Everett 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 B 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%
67th6.0% deniedProcesswithdrawn + incomplete share, weight 15%
59th9.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 291 | 209 | 13.1% | 15.0% | — | $166M |
| 2024 | 243 | 181 | 13.6% | 14.9% | — | $162M |
| 2025 | 240 | 200 | 5.4% | 6.0% | — | $282M |
What Everett 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, 115 investment properties.
Who gets approved at Everett 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 | 24 | 13 | 12.5% |
| $100k – $150k | 27 | 21 | 4.4% |
| $150k – $250k | 32 | 28 | 6.7% |
| Over $250k | 70 | 61 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 43 | 33 | 8.1% |
| 45–54 | 44 | 37 | 7.5% |
| 55–64 | 37 | 24 | 18.8% |
Where Everett Co-operative Bank lends
5 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 229 | 191 | 5.7% | — | #144 |
| New Hampshire | 6 | 5 | 0.0% | — | #315 |
Frequently asked questions
Everett Co-operative Bank denied 6.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
In 2025, 40% of its applications were for home purchases, 33% for refinancing (including cash-out), and 27% 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.