Applications / Mortgage Analytics / Lenders / Connecticut / Webster Bank
Stamford, CT · National bank · OCC · $84.0 billion assets · 3,106 loans in 2025
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3,106
loans originated, 2025
5,566
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Webster Bank, a Connecticut bank, is a jumbo lender: about a quarter of its loans exceed the conforming limit, against 1.8% at similar banks.
Jumbo loans (larger than the conforming limit) were 25.3% of its loans against 1.8% at similar lenders (national banks making between half and twice as many loans), though down from 35.2% the year before. Almost all its loans, 99.9%, were conventional. Refinance, at 36.7%, was its largest purpose.
Originations fell 3% to 3,106, while similar lenders typically grew 13% and the whole market 10%; the amount lent fell from $2.56 billion to $2.15 billion. A smaller jumbo share is one possible reason for the lower amount. It made 8,507 loans in 2021.
It bought 862 loans from other lenders, up from 437 the year before and 59 five years ago, while similar lenders typically bought none. These are counted apart from the 3,106 loans it made itself.
Low- and moderate-income (LMI) borrowers took 24.0% of its loans against 26.7%, lower than about two-thirds of similar lenders; its jumbo lending may be part of the reason. Majority-minority tracts took 15.6% against 9.2%. It ranks 12 of 610 lenders in Hartford-West Hartford-East Hartford and gained share in Syracuse, to 1.0%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Webster Bank took 5,566 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.7% · Purchase 33.4% · Home improvement 19.2% · Other 10.7%
Conventional 99.9% · FHA 0.1% · VA 0.0% · of 3,106 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Connecticut | 1,541 | 49.6% |
| Massachusetts | 616 | 19.8% |
| New York | 564 | 18.2% |
| New Jersey | 215 | 6.9% |
| Rhode Island | 105 | 3.4% |
| Pennsylvania | 21 | 0.7% |
| Florida | 14 | 0.5% |
| New Hampshire | 11 | 0.4% |
| Maine | 9 | 0.3% |
| California | 3 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 660 |
| New York-Jersey City-White Plains | 502 |
| New Haven | 363 |
| Bridgeport-Stamford-Danbury | 349 |
| Boston | 248 |
| Providence-Warwick | 231 |
| Cambridge-Newton-Framingham | 192 |
| Nassau County-Suffolk County | 122 |
| Lakewood-New Brunswick | 52 |
| Newark | 49 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | WV0OVGBTLUP1XIUJE722 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 761806 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 318221 | 1992–1994 |
| Respondent ID (the HMDA filer code before 2018) | 413230 | 1995–2003 |
| Respondent ID (the HMDA filer code before 2018) | 124469 | 2004–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9761806 | 2011–2017 |
Established 1 January 1870. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Webster Bank's data.
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