Everett Co-operative Bank in Massachusetts vs the state
5.7%Denial rate-10.53 pts vs state
6.3%Decision denial rate-13.70 pts vs state
83.4%Origination rate+20.81 pts vs state
—Median rate
—Rate spread (pts)
$211kMedian applicant income
191Loans originated
13Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 278 | 197 | 13.3% | — | #121 |
| 2024 | 232 | 172 | 14.2% | — | #135 |
| 2025 | 229 | 191 | 5.7% | — | #144 |
What Everett Co-operative Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Everett Co-operative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 80 | 65 | 4 | 5.0% |
| Essex County | 66 | 51 | 6 | 9.1% |
| Suffolk County | 61 | 56 | 1 | 1.6% |
| Norfolk County | 10 | 9 | 0 | 0.0% |
| Barnstable County | 4 | 3 | 1 | 25.0% |
| Plymouth County | 3 | 3 | 0 | 0.0% |
| Worcester County | 3 | 3 | 0 | 0.0% |
| Nantucket County | 1 | 1 | 0 | 0.0% |
| Berkshire County | 1 | 0 | 1 | 100.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 229 applications in 2025, of which 191 were originated and 13 denied.
5.7% of all applications, or 6.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Everett Co-operative Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology