Winchester Co-operative Bank in Massachusetts vs the state
4.6%Denial rate-11.57 pts vs state
5.5%Decision denial rate-14.43 pts vs state
78.4%Origination rate+15.75 pts vs state
—Median rate
—Rate spread (pts)
$210kMedian applicant income
152Loans originated
9Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 176 | 2.4% | — | #152 |
| 2024 | 159 | 140 | 2.5% | — | #176 |
| 2025 | 194 | 152 | 4.6% | — | #166 |
What Winchester Co-operative Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Winchester Co-operative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 143 | 111 | 6 | 4.2% |
| Essex County | 16 | 12 | 2 | 12.5% |
| Suffolk County | 11 | 8 | 0 | 0.0% |
| Barnstable County | 9 | 8 | 0 | 0.0% |
| Norfolk County | 7 | 7 | 0 | 0.0% |
| Worcester County | 5 | 4 | 0 | 0.0% |
| Plymouth County | 3 | 2 | 1 | 33.3% |
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: 194 applications in 2025, of which 152 were originated and 9 denied.
4.6% of all applications, or 5.5% 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 Winchester 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