Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Berkshire Bank 2013 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Berkshire Bank Po 1308 Pittsfield, MA 01202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 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 | 5,670 |
| Total Mortgage Loan Application Amount | $1,481,270,000 |
| Average Mortgage Loan Application Amount | $227,333 |
| Highest Mortgage Loan Application Amount | $13,200,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $3,650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Berkshire Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Berkshire Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Berkshire Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Berkshire Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Berkshire Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Berkshire Bank's mortgage activity for 2013.
| 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 | 1,353 | $ 449,519,000 | $ 332,000 | $ 131,000 |
| Berkshire County Massachusetts | 470 | $ 96,447,000 | $ 205,000 | $ 129,000 |
| Norfolk County Massachusetts | 464 | $ 149,483,000 | $ 322,000 | $ 132,000 |
| Essex County Massachusetts | 434 | $ 124,327,000 | $ 286,000 | $ 114,000 |
| Hampden County Massachusetts | 332 | $ 59,724,000 | $ 179,000 | $ 92,000 |
| Suffolk County Massachusetts | 331 | $ 100,646,000 | $ 304,000 | $ 112,000 |
| Worcester County Massachusetts | 313 | $ 79,482,000 | $ 253,000 | $ 108,000 |
| Onondaga County New York | 289 | $ 36,964,000 | $ 127,000 | $ 96,000 |
| Oneida County New York | 220 | $ 23,217,000 | $ 105,000 | $ 78,000 |
| Plymouth County Massachusetts | 155 | $ 42,455,000 | $ 273,000 | $ 113,000 |
| Albany County New York | 126 | $ 26,338,000 | $ 209,000 | $ 124,000 |
| Hampshire County Massachusetts | 101 | $ 20,298,000 | $ 200,000 | $ 98,000 |
| Barnstable County Massachusetts | 82 | $ 25,759,000 | $ 314,000 | $ 153,000 |
| Bristol County Massachusetts | 76 | $ 19,814,000 | $ 260,000 | $ 113,000 |
| Hartford County Connecticut | 67 | $ 22,476,000 | $ 335,000 | $ 91,000 |
| Bennington County Vermont | 66 | $ 12,940,000 | $ 196,000 | $ 116,000 |
| Saratoga County New York | 65 | $ 16,414,000 | $ 252,000 | $ 118,000 |
| Rutland County Vermont | 61 | $ 7,624,000 | $ 124,000 | $ 112,000 |
| Rensselaer County New York | 53 | $ 9,936,000 | $ 187,000 | $ 105,000 |
| Rockingham County New Hampshire | 49 | $ 13,580,000 | $ 277,000 | $ 140,000 |
| Hillsborough County New Hampshire | 42 | $ 10,655,000 | $ 253,000 | $ 112,000 |
| Schenectady County New York | 37 | $ 6,429,000 | $ 173,000 | $ 105,000 |
| Columbia County New York | 33 | $ 12,549,000 | $ 380,000 | $ 191,000 |
| Madison County New York | 29 | $ 3,218,000 | $ 110,000 | $ 78,000 |
| Washington County New York | 23 | $ 1,921,000 | $ 83,000 | $ 52,000 |
| Warren County Tennessee | 22 | $ 1,225,000 | $ 55,000 | $ 57,000 |
| Windsor County Vermont | 22 | $ 3,702,000 | $ 168,000 | $ 167,000 |
| Oswego County New York | 21 | $ 1,683,000 | $ 80,000 | $ 72,000 |
| New Haven County Connecticut | 18 | $ 6,061,000 | $ 336,000 | $ 127,000 |
| Fairfield County Connecticut | 17 | $ 10,901,000 | $ 641,000 | $ 173,000 |
| Herkimer County New York | 15 | $ 1,957,000 | $ 130,000 | $ 99,000 |
| Providence County Rhode Island | 14 | $ 3,400,000 | $ 242,000 | $ 78,000 |
| York County Maine | 13 | $ 3,271,000 | $ 251,000 | $ 171,000 |
| Washington County Rhode Island | 13 | $ 6,359,000 | $ 489,000 | $ 66,000 |
| Middlesex County Connecticut | 12 | $ 2,504,000 | $ 208,000 | $ 127,000 |
| Windham County Vermont | 10 | $ 2,093,000 | $ 209,000 | $ 148,000 |
| Tolland County Connecticut | 9 | $ 2,098,000 | $ 233,000 | $ 128,000 |
| Monroe County New York | 9 | $ 1,189,000 | $ 132,000 | $ 65,000 |
| Grafton County New Hampshire | 8 | $ 1,845,000 | $ 230,000 | $ 202,000 |
| New York County New York | 8 | $ 7,392,000 | $ 924,000 | $ 718,000 |
| Williamson County Tennessee | 8 | $ 2,742,000 | $ 342,000 | $ 342,000 |
| Cumberland County Maine | 7 | $ 1,600,000 | $ 228,000 | $ 113,000 |
| Harrison County Mississippi | 7 | $ 636,000 | $ 90,000 | $ 262,000 |
| Strafford County New Hampshire | 7 | $ 1,612,000 | $ 230,000 | $ 107,000 |
| Cayuga County New York | 7 | $ 759,000 | $ 108,000 | $ 113,000 |
| Kent County Rhode Island | 7 | $ 2,112,000 | $ 301,000 | $ 87,000 |
| Davidson County Tennessee | 7 | $ 947,000 | $ 135,000 | $ 84,000 |
| Broward County Florida | 6 | $ 1,709,000 | $ 284,000 | $ 123,000 |
| Litchfield County Connecticut | 5 | $ 1,497,000 | $ 299,000 | $ 62,000 |
| Franklin County Massachusetts | 5 | $ 1,070,000 | $ 214,000 | $ 115,000 |
| Nantucket County Massachusetts | 5 | $ 2,256,000 | $ 451,000 | $ 231,000 |
| Belknap County New Hampshire | 5 | $ 1,093,000 | $ 218,000 | $ 113,000 |
| Kings County New York | 5 | $ 5,905,000 | $ 1,181,000 | $ 875,000 |
| Rutherford County Tennessee | 5 | $ 216,000 | $ 43,000 | $ 73,000 |
| Dukes County Massachusetts | 4 | $ 1,736,000 | $ 434,000 | $ 115,000 |
| Jefferson County New York | 4 | $ 500,000 | $ 125,000 | $ 314,000 |
| Warren County New York | 4 | $ 1,070,000 | $ 267,000 | $ 137,000 |
| Newport County Rhode Island | 4 | $ 1,473,000 | $ 368,000 | $ 88,000 |
| New London County Connecticut | 3 | $ 1,052,000 | $ 350,000 | $ 57,000 |
| Cheshire County New Hampshire | 3 | $ 426,000 | $ 142,000 | $ 64,000 |
| Coos County New Hampshire | 3 | $ 658,000 | $ 219,000 | $ 288,000 |
| Merrimack County New Hampshire | 3 | $ 611,000 | $ 203,000 | $ 41,000 |
| Otsego County New York | 3 | $ 271,000 | $ 90,000 | $ 97,000 |
| Wayne County New York | 3 | $ 589,000 | $ 196,000 | $ 71,000 |
| DeKalb County Tennessee | 3 | $ 444,000 | $ 148,000 | $ 97,000 |
| Manatee County Florida | 2 | $ 322,000 | $ 161,000 | $ 88,000 |
| Miami-Dade County Florida | 2 | $ 508,000 | $ 254,000 | $ 85,000 |
| Carroll County New Hampshire | 2 | $ 398,000 | $ 199,000 | $ 99,000 |
| Chenango County New York | 2 | $ 294,000 | $ 147,000 | $ 60,000 |
| Cortland County New York | 2 | $ 265,000 | $ 132,000 | $ 71,000 |
| Delaware County New York | 2 | $ 101,000 | $ 50,000 | $ 75,000 |
| Essex County New York | 2 | $ 264,000 | $ 132,000 | $ 133,000 |
| Greene County New York | 2 | $ 638,000 | $ 319,000 | $ 135,000 |
| Montgomery County New York | 2 | $ 342,000 | $ 171,000 | $ 121,000 |
| St. Lawrence County New York | 2 | $ 331,000 | $ 165,000 | $ 183,000 |
| Suffolk County New York | 2 | $ 4,023,000 | $ 2,011,000 | $ 387,000 |
| Westchester County New York | 2 | $ 820,000 | $ 410,000 | $ 190,000 |
| Bristol County Rhode Island | 2 | $ 1,761,000 | $ 880,000 | $ 0 |
| Coffee County Tennessee | 2 | $ 213,000 | $ 106,000 | $ 48,000 |
| Van Buren County Tennessee | 2 | $ 134,000 | $ 67,000 | $ 70,000 |
| Orleans County Vermont | 2 | $ 463,000 | $ 231,000 | $ 272,000 |
| Brevard County Florida | 1 | $ 217,000 | $ 217,000 | $ 46,000 |
| Collier County Florida | 1 | $ 136,000 | $ 136,000 | $ 58,000 |
| Hillsborough County Florida | 1 | $ 68,000 | $ 68,000 | $ 53,000 |
| Lee County Florida | 1 | $ 235,000 | $ 235,000 | $ 53,000 |
| Sarasota County Florida | 1 | $ 200,000 | $ 200,000 | $ 195,000 |
| St. Johns County Florida | 1 | $ 325,000 | $ 325,000 | $ 126,000 |
| Lincoln County Maine | 1 | $ 450,000 | $ 450,000 | $ 217,000 |
| Oxford County Maine | 1 | $ 90,000 | $ 90,000 | $ 147,000 |
| Bergen County New Jersey | 1 | $ 2,303,000 | $ 2,303,000 | $ 0 |
| Essex County New Jersey | 1 | $ 949,000 | $ 949,000 | $ 0 |
| Broome County New York | 1 | $ 166,000 | $ 166,000 | $ 84,000 |
| Clinton County New York | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Dutchess County New York | 1 | $ 217,000 | $ 217,000 | $ 102,000 |
| Fulton County New York | 1 | $ 170,000 | $ 170,000 | $ 190,000 |
| Genesee County New York | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| Hamilton County New York | 1 | $ 92,000 | $ 92,000 | $ 94,000 |
| Lewis County New York | 1 | $ 217,000 | $ 217,000 | $ 194,000 |
| Livingston County New York | 1 | $ 129,000 | $ 129,000 | $ 171,000 |
| Nassau County New York | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Ontario County New York | 1 | $ 139,000 | $ 139,000 | $ 72,000 |
| Orange County New York | 1 | $ 50,000 | $ 50,000 | $ 99,000 |
| Queens County New York | 1 | $ 674,000 | $ 674,000 | $ 0 |
| Steuben County New York | 1 | $ 405,000 | $ 405,000 | $ 149,000 |
| Tompkins County New York | 1 | $ 60,000 | $ 60,000 | $ 159,000 |
| Chester County Pennsylvania | 1 | $ 634,000 | $ 634,000 | $ 0 |
| Bledsoe County Tennessee | 1 | $ 183,000 | $ 183,000 | $ 160,000 |
| Grundy County Tennessee | 1 | $ 37,000 | $ 37,000 | $ 46,000 |
| Overton County Tennessee | 1 | $ 212,000 | $ 212,000 | $ 109,000 |
| Sumner County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 58,000 |
| Washington County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 77,000 |
| Addison County Vermont | 1 | $ 158,000 | $ 158,000 | $ 84,000 |
| Caledonia County Vermont | 1 | $ 180,000 | $ 180,000 | $ 151,000 |
| Franklin County Vermont | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Berkshire Bank in 2013
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,340 | $843,487,000 | $252,000 | $3,710,000 | $125,000 | $3,650,000 |
| Home Purchase | 2,007 | $593,902,000 | $295,000 | $13,200,000 | $112,000 | $1,265,000 |
| Home Improvement | 323 | $43,881,000 | $135,000 | $960,000 | $99,000 | $775,000 |
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 | 4,580 | $1,138,263,000 | $248,000 | $3,710,000 | $128,000 | $3,650,000 |
| Not applicable | 342 | $152,989,000 | $447,000 | $13,200,000 | $0 | $0 |
| Not Provided | 320 | $76,362,000 | $238,000 | $1,650,000 | $120,000 | $1,236,000 |
| Asian | 253 | $72,004,000 | $284,000 | $978,000 | $132,000 | $524,000 |
| Hispanic | 106 | $27,594,000 | $260,000 | $813,000 | $100,000 | $532,000 |
| Black or African American | 56 | $10,692,000 | $190,000 | $425,000 | $89,000 | $232,000 |
| American Indian or Alaskan Native | 8 | $1,642,000 | $205,000 | $417,000 | $141,000 | $330,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,724,000 | $344,000 | $501,000 | $149,000 | $357,000 |
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) | 5,379 | $1,406,897,000 | $261,000 | $13,200,000 | $122,000 | $3,650,000 |
| FHA-insured (Federal Housing Administration) | 244 | $62,679,000 | $256,000 | $649,000 | $76,000 | $268,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $4,586,000 | $191,000 | $322,000 | $59,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 23 | $7,108,000 | $309,000 | $506,000 | $104,000 | $192,000 |
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 | 4,094 | $1,067,269,000 | $260,000 | $13,200,000 | $131,000 | $3,180,000 |
| Application Denied By Financial Institution | 574 | $119,114,000 | $207,000 | $3,000,000 | $91,000 | $1,850,000 |
| Application Withdrawn By Applicant | 403 | $93,898,000 | $232,000 | $1,212,000 | $136,000 | $3,650,000 |
| Loan Purchased By The Institution | 311 | $128,678,000 | $413,000 | $2,920,000 | $0 | $0 |
| File Closed For Incompleteness | 144 | $37,307,000 | $259,000 | $1,500,000 | $116,000 | $750,000 |
| Application Approved But Not Accepted | 144 | $35,004,000 | $243,000 | $3,710,000 | $126,000 | $713,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 191 | $38,466,000 | $201,000 | $1,400,000 | $58,000 | $264,000 |
| Collateral | 173 | $42,200,000 | $243,000 | $3,000,000 | $139,000 | $1,850,000 |
| Credit History | 138 | $20,532,000 | $148,000 | $650,000 | $78,000 | $793,000 |
| Other | 27 | $5,895,000 | $218,000 | $960,000 | $72,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $4,745,000 | $263,000 | $950,000 | $84,000 | $332,000 |
| Unverifiable Information | 12 | $3,486,000 | $290,000 | $800,000 | $107,000 | $266,000 |
| Employment History | 6 | $1,701,000 | $283,000 | $520,000 | $79,000 | $114,000 |
| Credit Application Incomplete | 3 | $555,000 | $185,000 | $294,000 | $156,000 | $181,000 |
| Mortgage Insurance Denied | 3 | $853,000 | $284,000 | $416,000 | $97,000 | $120,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Berkshire Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.