Purchase Originations
205
Median Total Costs
$4,304
−35.6% vs national ($6,680)
↑ $161 vs prior year
Median Rate
5.375%
−17.2% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$700
Median Lender Credits
$750
Denial Rate
5.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 205 | 5.375% | $4,304 | $700 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 204 | 5.375% | $4,306 | #51 |
| Connecticut | 1 | 5.250% | $3,948 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,213 | 5.625% | — | 2 | −$1,091 | |
| 2 | $3,948 | 5.250% | — | 1 | −$356 | |
| 3 | $4,039 | 5.625% | — | 1 | −$265 | |
| 4 | $4,234 | 5.500% | — | 92 | −$70 | |
| 5 | $4,324 | 5.312% | — | 18 | +$20 | |
| 6 | $4,446 | 5.375% | — | 89 | +$142 | |
| 7 | $5,447 | 4.990% | — | 1 | +$1,143 | |
| 8 | $6,363 | 5.875% | — | 1 | +$2,059 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Greenfield Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $4,304 | $7,127 | −$2,823 (−39.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.