Westbury Bank mortgage approval rate & lending review
Westbury Bank decided 276 mortgage applications and funded 260 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Westbury Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Westbury Bank at a glance
Approval is 14.6 points above the 81.4% 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 | 99% | 154 / 155 | 98% | $265K | 151 |
| Cash-out refinance | 89% | 34 / 38 | 97% | $105K | 33 |
| Investment property purchase | 100% | 27 / 27 | 96% | $225K | 26 |
Westbury Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 96% | $265K | 276 | 260 |
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 Westbury Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Washington County, WI | Mortgage lenders | 99% | 78 | 75 |
| Washington County, WI | Cash-out refinance | 87% | 23 | 20 |
The county markets where Westbury Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Westbury Bank
What is Westbury Bank's mortgage approval rate?
Westbury Bank approved 96.0% of the 276 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.6 points above the 81.4% national rate for the same mix of loan types.
How often do borrowers take the loan Westbury Bank offers?
Borrowers accepted 98% of the loans Westbury 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 Westbury Bank make?
The typical home purchase mortgage loan Westbury Bank made was $265K; across all loan types its typical loan ran from $105K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Westbury Bank lend?
Westbury Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Wisconsin.
Can I apply to Westbury Bank directly?
Yes. Westbury Bank is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Westbury 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 Westbury Bank treats applications, then get a rate quote from the lender.