Winchester Co-Operative Bank Mortgage Lending & HMDA Data, 2013
In 2013, Winchester Co-Operative Bank of Winchester, MA reported 364 mortgage applications totaling $121.9 million, down 27% from 2012. The average application was for $334,865, and applicants reported an average income of $158,326. 86% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (278), Boston-Quincy, MA (36) and Peabody, MA (20) (applications in parentheses).
| Mortgage Company & Address | Winchester Co-Operative Bank 19 Church Street Winchester, MA 01890 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 | 364 |
| Total Mortgage Loan Application Amount | $121,891,000 |
| Average Mortgage Loan Application Amount | $334,865 |
| Highest Mortgage Loan Application Amount | $1,564,000 |
| Average Applicant Income | $158,326 |
| Highest Applicant Income | $2,036,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Winchester Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex, Massachusetts | 278 | $ 94,730,000 | $ 340,755 | $ 158,000 |
| Essex, Massachusetts | 20 | $ 6,048,000 | $ 302,400 | $ 159,000 |
| Suffolk, Massachusetts | 15 | $ 4,545,000 | $ 303,000 | $ 148,000 |
| Barnstable, Massachusetts | 12 | $ 4,311,000 | $ 359,250 | $ 208,000 |
| Norfolk, Massachusetts | 11 | $ 4,487,000 | $ 407,909 | $ 120,000 |
| Plymouth, Massachusetts | 10 | $ 2,902,000 | $ 290,200 | $ 197,000 |
| York, Maine | 4 | $ 814,000 | $ 203,500 | $ 171,000 |
| Worcester, Massachusetts | 4 | $ 647,000 | $ 161,750 | $ 55,000 |
| Pinellas, Florida | 1 | $ 262,000 | $ 262,000 | $ 74,000 |
| Dukes, Massachusetts | 1 | $ 307,000 | $ 307,000 | $ 743,000 |
| Belknap, New Hampshire | 1 | $ 465,000 | $ 465,000 | $ 193,000 |
| Hillsborough, New Hampshire | 1 | $ 144,000 | $ 144,000 | $ 61,000 |
| Rockingham, New Hampshire | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for Winchester Co-Operative Bank 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 | 169 | $49,614,000 | $293,000 | $1,500,000 | $148,000 | $1,211,000 |
| Home Purchase | 129 | $54,215,000 | $420,000 | $1,564,000 | $171,000 | $2,036,000 |
| Home Improvement | 66 | $18,062,000 | $273,000 | $985,000 | $160,000 | $701,000 |
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 | 301 | $102,228,000 | $339,000 | $1,564,000 | $161,000 | $2,036,000 |
| Not Provided | 47 | $16,721,000 | $355,000 | $1,500,000 | $169,000 | $948,000 |
| Asian | 8 | $1,437,000 | $179,000 | $292,000 | $58,000 | $132,000 |
| Hispanic | 4 | $1,076,000 | $269,000 | $360,000 | $106,000 | $186,000 |
| Black or African American | 2 | $139,000 | $69,000 | $79,000 | $153,000 | $153,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $138,000 | $138,000 |
| Not applicable | 1 | $125,000 | $125,000 | $125,000 | $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) | 364 | $121,891,000 | $334,000 | $1,564,000 | $159,000 | $2,036,000 |
| 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 | 313 | $102,820,000 | $328,000 | $1,500,000 | $166,000 | $2,036,000 |
| Application Withdrawn By Applicant | 20 | $9,072,000 | $453,000 | $1,564,000 | $139,000 | $255,000 |
| Application Denied By Financial Institution | 19 | $6,147,000 | $323,000 | $660,000 | $105,000 | $285,000 |
| Preapproval Denied by Financial Institution | 5 | $1,894,000 | $378,000 | $720,000 | $116,000 | $245,000 |
| File Closed For Incompleteness | 4 | $967,000 | $241,000 | $399,000 | $69,000 | $83,000 |
| Application Approved But Not Accepted | 3 | $991,000 | $330,000 | $450,000 | $74,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 Winchester Co-Operative Bank'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 Winchester 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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