Webster Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Webster Bank, N.A. 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 20,598 |
| Total Mortgage Loan Application Amount | $3,947,544,000 |
| Average Mortgage Loan Application Amount | $193,040 |
| Highest Mortgage Loan Application Amount | $29,140,000 |
| Average Applicant Income | $75,040 |
| Highest Applicant Income | $3,878,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Webster Bank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Webster Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Webster Bank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Webster Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Webster Bank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Webster Bank, N.A.'s mortgage activity for 2005.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 3,801 | $ 539,128,000 | $ 141,000 | $ 64,000 |
| NEW HAVEN-MILFORD, CT | 2,208 | $ 344,158,000 | $ 155,000 | $ 61,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 1,006 | $ 201,613,000 | $ 200,000 | $ 63,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 924 | $ 301,640,000 | $ 326,000 | $ 106,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 820 | $ 163,053,000 | $ 198,000 | $ 74,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 768 | $ 160,230,000 | $ 208,000 | $ 93,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 426 | $ 67,887,000 | $ 159,000 | $ 52,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 416 | $ 89,690,000 | $ 215,000 | $ 59,000 |
| GARY, IN | 401 | $ 51,282,000 | $ 127,000 | $ 56,000 |
| BOSTON-QUINCY, MA | 372 | $ 118,417,000 | $ 318,000 | $ 86,000 |
| SPRINGFIELD, MA | 337 | $ 50,984,000 | $ 151,000 | $ 63,000 |
| ROCHESTER, NY | 332 | $ 39,898,000 | $ 120,000 | $ 71,000 |
| NORWICH-NEW LONDON, CT | 324 | $ 63,416,000 | $ 195,000 | $ 79,000 |
| WORCESTER, MA | 302 | $ 58,088,000 | $ 192,000 | $ 63,000 |
| TACOMA, WA | 219 | $ 38,773,000 | $ 177,000 | $ 52,000 |
| BREMERTON-SILVERDALE, WA | 205 | $ 40,064,000 | $ 195,000 | $ 61,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 195 | $ 33,020,000 | $ 169,000 | $ 90,000 |
| SALEM, OR | 194 | $ 27,244,000 | $ 140,000 | $ 53,000 |
| NEW YORK-WAYNE-WHITE PLAINS, NY-NJ | 182 | $ 107,117,000 | $ 588,000 | $ 234,000 |
| NASSAU-SUFFOLK, NY | 180 | $ 146,835,000 | $ 815,000 | $ 355,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 173 | $ 65,028,000 | $ 375,000 | $ 112,000 |
| PRESCOTT, AZ | 166 | $ 31,202,000 | $ 187,000 | $ 86,000 |
| BUFFALO-NIAGARA FALLS, NY | 164 | $ 19,184,000 | $ 116,000 | $ 62,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 151 | $ 28,576,000 | $ 189,000 | $ 65,000 |
| MANCHESTER-NASHUA, NH | 141 | $ 28,212,000 | $ 200,000 | $ 57,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 124 | $ 25,998,000 | $ 209,000 | $ 62,000 |
| BARNSTABLE TOWN, MA | 101 | $ 25,773,000 | $ 255,000 | $ 131,000 |
| ESSEX COUNTY, MA | 101 | $ 29,806,000 | $ 295,000 | $ 103,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 97 | $ 18,353,000 | $ 189,000 | $ 83,000 |
| OLYMPIA, WA | 78 | $ 12,359,000 | $ 158,000 | $ 50,000 |
| BALTIMORE-TOWSON, MD | 70 | $ 18,892,000 | $ 269,000 | $ 73,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 66 | $ 18,947,000 | $ 287,000 | $ 78,000 |
| EDISON, NJ | 64 | $ 21,981,000 | $ 343,000 | $ 110,000 |
| COEUR D'ALENE, ID | 60 | $ 10,333,000 | $ 172,000 | $ 60,000 |
| COLUMBUS, OH | 60 | $ 10,278,000 | $ 171,000 | $ 29,000 |
| SALT LAKE CITY, UT | 60 | $ 9,455,000 | $ 157,000 | $ 65,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 53 | $ 6,287,000 | $ 118,000 | $ 106,000 |
| ALBANY-SCHENECTADY-TROY, NY | 51 | $ 8,275,000 | $ 162,000 | $ 77,000 |
| BOISE CITY-NAMPA, ID | 50 | $ 7,339,000 | $ 146,000 | $ 58,000 |
| ST. GEORGE, UT | 50 | $ 12,475,000 | $ 249,000 | $ 67,000 |
| BILLINGS, MT | 49 | $ 5,229,000 | $ 106,000 | $ 69,000 |
| INDIANAPOLIS, IN | 49 | $ 6,537,000 | $ 133,000 | $ 63,000 |
| PITTSFIELD, MA | 49 | $ 6,823,000 | $ 139,000 | $ 65,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 45 | $ 8,584,000 | $ 190,000 | $ 91,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 45 | $ 9,558,000 | $ 212,000 | $ 82,000 |
| NEWARK-UNION, NJ-PA | 43 | $ 18,175,000 | $ 422,000 | $ 163,000 |
| DENVER-AURORA, CO | 41 | $ 7,090,000 | $ 172,000 | $ 79,000 |
| SPOKANE, WA | 41 | $ 5,237,000 | $ 127,000 | $ 41,000 |
| YAKIMA, WA | 39 | $ 4,130,000 | $ 105,000 | $ 68,000 |
| PHILADELPHIA, PA | 35 | $ 6,562,000 | $ 187,000 | $ 71,000 |
| TOLEDO, OH | 35 | $ 3,342,000 | $ 95,000 | $ 61,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 32 | $ 8,673,000 | $ 271,000 | $ 11,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 30 | $ 4,226,000 | $ 140,000 | $ 76,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 30 | $ 4,502,000 | $ 150,000 | $ 55,000 |
| CANTON-MASSILLON, OH | 28 | $ 3,011,000 | $ 107,000 | $ 50,000 |
| GRAND RAPIDS-WYOMING, MI | 27 | $ 4,029,000 | $ 149,000 | $ 53,000 |
| LONGVIEW, WA | 27 | $ 3,793,000 | $ 140,000 | $ 53,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 27 | $ 5,213,000 | $ 193,000 | $ 103,000 |
| SARASOTA-BRADENTON-VENICE, FL | 26 | $ 4,394,000 | $ 169,000 | $ 65,000 |
| TUCSON, AZ | 26 | $ 5,264,000 | $ 202,000 | $ 97,000 |
| BELLINGHAM, WA | 24 | $ 4,267,000 | $ 177,000 | $ 57,000 |
| COLUMBIA, MO | 24 | $ 1,941,000 | $ 80,000 | $ 50,000 |
| LAS VEGAS-PARADISE, NV | 24 | $ 5,960,000 | $ 248,000 | $ 79,000 |
| AKRON, OH | 23 | $ 2,999,000 | $ 130,000 | $ 50,000 |
| EUGENE-SPRINGFIELD, OR | 23 | $ 4,219,000 | $ 183,000 | $ 59,000 |
| MISSOULA, MT | 23 | $ 2,812,000 | $ 122,000 | $ 103,000 |
| OGDEN-CLEARFIELD, UT | 23 | $ 3,165,000 | $ 137,000 | $ 78,000 |
| ANDERSON, IN | 22 | $ 2,113,000 | $ 96,000 | $ 51,000 |
| ORLANDO, FL | 22 | $ 4,723,000 | $ 214,000 | $ 102,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 21 | $ 2,687,000 | $ 127,000 | $ 62,000 |
| GREENVILLE, SC | 21 | $ 2,448,000 | $ 116,000 | $ 74,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 21 | $ 6,177,000 | $ 294,000 | $ 95,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 20 | $ 5,161,000 | $ 258,000 | $ 52,000 |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY | 20 | $ 7,185,000 | $ 359,000 | $ 165,000 |
| BETHESDA-FREDERICK-GAITHERSBURG, MD | 19 | $ 8,716,000 | $ 458,000 | $ 160,000 |
| MICHIGAN CITY-LA PORTE, IN | 18 | $ 2,095,000 | $ 116,000 | $ 53,000 |
| PUNTA GORDA, FL | 18 | $ 2,943,000 | $ 163,000 | $ 76,000 |
| ST. LOUIS, MO-IL | 18 | $ 2,935,000 | $ 163,000 | $ 71,000 |
| WARREN-FARMINGTON HILLS-TROY, MI | 18 | $ 4,092,000 | $ 227,000 | $ 85,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 15 | $ 3,136,000 | $ 209,000 | $ 85,000 |
| COLORADO SPRINGS, CO | 15 | $ 2,413,000 | $ 160,000 | $ 40,000 |
| MOUNT VERNON-ANACORTES, WA | 15 | $ 3,076,000 | $ 205,000 | $ 58,000 |
| ROCKFORD, IL | 15 | $ 1,518,000 | $ 101,000 | $ 36,000 |
| YORK-HANOVER, PA | 15 | $ 1,735,000 | $ 115,000 | $ 49,000 |
| RALEIGH-CARY, NC | 14 | $ 3,284,000 | $ 234,000 | $ 96,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 14 | $ 5,207,000 | $ 371,000 | $ 124,000 |
| CAMDEN, NJ | 13 | $ 1,898,000 | $ 146,000 | $ 69,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 13 | $ 3,513,000 | $ 270,000 | $ 124,000 |
| GREENVILLE, NC | 13 | $ 1,539,000 | $ 118,000 | $ 69,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 13 | $ 5,205,000 | $ 400,000 | $ 113,000 |
| OKLAHOMA CITY, OK | 13 | $ 2,173,000 | $ 167,000 | $ 128,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 13 | $ 4,989,000 | $ 383,000 | $ 119,000 |
| UTICA-ROME, NY | 13 | $ 1,948,000 | $ 149,000 | $ 68,000 |
| WILMINGTON, DE-MD-NJ | 13 | $ 2,354,000 | $ 181,000 | $ 85,000 |
| LANSING-EAST LANSING, MI | 12 | $ 1,977,000 | $ 164,000 | $ 77,000 |
| ROCHESTER, MN | 12 | $ 1,105,000 | $ 92,000 | $ 41,000 |
| SYRACUSE, NY | 12 | $ 1,269,000 | $ 105,000 | $ 49,000 |
| TRENTON-EWING, NJ | 12 | $ 1,726,000 | $ 143,000 | $ 68,000 |
| ALBUQUERQUE, NM | 11 | $ 1,966,000 | $ 178,000 | $ 47,000 |
| BEND, OR | 11 | $ 2,310,000 | $ 210,000 | $ 135,000 |
| KINGSTON, NY | 11 | $ 2,806,000 | $ 255,000 | $ 88,000 |
| HICKORY-LENOIR-MORGANTON, NC | 10 | $ 1,307,000 | $ 130,000 | $ 60,000 |
| KANKAKEE-BRADLEY, IL | 10 | $ 1,297,000 | $ 129,000 | $ 55,000 |
| LEWISTON-AUBURN, ME | 10 | $ 1,286,000 | $ 128,000 | $ 59,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC | 10 | $ 1,799,000 | $ 179,000 | $ 74,000 |
| WINSTON-SALEM, NC | 10 | $ 653,000 | $ 65,000 | $ 57,000 |
| ATLANTIC CITY, NJ | 9 | $ 2,340,000 | $ 260,000 | $ 157,000 |
| CHATTANOOGA, TN-GA | 9 | $ 1,201,000 | $ 133,000 | $ 55,000 |
| OCALA, FL | 9 | $ 1,118,000 | $ 124,000 | $ 58,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 9 | $ 2,389,000 | $ 265,000 | $ 108,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 8 | $ 1,439,000 | $ 179,000 | $ 62,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 8 | $ 818,000 | $ 102,000 | $ 45,000 |
| GLENS FALLS, NY | 8 | $ 971,000 | $ 121,000 | $ 49,000 |
| GREENSBORO-HIGH POINT, NC | 8 | $ 1,269,000 | $ 158,000 | $ 131,000 |
| PROVO-OREM, UT | 8 | $ 1,337,000 | $ 167,000 | $ 74,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 8 | $ 2,017,000 | $ 252,000 | $ 60,000 |
| SCRANTON--WILKES-BARRE, PA | 8 | $ 591,000 | $ 73,000 | $ 48,000 |
| COLUMBIA, SC | 7 | $ 562,000 | $ 80,000 | $ 66,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 7 | $ 845,000 | $ 120,000 | $ 32,000 |
| NAPLES-MARCO ISLAND, FL | 7 | $ 10,547,000 | $ 1,506,000 | $ 452,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 7 | $ 2,500,000 | $ 357,000 | $ 85,000 |
| SPARTANBURG, SC | 7 | $ 797,000 | $ 113,000 | $ 62,000 |
| TOPEKA, KS | 7 | $ 543,000 | $ 77,000 | $ 59,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 7 | $ 1,178,000 | $ 168,000 | $ 65,000 |
| BAKERSFIELD, CA | 6 | $ 1,493,000 | $ 248,000 | $ 75,000 |
| CAPE CORAL-FORT MYERS, FL | 6 | $ 986,000 | $ 164,000 | $ 22,000 |
| DURHAM, NC | 6 | $ 610,000 | $ 101,000 | $ 50,000 |
| ELMIRA, NY | 6 | $ 675,000 | $ 112,000 | $ 47,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 1,584,000 | $ 264,000 | $ 101,000 |
| HOUSTON-BAYTOWN-SUGAR LAND, TX | 6 | $ 1,827,000 | $ 304,000 | $ 77,000 |
| JACKSONVILLE, FL | 6 | $ 1,045,000 | $ 174,000 | $ 70,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 6 | $ 1,843,000 | $ 307,000 | $ 151,000 |
| PITTSBURGH, PA | 6 | $ 909,000 | $ 151,000 | $ 72,000 |
| PORT ST. LUCIE-FORT PIERCE, FL | 6 | $ 1,130,000 | $ 188,000 | $ 90,000 |
| READING, PA | 6 | $ 973,000 | $ 162,000 | $ 47,000 |
| ANCHORAGE, AK | 5 | $ 931,000 | $ 186,000 | $ 49,000 |
| ANDERSON, SC | 5 | $ 728,000 | $ 145,000 | $ 96,000 |
| DES MOINES, IA | 5 | $ 625,000 | $ 125,000 | $ 78,000 |
| HOLLAND-GRAND HAVEN, MI | 5 | $ 691,000 | $ 138,000 | $ 50,000 |
| JOPLIN, MO | 5 | $ 301,000 | $ 60,000 | $ 45,000 |
| LA CROSSE, WI-MN | 5 | $ 929,000 | $ 185,000 | $ 0 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 5 | $ 2,120,000 | $ 424,000 | $ 153,000 |
| BINGHAMTON, NY | 4 | $ 395,000 | $ 98,000 | $ 152,000 |
| CORVALLIS, OR | 4 | $ 750,000 | $ 187,000 | $ 44,000 |
| DALLAS-PLANO-IRVING, TX | 4 | $ 921,000 | $ 230,000 | $ 86,000 |
| FLAGSTAFF, AZ | 4 | $ 721,000 | $ 180,000 | $ 74,000 |
| FORT COLLINS-LOVELAND, CO | 4 | $ 959,000 | $ 239,000 | $ 94,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 4 | $ 1,166,000 | $ 291,000 | $ 163,000 |
| OCEAN CITY, NJ | 4 | $ 1,812,000 | $ 453,000 | $ 297,000 |
| RACINE, WI | 4 | $ 285,000 | $ 71,000 | $ 6,000 |
| VALLEJO-FAIRFIELD, CA | 4 | $ 914,000 | $ 228,000 | $ 45,000 |
| VERO BEACH, FL | 4 | $ 1,054,000 | $ 263,000 | $ 133,000 |
| YUMA, AZ | 4 | $ 441,000 | $ 110,000 | $ 43,000 |
| AUSTIN-ROUND ROCK, TX | 3 | $ 645,000 | $ 215,000 | $ 67,000 |
| DAYTON, OH | 3 | $ 669,000 | $ 223,000 | $ 82,000 |
| FAIRBANKS, AK | 3 | $ 415,000 | $ 138,000 | $ 22,000 |
| GAINESVILLE, FL | 3 | $ 586,000 | $ 195,000 | $ 184,000 |
| GREELEY, CO | 3 | $ 374,000 | $ 124,000 | $ 21,000 |
| JACKSON, MI | 3 | $ 452,000 | $ 150,000 | $ 12,000 |
| LAKELAND, FL | 3 | $ 428,000 | $ 142,000 | $ 51,000 |
| LOUISVILLE, KY-IN | 3 | $ 484,000 | $ 161,000 | $ 53,000 |
| MEDFORD, OR | 3 | $ 642,000 | $ 214,000 | $ 61,000 |
| REDDING, CA | 3 | $ 750,000 | $ 250,000 | $ 66,000 |
| STOCKTON, CA | 3 | $ 1,016,000 | $ 338,000 | $ 70,000 |
| WENATCHEE, WA | 3 | $ 408,000 | $ 136,000 | $ 33,000 |
| WILMINGTON, NC | 3 | $ 267,000 | $ 89,000 | $ 55,000 |
| ANN ARBOR, MI | 2 | $ 277,000 | $ 138,000 | $ 14,000 |
| ASHEVILLE, NC | 2 | $ 402,000 | $ 201,000 | $ 61,000 |
| BURLINGTON, NC | 2 | $ 258,000 | $ 129,000 | $ 118,000 |
| CHARLOTTESVILLE, VA | 2 | $ 625,000 | $ 312,000 | $ 190,000 |
| CHEYENNE, WY | 2 | $ 100,000 | $ 50,000 | $ 22,000 |
| DECATUR, IL | 2 | $ 164,000 | $ 82,000 | $ 46,000 |
| GRAND JUNCTION, CO | 2 | $ 320,000 | $ 160,000 | $ 0 |
| HANFORD-CORCORAN, CA | 2 | $ 522,000 | $ 261,000 | $ 96,000 |
| LAFAYETTE, IN | 2 | $ 186,000 | $ 93,000 | $ 92,000 |
| LANCASTER, PA | 2 | $ 226,000 | $ 113,000 | $ 39,000 |
| MERCED, CA | 2 | $ 536,000 | $ 268,000 | $ 99,000 |
| MUNCIE, IN | 2 | $ 212,000 | $ 106,000 | $ 67,000 |
| NAPA, CA | 2 | $ 311,000 | $ 155,000 | $ 46,000 |
| NILES-BENTON HARBOR, MI | 2 | $ 78,000 | $ 39,000 | $ 21,000 |
| RICHMOND, VA | 2 | $ 404,000 | $ 202,000 | $ 0 |
| ROANOKE, VA | 2 | $ 467,000 | $ 233,000 | $ 15,000 |
| SANDUSKY, OH | 2 | $ 226,000 | $ 113,000 | $ 80,000 |
| WICHITA, KS | 2 | $ 269,000 | $ 134,000 | $ 67,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 2 | $ 222,000 | $ 111,000 | $ 17,000 |
| BANGOR, ME | 1 | $ 224,000 | $ 224,000 | $ 88,000 |
| BATON ROUGE, LA | 1 | $ 69,000 | $ 69,000 | $ 65,000 |
| BATTLE CREEK, MI | 1 | $ 170,000 | $ 170,000 | $ 0 |
| BRUNSWICK, GA | 1 | $ 294,000 | $ 294,000 | $ 180,000 |
| CASPER, WY | 1 | $ 99,000 | $ 99,000 | $ 40,000 |
| CHAMPAIGN-URBANA, IL | 1 | $ 18,000 | $ 18,000 | $ 32,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 1 | $ 356,000 | $ 356,000 | $ 0 |
| CLEVELAND, TN | 1 | $ 390,000 | $ 390,000 | $ 0 |
| COLUMBUS, IN | 1 | $ 149,000 | $ 149,000 | $ 42,000 |
| DANVILLE, IL | 1 | $ 49,000 | $ 49,000 | $ 32,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 96,000 | $ 96,000 | $ 0 |
| DOVER, DE | 1 | $ 263,000 | $ 263,000 | $ 95,000 |
| EL PASO, TX | 1 | $ 113,000 | $ 113,000 | $ 48,000 |
| FAYETTEVILLE, NC | 1 | $ 81,000 | $ 81,000 | $ 78,000 |
| FLINT, MI | 1 | $ 239,000 | $ 239,000 | $ 190,000 |
| FLORENCE, SC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| FOND DU LAC, WI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| GAINESVILLE, GA | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| GREAT FALLS, MT | 1 | $ 78,000 | $ 78,000 | $ 67,000 |
| GREEN BAY, WI | 1 | $ 98,000 | $ 98,000 | $ 0 |
| HARRISBURG-CARLISLE, PA | 1 | $ 79,000 | $ 79,000 | $ 52,000 |
| HONOLULU, HI | 1 | $ 243,000 | $ 243,000 | $ 43,000 |
| IDAHO FALLS, ID | 1 | $ 172,000 | $ 172,000 | $ 87,000 |
| IOWA CITY, IA | 1 | $ 90,000 | $ 90,000 | $ 0 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 84,000 | $ 84,000 | $ 88,000 |
| KNOXVILLE, TN | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| LYNCHBURG, VA | 1 | $ 169,000 | $ 169,000 | $ 130,000 |
| MANSFIELD, OH | 1 | $ 92,000 | $ 92,000 | $ 58,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 107,000 | $ 107,000 | $ 62,000 |
| MODESTO, CA | 1 | $ 200,000 | $ 200,000 | $ 43,000 |
| MONROE, MI | 1 | $ 160,000 | $ 160,000 | $ 43,000 |
| MUSKEGON-NORTON SHORES, MI | 1 | $ 67,000 | $ 67,000 | $ 44,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 450,000 | $ 450,000 | $ 0 |
| OSHKOSH-NEENAH, WI | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| PANAMA CITY-LYNN HAVEN, FL | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 169,000 | $ 169,000 | $ 56,000 |
| PEORIA, IL | 1 | $ 102,000 | $ 102,000 | $ 44,000 |
| POCATELLO, ID | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| PUEBLO, CO | 1 | $ 37,000 | $ 37,000 | $ 99,000 |
| RENO-SPARKS, NV | 1 | $ 472,000 | $ 472,000 | $ 0 |
| SALINAS, CA | 1 | $ 800,000 | $ 800,000 | $ 230,000 |
| SAN ANTONIO, TX | 1 | $ 134,000 | $ 134,000 | $ 0 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 1 | $ 317,000 | $ 317,000 | $ 80,000 |
| SANTA FE, NM | 1 | $ 221,000 | $ 221,000 | $ 84,000 |
| SANTA ROSA-PETALUMA, CA | 1 | $ 624,000 | $ 624,000 | $ 102,000 |
| SIOUX FALLS, SD | 1 | $ 92,000 | $ 92,000 | $ 82,000 |
| SPRINGFIELD, IL | 1 | $ 208,000 | $ 208,000 | $ 84,000 |
| SPRINGFIELD, MO | 1 | $ 280,000 | $ 280,000 | $ 226,000 |
| SUMTER, SC | 1 | $ 223,000 | $ 223,000 | $ 96,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 289,000 | $ 289,000 | $ 113,000 |
| WAUSAU, WI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| WINCHESTER, VA-WV | 1 | $ 352,000 | $ 352,000 | $ 65,000 |
| YUBA CITY, CA | 1 | $ 297,000 | $ 297,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for Webster Bank, N.A. in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 9,173 | $1,967,685,000 | $185,260 | $29,140,000 | $80,847 | $3,878,000 |
| Refinancing | 9,038 | $1,669,263,000 | $178,586 | $3,234,000 | $61,043 | $2,887,000 |
| Home Improvement | 2,387 | $310,596,000 | $224,030 | $3,500,000 | $86,454 | $2,400,000 |
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 | 15,114 | $2,883,958,000 | $188,489 | $8,000,000 | $75,673 | $3,878,000 |
| Not Provided | 2,150 | $444,660,000 | $206,368 | $3,500,000 | $88,105 | $1,962,000 |
| Hispanic | 1,193 | $187,043,000 | $178,906 | $4,200,000 | $65,718 | $1,909,000 |
| Black or African American | 893 | $137,118,000 | $163,964 | $1,260,000 | $61,785 | $960,000 |
| Not applicable | 697 | $182,894,000 | $233,052 | $29,140,000 | $0 | $0 |
| Asian | 436 | $90,638,000 | $236,793 | $6,300,000 | $76,310 | $1,161,000 |
| Native Hawaiian or Other Pacific Islander | 65 | $13,092,000 | $201,526 | $1,000,000 | $85,842 | $1,485,000 |
| American Indian or Alaskan Native | 50 | $8,141,000 | $248,400 | $1,000,000 | $75,500 | $300,000 |
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) | 18,210 | $3,565,256,000 | $186,755 | $29,140,000 | $74,204 | $3,878,000 |
| FHA-insured (Federal Housing Administration) | 1,935 | $297,123,000 | $165,217 | $427,000 | $35,739 | $228,000 |
| VA-guaranteed (Veterans Administration) | 453 | $85,165,000 | $178,370 | $373,000 | $36,333 | $166,000 |
| 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 | 14,949 | $2,789,504,000 | $183,204 | $29,140,000 | $81,704 | $3,878,000 |
| Application Denied By Financial Institution | 2,201 | $404,481,000 | $188,522 | $7,750,000 | $66,568 | $1,800,000 |
| Application Approved But Not Accepted | 1,718 | $369,772,000 | $201,897 | $4,200,000 | $80,743 | $1,962,000 |
| Loan Purchased By The Institution | 679 | $128,932,000 | $192,421 | $898,000 | $0 | $0 |
| Application Withdrawn By Applicant | 490 | $97,884,000 | $236,000 | $3,570,000 | $107,161 | $1,788,000 |
| File Closed For Incompleteness | 431 | $134,331,000 | $259,969 | $8,000,000 | $85,878 | $2,400,000 |
| Preapproval Denied by Financial Institution | 130 | $22,640,000 | $174,000 | $560,000 | $46,000 | $200,000 |
| 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 | 921 | $148,818,000 | $189,027 | $1,350,000 | $55,638 | $710,000 |
| Credit History | 691 | $119,670,000 | $208,128 | $1,800,000 | $71,256 | $828,000 |
| Collateral | 293 | $53,908,000 | $186,593 | $1,450,000 | $81,875 | $462,000 |
| Other | 232 | $61,017,000 | $198,121 | $7,750,000 | $90,848 | $1,800,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 80 | $22,728,000 | $350,285 | $2,800,000 | $100,428 | $641,000 |
| Employment History | 61 | $11,165,000 | $243,529 | $998,000 | $59,823 | $549,000 |
| Unverifiable Information | 41 | $8,730,000 | $217,333 | $1,000,000 | $61,722 | $450,000 |
| Credit Application Incomplete | 7 | $708,000 | $90,600 | $179,000 | $78,200 | $129,000 |
| Mortgage Insurance Denied | 5 | $377,000 | $75,400 | $192,000 | $75,000 | $114,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Webster Bank, N.A.'s 2005 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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