Avidia Bank
Avidia Bank received 245 applications in 2025 and made 187 mortgages, in 20 counties across 6 states. The median rate its borrowers got was Not published on a median loan of $425,000. Of 212 decisions, 21 were denials — 9.9%.
| Legal Entity Identifier | 549300SZBQMYMAL3OM08 |
|---|---|
| Applications received | 245 |
| Mortgages made | 187 |
| Denied | 21 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Avidia Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 106 | Not published | $475,000 | 6.9% |
| Refinancing | 19 | Not published | $455,000 | 9.1% |
| Cash-out refinancing | 37 | Not published | $395,000 | 11.9% |
| Other purposes | 25 | Not published | $55,000 | 18.8% |
Where Avidia Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 82 | Not published | 12.5% |
| Middlesex County, MA | 53 | Not published | 6.9% |
| Norfolk County, MA | 12 | Not published | 7.7% |
| Essex County, MA | 7 | Under 10 loans | 12.5% |
| Suffolk County, MA | 7 | Under 10 loans | 12.5% |
| Hillsborough County, NH | 5 | Under 10 loans | 0.0% |
| Providence County, RI | 4 | Under 10 loans | 0.0% |
| Plymouth County, MA | 3 | Under 10 loans | 0.0% |
| Northeastern Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Barnstable County, MA | 2 | Under 10 loans | 0.0% |
| Franklin County, MA | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Franklin County, ME | 1 | Under 10 loans | 0.0% |
| York County, ME | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Cheshire County, NH | 1 | Under 10 loans | 50.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Bristol County, RI | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
| Dukes County, MA | 0 | Under 10 loans | 100.0% |
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When Avidia Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.