Berkshire Bank
Mortgage Loan Application
Totals and Details
for 2014
Find mortgage loan statistics, lending data, and loan application totals for Massachusetts.
The mortgage statistics and data below are specific to mortgage loan applications for Berkshire Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
| Mortgage Company & Address | Berkshire Bank Po 1308 Pittsfield, MA 01202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,197 |
| Total Mortgage Loan Application Amount | $963,335,000 |
| Average Mortgage Loan Application Amount | $260,333 |
| Highest Mortgage Loan Application Amount | $18,865,000 |
| Average Applicant Income | $128,000 |
| Highest Applicant Income | $3,500,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in MA, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex County Massachusetts | 578 | $ 207,825,000 | $ 359,000 | $ 151,000 |
| Essex County Massachusetts | 244 | $ 81,886,000 | $ 335,000 | $ 133,000 |
| Berkshire County Massachusetts | 228 | $ 45,037,000 | $ 197,000 | $ 107,000 |
| Norfolk County Massachusetts | 207 | $ 88,425,000 | $ 427,000 | $ 156,000 |
| Oneida County New York | 205 | $ 15,931,000 | $ 77,000 | $ 57,000 |
| Worcester County Massachusetts | 188 | $ 50,362,000 | $ 267,000 | $ 122,000 |
| Onondaga County New York | 187 | $ 24,525,000 | $ 131,000 | $ 99,000 |
| Suffolk County Massachusetts | 169 | $ 73,605,000 | $ 435,000 | $ 175,000 |
| Hampden County Massachusetts | 149 | $ 23,311,000 | $ 156,000 | $ 105,000 |
| Hampshire County Massachusetts | 68 | $ 13,508,000 | $ 198,000 | $ 87,000 |
| Plymouth County Massachusetts | 65 | $ 20,600,000 | $ 316,000 | $ 155,000 |
| Bristol County Massachusetts | 57 | $ 19,358,000 | $ 339,000 | $ 141,000 |
| Barnstable County Massachusetts | 48 | $ 14,342,000 | $ 298,000 | $ 190,000 |
| Hartford County Connecticut | 47 | $ 18,940,000 | $ 402,000 | $ 159,000 |
| Nantucket County Massachusetts | 45 | $ 51,305,000 | $ 1,140,000 | $ 499,000 |
| Rutland County Vermont | 42 | $ 5,058,000 | $ 120,000 | $ 88,000 |
| Rockingham County New Hampshire | 41 | $ 11,182,000 | $ 272,000 | $ 154,000 |
| Albany County New York | 39 | $ 10,502,000 | $ 269,000 | $ 114,000 |
| Columbia County New York | 36 | $ 7,901,000 | $ 219,000 | $ 205,000 |
| Bennington County Vermont | 29 | $ 4,315,000 | $ 148,000 | $ 69,000 |
| Washington County New York | 26 | $ 2,105,000 | $ 80,000 | $ 61,000 |
| Madison County New York | 25 | $ 2,623,000 | $ 104,000 | $ 75,000 |
| New London County Connecticut | 24 | $ 4,847,000 | $ 201,000 | $ 102,000 |
| Schenectady County New York | 24 | $ 21,573,000 | $ 898,000 | $ 96,000 |
| Saratoga County New York | 23 | $ 5,488,000 | $ 238,000 | $ 142,000 |
| Middlesex County Connecticut | 20 | $ 5,187,000 | $ 259,000 | $ 111,000 |
| Hillsborough County New Hampshire | 19 | $ 4,026,000 | $ 211,000 | $ 101,000 |
| Herkimer County New York | 19 | $ 1,865,000 | $ 98,000 | $ 62,000 |
| Rensselaer County New York | 18 | $ 2,151,000 | $ 119,000 | $ 86,000 |
| Oswego County New York | 17 | $ 1,441,000 | $ 84,000 | $ 105,000 |
| Windsor County Vermont | 14 | $ 2,445,000 | $ 174,000 | $ 120,000 |
| Montgomery County New York | 13 | $ 774,000 | $ 59,000 | $ 42,000 |
| Cumberland County Maine | 12 | $ 2,991,000 | $ 249,000 | $ 133,000 |
| Warren County New York | 12 | $ 1,626,000 | $ 135,000 | $ 76,000 |
| Fairfield County Connecticut | 10 | $ 10,253,000 | $ 1,025,000 | $ 404,000 |
| Tolland County Connecticut | 10 | $ 1,704,000 | $ 170,000 | $ 136,000 |
| York County Maine | 10 | $ 2,578,000 | $ 257,000 | $ 159,000 |
| Belknap County New Hampshire | 10 | $ 3,345,000 | $ 334,000 | $ 145,000 |
| Cayuga County New York | 9 | $ 1,669,000 | $ 185,000 | $ 181,000 |
| Greene County New York | 9 | $ 1,152,000 | $ 128,000 | $ 59,000 |
| New Haven County Connecticut | 8 | $ 2,095,000 | $ 261,000 | $ 175,000 |
| Palm Beach County Florida | 8 | $ 7,212,000 | $ 901,000 | $ 1,149,000 |
| Providence County Rhode Island | 8 | $ 3,021,000 | $ 377,000 | $ 142,000 |
| Strafford County New Hampshire | 6 | $ 1,269,000 | $ 211,000 | $ 118,000 |
| Monroe County New York | 6 | $ 856,000 | $ 142,000 | $ 113,000 |
| Washington County Rhode Island | 6 | $ 1,021,000 | $ 170,000 | $ 137,000 |
| Franklin County Massachusetts | 5 | $ 830,000 | $ 166,000 | $ 76,000 |
| Newport County Rhode Island | 5 | $ 2,622,000 | $ 524,000 | $ 228,000 |
| Warren County Tennessee | 5 | $ 329,000 | $ 65,000 | $ 77,000 |
| Windham County Vermont | 5 | $ 1,739,000 | $ 347,000 | $ 571,000 |
| Miami-Dade County Florida | 4 | $ 942,000 | $ 235,000 | $ 148,000 |
| Carroll County New Hampshire | 4 | $ 2,029,000 | $ 507,000 | $ 256,000 |
| Grafton County New Hampshire | 4 | $ 728,000 | $ 182,000 | $ 154,000 |
| Erie County New York | 4 | $ 13,724,000 | $ 3,431,000 | $ 108,000 |
| Fulton County New York | 4 | $ 646,000 | $ 161,000 | $ 125,000 |
| Litchfield County Connecticut | 3 | $ 417,000 | $ 139,000 | $ 258,000 |
| Windham County Connecticut | 3 | $ 391,000 | $ 130,000 | $ 76,000 |
| Harrison County Mississippi | 3 | $ 454,000 | $ 151,000 | $ 133,000 |
| Jefferson County New York | 3 | $ 426,000 | $ 142,000 | $ 50,000 |
| New York County New York | 3 | $ 3,685,000 | $ 1,228,000 | $ 315,000 |
| Broward County Florida | 2 | $ 800,000 | $ 400,000 | $ 159,000 |
| Orange County Florida | 2 | $ 305,000 | $ 152,000 | $ 242,000 |
| Cheshire County New Hampshire | 2 | $ 184,000 | $ 92,000 | $ 98,000 |
| Merrimack County New Hampshire | 2 | $ 435,000 | $ 217,000 | $ 60,000 |
| Sullivan County New Hampshire | 2 | $ 456,000 | $ 228,000 | $ 189,000 |
| Cortland County New York | 2 | $ 184,000 | $ 92,000 | $ 22,000 |
| Lewis County New York | 2 | $ 86,000 | $ 43,000 | $ 93,000 |
| Nassau County New York | 2 | $ 1,490,000 | $ 745,000 | $ 590,000 |
| St. Lawrence County New York | 2 | $ 2,241,000 | $ 1,120,000 | $ 115,000 |
| Suffolk County New York | 2 | $ 1,299,000 | $ 649,000 | $ 117,000 |
| Ulster County New York | 2 | $ 1,151,000 | $ 575,000 | $ 24,000 |
| Westchester County New York | 2 | $ 49,000 | $ 24,000 | $ 91,000 |
| Rutherford County Tennessee | 2 | $ 225,000 | $ 112,000 | $ 83,000 |
| New Castle County Delaware | 1 | $ 18,865,000 | $ 18,865,000 | $ 0 |
| Charlotte County Florida | 1 | $ 273,000 | $ 273,000 | $ 208,000 |
| Collier County Florida | 1 | $ 425,000 | $ 425,000 | $ 650,000 |
| Lee County Florida | 1 | $ 70,000 | $ 70,000 | $ 87,000 |
| Manatee County Florida | 1 | $ 620,000 | $ 620,000 | $ 295,000 |
| Sarasota County Florida | 1 | $ 960,000 | $ 960,000 | $ 645,000 |
| Volusia County Florida | 1 | $ 59,000 | $ 59,000 | $ 18,000 |
| Franklin County Maine | 1 | $ 30,000 | $ 30,000 | $ 44,000 |
| Kennebec County Maine | 1 | $ 60,000 | $ 60,000 | $ 78,000 |
| Washington County Maine | 1 | $ 120,000 | $ 120,000 | $ 131,000 |
| Middlesex County New Jersey | 1 | $ 82,000 | $ 82,000 | $ 95,000 |
| Broome County New York | 1 | $ 4,000,000 | $ 4,000,000 | $ 0 |
| Cattaraugus County New York | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Chenango County New York | 1 | $ 68,000 | $ 68,000 | $ 94,000 |
| Delaware County New York | 1 | $ 62,000 | $ 62,000 | $ 68,000 |
| Dutchess County New York | 1 | $ 297,000 | $ 297,000 | $ 114,000 |
| Hamilton County New York | 1 | $ 150,000 | $ 150,000 | $ 40,000 |
| Kings County New York | 1 | $ 250,000 | $ 250,000 | $ 461,000 |
| Niagara County New York | 1 | $ 5,000,000 | $ 5,000,000 | $ 0 |
| Otsego County New York | 1 | $ 80,000 | $ 80,000 | $ 127,000 |
| Schoharie County New York | 1 | $ 110,000 | $ 110,000 | $ 29,000 |
| Tompkins County New York | 1 | $ 162,000 | $ 162,000 | $ 73,000 |
| Lancaster County Pennsylvania | 1 | $ 264,000 | $ 264,000 | $ 450,000 |
| Kent County Rhode Island | 1 | $ 184,000 | $ 184,000 | $ 83,000 |
| Davidson County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 108,000 |
| Grundy County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 33,000 |
| Lawrence County Tennessee | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| Van Buren County Tennessee | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| White County Tennessee | 1 | $ 73,000 | $ 73,000 | $ 90,000 |
| Caledonia County Vermont | 1 | $ 204,000 | $ 204,000 | $ 360,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Massachusetts,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Berkshire Bank in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,628 | $562,282,000 | $345,000 | $18,865,000 | $150,000 | $3,500,000 |
| Refinancing | 1,247 | $350,859,000 | $281,000 | $10,000,000 | $122,000 | $3,384,000 |
| Home Improvement | 322 | $50,194,000 | $155,000 | $1,700,000 | $112,000 | $1,016,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,472 | $627,521,000 | $253,000 | $2,500,000 | $130,000 | $3,384,000 |
| Not Provided | 279 | $129,158,000 | $462,000 | $3,255,000 | $226,000 | $3,500,000 |
| Asian | 163 | $48,692,000 | $298,000 | $999,000 | $131,000 | $660,000 |
| Not applicable | 120 | $124,815,000 | $1,040,000 | $18,865,000 | $112,000 | $960,000 |
| Hispanic | 104 | $23,403,000 | $225,000 | $1,040,000 | $84,000 | $285,000 |
| Black or African American | 44 | $8,441,000 | $191,000 | $600,000 | $66,000 | $206,000 |
| American Indian or Alaskan Native | 12 | $933,000 | $77,000 | $214,000 | $97,000 | $302,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $372,000 | $124,000 | $209,000 | $66,000 | $107,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,980 | $916,933,000 | $307,000 | $18,865,000 | $140,000 | $3,500,000 |
| FHA-insured (Federal Housing Administration) | 169 | $34,875,000 | $206,000 | $511,000 | $72,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 28 | $8,151,000 | $291,000 | $547,000 | $90,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,376,000 | $168,000 | $369,000 | $58,000 | $208,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,132 | $618,370,000 | $290,000 | $10,250,000 | $137,000 | $3,384,000 |
| Application Denied By Financial Institution | 511 | $118,725,000 | $232,000 | $2,475,000 | $99,000 | $1,453,000 |
| Application Withdrawn By Applicant | 242 | $81,396,000 | $336,000 | $2,900,000 | $201,000 | $3,500,000 |
| Loan Purchased By The Institution | 116 | $95,410,000 | $822,000 | $18,865,000 | $194,000 | $960,000 |
| File Closed For Incompleteness | 113 | $22,949,000 | $203,000 | $1,999,000 | $111,000 | $780,000 |
| Preapproval Denied by Financial Institution | 49 | $9,706,000 | $198,000 | $479,000 | $54,000 | $144,000 |
| Application Approved But Not Accepted | 34 | $16,779,000 | $493,000 | $9,250,000 | $98,000 | $319,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 202 | $41,808,000 | $206,000 | $1,720,000 | $90,000 | $1,453,000 |
| Debt-To-Income Ratio | 148 | $38,755,000 | $261,000 | $2,475,000 | $73,000 | $944,000 |
| Collateral | 104 | $21,207,000 | $203,000 | $1,000,000 | $118,000 | $578,000 |
| Other | 40 | $7,365,000 | $184,000 | $999,000 | $90,000 | $501,000 |
| Credit Application Incomplete | 38 | $12,087,000 | $318,000 | $1,500,000 | $150,000 | $420,000 |
| Unverifiable Information | 13 | $3,338,000 | $256,000 | $688,000 | $89,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,600,000 | $433,000 | $1,280,000 | $128,000 | $337,000 |
| Employment History | 4 | $540,000 | $135,000 | $380,000 | $44,000 | $85,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in MA, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Massachusetts, and search similar information at your convenience.