Stonehambank - A Co-Operative Mortgage Lending & HMDA Data, 2010
In 2010, Stonehambank - A Co-Operative of Stoneham, MA reported 913 mortgage applications totaling $228.0 million, up 14% from 2009. The average application was for $249,720, and applicants reported an average income of $106,664. 86% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (596), Peabody, MA (171) and Boston-Quincy, MA (67) (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 | 913 |
| Total Mortgage Loan Application Amount | $227,995,000 |
| Average Mortgage Loan Application Amount | $249,720 |
| Highest Mortgage Loan Application Amount | $3,430,000 |
| Average Applicant Income | $106,664 |
| Highest Applicant Income | $1,422,000 |
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records Stonehambank - A Co-Operative filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cambridge-Newton-Framingham, MA | 596 | $ 142,011,000 | $ 238,273 | $ 101,000 |
| Peabody, MA | 171 | $ 42,809,000 | $ 250,345 | $ 103,000 |
| Boston-Quincy, MA | 67 | $ 24,940,000 | $ 372,238 | $ 144,000 |
| Worcester, MA | 16 | $ 3,902,000 | $ 243,875 | $ 110,000 |
| Manchester-Nashua, NH | 10 | $ 2,410,000 | $ 241,000 | $ 92,000 |
| Rockingham County-Strafford County, NH | 10 | $ 2,234,000 | $ 223,400 | $ 114,000 |
| Barnstable Town, MA | 6 | $ 1,227,000 | $ 204,500 | $ 147,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 692,000 | $ 230,666 | $ 62,000 |
| Pittsfield, MA | 1 | $ 209,000 | $ 209,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Stonehambank - A Co-Operative in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 665 | $168,860,000 | $253,000 | $3,430,000 | $111,000 | $1,422,000 |
| Home Purchase | 243 | $58,989,000 | $242,000 | $825,000 | $95,000 | $1,422,000 |
| Home Improvement | 5 | $146,000 | $29,000 | $60,000 | $97,000 | $166,000 |
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 | 831 | $202,799,000 | $244,000 | $992,000 | $109,000 | $1,422,000 |
| Asian | 25 | $6,400,000 | $256,000 | $641,000 | $116,000 | $400,000 |
| Hispanic | 25 | $5,119,000 | $204,000 | $360,000 | $71,000 | $156,000 |
| Black or African American | 13 | $3,360,000 | $258,000 | $356,000 | $71,000 | $150,000 |
| Not applicable | 10 | $8,149,000 | $814,000 | $3,430,000 | $0 | $0 |
| Not Provided | 9 | $2,168,000 | $240,000 | $650,000 | $120,000 | $404,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 815 | $201,881,000 | $247,000 | $3,430,000 | $110,000 | $1,422,000 |
| FHA-insured (Federal Housing Administration) | 86 | $22,794,000 | $265,000 | $483,000 | $75,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,320,000 | $276,000 | $389,000 | $71,000 | $117,000 |
| 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 | 782 | $191,704,000 | $245,000 | $3,430,000 | $108,000 | $1,422,000 |
| Application Denied By Financial Institution | 52 | $15,980,000 | $307,000 | $886,000 | $94,000 | $309,000 |
| Application Withdrawn By Applicant | 44 | $10,986,000 | $249,000 | $524,000 | $102,000 | $404,000 |
| Application Approved But Not Accepted | 28 | $7,202,000 | $257,000 | $417,000 | $107,000 | $216,000 |
| Preapproval Denied by Financial Institution | 6 | $1,820,000 | $303,000 | $417,000 | $83,000 | $120,000 |
| File Closed For Incompleteness | 1 | $303,000 | $303,000 | $303,000 | $144,000 | $144,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 9 | $3,198,000 | $355,000 | $886,000 | $70,000 | $223,000 |
| Collateral | 9 | $3,605,000 | $400,000 | $780,000 | $155,000 | $309,000 |
| Other | 5 | $1,554,000 | $310,000 | $339,000 | $76,000 | $127,000 |
| Credit History | 3 | $505,000 | $168,000 | $205,000 | $102,000 | $124,000 |
| Unverifiable Information | 2 | $665,000 | $332,000 | $335,000 | $83,000 | $112,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stonehambank - A Co-Operative's 2010 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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