Stonehambank - A Co-Operative Mortgage Lending & HMDA Data, 2014
In 2014, Stonehambank - A Co-Operative of Stoneham, MA reported 234 mortgage applications totaling $77.8 million, down 52% from 2013. The average application was for $332,559, and applicants reported an average income of $91,465. 82% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (189), Boston, MA (14) and Rockingham County-Strafford County, NH (9) (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 | 234 |
| Total Mortgage Loan Application Amount | $77,819,000 |
| Average Mortgage Loan Application Amount | $332,559 |
| Highest Mortgage Loan Application Amount | $4,200,000 |
| Average Applicant Income | $91,465 |
| Highest Applicant Income | $878,000 |
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records Stonehambank - A Co-Operative filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 151 | $ 54,072,000 | $ 358,092 | $ 89,000 |
| Essex, Massachusetts | 38 | $ 10,491,000 | $ 276,078 | $ 92,000 |
| Suffolk, Massachusetts | 9 | $ 4,433,000 | $ 492,555 | $ 121,000 |
| Rockingham, New Hampshire | 9 | $ 1,648,000 | $ 183,111 | $ 78,000 |
| Worcester, Massachusetts | 7 | $ 953,000 | $ 136,142 | $ 44,000 |
| Hillsborough, New Hampshire | 6 | $ 2,121,000 | $ 353,500 | $ 82,000 |
| Norfolk, Massachusetts | 4 | $ 1,454,000 | $ 363,500 | $ 164,000 |
| Merrimack, New Hampshire | 3 | $ 574,000 | $ 191,333 | $ 86,000 |
| Barnstable, Massachusetts | 2 | $ 653,000 | $ 326,500 | $ 206,000 |
| Bristol, Massachusetts | 2 | $ 475,000 | $ 237,500 | $ 67,000 |
| Carroll, New Hampshire | 2 | $ 627,000 | $ 313,500 | $ 183,000 |
| Plymouth, Massachusetts | 1 | $ 318,000 | $ 318,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Stonehambank - A Co-Operative in 2014
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 | 124 | $36,901,000 | $297,000 | $960,000 | $96,000 | $878,000 |
| Refinancing | 81 | $27,639,000 | $341,000 | $4,200,000 | $94,000 | $444,000 |
| Home Improvement | 29 | $13,279,000 | $457,000 | $2,174,000 | $65,000 | $221,000 |
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 | 169 | $44,111,000 | $261,000 | $2,174,000 | $108,000 | $878,000 |
| Not applicable | 40 | $25,060,000 | $626,000 | $4,200,000 | $0 | $0 |
| Not Provided | 12 | $4,537,000 | $378,000 | $880,000 | $150,000 | $372,000 |
| Hispanic | 7 | $1,936,000 | $276,000 | $356,000 | $86,000 | $131,000 |
| Asian | 4 | $1,912,000 | $478,000 | $736,000 | $180,000 | $444,000 |
| Black or African American | 2 | $263,000 | $131,000 | $168,000 | $31,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 222 | $74,324,000 | $334,000 | $4,200,000 | $92,000 | $878,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,975,000 | $282,000 | $448,000 | $92,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,520,000 | $304,000 | $340,000 | $90,000 | $148,000 |
| 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 | 192 | $62,882,000 | $327,000 | $4,200,000 | $93,000 | $878,000 |
| Application Denied By Financial Institution | 32 | $11,153,000 | $348,000 | $880,000 | $75,000 | $319,000 |
| Application Withdrawn By Applicant | 6 | $2,750,000 | $458,000 | $959,000 | $94,000 | $372,000 |
| File Closed For Incompleteness | 3 | $850,000 | $283,000 | $400,000 | $214,000 | $458,000 |
| Loan Purchased By The Institution | 1 | $184,000 | $184,000 | $184,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stonehambank - A Co-Operative's 2014 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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