Webster Five Cents Savings Bank in Massachusetts vs the state
18.2%Denial rate+2.00 pts vs state
21.4%Decision denial rate+1.48 pts vs state
65.4%Origination rate+2.76 pts vs state
—Median rate
—Rate spread (pts)
$124kMedian applicant income
183Loans originated
51Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 118 | 18.0% | 6.75% | #178 |
| 2024 | 162 | 100 | 14.2% | — | #169 |
| 2025 | 280 | 183 | 18.2% | — | #124 |
What Webster Five Cents Savings Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Webster Five Cents Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 241 | 161 | 42 | 17.4% |
| Middlesex County | 14 | 7 | 4 | 28.6% |
| Barnstable County | 7 | 5 | 0 | 0.0% |
| Bristol County | 5 | 1 | 4 | 80.0% |
| Plymouth County | 3 | 1 | 1 | 33.3% |
| Hampden County | 3 | 2 | 0 | 0.0% |
| Norfolk County | 3 | 2 | 0 | 0.0% |
| Essex County | 3 | 3 | 0 | 0.0% |
| Suffolk County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 280 applications in 2025, of which 183 were originated and 51 denied.
18.2% of all applications, or 21.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Webster Five Cents Savings Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology