Webster Five Cents Savings Bank mortgage approval rate & lending review
Webster Five Cents Savings Bank decided 426 mortgage applications and funded 351 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Webster Five Cents Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Webster Five Cents Savings Bank at a glance
Approval is 6.9 points above the 76.5% 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 | 93% | 162 / 174 | 99% | $365K | 161 |
| Home improvement loans | 79% | 86 / 109 | 99% | $65K | 85 |
| Cash-out refinance | 73% | 55 / 75 | 98% | $105K | 54 |
| Refinance | 79% | 22 / 28 | 100% | $245K | 22 |
Webster Five Cents Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 83% | $365K | 414 | 340 |
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 Five Cents Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Mortgage lenders | 93% | 136 | 126 |
| Worcester County, MA | Home improvement loans | 80% | 97 | 77 |
| Worcester County, MA | Cash-out refinance | 74% | 69 | 50 |
| Worcester County, MA | Refinance | 79% | 24 | 19 |
The county markets where Webster Five Cents Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Webster Five Cents Savings Bank
What is Webster Five Cents Savings Bank's mortgage approval rate?
Webster Five Cents Savings Bank approved 83.3% of the 426 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 76.5% national rate for the same mix of loan types.
How often do borrowers take the loan Webster Five Cents Savings Bank offers?
Borrowers accepted 99% of the loans Webster Five Cents Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Webster Five Cents Savings Bank make?
The typical home purchase mortgage loan Webster Five Cents Savings Bank made was $365K; across all loan types its typical loan ran from $65K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Webster Five Cents Savings Bank lend?
Webster Five Cents Savings Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New York.
Can I apply to Webster Five Cents Savings Bank directly?
Yes. Webster Five Cents Savings Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Webster Five Cents Savings Bank'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 Five Cents Savings Bank treats applications, then get a rate quote from the lender.