# GREYLOCK FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/greylock-federal-credit-union


> **📋 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


GREYLOCK FEDERAL CREDIT UNION is a credit union, headquartered in Pittsfield, MA, serving borrowers across 7 states, with 344 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300XLRD9QLLJRCB89
- **Headquarters:** Pittsfield, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CT, FL, MA, ME, NY, VA, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.116%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-852
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 344
- **Dollar Volume:** $88 million
- **Applications Received:** 524
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $256,541
- **Average Borrower Income:** $140,613
- **Average Property Value:** $360,930

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 72/100 | 341 | +0.114% | $-866 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 310 loans, Score: 73/100 (Strong)
- Refinance: 31 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 312 | $82M | +0.058% | Strong 😀 |
| Refinance | 58/100 | 32 | $7M | +0.671% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 315 | 0.52% | 80/100 |
| NY | 18 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Pittsfield, MA | MA | 307 | 100/100 |
| Non |  | 19 | 29/100 |

## Where This Lender Ranks

GREYLOCK FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Pittsfield, MA
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders)
- 🥈 **#2** in Pittsfield, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does GREYLOCK FEDERAL CREDIT UNION offer?

GREYLOCK FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GREYLOCK FEDERAL CREDIT UNION offer mortgages?

GREYLOCK FEDERAL CREDIT UNION offers mortgages in 7 states: CT, FL, MA, ME, NY, VA, VT.

### How competitive are GREYLOCK FEDERAL CREDIT UNION's mortgage rates?

GREYLOCK FEDERAL CREDIT UNION has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.116% above market average.

### What type of lender is GREYLOCK FEDERAL CREDIT UNION?

GREYLOCK FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Pittsfield, MA.

### What is GREYLOCK FEDERAL CREDIT UNION's loan approval success rate?

GREYLOCK FEDERAL CREDIT UNION has a pull-through score of 69/100 (Strong). 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/greylock-federal-credit-union

### How to Cite

> "GREYLOCK FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/greylock-federal-credit-union

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