Applications / Mortgage Analytics / Lenders / Massachusetts / Walpole Co-Operative Bank
Walpole, MA · State member bank · FRS · $637 million assets · 43 loans in 2025
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43
loans originated, 2025
50
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Walpole Co-Operative Bank, a Massachusetts bank founded in 1912, makes few home loans but very large ones: its typical loan in 2025 was $1.3 million.
Its typical loan was $1.3 million, against $185,000 at similar lenders, state member banks making between half and twice as many loans. That was higher than at almost all of its 116 peers. Half its loans were jumbo loans, larger than the conforming limit, against 2.7% at the typical peer. The same was true in 2024.
It made 43 loans in 2025, 23% more than a year before, while similar lenders grew 6% and the whole market 10%. Its growth was faster than at about two-thirds of its peers. On so few loans, a handful either way moves the figure a lot, so one year's rise says little about a trend.
Purchases made up 76.7% of its loans and refinances 18.6%. Every loan was conventional, with no government backing. It lends in only 4 counties, all in Massachusetts; in the Boston market it ranked 138th of 664 lenders. It has reported its home lending since 1992.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Walpole Co-Operative Bank took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.7% · Refinance 18.6% · Home improvement 4.7%
Conventional 100.0% · of 43 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 25 |
| Cambridge-Newton-Framingham | 12 |
| Providence-Warwick | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003ZQY78H3VXMF14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 63573 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326487 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 263573 | 2011–2017 |
Established 1 January 1912. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Walpole Co-Operative Bank's data.
Walpole Co-Operative Bank's data
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Walpole Co-Operative Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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