Fidelity Co-operative Bank mortgage approval rate & lending review
Fidelity Co-operative Bank decided 1,215 mortgage applications and funded 936 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Fidelity Co-operative Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Fidelity Co-operative Bank at a glance
Approval is 10.5 points above the 71.8% 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 | 92% | 291 / 318 | 92% | $285K | 269 |
| Home improvement loans | 79% | 376 / 473 | 96% | $75K | 360 |
| Cash-out refinance | 77% | 252 / 326 | 92% | $125K | 232 |
| Refinance | 85% | 33 / 39 | 91% | $105K | 30 |
| Investment property purchase | 87% | 26 / 30 | 92% | $355K | 24 |
Fidelity Co-operative Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 82% | $125K | 1,198 | 920 |
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 Fidelity Co-operative Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 79% | 345 | 262 |
| Worcester County, MA | Mortgage lenders | 91% | 249 | 210 |
| Worcester County, MA | Cash-out refinance | 78% | 237 | 170 |
| Middlesex County, MA | Home improvement loans | 79% | 68 | 49 |
| Middlesex County, MA | Cash-out refinance | 75% | 59 | 43 |
| Worcester County, MA | Refinance | 87% | 31 | 24 |
| Worcester County, MA | Investment property purchase | 82% | 22 | 17 |
The county markets where Fidelity Co-operative Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Fidelity Co-operative Bank
What is Fidelity Co-operative Bank's mortgage approval rate?
Fidelity Co-operative Bank approved 82.3% of the 1,215 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 71.8% national rate for the same mix of loan types.
How often do borrowers take the loan Fidelity Co-operative Bank offers?
Borrowers accepted 94% of the loans Fidelity Co-operative Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Fidelity Co-operative Bank make?
The typical home improvement loan loan Fidelity Co-operative Bank made was $75K; across all loan types its typical loan ran from $75K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Fidelity Co-operative Bank lend?
Fidelity Co-operative Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and California.
Can I apply to Fidelity Co-operative Bank directly?
Yes. Fidelity Co-operative Bank is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Fidelity Co-operative 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 Fidelity Co-operative Bank treats applications, then get a rate quote from the lender.