Berkshire Bank
Mortgage Loan Application
Totals and Details
for 2016
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 | 4,071 |
| Total Mortgage Loan Application Amount | $1,415,964,000 |
| Average Mortgage Loan Application Amount | $312,333 |
| Highest Mortgage Loan Application Amount | $22,500,000 |
| Average Applicant Income | $144,666 |
| Highest Applicant Income | $3,415,000 |
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 | 1,019 | $ 432,599,000 | $ 424,000 | $ 164,000 |
| Essex County Massachusetts | 322 | $ 118,195,000 | $ 367,000 | $ 145,000 |
| Hampden County Massachusetts | 300 | $ 52,868,000 | $ 176,000 | $ 92,000 |
| Norfolk County Massachusetts | 298 | $ 137,484,000 | $ 461,000 | $ 192,000 |
| Worcester County Massachusetts | 269 | $ 79,830,000 | $ 296,000 | $ 126,000 |
| Suffolk County Massachusetts | 220 | $ 99,130,000 | $ 450,000 | $ 217,000 |
| Oneida County New York | 215 | $ 18,985,000 | $ 88,000 | $ 63,000 |
| Berkshire County Massachusetts | 191 | $ 40,786,000 | $ 213,000 | $ 137,000 |
| Onondaga County New York | 137 | $ 25,764,000 | $ 188,000 | $ 90,000 |
| Plymouth County Massachusetts | 92 | $ 34,386,000 | $ 373,000 | $ 154,000 |
| Rockingham County New Hampshire | 71 | $ 20,872,000 | $ 293,000 | $ 139,000 |
| Hartford County Connecticut | 53 | $ 21,423,000 | $ 404,000 | $ 171,000 |
| Albany County New York | 53 | $ 28,295,000 | $ 533,000 | $ 104,000 |
| Barnstable County Massachusetts | 52 | $ 19,192,000 | $ 369,000 | $ 166,000 |
| Hillsborough County New Hampshire | 48 | $ 13,343,000 | $ 277,000 | $ 120,000 |
| Hampshire County Massachusetts | 47 | $ 9,066,000 | $ 192,000 | $ 127,000 |
| Dukes County Massachusetts | 43 | $ 24,850,000 | $ 577,000 | $ 355,000 |
| Fairfield County Connecticut | 42 | $ 17,816,000 | $ 424,000 | $ 209,000 |
| Bristol County Massachusetts | 41 | $ 12,491,000 | $ 304,000 | $ 143,000 |
| New London County Connecticut | 40 | $ 22,422,000 | $ 560,000 | $ 171,000 |
| Rensselaer County New York | 36 | $ 38,711,000 | $ 1,075,000 | $ 58,000 |
| Herkimer County New York | 31 | $ 2,638,000 | $ 85,000 | $ 79,000 |
| Nantucket County Massachusetts | 24 | $ 21,369,000 | $ 890,000 | $ 353,000 |
| Cumberland County Maine | 23 | $ 7,484,000 | $ 325,000 | $ 200,000 |
| Madison County New York | 23 | $ 3,433,000 | $ 149,000 | $ 94,000 |
| Providence County Rhode Island | 21 | $ 4,788,000 | $ 228,000 | $ 118,000 |
| Columbia County New York | 20 | $ 3,637,000 | $ 181,000 | $ 85,000 |
| Oswego County New York | 18 | $ 1,423,000 | $ 79,000 | $ 83,000 |
| Saratoga County New York | 17 | $ 3,490,000 | $ 205,000 | $ 91,000 |
| New Haven County Connecticut | 16 | $ 7,869,000 | $ 491,000 | $ 163,000 |
| Bennington County Vermont | 16 | $ 5,299,000 | $ 331,000 | $ 158,000 |
| Fulton County New York | 15 | $ 1,359,000 | $ 90,000 | $ 63,000 |
| Schenectady County New York | 15 | $ 1,978,000 | $ 131,000 | $ 93,000 |
| Washington County New York | 13 | $ 1,108,000 | $ 85,000 | $ 70,000 |
| Litchfield County Connecticut | 11 | $ 5,783,000 | $ 525,000 | $ 487,000 |
| Middlesex County Connecticut | 11 | $ 3,567,000 | $ 324,000 | $ 172,000 |
| Warren County New York | 11 | $ 2,647,000 | $ 240,000 | $ 82,000 |
| Rutland County Vermont | 11 | $ 1,385,000 | $ 125,000 | $ 96,000 |
| York County Maine | 9 | $ 2,691,000 | $ 299,000 | $ 176,000 |
| Montgomery County New York | 9 | $ 904,000 | $ 100,000 | $ 88,000 |
| Windsor County Vermont | 9 | $ 1,655,000 | $ 183,000 | $ 198,000 |
| Tolland County Connecticut | 8 | $ 1,174,000 | $ 146,000 | $ 103,000 |
| Palm Beach County Florida | 8 | $ 2,530,000 | $ 316,000 | $ 361,000 |
| Newport County Rhode Island | 8 | $ 2,906,000 | $ 363,000 | $ 286,000 |
| Belknap County New Hampshire | 7 | $ 2,390,000 | $ 341,000 | $ 125,000 |
| Windham County Vermont | 7 | $ 2,565,000 | $ 366,000 | $ 602,000 |
| Bristol County Rhode Island | 5 | $ 2,746,000 | $ 549,000 | $ 666,000 |
| Kent County Rhode Island | 5 | $ 1,533,000 | $ 306,000 | $ 128,000 |
| Washington County Rhode Island | 5 | $ 1,025,000 | $ 205,000 | $ 96,000 |
| Cayuga County New York | 4 | $ 892,000 | $ 223,000 | $ 182,000 |
| Nassau County New York | 4 | $ 4,637,000 | $ 1,159,000 | $ 560,000 |
| Collier County Florida | 3 | $ 1,373,000 | $ 457,000 | $ 237,000 |
| Lee County Florida | 3 | $ 392,000 | $ 130,000 | $ 314,000 |
| Honolulu County Hawaii | 3 | $ 1,501,000 | $ 500,000 | $ 207,000 |
| Oxford County Maine | 3 | $ 234,000 | $ 78,000 | $ 46,000 |
| Franklin County Massachusetts | 3 | $ 574,000 | $ 191,000 | $ 72,000 |
| Cheshire County New Hampshire | 3 | $ 534,000 | $ 178,000 | $ 96,000 |
| Sullivan County New Hampshire | 3 | $ 657,000 | $ 219,000 | $ 169,000 |
| Greene County New York | 3 | $ 306,000 | $ 102,000 | $ 125,000 |
| Jefferson County New York | 3 | $ 2,849,000 | $ 949,000 | $ 74,000 |
| Ulster County New York | 3 | $ 635,000 | $ 211,000 | $ 131,000 |
| Windham County Connecticut | 2 | $ 399,000 | $ 199,000 | $ 69,000 |
| Broward County Florida | 2 | $ 405,000 | $ 202,000 | $ 93,000 |
| Martin County Florida | 2 | $ 617,000 | $ 308,000 | $ 101,000 |
| Sarasota County Florida | 2 | $ 657,000 | $ 328,000 | $ 360,000 |
| Sumter County Florida | 2 | $ 282,000 | $ 141,000 | $ 83,000 |
| Volusia County Florida | 2 | $ 166,000 | $ 83,000 | $ 24,000 |
| Hawaii County Hawaii | 2 | $ 708,000 | $ 354,000 | $ 116,000 |
| Androscoggin County Maine | 2 | $ 303,000 | $ 151,000 | $ 100,000 |
| Carroll County New Hampshire | 2 | $ 1,474,000 | $ 737,000 | $ 369,000 |
| Grafton County New Hampshire | 2 | $ 381,000 | $ 190,000 | $ 200,000 |
| Strafford County New Hampshire | 2 | $ 433,000 | $ 216,000 | $ 174,000 |
| Mercer County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Chenango County New York | 2 | $ 191,000 | $ 95,000 | $ 54,000 |
| Dutchess County New York | 2 | $ 626,000 | $ 313,000 | $ 165,000 |
| Essex County New York | 2 | $ 586,000 | $ 293,000 | $ 198,000 |
| Kings County New York | 2 | $ 818,000 | $ 409,000 | $ 55,000 |
| Lewis County New York | 2 | $ 190,000 | $ 95,000 | $ 63,000 |
| Otsego County New York | 2 | $ 160,000 | $ 80,000 | $ 71,000 |
| Queens County New York | 2 | $ 482,000 | $ 241,000 | $ 208,000 |
| Richmond County New York | 2 | $ 927,000 | $ 463,000 | $ 151,000 |
| Westchester County New York | 2 | $ 1,020,000 | $ 510,000 | $ 184,000 |
| Duval County Florida | 1 | $ 265,000 | $ 265,000 | $ 204,000 |
| Manatee County Florida | 1 | $ 125,000 | $ 125,000 | $ 183,000 |
| Miami-Dade County Florida | 1 | $ 305,000 | $ 305,000 | $ 189,000 |
| Orange County Florida | 1 | $ 318,000 | $ 318,000 | $ 161,000 |
| Pinellas County Florida | 1 | $ 200,000 | $ 200,000 | $ 181,000 |
| Maui County Hawaii | 1 | $ 410,000 | $ 410,000 | $ 99,000 |
| Kennebec County Maine | 1 | $ 513,000 | $ 513,000 | $ 339,000 |
| Lincoln County Maine | 1 | $ 119,000 | $ 119,000 | $ 298,000 |
| Harrison County Mississippi | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Coos County New Hampshire | 1 | $ 163,000 | $ 163,000 | $ 208,000 |
| Middlesex County New Jersey | 1 | $ 350,000 | $ 350,000 | $ 215,000 |
| Morris County New Jersey | 1 | $ 546,000 | $ 546,000 | $ 256,000 |
| Ocean County New Jersey | 1 | $ 72,000 | $ 72,000 | $ 223,000 |
| Broome County New York | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Cortland County New York | 1 | $ 144,000 | $ 144,000 | $ 83,000 |
| Erie County New York | 1 | $ 12,500,000 | $ 12,500,000 | $ 0 |
| Livingston County New York | 1 | $ 30,000 | $ 30,000 | $ 162,000 |
| New York County New York | 1 | $ 1,000,000 | $ 1,000,000 | $ 198,000 |
| Ontario County New York | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Orange County New York | 1 | $ 524,000 | $ 524,000 | $ 225,000 |
| Rockland County New York | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,457,000 |
| Schoharie County New York | 1 | $ 58,000 | $ 58,000 | $ 88,000 |
| Caledonia County Vermont | 1 | $ 190,000 | $ 190,000 | $ 379,000 |
| Chittenden County Vermont | 1 | $ 417,000 | $ 417,000 | $ 347,000 |
| Orleans County Vermont | 1 | $ 362,000 | $ 362,000 | $ 100,000 |
| Washington County Vermont | 1 | $ 153,000 | $ 153,000 | $ 247,000 |
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 2016
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 | 1,817 | $702,509,000 | $386,000 | $22,500,000 | $151,000 | $3,049,000 |
| Refinancing | 1,761 | $612,758,000 | $347,000 | $12,500,000 | $156,000 | $2,050,000 |
| Home Improvement | 493 | $100,697,000 | $204,000 | $1,500,000 | $127,000 | $3,415,000 |
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 | 3,363 | $1,049,291,000 | $312,000 | $2,500,000 | $152,000 | $3,415,000 |
| Asian | 316 | $122,997,000 | $389,000 | $2,574,000 | $164,000 | $2,050,000 |
| Not Provided | 150 | $61,898,000 | $412,000 | $2,520,000 | $183,000 | $1,800,000 |
| Hispanic | 115 | $30,132,000 | $262,000 | $1,350,000 | $99,000 | $523,000 |
| Black or African American | 63 | $14,501,000 | $230,000 | $722,000 | $107,000 | $425,000 |
| Not applicable | 47 | $133,238,000 | $2,834,000 | $22,500,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $2,611,000 | $217,000 | $510,000 | $84,000 | $162,000 |
| Native Hawaiin or Other Pacific Islander | 5 | $1,296,000 | $259,000 | $520,000 | $108,000 | $156,000 |
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) | 3,914 | $1,380,959,000 | $352,000 | $22,500,000 | $153,000 | $3,415,000 |
| FHA-insured (Federal Housing Administration) | 122 | $26,939,000 | $220,000 | $687,000 | $70,000 | $295,000 |
| VA-guaranteed (Veterans Administration) | 32 | $7,529,000 | $235,000 | $547,000 | $76,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $537,000 | $179,000 | $206,000 | $59,000 | $85,000 |
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 | 2,571 | $959,229,000 | $373,000 | $22,500,000 | $148,000 | $2,941,000 |
| Application Denied By Financial Institution | 528 | $127,159,000 | $240,000 | $2,520,000 | $118,000 | $1,800,000 |
| Loan Purchased By The Institution | 510 | $185,508,000 | $363,000 | $1,831,000 | $189,000 | $3,415,000 |
| Application Withdrawn By Applicant | 314 | $105,476,000 | $335,000 | $2,574,000 | $151,000 | $2,050,000 |
| File Closed For Incompleteness | 114 | $29,484,000 | $258,000 | $1,500,000 | $172,000 | $3,049,000 |
| Application Approved But Not Accepted | 34 | $9,108,000 | $267,000 | $1,080,000 | $181,000 | $2,117,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 158 | $33,790,000 | $213,000 | $2,500,000 | $117,000 | $1,560,000 |
| Debt-To-Income Ratio | 116 | $25,264,000 | $217,000 | $1,900,000 | $60,000 | $332,000 |
| Collateral | 116 | $31,726,000 | $273,000 | $1,480,000 | $147,000 | $1,650,000 |
| Credit Application Incomplete | 92 | $24,288,000 | $264,000 | $2,520,000 | $163,000 | $1,800,000 |
| Other | 29 | $6,171,000 | $212,000 | $1,232,000 | $115,000 | $307,000 |
| Employment History | 9 | $3,600,000 | $400,000 | $1,218,000 | $57,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,519,000 | $303,000 | $484,000 | $110,000 | $167,000 |
| Unverifiable Information | 3 | $801,000 | $267,000 | $505,000 | $75,000 | $103,000 |
| 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.