Applications / Mortgage Analytics / Lenders / Massachusetts / MountainOne Bank
North Adams, MA · Savings institution · FDIC · $1.1 billion assets · 51 loans in 2025
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51
loans originated, 2025
85
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MountainOne Bank, a Massachusetts savings bank, has cut its home lending from 291 loans in 2018 to 51 in 2025, yet gained share in Pittsfield, its home market.
It made 51 loans in 2025, a third fewer than in 2024, while similar lenders, savings institutions making between half and twice as many loans, held steady. Fewer than one in ten of them fell further. The decline has run every year since 2020. Its typical rate was 3.00% then and 6.62% in 2025; dearer credit may have cut demand, and the bank may also have chosen to lend less.
Its loans totaled $29.7 million, more than at about seven in ten similar lenders, though it made fewer loans than most of them. Some 12.8% were jumbo loans (larger than the conforming limit), against 1.8% at peers. On 51 loans that is a handful, so it says more about a few borrowers than about a strategy. Its typical loan, $235,000, was close to the peer figure.
In Pittsfield its share rose from 0.7% to 1.2%, ranking it 13 of 202 lenders. Greylock Federal Credit Union leads there. It has lent in Pittsfield since 2004, its first year of reporting. In Boston, by contrast, it ranks 271 of 664.
Purchases made up 62.7% of its loans and home improvement 13.7%. None was higher-priced (a rate well above the average for similar loans). Its typical rate, 6.62%, was a little above the 6.50% typical of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MountainOne Bank took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.7% · Refinance 19.6% · Home improvement 13.7% · Other 3.9%
Conventional 100.0% · of 51 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 | 49 | 96.1% |
| Maine | 1 | 2.0% |
| Rhode Island | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Pittsfield | 31 |
| Boston | 14 |
| Cambridge-Newton-Framingham | 2 |
| Portland-South Portland | 1 |
| Providence-Warwick | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002578XYSRFY2C51 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 97804 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390253 | 2004–2017 |
Established 1 January 1848. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: MountainOne Bank's data.
MountainOne Bank's data
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MountainOne Bank 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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