Fidelity Co-Operative Bank Mortgage Lending & HMDA Data, 2025
In 2025, Fidelity Co-Operative Bank of Leominster, MA reported 565 mortgage applications totaling $118.5 million, down 11% from 2024. The average application was for $209,761, and applicants reported an average income of $158,946. 65% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Worcester, MA-CT (405), Cambridge-Newton-Framingham, MA (87) and Boston, MA (26) (applications in parentheses).
| Mortgage Company & Address | Fidelity Co-Operative Bank 9 Leominster Connector Leominster, MA 01453 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 565 |
| Total Mortgage Loan Application Amount | $118,515,000 |
| Average Mortgage Loan Application Amount | $209,761 |
| Highest Mortgage Loan Application Amount | $1,755,000 |
| Average Applicant Income | $158,946 |
| Highest Applicant Income | $2,287,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fidelity Co-Operative Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Worcester, Massachusetts | 405 | $ 78,865,000 | $ 194,728 | $ 144,000 |
| Middlesex, Massachusetts | 78 | $ 18,860,000 | $ 241,794 | $ 163,000 |
| Norfolk, Massachusetts | 13 | $ 2,665,000 | $ 205,000 | $ 349,000 |
| Essex, Massachusetts | 9 | $ 3,325,000 | $ 369,444 | $ 346,000 |
| Plymouth, Massachusetts | 7 | $ 2,585,000 | $ 369,285 | $ 308,000 |
| Barnstable, Massachusetts | 6 | $ 1,860,000 | $ 310,000 | $ 311,000 |
| Bristol, Massachusetts | 6 | $ 710,000 | $ 118,333 | $ 135,000 |
| Franklin, Massachusetts | 6 | $ 810,000 | $ 135,000 | $ 106,000 |
| Hampden, Massachusetts | 6 | $ 1,850,000 | $ 308,333 | $ 161,000 |
| Suffolk, Massachusetts | 6 | $ 940,000 | $ 156,666 | $ 255,000 |
| Cheshire, New Hampshire | 5 | $ 1,225,000 | $ 245,000 | $ 107,000 |
| Hillsborough, New Hampshire | 3 | $ 965,000 | $ 321,666 | $ 335,000 |
| Capitol Planning Region, Connecticut | 2 | $ 110,000 | $ 55,000 | $ 148,000 |
| Northeastern Connecticut Planning Region, Connecticut | 2 | $ 240,000 | $ 120,000 | $ 81,000 |
| Hampshire, Massachusetts | 2 | $ 570,000 | $ 285,000 | $ 93,000 |
| Lee, Florida | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Piscataquis, Maine | 1 | $ 435,000 | $ 435,000 | $ 229,000 |
| Washington, Maine | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Berkshire, Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Merrimack, New Hampshire | 1 | $ 105,000 | $ 105,000 | $ 166,000 |
Mortgage Loan Application Detail Totals for Fidelity Co-Operative Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 180 | $21,670,000 | $120,000 | $1,005,000 | $153,000 | $1,865,000 |
| Home Purchase | 180 | $61,530,000 | $341,000 | $1,755,000 | $163,000 | $2,287,000 |
| Cash-out Refinancing | 116 | $22,170,000 | $191,000 | $525,000 | $164,000 | $605,000 |
| Other Purpose | 69 | $9,205,000 | $133,000 | $505,000 | $169,000 | $747,000 |
| Refinancing | 20 | $3,940,000 | $197,000 | $475,000 | $112,000 | $268,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 446 | $89,790,000 | $201,000 | $1,005,000 | $161,000 | $2,287,000 |
| Not Provided | 50 | $11,510,000 | $230,000 | $1,235,000 | $202,000 | $1,416,000 |
| Hispanic | 30 | $6,310,000 | $210,000 | $705,000 | $100,000 | $204,000 |
| Black or African American | 18 | $3,050,000 | $169,000 | $455,000 | $87,000 | $171,000 |
| Asian | 12 | $3,800,000 | $316,000 | $605,000 | $182,000 | $340,000 |
| Not applicable | 6 | $3,840,000 | $640,000 | $1,755,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $215,000 | $71,000 | $95,000 | $73,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 564 | $118,290,000 | $209,000 | $1,755,000 | $159,000 | $2,287,000 |
| FHA-insured (Federal Housing Administration) | 1 | $225,000 | $225,000 | $225,000 | $69,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 370 | $75,770,000 | $204,000 | $1,755,000 | $168,000 | $2,287,000 |
| Application Denied By Financial Institution | 91 | $13,165,000 | $144,000 | $595,000 | $135,000 | $747,000 |
| Application Withdrawn By Applicant | 36 | $8,880,000 | $246,000 | $605,000 | $141,000 | $325,000 |
| Preapproval Approved but not Accepted | 32 | $11,980,000 | $374,000 | $1,235,000 | $133,000 | $473,000 |
| Application Approved But Not Accepted | 21 | $3,475,000 | $165,000 | $595,000 | $185,000 | $1,416,000 |
| File Closed For Incompleteness | 8 | $2,890,000 | $361,000 | $855,000 | $157,000 | $268,000 |
| Preapproval Denied by Financial Institution | 7 | $2,355,000 | $336,000 | $505,000 | $148,000 | $453,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 467 | $102,995,000 | $220,000 | $1,755,000 | $164,000 | $2,287,000 |
| Debt-To-Income Ratio | 53 | $9,705,000 | $183,000 | $595,000 | $123,000 | $747,000 |
| Credit History | 33 | $4,375,000 | $132,000 | $425,000 | $141,000 | $428,000 |
| Collateral | 9 | $825,000 | $91,000 | $285,000 | $151,000 | $352,000 |
| Other | 3 | $615,000 | $205,000 | $505,000 | $245,000 | $453,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fidelity Co-Operative Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Fidelity Co-Operative Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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