Fidelity Co-operative Bank
Fidelity Co-operative Bank received 526 applications in 2025 and made 370 mortgages, in 20 counties across 5 states. The median rate its borrowers got was 5.990% on a median loan of $155,000. Of 482 decisions, 91 were denials — 18.9%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493004LN4GS7BNXIO13 |
|---|---|
| Applications received | 526 |
| Mortgages made | 370 |
| Denied | 91 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.28 points |
| FDIC-insured bank | Yes: Fidelity Co-operative Bank, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 108 | 6.125% | $305,000 | 7.4% |
| Refinancing | 11 | 6.500% | $75,000 | 13.3% |
| Cash-out refinancing | 73 | 5.990% | $155,000 | 24.8% |
| Other purposes | 178 | 5.990% | $105,000 | 22.5% |
Where Fidelity Co-operative Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 272 | 5.990% | 18.2% |
| Middlesex County, MA | 47 | 5.990% | 23.1% |
| Norfolk County, MA | 11 | 5.990% | 8.3% |
| Plymouth County, MA | 7 | Under 10 loans | 0.0% |
| Bristol County, MA | 5 | Under 10 loans | 16.7% |
| Essex County, MA | 5 | Under 10 loans | 14.3% |
| Franklin County, MA | 4 | Under 10 loans | 0.0% |
| Hampden County, MA | 4 | Under 10 loans | 20.0% |
| Suffolk County, MA | 3 | Under 10 loans | 50.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 0.0% |
| Barnstable County, MA | 2 | Under 10 loans | 60.0% |
| Capitol Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Northeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Washington County, ME | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Cheshire County, NH | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Piscataquis County, ME | 0 | Under 10 loans | Not published |
| Berkshire County, MA | 0 | Under 10 loans | Not published |
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When Fidelity 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.