Westfield Bank mortgage approval rate & lending review
Westfield Bank decided 1,987 mortgage applications and funded 1,774 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Westfield Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Westfield Bank at a glance
Approval is 16.1 points above the 76.7% 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% | 750 / 756 | 98% | $295K | 734 |
| Home improvement loans | 88% | 528 / 601 | 95% | $65K | 503 |
| Refinance | 90% | 499 / 557 | 95% | $105K | 474 |
| Investment property purchase | 98% | 46 / 47 | 96% | $255K | 44 |
Westfield Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 94% | $105K | 1,764 | 1,590 |
| Connecticut | 85% | $205K | 204 | 166 |
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 Westfield Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampden County, MA | Mortgage lenders | 99% | 594 | 577 |
| Hampden County, MA | Home improvement loans | 90% | 470 | 405 |
| Hampden County, MA | Refinance | 90% | 431 | 372 |
| Capitol Planning Region, CT | Mortgage lenders | 100% | 73 | 72 |
| Hampshire County, MA | Mortgage lenders | 98% | 54 | 51 |
| Hampshire County, MA | Refinance | 98% | 57 | 51 |
| Hampshire County, MA | Home improvement loans | 85% | 52 | 44 |
| Capitol Planning Region, CT | Home improvement loans | 73% | 56 | 38 |
| Capitol Planning Region, CT | Refinance | 73% | 52 | 36 |
| Hampden County, MA | Investment property purchase | 95% | 22 | 20 |
The county markets where Westfield Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Westfield Bank
What is Westfield Bank's mortgage approval rate?
Westfield Bank approved 92.8% of the 1,987 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.1 points above the 76.7% national rate for the same mix of loan types.
How often do borrowers take the loan Westfield Bank offers?
Borrowers accepted 96% of the loans Westfield 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 Westfield Bank make?
The typical home purchase mortgage loan Westfield Bank made was $295K; across all loan types its typical loan ran from $65K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Westfield Bank lend?
Westfield Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and Florida.
Can I apply to Westfield Bank directly?
Yes. Westfield Bank is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Westfield 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 Westfield Bank treats applications, then get a rate quote from the lender.