Greenfield Co-operative Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
67th6.1% deniedProcesswithdrawn + incomplete share, weight 15%
32nd15.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 284 | 219 | 6.7% | 7.9% | — | $58M |
| 2024 | 275 | 197 | 7.3% | 9.0% | — | $58M |
| 2025 | 351 | 274 | 5.1% | 6.1% | — | $77M |
What Greenfield Co-operative Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 73 investment properties.
Who gets approved at Greenfield Co-operative Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 6 | 41.7% |
| $50k – $100k | 100 | 75 | 8.5% |
| $100k – $150k | 68 | 53 | 3.5% |
| $150k – $250k | 83 | 75 | 2.6% |
| Over $250k | 22 | 13 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 70 | 58 | 6.4% |
| 35–44 | 74 | 55 | 6.8% |
| 45–54 | 52 | 37 | 14.0% |
| 55–64 | 54 | 39 | 7.0% |
| 65–74 | 25 | 18 | 0.0% |
Where Greenfield Co-operative Bank lends
2 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 350 | 274 | 5.1% | — | #105 |
Frequently asked questions
Greenfield Co-operative Bank denied 6.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 12% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.