Everett Co-operative Bank mortgage approval rate & lending review
Everett Co-operative Bank decided 446 mortgage applications and funded 374 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Everett Co-operative Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Everett Co-operative Bank at a glance
Approval is 10.9 points above the 76.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 81 / 90 | 100% | $525K | 81 |
| Home improvement loans | 90% | 36 / 40 | 94% | $155K | 34 |
| Cash-out refinance | 78% | 91 / 116 | 95% | $295K | 86 |
| Investment property purchase | 96% | 90 / 94 | 94% | $945K | 85 |
| Investment cash-out refinance | 78% | 21 / 27 | 100% | $405K | 21 |
| Investment refinance | 88% | 42 / 48 | 95% | $615K | 40 |
Everett Co-operative Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 87% | $525K | 430 | 359 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Everett Co-operative Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Cash-out refinance | 80% | 50 | 38 |
| Middlesex County, MA | Investment property purchase | 95% | 37 | 34 |
| Essex County, MA | Cash-out refinance | 80% | 40 | 29 |
| Suffolk County, MA | Investment property purchase | 100% | 32 | 29 |
| Suffolk County, MA | Investment refinance | 86% | 21 | 16 |
The county markets where Everett Co-operative Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Everett Co-operative Bank
What is Everett Co-operative Bank's mortgage approval rate?
Everett Co-operative Bank approved 87.2% of the 446 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 76.4% national rate for the same mix of loan types.
How often do borrowers take the loan Everett Co-operative Bank offers?
Borrowers accepted 96% of the loans Everett Co-operative Bank approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Everett Co-operative Bank make?
The typical cash-out refinance loan Everett Co-operative Bank made was $295K; across all loan types its typical loan ran from $155K to $945K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Everett Co-operative Bank lend?
Everett Co-operative Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Maine and New Hampshire.
Can I apply to Everett Co-operative Bank directly?
Yes. Everett Co-operative Bank is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Everett Co-operative Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Everett Co-operative Bank treats applications, then get a rate quote from the lender.