Reading Co-Operative Bank
Reading Co-Operative Bank received 184 applications in 2025 and made 127 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $505,000. Of 152 decisions, 20 were denials — 13.2%.
| Legal Entity Identifier | 549300BNF48S5Z88UL34 |
|---|---|
| Applications received | 184 |
| Mortgages made | 127 |
| Denied | 20 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Reading Co-operative Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 67 | Not published | $645,000 | 7.8% |
| Refinancing | 16 | Not published | $635,000 | 11.1% |
| Cash-out refinancing | 24 | Not published | $305,000 | 22.6% |
| Other purposes | 20 | Not published | $80,000 | 19.2% |
Where Reading Co-Operative Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 56 | Not published | 18.6% |
| Essex County, MA | 51 | Not published | 9.8% |
| Suffolk County, MA | 8 | Under 10 loans | 0.0% |
| Rockingham County, NH | 3 | Under 10 loans | 0.0% |
| Worcester County, MA | 2 | Under 10 loans | 33.3% |
| Strafford County, NH | 2 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 1 | Under 10 loans | 0.0% |
| Dukes County, MA | 0 | Under 10 loans | Not published |
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When Reading Co-Operative Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.