Dean Co-operative Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
33rd14.2% deniedProcesswithdrawn + incomplete share, weight 15%
46th12.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 212 | 152 | 11.8% | 13.2% | — | $29M |
| 2024 | 175 | 115 | 12.0% | 14.5% | — | $36M |
| 2025 | 177 | 119 | 12.4% | 14.2% | — | $38M |
What Dean Co-operative Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 21 investment properties.
Who gets approved at Dean Co-operative Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 14 | 28.6% |
| $100k – $150k | 52 | 39 | 12.2% |
| $150k – $250k | 35 | 26 | 11.8% |
| Over $250k | 22 | 18 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 16 | 0.0% |
| 35–44 | 37 | 24 | 21.9% |
| 45–54 | 31 | 18 | 18.5% |
| 55–64 | 44 | 31 | 18.0% |
| 65–74 | 22 | 14 | 10.5% |
Where Dean Co-operative Bank lends
3 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 152 | 106 | 10.5% | — | #200 |
| Rhode Island | 24 | 13 | 25.0% | — | #140 |
Frequently asked questions
Dean Co-operative Bank denied 14.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 33% for refinancing (including cash-out), and 34% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.