Webster Bank, N.A. Mortgage Lending & HMDA Data, 2025
In 2025, Webster Bank, N.A. of Stamford, CT reported 6,428 mortgage applications totaling $4.3 billion, up 5% from 2024. The average application was for $671,780, and applicants reported an average income of $237,158. 48% of its applications resulted in an originated loan and 19% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (1,067), Hartford-West Hartford-East Hartford, CT (1,006) and Bridgeport-Stamford-Norwalk, CT (700) (applications in parentheses).
| Mortgage Company & Address | Webster Bank, N.A. 145 Bank Street Stamford, CT 06901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 6,428 |
| Total Mortgage Loan Application Amount | $4,318,205,000 |
| Average Mortgage Loan Application Amount | $671,780 |
| Highest Mortgage Loan Application Amount | $80,005,000 |
| Average Applicant Income | $237,158 |
| Highest Applicant Income | $8,268,000 |
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Act (HMDA) records Webster Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 1,067 | $ 1,282,310,000 | $ 1,201,790 | $ 305,962 |
| Hartford-West Hartford-East Hartford, CT | 1,006 | $ 206,100,000 | $ 204,870 | $ 150,000 |
| Bridgeport-Stamford-Norwalk, CT | 700 | $ 409,960,000 | $ 585,657 | $ 243,000 |
| Waterbury-Shelton, CT | 600 | $ 93,030,000 | $ 155,050 | $ 118,000 |
| Boston, MA | 522 | $ 420,000,000 | $ 804,597 | $ 302,000 |
| Cambridge-Newton-Framingham, MA | 470 | $ 410,060,000 | $ 872,468 | $ 300,000 |
| Providence-Warwick, RI-MA | 460 | $ 133,690,000 | $ 290,630 | $ 162,552 |
| New Haven-Milford, CT | 358 | $ 72,330,000 | $ 202,039 | $ 147,000 |
| Nassau County-Suffolk County, NY | 354 | $ 193,150,000 | $ 545,621 | $ 273,000 |
| Outside any metro area | 217 | $ 113,505,000 | $ 523,064 | $ 190,282 |
| Newark, NJ-PA | 155 | $ 216,255,000 | $ 1,395,193 | $ 464,000 |
| Lakewood-New Brunswick, NJ | 122 | $ 217,290,000 | $ 1,781,065 | $ 527,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 67 | $ 22,835,000 | $ 340,820 | $ 164,000 |
| Montgomery County-Bucks County-Chester County, PA | 44 | $ 71,590,000 | $ 1,627,045 | $ 516,000 |
| Barnstable Town, MA | 39 | $ 30,265,000 | $ 776,025 | $ 467,000 |
| Philadelphia, PA | 33 | $ 37,335,000 | $ 1,131,363 | $ 492,000 |
| Worcester, MA-CT | 31 | $ 18,305,000 | $ 590,483 | $ 228,000 |
| Norwich-New London, CT | 24 | $ 8,440,000 | $ 351,666 | $ 258,000 |
| Springfield, MA | 20 | $ 5,940,000 | $ 297,000 | $ 117,000 |
| Kingston, NY | 17 | $ 4,555,000 | $ 267,941 | $ 199,000 |
| Trenton, NJ | 14 | $ 12,590,000 | $ 899,285 | $ 346,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 14,800,000 | $ 1,233,333 | $ 662,000 |
| Portland-South Portland, ME | 8 | $ 42,690,000 | $ 5,336,250 | $ 512,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 46,075,000 | $ 6,582,142 | $ 142,000 |
| Rockingham County-Strafford County, NH | 7 | $ 6,755,000 | $ 965,000 | $ 449,000 |
| Camden, NJ | 6 | $ 4,650,000 | $ 775,000 | $ 272,000 |
| Pittsburgh, PA | 6 | $ 5,780,000 | $ 963,333 | $ 534,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 14,370,000 | $ 2,395,000 | $ 1,013,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,145,000 | $ 229,000 | $ 181,000 |
| Manchester-Nashua, NH | 4 | $ 3,080,000 | $ 770,000 | $ 706,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 2,435,000 | $ 811,666 | $ 412,000 |
| Los Angeles-Long Beach-Glendale, CA | 3 | $ 20,005,000 | $ 6,668,333 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 645,000 | $ 215,000 | $ 100,000 |
| Rochester, NY | 3 | $ 165,000 | $ 55,000 | $ 162,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 150,000 | $ 75,000 | $ 79,000 |
| Glens Falls, NY | 2 | $ 470,000 | $ 235,000 | $ 163,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,210,000 | $ 605,000 | $ 334,000 |
| Pittsfield, MA | 2 | $ 370,000 | $ 185,000 | $ 328,000 |
| Port St. Lucie, FL | 2 | $ 530,000 | $ 265,000 | $ 247,000 |
| Syracuse, NY | 2 | $ 26,130,000 | $ 13,065,000 | $ 64,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 875,000 | $ 875,000 | $ 400,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 1,075,000 | $ 1,075,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 45,000 | $ 45,000 | $ 108,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 31,855,000 | $ 31,855,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 1,185,000 | $ 1,185,000 | $ 487,000 |
| Kansas City, MO-KS | 1 | $ 24,565,000 | $ 24,565,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 235,000 | $ 235,000 | $ 142,000 |
| Lebanon, PA | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Odessa, TX | 1 | $ 11,605,000 | $ 11,605,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 2,005,000 | $ 2,005,000 | $ 841,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Punta Gorda, FL | 1 | $ 105,000 | $ 105,000 | $ 159,000 |
| Richmond, VA | 1 | $ 28,505,000 | $ 28,505,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 945,000 | $ 945,000 | $ 450,000 |
| Salt Lake City, UT | 1 | $ 465,000 | $ 465,000 | $ 597,000 |
| Sebastian-Vero Beach, FL | 1 | $ 1,805,000 | $ 1,805,000 | $ 1,088,000 |
| Sebring, FL | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Tampa, FL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 365,000 | $ 365,000 | $ 409,000 |
| Washington, DC-MD | 1 | $ 20,005,000 | $ 20,005,000 | $ 0 |
| Wichita, KS | 1 | $ 45,000 | $ 45,000 | $ 0 |
Mortgage Loan Application Detail Totals for Webster Bank, N.A. in 2025
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 | 2,253 | $2,321,645,000 | $1,030,000 | $50,005,000 | $330,000 | $8,268,000 |
| Refinancing | 2,049 | $1,243,215,000 | $606,000 | $75,005,000 | $211,000 | $2,220,000 |
| Home Improvement | 1,244 | $355,425,000 | $285,000 | $80,005,000 | $162,000 | $3,075,000 |
| Other Purpose | 726 | $108,940,000 | $150,000 | $2,005,000 | $163,000 | $2,777,000 |
| Cash-out Refinancing | 155 | $288,795,000 | $1,863,000 | $45,005,000 | $184,000 | $1,403,000 |
| Not Applicable | 1 | $185,000 | $185,000 | $185,000 | $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 | 3,768 | $1,461,630,000 | $387,000 | $30,005,000 | $239,000 | $8,268,000 |
| Not applicable | 1,063 | $2,153,070,000 | $2,027,000 | $80,005,000 | $101,000 | $672,000 |
| Not Provided | 558 | $286,670,000 | $513,000 | $5,005,000 | $270,000 | $2,740,000 |
| Asian | 354 | $236,870,000 | $669,000 | $10,005,000 | $295,000 | $3,075,000 |
| Hispanic | 351 | $111,525,000 | $317,000 | $3,505,000 | $175,000 | $3,268,000 |
| Black or African American | 318 | $62,500,000 | $196,000 | $1,925,000 | $132,000 | $1,725,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $3,090,000 | $386,000 | $1,565,000 | $135,000 | $376,000 |
| American Indian or Alaskan Native | 8 | $2,850,000 | $356,000 | $755,000 | $309,000 | $1,200,000 |
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) | 6,415 | $4,312,810,000 | $672,000 | $80,005,000 | $229,000 | $8,268,000 |
| FHA-insured (Federal Housing Administration) | 10 | $3,700,000 | $370,000 | $695,000 | $107,000 | $179,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,695,000 | $565,000 | $745,000 | $152,000 | $275,000 |
| 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 | 3,106 | $2,147,400,000 | $691,000 | $80,005,000 | $260,000 | $8,268,000 |
| Application Denied By Financial Institution | 1,206 | $435,635,000 | $361,000 | $45,005,000 | $167,000 | $2,777,000 |
| Loan Purchased By The Institution | 862 | $774,690,000 | $898,000 | $2,005,000 | $102,000 | $672,000 |
| Application Withdrawn By Applicant | 578 | $711,040,000 | $1,230,000 | $75,005,000 | $251,000 | $2,453,000 |
| File Closed For Incompleteness | 537 | $175,355,000 | $326,000 | $10,005,000 | $234,000 | $3,300,000 |
| Application Approved But Not Accepted | 139 | $74,085,000 | $532,000 | $27,905,000 | $198,000 | $1,913,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,222 | $3,882,570,000 | $743,000 | $80,005,000 | $245,000 | $8,268,000 |
| Debt-To-Income Ratio | 444 | $148,840,000 | $335,000 | $5,005,000 | $106,000 | $636,000 |
| Other | 325 | $153,670,000 | $474,000 | $45,005,000 | $203,000 | $1,544,000 |
| Credit History | 256 | $52,220,000 | $203,000 | $1,465,000 | $159,000 | $2,220,000 |
| Collateral | 122 | $42,840,000 | $351,000 | $2,665,000 | $258,000 | $2,777,000 |
| Unverifiable Information | 26 | $7,000,000 | $269,000 | $1,355,000 | $172,000 | $917,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $24,050,000 | $1,002,000 | $2,295,000 | $368,000 | $860,000 |
| Employment History | 7 | $5,015,000 | $716,000 | $1,935,000 | $172,000 | $650,000 |
| Credit Application Incomplete | 2 | $2,000,000 | $1,000,000 | $1,045,000 | $320,000 | $380,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Webster Bank, N.A.'s 2025 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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