Applications / Mortgage Analytics / Lenders / Massachusetts / Greylock Federal Credit Union
Pittsfield, MA · Credit union · NCUA · $1.7 billion assets · 1,003 loans in 2025
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1,003
loans originated, 2025
1,436
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greylock Federal Credit Union is the largest mortgage lender in Pittsfield, MA, by amount lent, ranking 1 of 202 with 21.9% of the market, and much of its lending is home-improvement and other-purpose loans.
It ranked 1 of 202 lenders in Pittsfield, MA, where it has reported since 1996, ahead of Adams Community Bank, Guild Mortgage Company and Pittsfield Co-Operative Bank. Its share was 21.9%, against 22.1% the year before, a small fall of 0.2 points.
Home improvement made up 38.0% of its loans and other purposes 13.3%, beside 38.7% for purchase and 10.1% for refinance. Every loan was conventional: it made no FHA (insured by the Federal Housing Administration) or VA (guaranteed by the Department of Veterans Affairs) loans. Its typical rate, 6.38%, was lower than at about four in five similar lenders (credit unions making between half and twice as many loans), at 7.00%, and 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 1.7%.
LMI (low- and moderate-income) borrowers took 34.9% of its loans, higher than more than four in five similar lenders (27.7%). Majority-minority areas took 0.1%, against 10.6%; its lending centres on Pittsfield and non-metro areas, and the make-up of those places is one possible reason.
Originations rose 5% to 1,003, against 9% at similar lenders and 10% for the whole market. Its home-purchase denial rate was 3.2%, lower than the 6.1% at similar lenders.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greylock Federal Credit Union took 1,436 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.7% · Home improvement 38.0% · Other 13.3% · Refinance 10.1%
Conventional 100.0% · of 1,003 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 | 931 | 92.8% |
| New York | 44 | 4.4% |
| Vermont | 25 | 2.5% |
| South Carolina | 2 | 0.2% |
| Connecticut | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsfield | 906 |
| Amherst Town-Northampton | 12 |
| Albany-Schenectady-Troy | 7 |
| Springfield | 7 |
| Barnstable Town | 2 |
| Cambridge-Newton-Framingham | 2 |
| Glens Falls | 1 |
| Greenville-Anderson-Greer | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XLRD9QLLJRCB89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 263092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524560 | 1996–2017 |
Established 1 January 1935. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Greylock Federal Credit Union's data.
Greylock Federal Credit Union's data
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Greylock Federal Credit Union 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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