Fidelity Co-operative Bank in Massachusetts vs the state
17.4%Denial rate+1.17 pts vs state
18.9%Decision denial rate-1.05 pts vs state
70.5%Origination rate+7.91 pts vs state
5.99%Median rate-0.63 pts vs state
-0.28Rate spread (pts)-0.37 pts vs state
$127kMedian applicant income
361Loans originated
89Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 512 | 362 | 17.2% | 5.99% | #82 |
| 2024 | 555 | 367 | 20.0% | 5.99% | #73 |
| 2025 | 512 | 361 | 17.4% | 5.99% | #86 |
What Fidelity Co-operative Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Fidelity Co-operative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 383 | 272 | 64 | 16.7% |
| Middlesex County | 72 | 47 | 15 | 20.8% |
| Norfolk County | 13 | 11 | 1 | 7.7% |
| Essex County | 8 | 5 | 1 | 12.5% |
| Plymouth County | 7 | 7 | 0 | 0.0% |
| Bristol County | 6 | 5 | 1 | 16.7% |
| Suffolk County | 6 | 3 | 3 | 50.0% |
| Barnstable County | 6 | 2 | 3 | 50.0% |
| Hampden County | 5 | 4 | 1 | 20.0% |
| Franklin County | 5 | 4 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 512 applications in 2025, of which 361 were originated and 89 denied.
17.4% of all applications, or 18.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Fidelity Co-operative Bank originated in Massachusetts in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Fidelity Co-operative Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology