Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Berkshire Bank 2014 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 | 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 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 |
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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2014 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.
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with aggregated HMDA statistics today.