WEBSTER FIRST Federal Credit Union
WEBSTER FIRST Federal Credit Union received 510 applications in 2025 and made 330 mortgages, in 26 counties across 8 states. The median rate its borrowers got was 6.500% on a median loan of $355,000. Of 442 decisions, 92 were denials — 20.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300LI67PLCC1Z3P80 |
|---|---|
| Applications received | 510 |
| Mortgages made | 330 |
| Denied | 92 |
| Approved, not taken up | 20 |
| Withdrawn or incomplete | 68 |
| Loans bought from other lenders | 30 |
| Median rate spread over the prime offer rate | -0.014 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 135 | 5.875% | $555,000 | 9.9% |
| Refinancing | 26 | 5.375% | $510,000 | 17.1% |
| Cash-out refinancing | 78 | 6.500% | $305,000 | 23.4% |
| Other purposes | 91 | 6.875% | $65,000 | 32.4% |
Where WEBSTER FIRST Federal Credit Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 203 | 6.500% | 24.1% |
| Middlesex County, MA | 29 | 5.625% | 13.9% |
| Suffolk County, MA | 23 | 5.750% | 25.8% |
| Essex County, MA | 16 | 6.688% | 13.6% |
| Northeastern Connecticut Planning Region, CT | 13 | 6.375% | 22.2% |
| Providence County, RI | 9 | Under 10 loans | 0.0% |
| Bristol County, MA | 5 | Under 10 loans | 0.0% |
| Hampden County, MA | 5 | Under 10 loans | 0.0% |
| Barnstable County, MA | 4 | Under 10 loans | 20.0% |
| Norfolk County, MA | 4 | Under 10 loans | 20.0% |
| Plymouth County, MA | 3 | Under 10 loans | 25.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 0.0% |
| Franklin County, MA | 2 | Under 10 loans | 0.0% |
| Hampshire County, MA | 2 | Under 10 loans | 0.0% |
| Rockingham County, NH | 2 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Bristol County, RI | 1 | Under 10 loans | 0.0% |
| Caledonia County, VT | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 0 | Under 10 loans | Not published |
| York County, ME | 0 | Under 10 loans | 100.0% |
| Montgomery County, MD | 0 | Under 10 loans | Not published |
| Newport County, RI | 0 | Under 10 loans | Not published |
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When WEBSTER FIRST Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.