Mortgage lending in Hampshire County, Massachusetts
Lenders in Hampshire County, Massachusetts reported 3,896 mortgage applications for 2025, according to the CFPB.
3,896 mortgage applications and 2,628 loans originated in 2025; the denial rate was 14.5% of 3,225 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Amherst Town-Northampton, MA MSA.
- 3,896
- Applications
- 2,628
- Loans originated
- 14.5%
- Denial rate
- 467 denied of 3,225 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,896 | 2,628 |
| 2024 | 3,656 | 2,349 |
| 2023 | 3,496 | 2,227 |
| 2022 | 5,111 | 3,366 |
| 2021 | 7,445 | 4,998 |
| 2020 | 7,180 | 4,659 |
| 2019 | 4,777 | 3,169 |
| 2018 | 4,536 | 2,913 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Florence Bank | 297 | 424 |
| Bankesb | 152 | 208 |
| Greenfield Savings Bank | 151 | 201 |
| UMassFive College Federal Credit Union | 139 | 199 |
| PeoplesBank | 132 | 186 |
| Rocket Mortgage | 110 | 145 |
| Country Bank for Savings | 106 | 130 |
| Greenfield Cooperative Bank | 106 | 126 |
| Citizens Bank, NA | 99 | 176 |
| Westfield Bank | 86 | 109 |
| Affordable Mortgage Advisors | 72 | 100 |
| Polish National Credit Union | 66 | 93 |
| Guild Mortgage Company | 65 | 89 |
| CMG Mortgage Inc | 46 | 62 |
| Fairway Independent Mort Corp | 40 | 53 |
| TD Bank | 35 | 55 |
| Harborone Mortgage, LLC | 32 | 42 |
| M&T Bank | 30 | 47 |
| Freedom Credit Union | 27 | 32 |
| Bank of America NA | 27 | 82 |
| New American Funding, LLC. | 26 | 53 |
| United Wholesale Mortgage | 26 | 40 |
| Mortgage Research Center | 25 | 45 |
| American Neighborhood Mortgage Acceptance Company | 22 | 30 |
| Total Mortgage Services, LLC | 22 | 23 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 164 | 24.2% of 120 decided |
| Black or African American | 70 | 30.2% of 53 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,044 | 13.3% of 2,578 decided |
| 2 or more minority races | under 10 | |
| Joint | 88 | 5.6% of 72 decided |
| Race Not Available | 508 | 18.0% of 383 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 126 | 21.4% of 103 decided |
| Not Hispanic or Latino | 3,162 | 13.6% of 2,661 decided |
| Joint | 62 | 18.0% of 50 decided |
| Ethnicity Not Available | 546 | 18.3% of 411 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,103 | 18.0% of 918 decided |
| Female | 994 | 17.0% of 813 decided |
| Joint | 1,471 | 10.3% of 1,249 decided |
| Sex Not Available | 328 | 14.3% of 245 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 689 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved