Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Berkshire Bank 2016 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 | 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 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 |
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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2016 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.