Webster First Federal Credit Union mortgage approval rate & lending review
Webster First Federal Credit Union decided 1,259 mortgage applications and funded 863 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Webster First Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Webster First Federal Credit Union at a glance
Approval is 0.6 points above the 71.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 191 / 237 | 90% | $355K | 172 |
| Home improvement loans | 66% | 355 / 540 | 97% | $55K | 346 |
| Cash-out refinance | 68% | 209 / 308 | 99% | $105K | 206 |
| Refinance | 69% | 34 / 49 | 85% | $365K | 29 |
| Investment property purchase | 95% | 72 / 76 | 97% | $375K | 70 |
| Investment cash-out refinance | 95% | 36 / 38 | 94% | $375K | 34 |
Webster First Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 72% | $105K | 1,218 | 836 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Webster First Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 65% | 393 | 249 |
| Worcester County, MA | Cash-out refinance | 69% | 215 | 147 |
| Worcester County, MA | Mortgage lenders | 80% | 160 | 113 |
| Worcester County, MA | Investment property purchase | 93% | 46 | 42 |
| Essex County, MA | Home improvement loans | 69% | 49 | 33 |
| Middlesex County, MA | Home improvement loans | 82% | 38 | 30 |
| Worcester County, MA | Investment cash-out refinance | 96% | 27 | 24 |
| Essex County, MA | Cash-out refinance | 63% | 30 | 18 |
| Middlesex County, MA | Cash-out refinance | 69% | 26 | 18 |
| Worcester County, MA | Refinance | 72% | 25 | 16 |
| Suffolk County, MA | Home improvement loans | 41% | 29 | 11 |
The county markets where Webster First Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Webster First Federal Credit Union
What is Webster First Federal Credit Union's mortgage approval rate?
Webster First Federal Credit Union approved 71.7% of the 1,259 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.6 points above the 71.1% national rate for the same mix of loan types.
How often do borrowers take the loan Webster First Federal Credit Union offers?
Borrowers accepted 96% of the loans Webster First Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Webster First Federal Credit Union make?
The typical home improvement loan loan Webster First Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Webster First Federal Credit Union lend?
Webster First Federal Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Florida.
Can I apply to Webster First Federal Credit Union directly?
Yes. Webster First Federal Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Webster First Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Webster First Federal Credit Union treats applications, then get a rate quote from the lender.