Winchester Co-Operative Bank Mortgage Lending & HMDA Data, 2019
In 2019, Winchester Co-Operative Bank of Winchester, MA reported 263 mortgage applications totaling $124.8 million, down 9% from 2018. The average application was for $474,581, and applicants reported an average income of $175,897. 82% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (210), Boston, MA (22) and Rockingham County-Strafford County, NH (6) (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 | 263 |
| Total Mortgage Loan Application Amount | $124,815,000 |
| Average Mortgage Loan Application Amount | $474,581 |
| Highest Mortgage Loan Application Amount | $2,095,000 |
| Average Applicant Income | $175,897 |
| Highest Applicant Income | $1,620,000 |
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records Winchester Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Winchester Co-Operative Bank in 2019
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 | 130 | $74,500,000 | $573,000 | $2,095,000 | $176,000 | $1,064,000 |
| Refinancing | 94 | $36,650,000 | $389,000 | $1,405,000 | $180,000 | $1,620,000 |
| Home Improvement | 17 | $6,775,000 | $398,000 | $1,505,000 | $195,000 | $426,000 |
| Cash-out Refinancing | 15 | $6,055,000 | $403,000 | $685,000 | $143,000 | $304,000 |
| Other Purpose | 7 | $835,000 | $119,000 | $185,000 | $143,000 | $347,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 207 | $91,845,000 | $443,000 | $1,795,000 | $176,000 | $1,620,000 |
| Not Provided | 22 | $11,400,000 | $518,000 | $2,095,000 | $150,000 | $395,000 |
| Not applicable | 18 | $12,360,000 | $686,000 | $1,675,000 | $0 | $0 |
| Asian | 8 | $4,890,000 | $611,000 | $1,445,000 | $271,000 | $552,000 |
| Hispanic | 4 | $2,560,000 | $640,000 | $1,185,000 | $169,000 | $315,000 |
| Black or African American | 2 | $510,000 | $255,000 | $275,000 | $51,000 | $80,000 |
| American Indian or Alaskan Native | 1 | $275,000 | $275,000 | $275,000 | $202,000 | $202,000 |
| 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) | 263 | $124,815,000 | $474,000 | $2,095,000 | $175,000 | $1,620,000 |
| 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 | 216 | $103,120,000 | $477,000 | $2,095,000 | $178,000 | $1,064,000 |
| Application Withdrawn By Applicant | 14 | $5,310,000 | $379,000 | $785,000 | $140,000 | $488,000 |
| Application Denied By Financial Institution | 8 | $3,350,000 | $418,000 | $675,000 | $110,000 | $154,000 |
| Preapproval Denied by Financial Institution | 8 | $3,640,000 | $455,000 | $805,000 | $101,000 | $195,000 |
| Application Approved But Not Accepted | 6 | $4,830,000 | $805,000 | $1,355,000 | $196,000 | $311,000 |
| File Closed For Incompleteness | 6 | $2,440,000 | $406,000 | $605,000 | $343,000 | $1,620,000 |
| Preapproval Approved but not Accepted | 5 | $2,125,000 | $425,000 | $605,000 | $143,000 | $233,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 263 | $124,815,000 | $474,000 | $2,095,000 | $175,000 | $1,620,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Winchester Co-Operative Bank's 2019 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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