The Cooperative Bank in Massachusetts vs the state
8.7%Denial rate-7.51 pts vs state
9.7%Decision denial rate-10.24 pts vs state
75.7%Origination rate+13.05 pts vs state
—Median rate
—Rate spread (pts)
$161kMedian applicant income
87Loans originated
10Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 93 | 3.7% | — | #218 |
| 2024 | 115 | 86 | 9.6% | — | #213 |
| 2025 | 115 | 87 | 8.7% | — | #231 |
What The Cooperative Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most The Cooperative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 63 | 47 | 4 | 6.3% |
| Norfolk County | 25 | 15 | 4 | 16.0% |
| Middlesex County | 10 | 10 | 0 | 0.0% |
| Bristol County | 9 | 7 | 2 | 22.2% |
| Plymouth County | 5 | 5 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
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: 115 applications in 2025, of which 87 were originated and 10 denied.
8.7% of all applications, or 9.7% 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 The Cooperative 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