Stonehambank - A Co-Operative Mortgage Lending & HMDA Data, 2013
In 2013, Stonehambank - A Co-Operative of Stoneham, MA reported 485 mortgage applications totaling $129.6 million, down 56% from 2012. The average application was for $267,249, and applicants reported an average income of $101,911. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (272), Peabody, MA (105) and Boston-Quincy, MA (56) (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 | 485 |
| Total Mortgage Loan Application Amount | $129,616,000 |
| Average Mortgage Loan Application Amount | $267,249 |
| Highest Mortgage Loan Application Amount | $2,282,000 |
| Average Applicant Income | $101,911 |
| Highest Applicant Income | $1,212,000 |
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records Stonehambank - A Co-Operative filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Stonehambank - A Co-Operative in 2013
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 | 264 | $72,223,000 | $273,000 | $2,282,000 | $101,000 | $1,212,000 |
| Home Purchase | 187 | $49,883,000 | $266,000 | $1,519,000 | $105,000 | $1,200,000 |
| Home Improvement | 34 | $7,510,000 | $220,000 | $668,000 | $92,000 | $162,000 |
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 | 393 | $97,388,000 | $247,000 | $1,200,000 | $114,000 | $1,212,000 |
| Not applicable | 44 | $20,343,000 | $462,000 | $2,282,000 | $0 | $0 |
| Asian | 18 | $4,613,000 | $256,000 | $410,000 | $83,000 | $212,000 |
| Hispanic | 16 | $3,842,000 | $240,000 | $720,000 | $77,000 | $164,000 |
| Not Provided | 8 | $1,764,000 | $220,000 | $392,000 | $174,000 | $345,000 |
| Black or African American | 5 | $1,455,000 | $291,000 | $394,000 | $101,000 | $176,000 |
| American Indian or Alaskan Native | 1 | $211,000 | $211,000 | $211,000 | $37,000 | $37,000 |
| 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) | 458 | $122,621,000 | $267,000 | $2,282,000 | $103,000 | $1,212,000 |
| FHA-insured (Federal Housing Administration) | 20 | $5,201,000 | $260,000 | $491,000 | $93,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,794,000 | $256,000 | $360,000 | $78,000 | $125,000 |
| 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 | 372 | $101,748,000 | $273,000 | $2,282,000 | $102,000 | $1,212,000 |
| Application Withdrawn By Applicant | 51 | $12,050,000 | $236,000 | $403,000 | $116,000 | $1,200,000 |
| Application Denied By Financial Institution | 48 | $12,798,000 | $266,000 | $1,200,000 | $82,000 | $500,000 |
| File Closed For Incompleteness | 10 | $2,298,000 | $229,000 | $376,000 | $118,000 | $516,000 |
| Application Approved But Not Accepted | 4 | $722,000 | $180,000 | $238,000 | $76,000 | $81,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2013 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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