A sharp rebound
It made 274 loans, up from 197, while similar lenders (state member banks making between half and twice as many loans) typically grew by 7%. The rise followed three years of decline from 406 in 2021.
Applications / Mortgage Analytics / Lenders / Massachusetts / Greenfield Co-Operative Bank
Greenfield Co-Operative Bank
Greenfield, MA · State member bank · FRS · $846 million assets · 274 loans in 2025
Greenfield Co-Operative Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
274
loans originated, 2025
351
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greenfield Co-Operative Bank made 39% more loans in 2025, growing faster than nearly nine in ten similar banks, and it now ranks third in Amherst Town-Northampton.
Gaining at home
Its share in Amherst Town-Northampton rose to 4.7% from 2.9%, ranking 3 of 199 behind Florence Bank and Greenfield Savings Bank. In Springfield its share slipped to 0.8%. Large national lenders compete there, and a small bank may put its effort into its home counties. Filings of Northampton Cooperative Bank, which merged into it in 2015, count in these figures.
Bigger purchase loans
Purchases made up 70.8% of its lending. Its typical loan was $285,000, larger than at about four in five similar lenders, where it was $195,000. It turned down 1.3% of home-purchase applications, against 6.9% at similar lenders.
Lending to modest earners
Low- and moderate-income (LMI) borrowers took 31.1% of its loans and LMI neighborhoods 20.8%. Both were higher than similar lenders' 27.9% and 16.2%.
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
274 loans in 2025, against a peak of 406 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greenfield Co-Operative Bank took 351 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 70.8% · Home improvement 15.0% · Refinance 10.9% · Other 3.3%
Conventional 100.0% · of 274 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
1 state, 2 metros, 3 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 274 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Amherst Town-Northampton | 106 |
| Springfield | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V6HTJCSW4YN309 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 326979 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326397 | 2004–2011 |
| Respondent ID (the HMDA filer code before 2018) | 2326979 | 2012–2017 |
Established 1 January 1905. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Greenfield Co-Operative Bank's data.
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