Webster Bank, N.A. Mortgage Lending & HMDA Data, 2010
In 2010, Webster Bank, N.A. of Waterbury, CT reported 9,509 mortgage applications totaling $2.0 billion, up 14% from 2009. The average application was for $213,014, and applicants reported an average income of $113,213. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Hartford-West Hartford-East Hartford, CT (3,299), New Haven-Milford, CT (1,710) and Providence-New Bedford-Fall River, RI-MA (1,532) (applications in parentheses).
| Mortgage Company & Address | Webster Bank, N.A. 145 Bank St Waterbury, CT 06702 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 9,509 |
| Total Mortgage Loan Application Amount | $2,025,559,000 |
| Average Mortgage Loan Application Amount | $213,014 |
| Highest Mortgage Loan Application Amount | $24,500,000 |
| Average Applicant Income | $113,213 |
| Highest Applicant Income | $3,652,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Webster Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hartford, Connecticut | 2,776 | $ 435,173,000 | $ 156,762 | $ 94,000 |
| New Haven, Connecticut | 1,710 | $ 295,433,000 | $ 172,767 | $ 95,000 |
| Fairfield, Connecticut | 990 | $ 353,201,000 | $ 356,768 | $ 169,000 |
| Bristol, Massachusetts | 746 | $ 116,508,000 | $ 156,176 | $ 84,000 |
| Litchfield, Connecticut | 628 | $ 120,160,000 | $ 191,337 | $ 115,000 |
| Middlesex, Connecticut | 324 | $ 72,685,000 | $ 224,336 | $ 133,000 |
| Providence, Rhode Island | 258 | $ 42,672,000 | $ 165,395 | $ 90,000 |
| New London, Connecticut | 200 | $ 45,820,000 | $ 229,100 | $ 129,000 |
| Tolland, Connecticut | 199 | $ 37,426,000 | $ 188,070 | $ 103,000 |
| Washington, Rhode Island | 197 | $ 49,224,000 | $ 249,868 | $ 133,000 |
| Westchester, New York | 190 | $ 84,086,000 | $ 442,557 | $ 204,000 |
| Hampden, Massachusetts | 187 | $ 28,423,000 | $ 151,994 | $ 78,000 |
| Kent, Rhode Island | 161 | $ 30,307,000 | $ 188,242 | $ 103,000 |
| Plymouth, Massachusetts | 139 | $ 26,313,000 | $ 189,302 | $ 92,000 |
| Newport, Rhode Island | 96 | $ 26,035,000 | $ 271,197 | $ 145,000 |
| Bristol, Rhode Island | 74 | $ 17,547,000 | $ 237,121 | $ 131,000 |
| Worcester, Massachusetts | 65 | $ 12,767,000 | $ 196,415 | $ 116,000 |
| Suffolk, New York | 58 | $ 37,490,000 | $ 646,379 | $ 358,000 |
| Middlesex, Massachusetts | 49 | $ 36,660,000 | $ 748,163 | $ 157,000 |
| Barnstable, Massachusetts | 41 | $ 9,844,000 | $ 240,097 | $ 173,000 |
| Norfolk, Massachusetts | 40 | $ 8,959,000 | $ 223,975 | $ 145,000 |
| Windham, Connecticut | 23 | $ 4,103,000 | $ 178,391 | $ 97,000 |
| Essex, Massachusetts | 21 | $ 5,536,000 | $ 263,619 | $ 116,000 |
| Suffolk, Massachusetts | 19 | $ 6,163,000 | $ 324,368 | $ 176,000 |
| Dukes, Massachusetts | 17 | $ 9,137,000 | $ 537,470 | $ 98,000 |
| Bronx, New York | 13 | $ 4,395,000 | $ 338,076 | $ 131,000 |
| Nassau, New York | 13 | $ 6,972,000 | $ 536,307 | $ 282,000 |
| Berkshire, Massachusetts | 11 | $ 2,682,000 | $ 243,818 | $ 149,000 |
| Dutchess, New York | 10 | $ 2,838,000 | $ 283,800 | $ 237,000 |
| New York, New York | 8 | $ 7,023,000 | $ 877,875 | $ 451,000 |
| Putnam, New York | 7 | $ 3,258,000 | $ 465,428 | $ 218,000 |
| Hampshire, Massachusetts | 5 | $ 764,000 | $ 152,800 | $ 103,000 |
| Rockland, New York | 5 | $ 1,313,000 | $ 262,600 | $ 123,000 |
| Palm Beach, Florida | 4 | $ 1,200,000 | $ 300,000 | $ 349,000 |
| Windsor, Vermont | 4 | $ 940,000 | $ 235,000 | $ 627,000 |
| Lee, Florida | 3 | $ 496,000 | $ 165,333 | $ 202,000 |
| Grafton, New Hampshire | 3 | $ 642,000 | $ 214,000 | $ 161,000 |
| Hillsborough, New Hampshire | 3 | $ 618,000 | $ 206,000 | $ 89,000 |
| Rockingham, New Hampshire | 3 | $ 508,000 | $ 169,333 | $ 0 |
| Erie, New York | 3 | $ 842,000 | $ 280,666 | $ 186,000 |
| Orange, New York | 3 | $ 3,528,000 | $ 1,176,000 | $ 703,000 |
| Queens, New York | 3 | $ 1,007,000 | $ 335,666 | $ 239,000 |
| Richmond, New York | 3 | $ 823,000 | $ 274,333 | $ 318,000 |
| Windham, Vermont | 3 | $ 777,000 | $ 259,000 | $ 259,000 |
| Collier, Florida | 2 | $ 920,000 | $ 460,000 | $ 369,000 |
| Kennebec, Maine | 2 | $ 459,000 | $ 229,500 | $ 167,000 |
| Oxford, Maine | 2 | $ 272,000 | $ 136,000 | $ 55,000 |
| York, Maine | 2 | $ 394,000 | $ 197,000 | $ 162,000 |
| Franklin, Massachusetts | 2 | $ 355,000 | $ 177,500 | $ 23,000 |
| Nantucket, Massachusetts | 2 | $ 751,000 | $ 375,500 | $ 105,000 |
| Carroll, New Hampshire | 2 | $ 243,000 | $ 121,500 | $ 227,000 |
| Bergen, New Jersey | 2 | $ 974,000 | $ 487,000 | $ 243,000 |
| Kings, New York | 2 | $ 1,804,000 | $ 902,000 | $ 277,000 |
| Warren, New York | 2 | $ 323,000 | $ 161,500 | $ 65,000 |
| Rutland, Vermont | 2 | $ 326,000 | $ 163,000 | $ 208,000 |
| Los Angeles, California | 1 | $ 500,000 | $ 500,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 1,675,000 | $ 1,675,000 | $ 0 |
| Brevard, Florida | 1 | $ 186,000 | $ 186,000 | $ 57,000 |
| Martin, Florida | 1 | $ 417,000 | $ 417,000 | $ 137,000 |
| Miami-Dade, Florida | 1 | $ 2,510,000 | $ 2,510,000 | $ 1,673,000 |
| Sarasota, Florida | 1 | $ 215,000 | $ 215,000 | $ 600,000 |
| Sumter, Florida | 1 | $ 139,000 | $ 139,000 | $ 53,000 |
| Fulton, Georgia | 1 | $ 121,000 | $ 121,000 | $ 227,000 |
| Cumberland, Maine | 1 | $ 157,000 | $ 157,000 | $ 144,000 |
| Penobscot, Maine | 1 | $ 133,000 | $ 133,000 | $ 37,000 |
| Piscataquis, Maine | 1 | $ 124,000 | $ 124,000 | $ 121,000 |
| Somerset, Maine | 1 | $ 122,000 | $ 122,000 | $ 58,000 |
| Chippewa, Michigan | 1 | $ 53,000 | $ 53,000 | $ 119,000 |
| Belknap, New Hampshire | 1 | $ 140,000 | $ 140,000 | $ 188,000 |
| Coos, New Hampshire | 1 | $ 90,000 | $ 90,000 | $ 12,000 |
| Sullivan, New Hampshire | 1 | $ 85,000 | $ 85,000 | $ 99,000 |
| Cape May, New Jersey | 1 | $ 265,000 | $ 265,000 | $ 777,000 |
| Essex, New Jersey | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Monmouth, New Jersey | 1 | $ 779,000 | $ 779,000 | $ 292,000 |
| Morris, New Jersey | 1 | $ 650,000 | $ 650,000 | $ 446,000 |
| Ocean, New Jersey | 1 | $ 960,000 | $ 960,000 | $ 383,000 |
| Union, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 259,000 | $ 259,000 | $ 60,000 |
| Greene, New York | 1 | $ 300,000 | $ 300,000 | $ 113,000 |
| Saratoga, New York | 1 | $ 220,000 | $ 220,000 | $ 198,000 |
| Ulster, New York | 1 | $ 113,000 | $ 113,000 | $ 180,000 |
| Yates, New York | 1 | $ 28,000 | $ 28,000 | $ 140,000 |
| Brunswick, North Carolina | 1 | $ 625,000 | $ 625,000 | $ 662,000 |
| Carbon, Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 161,000 |
| Philadelphia, Pennsylvania | 1 | $ 24,500,000 | $ 24,500,000 | $ 0 |
| Washington, Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Shelby, Tennessee | 1 | $ 134,000 | $ 134,000 | $ 252,000 |
| Fort Bend, Texas | 1 | $ 286,000 | $ 286,000 | $ 155,000 |
| Summit, Utah | 1 | $ 855,000 | $ 855,000 | $ 252,000 |
| Bennington, Vermont | 1 | $ 440,000 | $ 440,000 | $ 568,000 |
| Caledonia, Vermont | 1 | $ 50,000 | $ 50,000 | $ 91,000 |
| Orleans, Vermont | 1 | $ 63,000 | $ 63,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Webster Bank, N.A. in 2010
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 | 6,026 | $1,348,187,000 | $223,000 | $2,975,000 | $119,000 | $3,652,000 |
| Home Purchase | 1,932 | $520,077,000 | $269,000 | $24,500,000 | $113,000 | $2,340,000 |
| Home Improvement | 1,551 | $157,295,000 | $101,000 | $1,800,000 | $91,000 | $1,535,000 |
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 | 7,443 | $1,512,887,000 | $203,000 | $2,975,000 | $113,000 | $3,652,000 |
| Not Provided | 1,123 | $290,766,000 | $258,000 | $3,000,000 | $140,000 | $2,340,000 |
| Hispanic | 337 | $43,351,000 | $128,000 | $924,000 | $66,000 | $300,000 |
| Black or African American | 273 | $35,756,000 | $130,000 | $525,000 | $73,000 | $791,000 |
| Asian | 223 | $58,064,000 | $260,000 | $1,500,000 | $129,000 | $1,300,000 |
| Not applicable | 72 | $76,518,000 | $1,062,000 | $24,500,000 | $0 | $19,000 |
| American Indian or Alaskan Native | 21 | $2,848,000 | $135,000 | $476,000 | $74,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $5,369,000 | $315,000 | $625,000 | $172,000 | $429,000 |
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) | 8,843 | $1,891,468,000 | $213,000 | $24,500,000 | $117,000 | $3,652,000 |
| FHA-insured (Federal Housing Administration) | 646 | $129,136,000 | $199,000 | $639,000 | $61,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,955,000 | $247,000 | $411,000 | $84,000 | $167,000 |
| 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 | 5,720 | $1,213,659,000 | $212,000 | $24,500,000 | $119,000 | $3,652,000 |
| Application Denied By Financial Institution | 1,964 | $400,720,000 | $204,000 | $2,500,000 | $93,000 | $1,535,000 |
| Application Approved But Not Accepted | 950 | $219,858,000 | $231,000 | $3,000,000 | $126,000 | $2,340,000 |
| Application Withdrawn By Applicant | 509 | $111,135,000 | $218,000 | $2,975,000 | $119,000 | $1,000,000 |
| File Closed For Incompleteness | 231 | $51,237,000 | $221,000 | $1,500,000 | $107,000 | $1,000,000 |
| Preapproval Denied by Financial Institution | 135 | $28,950,000 | $214,000 | $2,000,000 | $74,000 | $1,005,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 709 | $162,112,000 | $228,000 | $2,500,000 | $65,000 | $753,000 |
| Collateral | 645 | $142,882,000 | $221,000 | $1,750,000 | $121,000 | $1,120,000 |
| Credit History | 521 | $75,026,000 | $144,000 | $1,315,000 | $85,000 | $1,535,000 |
| Other | 147 | $32,852,000 | $223,000 | $2,400,000 | $113,000 | $1,019,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $11,824,000 | $281,000 | $1,250,000 | $128,000 | $592,000 |
| Unverifiable Information | 23 | $1,990,000 | $86,000 | $360,000 | $53,000 | $252,000 |
| Employment History | 9 | $2,507,000 | $278,000 | $720,000 | $76,000 | $358,000 |
| Mortgage Insurance Denied | 3 | $477,000 | $159,000 | $206,000 | $60,000 | $75,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Webster Bank, N.A.'s 2010 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, N.A.'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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