Stonehambank - A Co-Operative Mortgage Lending & HMDA Data, 2025
In 2025, Stonehambank - A Co-Operative of Stoneham, MA reported 116 mortgage applications totaling $101.6 million, up 26% from 2024. The average application was for $876,120, and applicants reported an average income of $209,698. 67% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (88), Boston, MA (14) and Providence-Warwick, RI-MA (7) (applications in parentheses).
| Mortgage Company & Address | Stonehambank - A Co-Operative 80 Montvale Ave Stoneham, MA 02180 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 116 |
| Total Mortgage Loan Application Amount | $101,630,000 |
| Average Mortgage Loan Application Amount | $876,120 |
| Highest Mortgage Loan Application Amount | $6,905,000 |
| Average Applicant Income | $209,698 |
| Highest Applicant Income | $1,071,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stonehambank - A Co-Operative filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex, Massachusetts | 74 | $ 56,280,000 | $ 760,540 | $ 177,000 |
| Essex, Massachusetts | 14 | $ 6,070,000 | $ 433,571 | $ 169,000 |
| Norfolk, Massachusetts | 8 | $ 19,370,000 | $ 2,421,250 | $ 548,000 |
| Providence, Rhode Island | 6 | $ 5,920,000 | $ 986,666 | $ 0 |
| Suffolk, Massachusetts | 5 | $ 7,395,000 | $ 1,479,000 | $ 420,000 |
| Rockingham, New Hampshire | 4 | $ 2,180,000 | $ 545,000 | $ 217,000 |
| Bristol, Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Nantucket, Massachusetts | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 625,000 | $ 625,000 | $ 144,000 |
| Worcester, Massachusetts | 1 | $ 555,000 | $ 555,000 | $ 221,000 |
| Belknap, New Hampshire | 1 | $ 755,000 | $ 755,000 | $ 210,000 |
Mortgage Loan Application Detail Totals for Stonehambank - A Co-Operative in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 76 | $76,700,000 | $1,009,000 | $6,905,000 | $223,000 | $1,071,000 |
| Cash-out Refinancing | 15 | $8,635,000 | $575,000 | $1,875,000 | $213,000 | $442,000 |
| Refinancing | 13 | $12,685,000 | $975,000 | $2,455,000 | $227,000 | $650,000 |
| Home Improvement | 11 | $3,535,000 | $321,000 | $2,365,000 | $108,000 | $160,000 |
| Other Purpose | 1 | $75,000 | $75,000 | $75,000 | $43,000 | $43,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 55 | $27,755,000 | $504,000 | $2,605,000 | $211,000 | $1,071,000 |
| Not applicable | 36 | $60,160,000 | $1,671,000 | $6,905,000 | $0 | $0 |
| Not Provided | 10 | $7,830,000 | $783,000 | $4,505,000 | $253,000 | $1,059,000 |
| Asian | 8 | $3,380,000 | $422,000 | $635,000 | $199,000 | $413,000 |
| Hispanic | 7 | $2,505,000 | $357,000 | $615,000 | $115,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 113 | $99,995,000 | $884,000 | $6,905,000 | $209,000 | $1,071,000 |
| VA-guaranteed (Veterans Administration) | 2 | $1,330,000 | $665,000 | $755,000 | $178,000 | $194,000 |
| FHA-insured (Federal Housing Administration) | 1 | $305,000 | $305,000 | $305,000 | $95,000 | $95,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 78 | $76,780,000 | $984,000 | $6,905,000 | $216,000 | $1,071,000 |
| Application Denied By Financial Institution | 19 | $14,875,000 | $782,000 | $4,505,000 | $201,000 | $1,059,000 |
| File Closed For Incompleteness | 13 | $8,415,000 | $647,000 | $2,455,000 | $186,000 | $442,000 |
| Application Withdrawn By Applicant | 4 | $1,300,000 | $325,000 | $635,000 | $197,000 | $413,000 |
| Application Approved But Not Accepted | 2 | $260,000 | $130,000 | $215,000 | $198,000 | $198,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 116 | $101,630,000 | $876,000 | $6,905,000 | $207,000 | $1,071,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stonehambank - A Co-Operative's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Stonehambank - A Co-Operative's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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