Winchester Co-operative Bank mortgage approval rate & lending review
Winchester Co-operative Bank decided 479 mortgage applications and funded 452 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Winchester Co-operative Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Winchester Co-operative Bank at a glance
Approval is 13.6 points above the 82.3% 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 | 97% | 232 / 239 | 99% | $745K | 230 |
| Home improvement loans | 95% | 37 / 39 | 97% | $285K | 36 |
| Refinance | 88% | 67 / 76 | 97% | $245K | 65 |
| Investment property purchase | 98% | 83 / 85 | 99% | $1.06M | 82 |
| Investment refinance | 100% | 27 / 27 | 96% | $375K | 26 |
Winchester Co-operative Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 96% | $745K | 462 | 438 |
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 Winchester Co-operative Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 98% | 171 | 165 |
| Middlesex County, MA | Investment property purchase | 98% | 59 | 57 |
| Middlesex County, MA | Refinance | 93% | 54 | 48 |
| Middlesex County, MA | Home improvement loans | 94% | 34 | 31 |
The county markets where Winchester Co-operative Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Winchester Co-operative Bank
What is Winchester Co-operative Bank's mortgage approval rate?
Winchester Co-operative Bank approved 95.8% of the 479 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.6 points above the 82.3% national rate for the same mix of loan types.
How often do borrowers take the loan Winchester Co-operative Bank offers?
Borrowers accepted 98% of the loans Winchester Co-operative 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 Winchester Co-operative Bank make?
The typical home purchase mortgage loan Winchester Co-operative Bank made was $745K; across all loan types its typical loan ran from $245K to $1.06M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Winchester Co-operative Bank lend?
Winchester Co-operative Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Winchester Co-operative Bank directly?
Yes. Winchester Co-operative Bank is a bank or credit union with 2 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Winchester 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 Winchester Co-operative Bank treats applications, then get a rate quote from the lender.