# Greenfield Savings Bank

> **Canonical URL:** https://saferate.com/lenders/greenfield-savings-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Greenfield Savings Bank is a bank, headquartered in Greenfield, MA, serving borrowers across 2 states, with 192 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300L6YKIXOYQ57883
- **Headquarters:** Greenfield, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, NY
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.421%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $980
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 192
- **Dollar Volume:** $66 million
- **Applications Received:** 255
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $342,865
- **Average Borrower Income:** $160,010
- **Average Property Value:** $470,208

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 187 | -0.419% | $974 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 165 loans, Score: 63/100 (Strong)
- Refinance: 22 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 170 | $60M | -0.474% | Strong 😀 |
| Refinance | 32/100 | 22 | $6M | +0.042% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 191 | 0.32% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Amherst Town | MA | 88 | 99/100 |
| Non |  | 82 | 56/100 |
| Springfield, MA | MA | 20 | 56/100 |

## Where This Lender Ranks

Greenfield Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Amherst Town for Conventional Loans
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Amherst Town for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Amherst Town Banks
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks)
- 🏆 **#7** in Amherst Town
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders)
- 🏆 **#12** in Springfield, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Springfield, MA Banks
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks)
- 🏆 **#15** in Massachusetts for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Greenfield Savings Bank offer?

Greenfield Savings Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Greenfield Savings Bank offer mortgages?

Greenfield Savings Bank offers mortgages in 2 states: MA, NY.

### How competitive are Greenfield Savings Bank's mortgage rates?

Greenfield Savings Bank has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.421% below market average.

### What type of lender is Greenfield Savings Bank?

Greenfield Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Greenfield, MA.

### What is Greenfield Savings Bank's loan approval success rate?

Greenfield Savings Bank has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/greenfield-savings-bank

### How to Cite

> "Greenfield Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/greenfield-savings-bank

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