Lender profile · HMDA 2023–2025
Avidia Bank mortgage approval rates & lending data
Avidia Bank decided 798 mortgage applications and funded 697 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 304 / 317 | 96% | $425K | 291 |
| Home improvement loans | 76% | 106 / 140 | 97% | $55K | 103 |
| Cash-out refinance | 91% | 105 / 116 | 99% | $245K | 104 |
| Refinance | 100% | 34 / 34 | 94% | $455K | 32 |
| Investment property purchase | 92% | 112 / 122 | 96% | $345K | 108 |
| Investment cash-out refinance | 94% | 44 / 47 | 98% | $305K | 43 |
Avidia Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $385K | 730 | 635 |
| Rhode Island | 97% | $225K | 30 | 29 |
| New Hampshire | 96% | $425K | 24 | 23 |
| Maine | 100% | $265K | 7 | 7 |
| Florida | 80% | $345K | 5 | 3 |
| Connecticut | 0% | — | 2 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.