Stoughton Co-Operative Bank Mortgage Lending & HMDA Data, 2017
In 2017, Stoughton Co-Operative Bank of Stoughton, MA reported 64 mortgage applications totaling $16.3 million, down 35% from 2016. The average application was for $253,921, and applicants reported an average income of $135,750. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Boston, MA (49), Providence-Warwick, RI-MA (6) and Barnstable Town, MA (4) (applications in parentheses).
| Mortgage Company & Address | Stoughton Co-Operative Bank 950 Park Street Stoughton, MA 02072 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 |
| Total Number of Mortgage Applications | 64 |
| Total Mortgage Loan Application Amount | $16,251,000 |
| Average Mortgage Loan Application Amount | $253,921 |
| Highest Mortgage Loan Application Amount | $770,000 |
| Average Applicant Income | $135,750 |
| Highest Applicant Income | $693,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stoughton Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Boston, MA | 49 | $ 12,067,000 | $ 246,265 | $ 122,000 |
| Providence-Warwick, RI-MA | 6 | $ 1,375,000 | $ 229,166 | $ 115,000 |
| Barnstable Town, MA | 4 | $ 971,000 | $ 242,750 | $ 292,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 583,000 | $ 291,500 | $ 93,000 |
| Worcester, MA-CT | 2 | $ 1,062,000 | $ 531,000 | $ 263,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 193,000 | $ 193,000 | $ 147,000 |
Mortgage Loan Application Detail Totals for Stoughton Co-Operative Bank in 2017
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 | 25 | $8,023,000 | $320,000 | $770,000 | $154,000 | $693,000 |
| Home Improvement | 22 | $3,447,000 | $156,000 | $700,000 | $121,000 | $677,000 |
| Refinancing | 17 | $4,781,000 | $281,000 | $432,000 | $128,000 | $299,000 |
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 | 46 | $11,166,000 | $242,000 | $700,000 | $139,000 | $693,000 |
| Asian | 6 | $1,830,000 | $305,000 | $662,000 | $129,000 | $197,000 |
| Hispanic | 4 | $666,000 | $166,000 | $264,000 | $94,000 | $148,000 |
| Not applicable | 4 | $1,806,000 | $451,000 | $770,000 | $158,000 | $527,000 |
| Not Provided | 3 | $533,000 | $177,000 | $290,000 | $141,000 | $299,000 |
| Black or African American | 1 | $250,000 | $250,000 | $250,000 | $85,000 | $85,000 |
| 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) | 64 | $16,251,000 | $253,000 | $770,000 | $136,000 | $693,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 51 | $12,966,000 | $254,000 | $700,000 | $138,000 | $693,000 |
| Application Approved But Not Accepted | 3 | $355,000 | $118,000 | $266,000 | $47,000 | $52,000 |
| Application Denied By Financial Institution | 3 | $704,000 | $234,000 | $630,000 | $98,000 | $197,000 |
| Application Withdrawn By Applicant | 3 | $856,000 | $285,000 | $432,000 | $120,000 | $156,000 |
| File Closed For Incompleteness | 2 | $216,000 | $108,000 | $200,000 | $121,000 | $179,000 |
| Loan Purchased By The Institution | 2 | $1,154,000 | $577,000 | $770,000 | $317,000 | $527,000 |
| 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 | 2 | $74,000 | $37,000 | $44,000 | $49,000 | $55,000 |
| Other | 1 | $630,000 | $630,000 | $630,000 | $197,000 | $197,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stoughton Co-Operative Bank's 2017 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 Stoughton Co-Operative Bank'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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