Avidia Bank mortgage approval rate & lending review
Avidia Bank decided 798 mortgage applications and funded 697 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Avidia Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Avidia Bank at a glance
Approval is 12.0 points above the 78.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 304 / 317 | 96% | $425K | 291 |
| Home improvement loans | 76% | 106 / 140 | 97% | $55K | 103 |
| Cash-out refinance | 91% | 105 / 116 | 99% | $245K | 104 |
| Refinance | 100% | 34 / 34 | 94% | $455K | 32 |
| Investment property purchase | 92% | 112 / 122 | 96% | $345K | 108 |
| Investment cash-out refinance | 94% | 44 / 47 | 98% | $305K | 43 |
Avidia Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $385K | 730 | 635 |
| Rhode Island | 97% | $225K | 30 | 29 |
| New Hampshire | 96% | $425K | 24 | 23 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Avidia Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Mortgage lenders | 94% | 147 | 132 |
| Worcester County, MA | Home improvement loans | 75% | 68 | 49 |
| Worcester County, MA | Investment property purchase | 96% | 51 | 48 |
| Worcester County, MA | Cash-out refinance | 87% | 47 | 41 |
| Middlesex County, MA | Cash-out refinance | 95% | 38 | 35 |
| Middlesex County, MA | Home improvement loans | 73% | 41 | 29 |
The county markets where Avidia Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Avidia Bank
What is Avidia Bank's mortgage approval rate?
Avidia Bank approved 90.4% of the 798 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points above the 78.3% national rate for the same mix of loan types.
How often do borrowers take the loan Avidia Bank offers?
Borrowers accepted 97% of the loans Avidia Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Avidia Bank make?
The typical home purchase mortgage loan Avidia Bank made was $425K; across all loan types its typical loan ran from $55K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Avidia Bank lend?
Avidia Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to Avidia Bank directly?
Yes. Avidia Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Avidia Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Avidia Bank treats applications, then get a rate quote from the lender.