Avidia Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 573 | 437 | 10.5% | 11.6% | 7.00% | $163M |
| 2024 | 243 | 187 | 6.6% | 7.7% | — | $91M |
| 2025 | 245 | 187 | 8.6% | 9.9% | — | $102M |
What Avidia Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 62 investment properties.
Who gets approved at Avidia Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 17 | 22.7% |
| $100k – $150k | 47 | 38 | 9.5% |
| $150k – $250k | 72 | 58 | 7.8% |
| Over $250k | 64 | 53 | 1.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 35 | 5.4% |
| 35–44 | 61 | 47 | 5.7% |
| 45–54 | 52 | 41 | 12.8% |
| 55–64 | 40 | 28 | 20.0% |
| 65–74 | 21 | 18 | 5.0% |
Where Avidia Bank lends
6 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 223 | 169 | 9.0% | — | #148 |
| New Hampshire | 9 | 7 | 11.1% | — | #266 |
| Rhode Island | 7 | 6 | 0.0% | — | #218 |
Frequently asked questions
Avidia Bank denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 54% of its applications were for home purchases, 28% for refinancing (including cash-out), and 18% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.