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 score and performance metrics.

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 an overall pricing score of 73/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Fidelity Co-operative Bank?

Fidelity Co-operative Bank is a Bank headquartered in Leominster, MA.

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Fidelity Co-operative Bank

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Fidelity Co-operative Bank has 82 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Fidelity Co-operative Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+12.3 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

77 loans · 0.12% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

68 loans · 0.21% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

14 loans · 0.28% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Sound	77	93.9%	+0.124%Above	$639Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume77

Mix93.9%

Spread

+0.124%Above

Fees

$639Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	68	82.9%	+0.207%Above	$676Fees
Refinance	Sound	Acceptable	—	Sound	14	17.1%	-0.279%Below	$438Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume68

Mix82.9%

Spread

+0.207%Above

Fees

$676Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume14

Mix17.1%

Spread

-0.279%Below

Fees

$438Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

106

Volume

$30 million

Pricing & Closing

Avg Rate Spread

+0.123%

vs. market APOR

Avg Net Fees

$635

Origination − Credits

Pullthrough Rate

77.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$367,805

Avg Borrower Income

$148,805

Avg Property Value

$509,268

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast2

MANH

Top Metro Areas by Place Specialization Score

Worcester, MAMetro

Volume 60Mix 73.17% of portfolio

79/100

Strong

Top States by Place Specialization Score

MassachusettsState

Volume 79Mix 96.34% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.