Winchester Co-Operative Bank Mortgage Lending & HMDA Data, 2015
In 2015, Winchester Co-Operative Bank of Winchester, MA reported 312 mortgage applications totaling $126.4 million, up 25% from 2014. The average application was for $405,137, and applicants reported an average income of $187,189. 81% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (255), Boston, MA (29) and Rockingham County-Strafford County, NH (7) (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 | 312 |
| Total Mortgage Loan Application Amount | $126,403,000 |
| Average Mortgage Loan Application Amount | $405,137 |
| Highest Mortgage Loan Application Amount | $5,350,000 |
| Average Applicant Income | $187,189 |
| Highest Applicant Income | $2,520,000 |
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records Winchester Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 255 | $ 108,151,000 | $ 424,121 | $ 187,000 |
| Boston, MA | 29 | $ 8,669,000 | $ 298,931 | $ 252,000 |
| Rockingham County-Strafford County, NH | 7 | $ 2,112,000 | $ 301,714 | $ 147,000 |
| Barnstable Town, MA | 5 | $ 2,150,000 | $ 430,000 | $ 88,000 |
| Manchester-Nashua, NH | 2 | $ 760,000 | $ 380,000 | $ 134,000 |
| Providence-Warwick, RI-MA | 2 | $ 449,000 | $ 224,500 | $ 114,000 |
| Portland-South Portland, ME | 1 | $ 567,000 | $ 567,000 | $ 243,000 |
Mortgage Loan Application Detail Totals for Winchester Co-Operative Bank in 2015
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 | 158 | $72,510,000 | $458,000 | $3,000,000 | $199,000 | $2,520,000 |
| Refinancing | 95 | $35,423,000 | $372,000 | $5,350,000 | $154,000 | $1,168,000 |
| Home Improvement | 59 | $18,470,000 | $313,000 | $1,100,000 | $209,000 | $2,234,000 |
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 | 264 | $107,056,000 | $405,000 | $5,350,000 | $184,000 | $2,520,000 |
| Not Provided | 30 | $13,928,000 | $464,000 | $3,000,000 | $254,000 | $2,234,000 |
| Asian | 14 | $4,243,000 | $303,000 | $649,000 | $129,000 | $226,000 |
| Black or African American | 3 | $1,086,000 | $362,000 | $880,000 | $118,000 | $190,000 |
| Hispanic | 1 | $90,000 | $90,000 | $90,000 | $148,000 | $148,000 |
| 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) | 312 | $126,403,000 | $405,000 | $5,350,000 | $188,000 | $2,520,000 |
| 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 | 254 | $100,557,000 | $395,000 | $5,350,000 | $193,000 | $2,520,000 |
| Application Denied By Financial Institution | 17 | $10,111,000 | $594,000 | $3,000,000 | $179,000 | $951,000 |
| Application Withdrawn By Applicant | 17 | $5,421,000 | $318,000 | $900,000 | $172,000 | $318,000 |
| Preapproval Denied by Financial Institution | 10 | $3,045,000 | $304,000 | $570,000 | $80,000 | $156,000 |
| Application Approved But Not Accepted | 7 | $2,005,000 | $286,000 | $1,000,000 | $164,000 | $565,000 |
| File Closed For Incompleteness | 7 | $5,264,000 | $752,000 | $1,400,000 | $235,000 | $404,000 |
| 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 2015 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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