MountainOne Bank
MountainOne Bank received 85 applications in 2025 and made 51 mortgages, in 13 counties across 4 states. The median rate its borrowers got was 6.625% on a median loan of $235,000. Of 67 decisions, 13 were denials — 19.4%, most often for debt-to-income ratio. 21 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002578XYSRFY2C51 |
|---|---|
| Applications received | 85 |
| Mortgages made | 51 |
| Denied | 13 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.227 points |
| FDIC-insured bank | Yes: MountainOne Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 32 | 6.433% | $260,000 | 12.5% |
| Refinancing | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 35.7% |
Where MountainOne Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Berkshire County, MA | 31 | 6.490% | 15.8% |
| Plymouth County, MA | 10 | 7.375% | 16.7% |
| Essex County, MA | 2 | Under 10 loans | 0.0% |
| Norfolk County, MA | 2 | Under 10 loans | 60.0% |
| Suffolk County, MA | 2 | Under 10 loans | 25.0% |
| Cumberland County, ME | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Nantucket County, MA | 1 | Under 10 loans | 0.0% |
| Providence County, RI | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 0 | Under 10 loans | 100.0% |
| Bristol County, MA | 0 | Under 10 loans | Not published |
| Middlesex County, MA | 0 | Under 10 loans | Not published |
| Bennington County, VT | 0 | Under 10 loans | 0.0% |
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When MountainOne Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.