# MountainOne Bank

> **Canonical URL:** https://saferate.com/lenders/mountainone-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


MountainOne Bank is a bank, headquartered in North Adams, MA, serving borrowers across 2 states, with 36 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002578XYSRFY2C51
- **Headquarters:** North Adams, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, VT
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.099%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $807
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 36
- **Dollar Volume:** $20 million
- **Applications Received:** 60
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $541,667
- **Average Borrower Income:** $250,722
- **Average Property Value:** $891,944

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 31 | +0.116% | $778 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 26 loans, Score: 20/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 30 | $16M | +0.111% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 34 | 0.06% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boston, MA | MA | 18 | 56/100 |
| Pittsfield, MA | MA | 10 | 49/100 |

## Where This Lender Ranks

MountainOne Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Pittsfield, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Pittsfield, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/pittsfield-ma/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does MountainOne Bank offer?

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

### Where does MountainOne Bank offer mortgages?

MountainOne Bank offers mortgages in 2 states: MA, VT.

### How competitive are MountainOne Bank's mortgage rates?

MountainOne Bank has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.099% above market average.

### What type of lender is MountainOne Bank?

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

### What is MountainOne Bank's loan approval success rate?

MountainOne Bank has a pull-through score of 30/100 (Acceptable). 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/mountainone-bank

### How to Cite

> "MountainOne Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mountainone-bank

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