Lender in Massachusetts · HMDA 2025
Westfield Bank mortgages in Massachusetts
Westfield Bank's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Westfield Bank originated 328 owner-occupied single-family loans in Massachusetts from 343 completed applications.
Its median conventional purchase loan costs were $4,520 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.375% (Massachusetts: 6.575%).
Loans in MA
328
of 343 applications
Denial rate
0.7%
Purchase · MA 6.3%
Rate spread
−0.08 pts
Conv. · MA +0.02 pts
Loan amount
$315,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 277 | 0.7% | 6.375% | −0.08 pts | $4,520 | $315,000 |
| Refinance | 59 | 51 | 8.5% | 6.125% | +0.16 pts | $3,940 | $195,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Westfield Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hampden County | 4 | 282 | 5.7% |
| Hampshire County | 14 | 30 | 2.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology