Applications / Mortgage Analytics / Lenders / Massachusetts / Fidelity Co-Operative Bank
Leominster, MA · State member bank · FRS · $1.4 billion assets · 370 loans in 2025
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370
loans originated, 2025
526
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fidelity Co-Operative Bank, a Massachusetts lender, makes more home-improvement loans than any other kind.
Home improvement made up 36.2% of its loans, purchases 29.2% and refinances 22.7%. All were conventional. Its typical loan was $155,000, against $195,000 at similar lenders (banks of the same type making between half and twice as many loans), which fits that mix.
Its typical rate was 5.99%, against 6.69% at similar lenders, lower than nearly all of them. None of its loans was higher-priced (a rate well above the average for similar loans); at its peers 2.4% were.
Worcester, MA is its largest market. There it ranked 38 of 451 lenders, with 0.7% of lending, down from 0.9%. Its loan count fell 4% while similar lenders grew 6%. Fewer jumbo loans (larger than the conforming limit), 0.7% of its lending against 4.8% in 2024, and a tilt toward smaller home-improvement loans may explain the lower dollar share.
Borrowers with low and moderate incomes took 35.1% of its loans, against 27.7% at similar lenders, more than about four in five of them. In 2024 the share was 30.3%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fidelity Co-Operative Bank took 526 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.2% · Purchase 29.2% · Refinance 22.7% · Other 11.9%
Conventional 100.0% · of 370 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 361 | 97.6% |
| New Hampshire | 5 | 1.4% |
| Connecticut | 2 | 0.5% |
| Florida | 1 | 0.3% |
| Maine | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 273 |
| Cambridge-Newton-Framingham | 52 |
| Boston | 21 |
| Providence-Warwick | 5 |
| Springfield | 4 |
| Manchester-Nashua | 3 |
| Barnstable Town | 2 |
| Amherst Town-Northampton | 1 |
| Cape Coral-Fort Myers | 1 |
| Hartford-West Hartford-East Hartford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004LN4GS7BNXIO13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 933377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326451 | 1992–2017 |
Established 1 January 1888. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Fidelity Co-Operative Bank's data.
Fidelity Co-Operative Bank's data
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Fidelity Co-Operative Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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