Berkshire Bank
Mortgage Loan Application
Totals and Details
for 2022
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 | 3,057 |
| Total Mortgage Loan Application Amount | $1,934,755,000 |
| Average Mortgage Loan Application Amount | $489,600 |
| Highest Mortgage Loan Application Amount | $65,145,000 |
| Average Applicant Income | $189,800 |
| Highest Applicant Income | $4,563,000 |
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 | 516 | $ 416,140,000 | $ 806,000 | $ 296,000 |
| Berkshire County Massachusetts | 232 | $ 47,580,000 | $ 205,000 | $ 142,000 |
| Hampden County Massachusetts | 202 | $ 30,540,000 | $ 151,000 | $ 103,000 |
| Suffolk County Massachusetts | 196 | $ 208,540,000 | $ 1,063,000 | $ 338,000 |
| Worcester County Massachusetts | 183 | $ 112,245,000 | $ 613,000 | $ 168,000 |
| Norfolk County Massachusetts | 173 | $ 152,555,000 | $ 881,000 | $ 353,000 |
| Windham County Connecticut | 116 | $ 12,780,000 | $ 110,000 | $ 96,000 |
| Essex County Massachusetts | 101 | $ 63,985,000 | $ 633,000 | $ 301,000 |
| Oneida County New York | 99 | $ 10,585,000 | $ 106,000 | $ 84,000 |
| Hartford County Connecticut | 87 | $ 55,025,000 | $ 632,000 | $ 237,000 |
| New London County Connecticut | 83 | $ 14,115,000 | $ 170,000 | $ 119,000 |
| Onondaga County New York | 72 | $ 30,540,000 | $ 424,000 | $ 95,000 |
| Tolland County Connecticut | 60 | $ 7,850,000 | $ 130,000 | $ 123,000 |
| Washington County Rhode Island | 60 | $ 25,660,000 | $ 427,000 | $ 265,000 |
| Fairfield County Connecticut | 53 | $ 62,035,000 | $ 1,170,000 | $ 259,000 |
| Albany County New York | 47 | $ 47,875,000 | $ 1,018,000 | $ 189,000 |
| Plymouth County Massachusetts | 40 | $ 33,110,000 | $ 827,000 | $ 338,000 |
| Barnstable County Massachusetts | 39 | $ 27,415,000 | $ 702,000 | $ 353,000 |
| Columbia County New York | 37 | $ 8,885,000 | $ 240,000 | $ 194,000 |
| Newport County Rhode Island | 37 | $ 20,675,000 | $ 558,000 | $ 256,000 |
| Hampshire County Massachusetts | 32 | $ 6,250,000 | $ 195,000 | $ 101,000 |
| Westchester County New York | 29 | $ 124,235,000 | $ 4,283,000 | $ 477,000 |
| Providence County Rhode Island | 24 | $ 10,060,000 | $ 419,000 | $ 126,000 |
| Bristol County Massachusetts | 23 | $ 13,135,000 | $ 571,000 | $ 241,000 |
| Rensselaer County New York | 23 | $ 4,025,000 | $ 175,000 | $ 110,000 |
| Bennington County Vermont | 23 | $ 6,055,000 | $ 263,000 | $ 174,000 |
| Schenectady County New York | 19 | $ 22,085,000 | $ 1,162,000 | $ 160,000 |
| Rutland County Vermont | 17 | $ 1,885,000 | $ 110,000 | $ 119,000 |
| Madison County New York | 16 | $ 2,040,000 | $ 127,000 | $ 133,000 |
| Nassau County New York | 16 | $ 18,140,000 | $ 1,133,000 | $ 381,000 |
| Washington County New York | 16 | $ 1,830,000 | $ 114,000 | $ 72,000 |
| Rockingham County New Hampshire | 15 | $ 7,465,000 | $ 497,000 | $ 315,000 |
| Saratoga County New York | 15 | $ 2,555,000 | $ 170,000 | $ 111,000 |
| Kings County New York | 14 | $ 14,840,000 | $ 1,060,000 | $ 257,000 |
| Montgomery County New York | 14 | $ 1,750,000 | $ 125,000 | $ 81,000 |
| Hillsborough County New Hampshire | 13 | $ 70,685,000 | $ 5,437,000 | $ 251,000 |
| Herkimer County New York | 13 | $ 2,565,000 | $ 197,000 | $ 69,000 |
| Windsor County Vermont | 13 | $ 13,765,000 | $ 1,058,000 | $ 227,000 |
| Suffolk County New York | 12 | $ 11,830,000 | $ 985,000 | $ 498,000 |
| Warren County New York | 12 | $ 2,950,000 | $ 245,000 | $ 80,000 |
| Middlesex County Connecticut | 11 | $ 2,565,000 | $ 233,000 | $ 222,000 |
| Palm Beach County Florida | 9 | $ 9,065,000 | $ 1,007,000 | $ 813,000 |
| New Haven County Connecticut | 8 | $ 4,570,000 | $ 571,000 | $ 272,000 |
| Bristol County Rhode Island | 8 | $ 4,700,000 | $ 587,000 | $ 210,000 |
| Fulton County New York | 7 | $ 575,000 | $ 82,000 | $ 67,000 |
| Sarasota County Florida | 6 | $ 1,690,000 | $ 281,000 | $ 263,000 |
| Monmouth County New Jersey | 6 | $ 6,100,000 | $ 1,016,000 | $ 256,000 |
| Ocean County New Jersey | 6 | $ 7,020,000 | $ 1,170,000 | $ 0 |
| Queens County New York | 6 | $ 4,430,000 | $ 738,000 | $ 273,000 |
| Montgomery County Pennsylvania | 6 | $ 5,160,000 | $ 860,000 | $ 0 |
| Windham County Vermont | 6 | $ 2,820,000 | $ 470,000 | $ 490,000 |
| Collier County Florida | 5 | $ 3,505,000 | $ 701,000 | $ 236,000 |
| Miami-Dade County Florida | 5 | $ 4,625,000 | $ 925,000 | $ 337,000 |
| York County Maine | 5 | $ 1,565,000 | $ 313,000 | $ 178,000 |
| Somerset County New Jersey | 5 | $ 4,165,000 | $ 833,000 | $ 554,000 |
| Oswego County New York | 5 | $ 585,000 | $ 117,000 | $ 60,000 |
| Otsego County New York | 5 | $ 1,295,000 | $ 259,000 | $ 164,000 |
| Bucks County Pennsylvania | 5 | $ 3,465,000 | $ 693,000 | $ 0 |
| Kent County Rhode Island | 5 | $ 2,745,000 | $ 549,000 | $ 190,000 |
| Lamoille County Vermont | 5 | $ 2,555,000 | $ 511,000 | $ 398,000 |
| Cumberland County Maine | 4 | $ 3,200,000 | $ 800,000 | $ 512,000 |
| Belknap County New Hampshire | 4 | $ 4,000,000 | $ 1,000,000 | $ 669,000 |
| Carroll County New Hampshire | 4 | $ 2,480,000 | $ 620,000 | $ 782,000 |
| Cheshire County New Hampshire | 4 | $ 600,000 | $ 150,000 | $ 134,000 |
| Grafton County New Hampshire | 4 | $ 2,290,000 | $ 572,000 | $ 280,000 |
| Mercer County New Jersey | 4 | $ 3,430,000 | $ 857,000 | $ 0 |
| Erie County New York | 4 | $ 1,440,000 | $ 360,000 | $ 91,000 |
| Essex County New York | 4 | $ 1,420,000 | $ 355,000 | $ 599,000 |
| Delaware County Pennsylvania | 4 | $ 3,390,000 | $ 847,000 | $ 0 |
| Litchfield County Connecticut | 3 | $ 24,745,000 | $ 8,248,000 | $ 281,000 |
| Broward County Florida | 3 | $ 2,975,000 | $ 991,000 | $ 488,000 |
| Charlotte County Florida | 3 | $ 1,125,000 | $ 375,000 | $ 92,000 |
| Pinellas County Florida | 3 | $ 2,245,000 | $ 748,000 | $ 0 |
| Oxford County Maine | 3 | $ 1,275,000 | $ 425,000 | $ 469,000 |
| Franklin County Massachusetts | 3 | $ 615,000 | $ 205,000 | $ 103,000 |
| Merrimack County New Hampshire | 3 | $ 1,205,000 | $ 401,000 | $ 119,000 |
| Hunterdon County New Jersey | 3 | $ 2,125,000 | $ 708,000 | $ 156,000 |
| Morris County New Jersey | 3 | $ 2,415,000 | $ 805,000 | $ 0 |
| Union County New Jersey | 3 | $ 3,565,000 | $ 1,188,000 | $ 325,000 |
| New York County New York | 3 | $ 3,425,000 | $ 1,141,000 | $ 367,000 |
| Chittenden County Vermont | 3 | $ 2,945,000 | $ 981,000 | $ 246,000 |
| Duval County Florida | 2 | $ 2,000,000 | $ 1,000,000 | $ 0 |
| Martin County Florida | 2 | $ 1,610,000 | $ 805,000 | $ 651,000 |
| Hudson County New Jersey | 2 | $ 2,040,000 | $ 1,020,000 | $ 0 |
| Cayuga County New York | 2 | $ 280,000 | $ 140,000 | $ 80,000 |
| Dutchess County New York | 2 | $ 25,200,000 | $ 12,600,000 | $ 131,000 |
| Greene County New York | 2 | $ 210,000 | $ 105,000 | $ 270,000 |
| Monroe County New York | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Orange County New York | 2 | $ 850,000 | $ 425,000 | $ 227,000 |
| Richmond County New York | 2 | $ 1,320,000 | $ 660,000 | $ 150,000 |
| Rockland County New York | 2 | $ 1,360,000 | $ 680,000 | $ 315,000 |
| Ulster County New York | 2 | $ 1,390,000 | $ 695,000 | $ 332,000 |
| Chester County Pennsylvania | 2 | $ 1,860,000 | $ 930,000 | $ 300,000 |
| Lehigh County Pennsylvania | 2 | $ 1,150,000 | $ 575,000 | $ 1,997,000 |
| Philadelphia County Pennsylvania | 2 | $ 1,370,000 | $ 685,000 | $ 0 |
| Caledonia County Vermont | 2 | $ 610,000 | $ 305,000 | $ 1,513,000 |
| Orange County Vermont | 2 | $ 430,000 | $ 215,000 | $ 170,000 |
| Washington County Vermont | 2 | $ 810,000 | $ 405,000 | $ 192,000 |
| Sussex County Delaware | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Brevard County Florida | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Flagler County Florida | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Lee County Florida | 1 | $ 285,000 | $ 285,000 | $ 278,000 |
| Manatee County Florida | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Nassau County Florida | 1 | $ 305,000 | $ 305,000 | $ 726,000 |
| Orange County Florida | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Polk County Florida | 1 | $ 455,000 | $ 455,000 | $ 545,000 |
| St. Lucie County Florida | 1 | $ 225,000 | $ 225,000 | $ 218,000 |
| Sumter County Florida | 1 | $ 185,000 | $ 185,000 | $ 79,000 |
| Volusia County Florida | 1 | $ 255,000 | $ 255,000 | $ 305,000 |
| Walton County Florida | 1 | $ 1,475,000 | $ 1,475,000 | $ 0 |
| Androscoggin County Maine | 1 | $ 215,000 | $ 215,000 | $ 259,000 |
| Franklin County Maine | 1 | $ 1,995,000 | $ 1,995,000 | $ 879,000 |
| Kennebec County Maine | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Dukes County Massachusetts | 1 | $ 925,000 | $ 925,000 | $ 510,000 |
| Nantucket County Massachusetts | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Sullivan County New Hampshire | 1 | $ 175,000 | $ 175,000 | $ 512,000 |
| Bergen County New Jersey | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Camden County New Jersey | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Essex County New Jersey | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Bronx County New York | 1 | $ 925,000 | $ 925,000 | $ 300,000 |
| Cattaraugus County New York | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Chemung County New York | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Clinton County New York | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Delaware County New York | 1 | $ 265,000 | $ 265,000 | $ 200,000 |
| Franklin County New York | 1 | $ 225,000 | $ 225,000 | $ 193,000 |
| Hamilton County New York | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Putnam County New York | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Douglas County Oregon | 1 | $ 35,000 | $ 35,000 | $ 1,080,000 |
| Adams County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 290,000 |
| Lancaster County Pennsylvania | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Wayne County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Coryell County Texas | 1 | $ 75,000 | $ 75,000 | $ 126,000 |
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 2022
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 | 1,526 | $1,328,220,000 | $870,000 | $65,145,000 | $284,000 | $4,563,000 |
| Home Improvement | 579 | $92,825,000 | $160,000 | $30,435,000 | $127,000 | $2,020,000 |
| Refinancing | 446 | $350,410,000 | $785,000 | $45,905,000 | $175,000 | $3,593,000 |
| Cash-out Refinancing | 263 | $122,415,000 | $465,000 | $2,505,000 | $201,000 | $4,140,000 |
| Other Purpose | 243 | $40,885,000 | $168,000 | $1,285,000 | $162,000 | $1,997,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,573 | $481,995,000 | $306,000 | $3,505,000 | $188,000 | $3,593,000 |
| Not applicable | 647 | $1,033,645,000 | $1,597,000 | $65,145,000 | $0 | $0 |
| Not Provided | 488 | $237,850,000 | $487,000 | $3,005,000 | $276,000 | $4,563,000 |
| Asian | 176 | $128,110,000 | $727,000 | $2,025,000 | $274,000 | $1,472,000 |
| Hispanic | 84 | $23,810,000 | $283,000 | $2,545,000 | $159,000 | $983,000 |
| Black or African American | 60 | $16,230,000 | $270,000 | $995,000 | $142,000 | $472,000 |
| American Indian or Alaskan Native | 9 | $1,375,000 | $152,000 | $655,000 | $264,000 | $1,248,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $655,000 | $131,000 | $305,000 | $242,000 | $996,000 |
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) | 3,018 | $1,926,300,000 | $638,000 | $65,145,000 | $213,000 | $4,563,000 |
| FHA-insured (Federal Housing Administration) | 35 | $7,115,000 | $203,000 | $465,000 | $72,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,340,000 | $335,000 | $395,000 | $61,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,638 | $1,164,970,000 | $711,000 | $65,145,000 | $229,000 | $4,140,000 |
| Loan Purchased By The Institution | 572 | $528,310,000 | $923,000 | $3,905,000 | $0 | $0 |
| Application Denied By Financial Institution | 451 | $85,015,000 | $188,000 | $2,005,000 | $113,000 | $1,433,000 |
| Application Withdrawn By Applicant | 246 | $118,660,000 | $482,000 | $2,545,000 | $280,000 | $4,563,000 |
| File Closed For Incompleteness | 114 | $27,340,000 | $239,000 | $2,405,000 | $196,000 | $3,593,000 |
| Application Approved But Not Accepted | 36 | $10,460,000 | $290,000 | $1,595,000 | $189,000 | $893,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,606 | $1,849,740,000 | $709,000 | $65,145,000 | $233,000 | $4,563,000 |
| Debt-To-Income Ratio | 173 | $39,625,000 | $229,000 | $2,005,000 | $81,000 | $523,000 |
| Credit History | 146 | $13,430,000 | $91,000 | $725,000 | $121,000 | $1,433,000 |
| Collateral | 72 | $15,780,000 | $219,000 | $955,000 | $161,000 | $796,000 |
| Other | 41 | $12,845,000 | $313,000 | $1,845,000 | $141,000 | $648,000 |
| Employment History | 7 | $1,195,000 | $170,000 | $405,000 | $53,000 | $152,000 |
| Unverifiable Information | 5 | $935,000 | $187,000 | $405,000 | $105,000 | $220,000 |
| Credit Application Incomplete | 5 | $895,000 | $179,000 | $455,000 | $120,000 | $274,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $310,000 | $155,000 | $205,000 | $261,000 | $261,000 |
| 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.