Winter Hill Bank, FSB
Winter Hill Bank, FSB received 94 applications in 2025 and made 72 mortgages, in 11 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $470,000. Of 80 decisions, 8 were denials — 10.0%, most often for debt-to-income ratio. 38 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900YEG6LSF1BFA422 |
|---|---|
| Applications received | 94 |
| Mortgages made | 72 |
| Denied | 8 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Winter Hill Bank, FSB, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 44 | Not published | $535,000 | 4.4% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Cash-out refinancing | 10 | Not published | $305,000 | 33.3% |
| Other purposes | 13 | Not published | $255,000 | 0.0% |
Where Winter Hill Bank, FSB lends most
The 11 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 | 34 | Not published | 2.9% |
| Essex County, MA | 17 | Not published | 29.2% |
| Suffolk County, MA | 8 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 0.0% |
| Barnstable County, MA | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 2 | Under 10 loans | 0.0% |
| Rockingham County, NH | 2 | Under 10 loans | 0.0% |
| Dukes County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
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When Winter Hill Bank, FSB’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.