# Fidelity Co-operative Bank

> **Canonical URL:** https://saferate.com/lenders/fidelity-co-operative-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Fidelity Co-operative Bank is a bank, headquartered in Leominster, MA, serving borrowers across 2 states, with 82 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493004LN4GS7BNXIO13
- **Headquarters:** Leominster, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, NH
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.1%
- **Brokered/Wholesale:** 1.9%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.123%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $635
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 82
- **Dollar Volume:** $30 million
- **Applications Received:** 106
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $367,805
- **Average Borrower Income:** $148,805
- **Average Property Value:** $509,268

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 77 | +0.124% | $639 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 63 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 68 | $27M | +0.207% | Acceptable 🙂 |
| Refinance | 33/100 | 14 | $3M | -0.279% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 79 | 0.13% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Worcester, MA | MA | 60 | 79/100 |

## Where This Lender Ranks

Fidelity Co-operative Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Worcester, MA Banks
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Fidelity Co-operative Bank offer?

Fidelity Co-operative Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fidelity Co-operative Bank offer mortgages?

Fidelity Co-operative Bank offers mortgages in 2 states: MA, NH.

### How competitive are Fidelity Co-operative Bank's mortgage rates?

Fidelity Co-operative Bank has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.123% above market average.

### What type of lender is Fidelity Co-operative Bank?

Fidelity Co-operative Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Leominster, MA.

### What is Fidelity Co-operative Bank's loan approval success rate?

Fidelity Co-operative Bank has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fidelity-co-operative-bank

### How to Cite

> "Fidelity Co-operative Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fidelity-co-operative-bank

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