 $ 143,400 $ 58,000
Sandoval, New Mexico 5 $ 934,000 $ 186,800 $ 75,000
Montgomery, New York 5 $ 361,000 $ 72,200 $ 63,000
Ontario, New York 5 $ 507,000 $ 101,400 $ 53,000
Otsego, New York 5 $ 987,000 $ 197,400 $ 67,000
Seneca, New York 5 $ 503,000 $ 100,600 $ 57,000
Burke, North Carolina 5 $ 409,000 $ 81,800 $ 44,000
Lincoln, North Carolina 5 $ 675,000 $ 135,000 $ 38,000
Rockingham, North Carolina 5 $ 329,000 $ 65,800 $ 70,000
Rowan, North Carolina 5 $ 499,000 $ 99,800 $ 67,000
Hamilton, Ohio 5 $ 840,000 $ 168,000 $ 81,000
Lake, Ohio 5 $ 684,000 $ 136,800 $ 76,000
Mahoning, Ohio 5 $ 226,000 $ 45,200 $ 59,000
Muskingum, Ohio 5 $ 517,000 $ 103,400 $ 38,000
Tillamook, Oregon 5 $ 545,000 $ 109,000 $ 57,000
Berks, Pennsylvania 5 $ 437,000 $ 87,400 $ 58,000
Laurens, South Carolina 5 $ 507,000 $ 101,400 $ 70,000
Shelby, Tennessee 5 $ 1,080,000 $ 216,000 $ 152,000
Utah, Utah 5 $ 877,000 $ 175,400 $ 45,000
Caledonia, Vermont 5 $ 521,000 $ 104,200 $ 88,000
Prince William, Virginia 5 $ 1,256,000 $ 251,200 $ 30,000
Kittitas, Washington 5 $ 887,000 $ 177,400 $ 111,000
Lewis, Washington 5 $ 765,000 $ 153,000 $ 45,000
Pacific, Washington 5 $ 463,000 $ 92,600 $ 58,000
Cochise, Arizona 4 $ 662,000 $ 165,500 $ 86,000
Monterey, California 4 $ 1,573,000 $ 393,250 $ 68,000
San Joaquin, California 4 $ 939,000 $ 234,750 $ 93,000
San Luis Obispo, California 4 $ 1,512,000 $ 378,000 $ 0
Bibb, Georgia 4 $ 241,000 $ 60,250 $ 76,000
Carroll, Georgia 4 $ 721,000 $ 180,250 $ 98,000
Nez Perce, Idaho 4 $ 334,000 $ 83,500 $ 41,000
LaSalle, Illinois 4 $ 451,000 $ 112,750 $ 73,000
Lee, Illinois 4 $ 422,000 $ 105,500 $ 34,000
Marion, Illinois 4 $ 179,000 $ 44,750 $ 35,000
Randolph, Illinois 4 $ 185,000 $ 46,250 $ 39,000
Rock Island, Illinois 4 $ 268,000 $ 67,000 $ 37,000
Williamson, Illinois 4 $ 317,000 $ 79,250 $ 92,000
Morgan, Indiana 4 $ 708,000 $ 177,000 $ 106,000
Shelby, Indiana 4 $ 472,000 $ 118,000 $ 57,000
Polk, Iowa 4 $ 829,000 $ 207,250 $ 85,000
Osage, Kansas 4 $ 412,000 $ 103,000 $ 57,000
Kennebec, Maine 4 $ 232,000 $ 58,000 $ 36,000
Baltimore City, Maryland 4 $ 698,000 $ 174,500 $ 35,000
Cecil, Maryland 4 $ 509,000 $ 127,250 $ 52,000
Charles, Maryland 4 $ 745,000 $ 186,250 $ 90,000
Cheboygan, Michigan 4 $ 530,000 $ 132,500 $ 69,000
Kalamazoo, Michigan 4 $ 459,000 $ 114,750 $ 60,000
Livingston, Michigan 4 $ 720,000 $ 180,000 $ 75,000
Clay, Missouri 4 $ 473,000 $ 118,250 $ 66,000
Dent, Missouri 4 $ 262,000 $ 65,500 $ 47,000
Lawrence, Missouri 4 $ 489,000 $ 122,250 $ 40,000
Maries, Missouri 4 $ 421,000 $ 105,250 $ 46,000
Lewis and Clark, Montana 4 $ 376,000 $ 94,000 $ 48,000
Passaic, New Jersey 4 $ 1,078,000 $ 269,500 $ 75,000
Chemung, New York 4 $ 385,000 $ 96,250 $ 79,000
Onondaga, New York 4 $ 528,000 $ 132,000 $ 85,000
Queens, New York 4 $ 1,694,000 $ 423,500 $ 126,000
Warren, New York 4 $ 467,000 $ 116,750 $ 50,000
Avery, North Carolina 4 $ 368,000 $ 92,000 $ 43,000
Caldwell, North Carolina 4 $ 325,000 $ 81,250 $ 53,000
Catawba, North Carolina 4 $ 327,000 $ 81,750 $ 42,000
Davidson, North Carolina 4 $ 503,000 $ 125,750 $ 58,000
Gaston, North Carolina 4 $ 604,000 $ 151,000 $ 69,000
Crawford, Ohio 4 $ 304,000 $ 76,000 $ 55,000
Fairfield, Ohio 4 $ 521,000 $ 130,250 $ 29,000
Hardin, Ohio 4 $ 306,000 $ 76,500 $ 41,000
Licking, Ohio 4 $ 558,000 $ 139,500 $ 72,000
Logan, Ohio 4 $ 337,000 $ 84,250 $ 53,000
Marion, Ohio 4 $ 268,000 $ 67,000 $ 38,000
Ottawa, Ohio 4 $ 542,000 $ 135,500 $ 75,000
Richland, Ohio 4 $ 438,000 $ 109,500 $ 58,000
Wasco, Oregon 4 $ 642,000 $ 160,500 $ 62,000
Schuylkill, Pennsylvania 4 $ 248,000 $ 62,000 $ 44,000
Abbeville, South Carolina 4 $ 383,000 $ 95,750 $ 51,000
Cherokee, South Carolina 4 $ 431,000 $ 107,750 $ 60,000
Cache, Utah 4 $ 468,000 $ 117,000 $ 57,000
Iron, Utah 4 $ 525,000 $ 131,250 $ 52,000
Washington, Utah 4 $ 644,000 $ 161,000 $ 135,000
Frederick, Virginia 4 $ 304,000 $ 76,000 $ 238,000
Henrico, Virginia 4 $ 1,202,000 $ 300,500 $ 57,000
Skamania, Washington 4 $ 801,000 $ 200,250 $ 61,000
Uinta, Wyoming 4 $ 398,000 $ 99,500 $ 49,000
Placer, California 3 $ 695,000 $ 231,666 $ 25,000
Clear Creek, Colorado 3 $ 874,000 $ 291,333 $ 35,000
Fremont, Colorado 3 $ 744,000 $ 248,000 $ 53,000
La Plata, Colorado 3 $ 795,000 $ 265,000 $ 69,000
Summit, Colorado 3 $ 900,000 $ 300,000 $ 50,000
Indian River, Florida 3 $ 196,000 $ 65,333 $ 56,000
Elbert, Georgia 3 $ 427,000 $ 142,333 $ 52,000
Floyd, Georgia 3 $ 363,000 $ 121,000 $ 70,000
Harris, Georgia 3 $ 557,000 $ 185,666 $ 89,000
Houston, Georgia 3 $ 228,000 $ 76,000 $ 42,000
Jones, Georgia 3 $ 295,000 $ 98,333 $ 36,000
Lumpkin, Georgia 3 $ 318,000 $ 106,000 $ 47,000
Peach, Georgia 3 $ 224,000 $ 74,666 $ 28,000
Spalding, Georgia 3 $ 332,000 $ 110,666 $ 49,000
Champaign, Illinois 3 $ 233,000 $ 77,666 $ 61,000
Clinton, Illinois 3 $ 311,000 $ 103,666 $ 54,000
Iroquois, Illinois 3 $ 246,000 $ 82,000 $ 51,000
Jackson, Illinois 3 $ 254,000 $ 84,666 $ 36,000
Saline, Illinois 3 $ 195,000 $ 65,000 $ 25,000
Stephenson, Illinois 3 $ 244,000 $ 81,333 $ 65,000
Madison, Indiana 3 $ 283,000 $ 94,333 $ 47,000
White, Indiana 3 $ 216,000 $ 72,000 $ 27,000
Harrison, Iowa 3 $ 189,000 $ 63,000 $ 52,000
Harford, Maryland 3 $ 952,000 $ 317,333 $ 60,000
Washington, Maryland 3 $ 279,000 $ 93,000 $ 56,000
Nantucket, Massachusetts 3 $ 1,845,000 $ 615,000 $ 188,000
Berrien, Michigan 3 $ 625,000 $ 208,333 $ 150,000
Genesee, Michigan 3 $ 265,000 $ 88,333 $ 49,000
Lapeer, Michigan 3 $ 579,000 $ 193,000 $ 83,000
Shiawassee, Michigan 3 $ 361,000 $ 120,333 $ 54,000
St. Clair, Michigan 3 $ 417,000 $ 139,000 $ 57,000
Sherburne, Minnesota 3 $ 416,000 $ 138,666 $ 47,000
Washington, Minnesota 3 $ 1,036,000 $ 345,333 $ 53,000
Camden, Missouri 3 $ 370,000 $ 123,333 $ 118,000
Dallas, Missouri 3 $ 282,000 $ 94,000 $ 57,000
St. Clair, Missouri 3 $ 228,000 $ 76,000 $ 34,000
Cascade, Montana 3 $ 551,000 $ 183,666 $ 306,000
Stillwater, Montana 3 $ 276,000 $ 92,000 $ 252,000
Lancaster, Nebraska 3 $ 240,000 $ 80,000 $ 89,000
Burlington, New Jersey 3 $ 501,000 $ 167,000 $ 88,000
Albany, New York 3 $ 397,000 $ 132,333 $ 43,000
Cayuga, New York 3 $ 297,000 $ 99,000 $ 67,000
Delaware, New York 3 $ 600,000 $ 200,000 $ 138,000
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Mortgage Loan Application Detail Totals for Webster Bank in 2003

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 (home purchase or home improvement, one-to-four family) 29,960 $4,841,834,000 $183,500 $4,000,000 $73,520 $4,826,000
Home Purchase (one-to-four family) 7,627 $1,354,620,000 $201,697 $5,000,000 $69,116 $4,725,000
Home Improvement (one-to-four family) 1,027 $38,257,000 $36,125 $500,000 $61,625 $600,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 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 26,939 $4,183,704,000 $161,765 $5,000,000 $86,574 $4,826,000
Information not provided by applicant in mail or telephone application 6,013 $970,696,000 $154,317 $2,500,000 $81,024 $3,275,000
Hispanic 1,884 $250,199,000 $124,272 $480,000 $54,969 $415,000
Not applicable 1,388 $487,148,000 $388,702 $1,026,000 $0 $0
Black 1,309 $158,421,000 $136,866 $3,000,000 $63,266 $2,141,000
Asian or Pacific Islander 762 $135,723,000 $184,419 $3,000,000 $93,935 $2,196,000
Other 217 $32,341,000 $157,448 $685,000 $68,620 $325,000
American Indian or Alaskan Native 102 $16,479,000 $189,045 $1,650,000 $82,454 $1,068,000

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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 35,671 $5,846,811,000 $184,791 $5,000,000 $75,291 $4,826,000
FHA-insured (Federal Housing Administration) 2,877 $377,818,000 $119,041 $441,000 $37,291 $1,254,000
VA-guaranteed (Veterans Administration) 66 $10,082,000 $142,357 $240,000 $43,642 $100,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 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 Originated 27,806 $4,254,801,000 $151,840 $3,495,000 $80,818 $4,826,000
Application Approved But Not Accepted 4,430 $738,148,000 $158,547 $3,500,000 $75,642 $3,076,000
Application Denied By Financial Institution 3,461 $499,926,000 $176,875 $3,000,000 $77,525 $2,490,000
Loan Purchased By The Institution 1,388 $487,148,000 $388,702 $1,026,000 $0 $0
File Closed For Incompleteness 810 $138,465,000 $176,294 $5,000,000 $76,970 $4,725,000
Application Withdrawn By Applicant 719 $116,223,000 $164,687 $1,500,000 $84,531 $1,174,000

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 1,430 $194,643,000 $165,361 $1,200,000 $51,444 $754,000
Credit History 1,076 $146,589,000 $146,294 $1,025,000 $76,117 $900,000
Collateral 452 $62,720,000 $210,166 $3,000,000 $103,566 $1,657,000
Other 272 $49,829,000 $224,533 $2,335,000 $131,966 $2,490,000
Insufficient Cash (Downpayment, Closing Cost) 88 $21,909,000 $227,590 $2,400,000 $91,727 $732,000
Unverifiable Information 59 $9,548,000 $156,764 $483,000 $43,176 $300,000
Employment History 49 $7,735,000 $159,500 $910,000 $37,062 $157,000
Mortgage Insurance Denied 31 $4,028,000 $118,615 $347,000 $76,769 $223,000
Credit Application Incomplete 4 $2,925,000 $731,000 $2,500,000 $227,000 $594,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Webster Bank's 2003 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 Webster Bank'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.
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