Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Berkshire Bank 2017 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 | 3,051 |
| Total Mortgage Loan Application Amount | $1,123,599,000 |
| Average Mortgage Loan Application Amount | $326,000 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $156,666 |
| Highest Applicant Income | $5,055,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| 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 | 615 | $ 285,951,000 | $ 464,000 | $ 187,000 |
| Worcester County Massachusetts | 263 | $ 44,933,000 | $ 170,000 | $ 120,000 |
| Hampden County Massachusetts | 231 | $ 37,368,000 | $ 161,000 | $ 98,000 |
| Suffolk County Massachusetts | 221 | $ 125,490,000 | $ 567,000 | $ 278,000 |
| Essex County Massachusetts | 178 | $ 80,386,000 | $ 451,000 | $ 169,000 |
| Oneida County New York | 175 | $ 15,864,000 | $ 90,000 | $ 65,000 |
| Norfolk County Massachusetts | 167 | $ 82,609,000 | $ 494,000 | $ 195,000 |
| Berkshire County Massachusetts | 152 | $ 27,753,000 | $ 182,000 | $ 117,000 |
| Onondaga County New York | 72 | $ 17,302,000 | $ 240,000 | $ 84,000 |
| Philadelphia County Pennsylvania | 58 | $ 35,990,000 | $ 620,000 | $ 382,000 |
| Plymouth County Massachusetts | 57 | $ 26,257,000 | $ 460,000 | $ 265,000 |
| Albany County New York | 53 | $ 25,587,000 | $ 482,000 | $ 87,000 |
| Mercer County New Jersey | 46 | $ 17,965,000 | $ 390,000 | $ 161,000 |
| Fairfield County Connecticut | 45 | $ 27,195,000 | $ 604,000 | $ 290,000 |
| Hampshire County Massachusetts | 40 | $ 7,714,000 | $ 192,000 | $ 97,000 |
| Bristol County Massachusetts | 39 | $ 15,839,000 | $ 406,000 | $ 204,000 |
| Hartford County Connecticut | 36 | $ 8,415,000 | $ 233,000 | $ 173,000 |
| New London County Connecticut | 32 | $ 8,596,000 | $ 268,000 | $ 122,000 |
| Dukes County Massachusetts | 31 | $ 12,867,000 | $ 415,000 | $ 204,000 |
| Barnstable County Massachusetts | 28 | $ 12,453,000 | $ 444,000 | $ 306,000 |
| Herkimer County New York | 28 | $ 2,443,000 | $ 87,000 | $ 56,000 |
| Rensselaer County New York | 26 | $ 3,699,000 | $ 142,000 | $ 133,000 |
| Hillsborough County New Hampshire | 23 | $ 6,732,000 | $ 292,000 | $ 142,000 |
| Columbia County New York | 21 | $ 3,312,000 | $ 157,000 | $ 137,000 |
| Rockingham County New Hampshire | 19 | $ 8,598,000 | $ 452,000 | $ 188,000 |
| Washington County New York | 18 | $ 1,313,000 | $ 72,000 | $ 76,000 |
| Bennington County Vermont | 18 | $ 1,719,000 | $ 95,000 | $ 88,000 |
| Rutland County Vermont | 18 | $ 2,092,000 | $ 116,000 | $ 111,000 |
| Monmouth County New Jersey | 14 | $ 4,534,000 | $ 323,000 | $ 139,000 |
| Madison County New York | 13 | $ 1,169,000 | $ 89,000 | $ 71,000 |
| Saratoga County New York | 12 | $ 21,843,000 | $ 1,820,000 | $ 74,000 |
| Providence County Rhode Island | 12 | $ 4,415,000 | $ 367,000 | $ 202,000 |
| Oswego County New York | 11 | $ 833,000 | $ 75,000 | $ 96,000 |
| Schenectady County New York | 11 | $ 19,081,000 | $ 1,734,000 | $ 51,000 |
| Newport County Rhode Island | 10 | $ 3,795,000 | $ 379,000 | $ 191,000 |
| Franklin County Massachusetts | 9 | $ 1,653,000 | $ 183,000 | $ 86,000 |
| Montgomery County New York | 9 | $ 656,000 | $ 72,000 | $ 75,000 |
| Bucks County Pennsylvania | 9 | $ 4,447,000 | $ 494,000 | $ 250,000 |
| Chester County Pennsylvania | 9 | $ 4,320,000 | $ 480,000 | $ 185,000 |
| Montgomery County Pennsylvania | 9 | $ 4,754,000 | $ 528,000 | $ 257,000 |
| Windham County Vermont | 9 | $ 3,152,000 | $ 350,000 | $ 565,000 |
| Middlesex County New Jersey | 8 | $ 4,723,000 | $ 590,000 | $ 223,000 |
| Nassau County New York | 8 | $ 5,284,000 | $ 660,000 | $ 393,000 |
| New Haven County Connecticut | 7 | $ 12,635,000 | $ 1,805,000 | $ 125,000 |
| Tolland County Connecticut | 7 | $ 1,255,000 | $ 179,000 | $ 67,000 |
| Warren County New York | 7 | $ 1,084,000 | $ 154,000 | $ 130,000 |
| Westchester County New York | 7 | $ 3,473,000 | $ 496,000 | $ 214,000 |
| Washington County Rhode Island | 7 | $ 2,736,000 | $ 390,000 | $ 165,000 |
| Fulton County New York | 6 | $ 452,000 | $ 75,000 | $ 69,000 |
| Kings County New York | 6 | $ 4,912,000 | $ 818,000 | $ 199,000 |
| York County Maine | 5 | $ 1,498,000 | $ 299,000 | $ 201,000 |
| Lewis County New York | 5 | $ 466,000 | $ 93,000 | $ 64,000 |
| Bristol County Rhode Island | 5 | $ 4,536,000 | $ 907,000 | $ 390,000 |
| Windsor County Vermont | 5 | $ 619,000 | $ 123,000 | $ 104,000 |
| Litchfield County Connecticut | 4 | $ 945,000 | $ 236,000 | $ 193,000 |
| Middlesex County Connecticut | 4 | $ 1,522,000 | $ 380,000 | $ 147,000 |
| Carroll County New Hampshire | 4 | $ 1,274,000 | $ 318,000 | $ 376,000 |
| Burlington County New Jersey | 4 | $ 1,740,000 | $ 435,000 | $ 142,000 |
| Somerset County New Jersey | 4 | $ 4,556,000 | $ 1,139,000 | $ 136,000 |
| Cayuga County New York | 4 | $ 474,000 | $ 118,000 | $ 79,000 |
| Greene County New York | 4 | $ 835,000 | $ 208,000 | $ 117,000 |
| Otsego County New York | 4 | $ 462,000 | $ 115,000 | $ 148,000 |
| Suffolk County New York | 4 | $ 1,176,000 | $ 294,000 | $ 135,000 |
| Kent County Rhode Island | 4 | $ 2,221,000 | $ 555,000 | $ 203,000 |
| Pinellas County Florida | 3 | $ 836,000 | $ 278,000 | $ 171,000 |
| Cumberland County Maine | 3 | $ 1,035,000 | $ 345,000 | $ 127,000 |
| Nantucket County Massachusetts | 3 | $ 1,790,000 | $ 596,000 | $ 461,000 |
| Cheshire County New Hampshire | 3 | $ 424,000 | $ 141,000 | $ 91,000 |
| Grafton County New Hampshire | 3 | $ 526,000 | $ 175,000 | $ 224,000 |
| Ocean County New Jersey | 3 | $ 1,096,000 | $ 365,000 | $ 323,000 |
| Monroe County New York | 3 | $ 808,000 | $ 269,000 | $ 128,000 |
| New York County New York | 3 | $ 1,519,000 | $ 506,000 | $ 526,000 |
| Richmond County New York | 3 | $ 1,345,000 | $ 448,000 | $ 167,000 |
| Windham County Connecticut | 2 | $ 425,000 | $ 212,000 | $ 70,000 |
| Broward County Florida | 2 | $ 668,000 | $ 334,000 | $ 190,000 |
| Palm Beach County Florida | 2 | $ 4,788,000 | $ 2,394,000 | $ 1,215,000 |
| Hawaii County Hawaii | 2 | $ 673,000 | $ 336,000 | $ 69,000 |
| Sullivan County New Hampshire | 2 | $ 386,000 | $ 193,000 | $ 125,000 |
| Bergen County New Jersey | 2 | $ 1,509,000 | $ 754,000 | $ 236,000 |
| Hamilton County New York | 2 | $ 375,000 | $ 187,000 | $ 108,000 |
| Putnam County New York | 2 | $ 145,000 | $ 72,000 | $ 44,000 |
| St. Lawrence County New York | 2 | $ 346,000 | $ 173,000 | $ 55,000 |
| Delaware County Pennsylvania | 2 | $ 1,921,000 | $ 960,000 | $ 342,000 |
| Lehigh County Pennsylvania | 2 | $ 731,000 | $ 365,000 | $ 108,000 |
| Orange County California | 1 | $ 813,000 | $ 813,000 | $ 877,000 |
| Hillsborough County Florida | 1 | $ 389,000 | $ 389,000 | $ 134,000 |
| Lake County Florida | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Manatee County Florida | 1 | $ 143,000 | $ 143,000 | $ 111,000 |
| Osceola County Florida | 1 | $ 140,000 | $ 140,000 | $ 202,000 |
| Sarasota County Florida | 1 | $ 900,000 | $ 900,000 | $ 2,016,000 |
| Sumter County Florida | 1 | $ 134,000 | $ 134,000 | $ 36,000 |
| Honolulu County Hawaii | 1 | $ 357,000 | $ 357,000 | $ 122,000 |
| Franklin County Maine | 1 | $ 328,000 | $ 328,000 | $ 312,000 |
| Waldo County Maine | 1 | $ 428,000 | $ 428,000 | $ 392,000 |
| Merrimack County New Hampshire | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Hudson County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Morris County New Jersey | 1 | $ 548,000 | $ 548,000 | $ 106,000 |
| Union County New Jersey | 1 | $ 345,000 | $ 345,000 | $ 105,000 |
| Bronx County New York | 1 | $ 217,000 | $ 217,000 | $ 64,000 |
| Clinton County New York | 1 | $ 125,000 | $ 125,000 | $ 157,000 |
| Dutchess County New York | 1 | $ 230,000 | $ 230,000 | $ 182,000 |
| Essex County New York | 1 | $ 206,000 | $ 206,000 | $ 107,000 |
| Franklin County New York | 1 | $ 1,408,000 | $ 1,408,000 | $ 1,024,000 |
| Ontario County New York | 1 | $ 3,120,000 | $ 3,120,000 | $ 0 |
| Orange County New York | 1 | $ 210,000 | $ 210,000 | $ 283,000 |
| Queens County New York | 1 | $ 413,000 | $ 413,000 | $ 125,000 |
| Schoharie County New York | 1 | $ 49,000 | $ 49,000 | $ 75,000 |
| Wayne County New York | 1 | $ 35,000 | $ 35,000 | $ 79,000 |
| Northampton County Pennsylvania | 1 | $ 9,000,000 | $ 9,000,000 | $ 0 |
| Pike County Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 1,015,000 |
| Addison County Vermont | 1 | $ 600,000 | $ 600,000 | $ 794,000 |
| Chittenden County Vermont | 1 | $ 238,000 | $ 238,000 | $ 192,000 |
| Lamoille County Vermont | 1 | $ 500,000 | $ 500,000 | $ 235,000 |
| Orange County Vermont | 1 | $ 213,000 | $ 213,000 | $ 79,000 |
| Washington County Vermont | 1 | $ 225,000 | $ 225,000 | $ 287,000 |
Mortgage Loan Application Detail Totals for Berkshire Bank in 2017
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 | 1,629 | $664,603,000 | $407,000 | $4,500,000 | $184,000 | $5,055,000 |
| Refinancing | 886 | $385,710,000 | $435,000 | $20,000,000 | $174,000 | $2,474,000 |
| Home Improvement | 536 | $73,286,000 | $136,000 | $8,800,000 | $112,000 | $731,000 |
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 | 2,317 | $757,665,000 | $327,000 | $4,500,000 | $173,000 | $5,055,000 |
| Asian | 341 | $160,566,000 | $470,000 | $1,880,000 | $179,000 | $1,657,000 |
| Not Provided | 157 | $55,779,000 | $355,000 | $1,276,000 | $190,000 | $1,288,000 |
| Hispanic | 124 | $32,001,000 | $258,000 | $925,000 | $123,000 | $692,000 |
| Black or African American | 51 | $9,616,000 | $188,000 | $995,000 | $94,000 | $375,000 |
| Not applicable | 44 | $103,835,000 | $2,359,000 | $20,000,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,854,000 | $206,000 | $1,100,000 | $124,000 | $370,000 |
| American Indian or Alaskan Native | 8 | $2,283,000 | $285,000 | $1,110,000 | $73,000 | $122,000 |
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) | 2,928 | $1,099,502,000 | $375,000 | $20,000,000 | $172,000 | $5,055,000 |
| FHA-insured (Federal Housing Administration) | 85 | $16,213,000 | $190,000 | $569,000 | $63,000 | $215,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,546,000 | $204,000 | $536,000 | $74,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,338,000 | $223,000 | $328,000 | $67,000 | $96,000 |
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 | 1,780 | $650,115,000 | $365,000 | $20,000,000 | $155,000 | $5,055,000 |
| Loan Purchased By The Institution | 595 | $322,099,000 | $541,000 | $3,100,000 | $265,000 | $5,055,000 |
| Application Denied By Financial Institution | 379 | $63,699,000 | $168,000 | $1,276,000 | $93,000 | $1,288,000 |
| Application Withdrawn By Applicant | 193 | $62,576,000 | $324,000 | $4,500,000 | $154,000 | $2,250,000 |
| File Closed For Incompleteness | 72 | $15,287,000 | $212,000 | $985,000 | $130,000 | $888,000 |
| Application Approved But Not Accepted | 32 | $9,823,000 | $306,000 | $900,000 | $163,000 | $1,083,000 |
| 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 | 128 | $17,458,000 | $136,000 | $925,000 | $89,000 | $675,000 |
| Debt-To-Income Ratio | 98 | $17,149,000 | $174,000 | $1,110,000 | $69,000 | $611,000 |
| Collateral | 80 | $16,571,000 | $207,000 | $700,000 | $110,000 | $439,000 |
| Credit Application Incomplete | 45 | $7,558,000 | $167,000 | $1,276,000 | $131,000 | $1,288,000 |
| Other | 23 | $3,443,000 | $149,000 | $451,000 | $85,000 | $475,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,236,000 | $309,000 | $475,000 | $114,000 | $183,000 |
| Employment History | 1 | $284,000 | $284,000 | $284,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2017 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.