Winchester Co-Operative Bank Mortgage Lending & HMDA Data, 2014
In 2014, Winchester Co-Operative Bank of Winchester, MA reported 250 mortgage applications totaling $93.0 million, down 31% from 2013. The average application was for $371,844, and applicants reported an average income of $179,488. 84% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (213), Boston, MA (16) and Barnstable Town, MA (8) (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 | 250 |
| Total Mortgage Loan Application Amount | $92,961,000 |
| Average Mortgage Loan Application Amount | $371,844 |
| Highest Mortgage Loan Application Amount | $2,147,000 |
| Average Applicant Income | $179,488 |
| Highest Applicant Income | $2,227,000 |
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records Winchester Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 213 | $ 80,060,000 | $ 375,868 | $ 170,000 |
| Boston, MA | 16 | $ 6,429,000 | $ 401,812 | $ 141,000 |
| Barnstable Town, MA | 8 | $ 2,275,000 | $ 284,375 | $ 419,000 |
| Portland-South Portland, ME | 2 | $ 327,000 | $ 163,500 | $ 55,000 |
| Rockingham County-Strafford County, NH | 2 | $ 745,000 | $ 372,500 | $ 69,000 |
| Worcester, MA-CT | 1 | $ 275,000 | $ 275,000 | $ 0 |
Mortgage Loan Application Detail Totals for Winchester Co-Operative Bank 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 | 143 | $63,934,000 | $447,000 | $2,147,000 | $191,000 | $2,227,000 |
| Refinancing | 65 | $20,687,000 | $318,000 | $812,000 | $159,000 | $1,824,000 |
| Home Improvement | 42 | $8,340,000 | $198,000 | $650,000 | $172,000 | $965,000 |
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 | 214 | $80,345,000 | $375,000 | $2,147,000 | $185,000 | $2,227,000 |
| Not Provided | 25 | $9,146,000 | $365,000 | $1,071,000 | $144,000 | $401,000 |
| Black or African American | 5 | $823,000 | $164,000 | $313,000 | $83,000 | $125,000 |
| Asian | 4 | $1,196,000 | $299,000 | $490,000 | $234,000 | $542,000 |
| Hispanic | 2 | $1,451,000 | $725,000 | $1,255,000 | $169,000 | $242,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 250 | $92,961,000 | $371,000 | $2,147,000 | $180,000 | $2,227,000 |
| 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 | 211 | $79,866,000 | $378,000 | $2,147,000 | $189,000 | $2,227,000 |
| Application Denied By Financial Institution | 12 | $2,914,000 | $242,000 | $370,000 | $104,000 | $240,000 |
| Application Withdrawn By Applicant | 10 | $3,424,000 | $342,000 | $1,071,000 | $144,000 | $401,000 |
| Application Approved But Not Accepted | 9 | $4,162,000 | $462,000 | $884,000 | $133,000 | $264,000 |
| Preapproval Denied by Financial Institution | 3 | $759,000 | $253,000 | $285,000 | $57,000 | $82,000 |
| File Closed For Incompleteness | 3 | $1,103,000 | $367,000 | $470,000 | $283,000 | $424,000 |
| Preapproval Approved but not Accepted | 2 | $733,000 | $366,000 | $400,000 | $100,000 | $108,000 |
| Loan Purchased By The 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 Winchester Co-Operative Bank'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 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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