The Pittsfield 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 C 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%
44th11.1% deniedProcesswithdrawn + incomplete share, weight 15%
45th12.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 139 | 99 | 15.8% | 17.3% | — | $19M |
| 2024 | 107 | 76 | 12.2% | 13.8% | — | $14M |
| 2025 | 216 | 162 | 9.7% | 11.1% | — | $50M |
What The Pittsfield 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, 24 investment properties.
Who gets approved at The Pittsfield Co-operative Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 66 | 50 | 13.6% |
| $100k – $150k | 40 | 28 | 12.1% |
| $150k – $250k | 40 | 30 | 13.5% |
| Over $250k | 44 | 35 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 27 | 10.0% |
| 35–44 | 42 | 34 | 12.5% |
| 45–54 | 36 | 23 | 17.9% |
| 55–64 | 47 | 32 | 7.7% |
| 65–74 | 39 | 27 | 15.2% |
Where The Pittsfield Co-operative Bank lends
3 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 205 | 154 | 9.3% | — | #157 |
| Connecticut | 6 | 5 | 16.7% | — | #418 |
| New York | 5 | 3 | 20.0% | — | #516 |
Frequently asked questions
The Pittsfield Co-operative Bank denied 11.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 17% for refinancing (including cash-out), and 17% 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.