Growing faster than its peers
It made 422 loans, up from 355, while similar lenders (savings institutions making between half and twice as many loans) grew 4% and the whole market 10%. Dollars rose to $172.3 million from $145.6 million.
Applications / Mortgage Analytics / Lenders / Massachusetts / Greenfield Savings Bank
Greenfield Savings Bank
Greenfield, MA · Savings institution · FDIC · $1.5 billion assets · 422 loans in 2025
Greenfield Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
422
loans originated, 2025
576
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greenfield Savings Bank is the second-biggest of 199 lenders in Amherst Town-Northampton, and its loans grew 19% in 2025, far faster than similar lenders'.
Second at home, with less of the market
Only Florence Bank ranked higher in Amherst Town-Northampton, but Greenfield Savings Bank's share there fell to 8.7% from 10.4%. Gains by other local lenders or its own growth coming elsewhere are possible reasons: in Pittsfield its share rose to 1.0% from 0.3%.
Lower rates than most
Its typical rate was 6.25%, against 6.59% at similar lenders, lower than at about nine in ten of them. None of its loans was higher-priced (a rate well above the average for similar loans). Purchases were 65.9% of its lending.
More poorer borrowers
Low- and moderate-income (LMI) borrowers took 30.4% of its loans, up from 28.5% and against 25.5% at similar lenders. LMI areas took 17.3%, against 15.1%.
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
422 loans in 2025, against a peak of 559 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greenfield Savings Bank took 576 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
65.9% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 65.9% · Home improvement 14.5% · Refinance 14.0% · Other 5.7%
Conventional 100.0% · of 422 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
3 states, 7 metros, 9 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 419 | 99.3% |
| Vermont | 2 | 0.5% |
| Connecticut | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Amherst Town-Northampton | 151 |
| Springfield | 44 |
| Pittsfield | 11 |
| Worcester | 10 |
| Barnstable Town | 2 |
| Boston | 1 |
| Hartford-West Hartford-East Hartford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L6YKIXOYQ57883 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 632607 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390206 | 2003–2017 |
Established 19 March 1869. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Greenfield Savings Bank's data.
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