The Cooperative Bank mortgage approval rate & lending review
The Cooperative Bank decided 287 mortgage applications and funded 246 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Cooperative Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Cooperative Bank at a glance
Approval is 9.7 points above the 82.6% 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 | 94% | 152 / 161 | 95% | $365K | 144 |
| Investment property purchase | 98% | 46 / 47 | 87% | $975K | 40 |
The Cooperative Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 92% | $365K | 287 | 246 |
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 The Cooperative Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Suffolk County, MA | Mortgage lenders | 98% | 80 | 75 |
| Suffolk County, MA | Investment property purchase | 97% | 30 | 24 |
The county markets where The Cooperative Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Cooperative Bank
What is The Cooperative Bank's mortgage approval rate?
The Cooperative Bank approved 92.3% of the 287 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 82.6% national rate for the same mix of loan types.
How often do borrowers take the loan The Cooperative Bank offers?
Borrowers accepted 93% of the loans The Cooperative Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Cooperative Bank make?
The typical home purchase mortgage loan The Cooperative Bank made was $365K; across all loan types its typical loan ran from $365K to $975K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Cooperative Bank lend?
The Cooperative Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Massachusetts.
Can I apply to The Cooperative Bank directly?
Yes. The Cooperative Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Cooperative 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 The Cooperative Bank treats applications, then get a rate quote from the lender.