Webster Bank in New York vs the state
26.5%Denial rate+6.75 pts vs state
34.3%Decision denial rate+10.29 pts vs state
48.2%Origination rate-11.38 pts vs state
6.50%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.06 pts vs state
$187kMedian applicant income
564Loans originated
310Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,182 | 624 | 23.1% | 6.99% | #66 |
| 2024 | 1,166 | 564 | 24.4% | 7.13% | #68 |
| 2025 | 1,170 | 564 | 26.5% | 6.50% | #78 |
What Webster Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Webster Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 300 | 171 | 66 | 22.0% |
| Kings County | 155 | 69 | 42 | 27.1% |
| Nassau County | 148 | 61 | 42 | 28.4% |
| Suffolk County | 132 | 61 | 34 | 25.8% |
| Bronx County | 93 | 61 | 22 | 23.7% |
| Queens County | 85 | 32 | 30 | 35.3% |
| Rockland County | 74 | 29 | 28 | 37.8% |
| New York County | 61 | 28 | 11 | 18.0% |
| Orange County | 52 | 15 | 19 | 36.5% |
| Ulster County | 14 | 6 | 3 | 21.4% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,170 applications in 2025, of which 564 were originated and 310 denied.
26.5% of all applications, or 34.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Webster Bank originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Webster Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology