Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Berkshire Bank 2018 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 | 3,420 |
| Total Mortgage Loan Application Amount | $1,133,440,000 |
| Average Mortgage Loan Application Amount | $349,500 |
| Highest Mortgage Loan Application Amount | $41,005,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $4,259,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 485 | $ 253,925,000 | $ 523,000 | $ 170,000 |
| Berkshire County Massachusetts | 343 | $ 52,735,000 | $ 153,000 | $ 122,000 |
| Hampden County Massachusetts | 336 | $ 41,630,000 | $ 123,000 | $ 88,000 |
| Oneida County New York | 217 | $ 15,955,000 | $ 73,000 | $ 80,000 |
| Suffolk County Massachusetts | 194 | $ 111,520,000 | $ 574,000 | $ 239,000 |
| Norfolk County Massachusetts | 186 | $ 109,540,000 | $ 588,000 | $ 187,000 |
| Worcester County Massachusetts | 158 | $ 32,150,000 | $ 203,000 | $ 100,000 |
| Essex County Massachusetts | 135 | $ 54,745,000 | $ 405,000 | $ 186,000 |
| Onondaga County New York | 114 | $ 8,810,000 | $ 77,000 | $ 131,000 |
| Albany County New York | 98 | $ 31,230,000 | $ 318,000 | $ 93,000 |
| Hartford County Connecticut | 61 | $ 39,805,000 | $ 652,000 | $ 123,000 |
| Mercer County New Jersey | 61 | $ 18,765,000 | $ 307,000 | $ 136,000 |
| Philadelphia County Pennsylvania | 52 | $ 28,980,000 | $ 557,000 | $ 131,000 |
| Columbia County New York | 49 | $ 8,365,000 | $ 170,000 | $ 110,000 |
| Bennington County Vermont | 44 | $ 7,890,000 | $ 179,000 | $ 121,000 |
| Monmouth County New Jersey | 42 | $ 13,740,000 | $ 327,000 | $ 178,000 |
| Plymouth County Massachusetts | 38 | $ 15,130,000 | $ 398,000 | $ 129,000 |
| Saratoga County New York | 37 | $ 8,465,000 | $ 228,000 | $ 162,000 |
| Montgomery County Pennsylvania | 37 | $ 14,895,000 | $ 402,000 | $ 124,000 |
| Rensselaer County New York | 35 | $ 4,135,000 | $ 118,000 | $ 105,000 |
| Hampshire County Massachusetts | 32 | $ 3,950,000 | $ 123,000 | $ 115,000 |
| Rutland County Vermont | 32 | $ 3,020,000 | $ 94,000 | $ 85,000 |
| Herkimer County New York | 31 | $ 2,635,000 | $ 85,000 | $ 70,000 |
| Bucks County Pennsylvania | 29 | $ 9,315,000 | $ 321,000 | $ 116,000 |
| Barnstable County Massachusetts | 27 | $ 12,875,000 | $ 476,000 | $ 347,000 |
| Nassau County New York | 26 | $ 9,940,000 | $ 382,000 | $ 207,000 |
| Washington County New York | 23 | $ 7,775,000 | $ 338,000 | $ 61,000 |
| Madison County New York | 22 | $ 1,450,000 | $ 65,000 | $ 80,000 |
| Schenectady County New York | 22 | $ 3,100,000 | $ 140,000 | $ 101,000 |
| Middlesex County New Jersey | 21 | $ 8,195,000 | $ 390,000 | $ 116,000 |
| Ocean County New Jersey | 20 | $ 6,080,000 | $ 304,000 | $ 96,000 |
| Fulton County New York | 20 | $ 1,200,000 | $ 60,000 | $ 73,000 |
| Windsor County Vermont | 19 | $ 3,455,000 | $ 181,000 | $ 318,000 |
| Montgomery County New York | 18 | $ 1,730,000 | $ 96,000 | $ 74,000 |
| Suffolk County New York | 18 | $ 7,820,000 | $ 434,000 | $ 212,000 |
| Warren County New York | 17 | $ 1,535,000 | $ 90,000 | $ 68,000 |
| New London County Connecticut | 12 | $ 6,960,000 | $ 580,000 | $ 107,000 |
| Tolland County Connecticut | 12 | $ 1,580,000 | $ 131,000 | $ 169,000 |
| Somerset County New Jersey | 12 | $ 5,190,000 | $ 432,000 | $ 373,000 |
| Kings County New York | 12 | $ 7,890,000 | $ 657,000 | $ 256,000 |
| Oswego County New York | 12 | $ 970,000 | $ 80,000 | $ 89,000 |
| Bristol County Massachusetts | 11 | $ 3,765,000 | $ 342,000 | $ 88,000 |
| Westchester County New York | 11 | $ 5,275,000 | $ 479,000 | $ 198,000 |
| Fairfield County Connecticut | 10 | $ 7,230,000 | $ 723,000 | $ 185,000 |
| Queens County New York | 10 | $ 3,950,000 | $ 395,000 | $ 136,000 |
| Richmond County New York | 10 | $ 4,500,000 | $ 450,000 | $ 158,000 |
| Dukes County Massachusetts | 9 | $ 5,745,000 | $ 638,000 | $ 417,000 |
| Rockingham County New Hampshire | 9 | $ 3,165,000 | $ 351,000 | $ 116,000 |
| Bergen County New Jersey | 9 | $ 4,175,000 | $ 463,000 | $ 141,000 |
| Chester County Pennsylvania | 9 | $ 4,285,000 | $ 476,000 | $ 122,000 |
| Hudson County New Jersey | 8 | $ 3,090,000 | $ 386,000 | $ 95,000 |
| Middlesex County Connecticut | 7 | $ 2,475,000 | $ 353,000 | $ 148,000 |
| Burlington County New Jersey | 7 | $ 2,025,000 | $ 289,000 | $ 104,000 |
| Rockland County New York | 7 | $ 1,165,000 | $ 166,000 | $ 153,000 |
| Orange County New York | 6 | $ 1,780,000 | $ 296,000 | $ 120,000 |
| Carroll County New Hampshire | 5 | $ 2,045,000 | $ 409,000 | $ 382,000 |
| Morris County New Jersey | 5 | $ 935,000 | $ 187,000 | $ 85,000 |
| Monroe County New York | 5 | $ 415,000 | $ 83,000 | $ 159,000 |
| Delaware County Pennsylvania | 5 | $ 2,535,000 | $ 507,000 | $ 0 |
| Windham County Vermont | 5 | $ 1,715,000 | $ 343,000 | $ 263,000 |
| Litchfield County Connecticut | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| Franklin County Massachusetts | 4 | $ 1,040,000 | $ 260,000 | $ 71,000 |
| Nantucket County Massachusetts | 4 | $ 1,830,000 | $ 457,000 | $ 1,113,000 |
| Hillsborough County New Hampshire | 4 | $ 1,180,000 | $ 295,000 | $ 139,000 |
| Cape May County New Jersey | 4 | $ 3,370,000 | $ 842,000 | $ 0 |
| Union County New Jersey | 4 | $ 1,180,000 | $ 295,000 | $ 368,000 |
| Warren County New Jersey | 4 | $ 14,650,000 | $ 3,662,000 | $ 0 |
| Bronx County New York | 4 | $ 1,630,000 | $ 407,000 | $ 120,000 |
| Greene County New York | 4 | $ 880,000 | $ 220,000 | $ 107,000 |
| Otsego County New York | 4 | $ 370,000 | $ 92,000 | $ 51,000 |
| Providence County Rhode Island | 4 | $ 8,810,000 | $ 2,202,000 | $ 67,000 |
| Washington County Vermont | 4 | $ 500,000 | $ 125,000 | $ 160,000 |
| Windham County Connecticut | 3 | $ 95,000 | $ 31,000 | $ 86,000 |
| Belknap County New Hampshire | 3 | $ 1,425,000 | $ 475,000 | $ 57,000 |
| Dutchess County New York | 3 | $ 885,000 | $ 295,000 | $ 119,000 |
| Newport County Rhode Island | 3 | $ 1,625,000 | $ 541,000 | $ 0 |
| New Haven County Connecticut | 2 | $ 520,000 | $ 260,000 | $ 0 |
| York County Maine | 2 | $ 1,010,000 | $ 505,000 | $ 0 |
| Grafton County New Hampshire | 2 | $ 260,000 | $ 130,000 | $ 25,000 |
| Essex County New Jersey | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Passaic County New Jersey | 2 | $ 990,000 | $ 495,000 | $ 117,000 |
| Chenango County New York | 2 | $ 150,000 | $ 75,000 | $ 67,000 |
| Essex County New York | 2 | $ 750,000 | $ 375,000 | $ 226,000 |
| Lewis County New York | 2 | $ 110,000 | $ 55,000 | $ 193,000 |
| Schoharie County New York | 2 | $ 120,000 | $ 60,000 | $ 104,000 |
| Berks County Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 0 |
| Washington County Rhode Island | 2 | $ 1,230,000 | $ 615,000 | $ 427,000 |
| Lamoille County Vermont | 2 | $ 2,500,000 | $ 1,250,000 | $ 0 |
| Brevard County Florida | 1 | $ 135,000 | $ 135,000 | $ 142,000 |
| Collier County Florida | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Lee County Florida | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Manatee County Florida | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Palm Beach County Florida | 1 | $ 125,000 | $ 125,000 | $ 240,000 |
| Pinellas County Florida | 1 | $ 95,000 | $ 95,000 | $ 82,000 |
| Cumberland County Maine | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Franklin County Maine | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Montgomery County Maryland | 1 | $ 405,000 | $ 405,000 | $ 276,000 |
| Worcester County Maryland | 1 | $ 305,000 | $ 305,000 | $ 222,000 |
| Atlantic County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Camden County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 133,000 |
| Gloucester County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Broome County New York | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Cayuga County New York | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Chemung County New York | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Delaware County New York | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Hamilton County New York | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Niagara County New York | 1 | $ 15,000 | $ 15,000 | $ 70,000 |
| Ontario County New York | 1 | $ 365,000 | $ 365,000 | $ 0 |
| St. Lawrence County New York | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Steuben County New York | 1 | $ 225,000 | $ 225,000 | $ 272,000 |
| Sullivan County New York | 1 | $ 205,000 | $ 205,000 | $ 2,221,000 |
| Ulster County New York | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Monroe County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Pike County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 139,000 |
| Bristol County Rhode Island | 1 | $ 41,005,000 | $ 41,005,000 | $ 0 |
| Kent County Rhode Island | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Franklin County Vermont | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
Mortgage Loan Application Detail Totals for Berkshire Bank in 2018
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 | 1,231 | $570,465,000 | $463,000 | $17,005,000 | $140,000 | $4,259,000 |
| Refinancing | 769 | $225,045,000 | $292,000 | $41,005,000 | $114,000 | $1,433,000 |
| Home Improvement | 695 | $57,785,000 | $83,000 | $755,000 | $117,000 | $2,221,000 |
| Other Purpose | 289 | $29,875,000 | $103,000 | $785,000 | $112,000 | $1,609,000 |
| Cash-out Refinancing | 227 | $106,375,000 | $468,000 | $1,505,000 | $159,000 | $1,227,000 |
| Not Applicable | 209 | $143,895,000 | $688,000 | $1,885,000 | $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 | 2,516 | $696,240,000 | $276,000 | $3,015,000 | $125,000 | $4,259,000 |
| Asian | 319 | $147,405,000 | $462,000 | $1,205,000 | $114,000 | $499,000 |
| Not Provided | 221 | $93,395,000 | $422,000 | $1,865,000 | $167,000 | $1,940,000 |
| Hispanic | 143 | $30,945,000 | $216,000 | $1,365,000 | $88,000 | $315,000 |
| Not applicable | 117 | $145,065,000 | $1,239,000 | $41,005,000 | $0 | $0 |
| Black or African American | 90 | $18,530,000 | $205,000 | $905,000 | $91,000 | $535,000 |
| American Indian or Alaskan Native | 3 | $145,000 | $48,000 | $65,000 | $60,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $105,000 | $14,000 | $21,000 |
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) | 3,327 | $1,113,175,000 | $334,000 | $41,005,000 | $125,000 | $4,259,000 |
| FHA-insured (Federal Housing Administration) | 80 | $16,960,000 | $212,000 | $555,000 | $76,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,210,000 | $267,000 | $435,000 | $91,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $95,000 | $95,000 | $95,000 | $35,000 | $35,000 |
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 | 1,364 | $332,880,000 | $244,000 | $41,005,000 | $125,000 | $1,979,000 |
| Loan Purchased By The Institution | 1,106 | $656,640,000 | $593,000 | $3,015,000 | $0 | $0 |
| Application Denied By Financial Institution | 545 | $68,725,000 | $126,000 | $1,475,000 | $93,000 | $1,227,000 |
| Application Withdrawn By Applicant | 206 | $42,410,000 | $205,000 | $1,205,000 | $185,000 | $4,259,000 |
| File Closed For Incompleteness | 152 | $22,690,000 | $149,000 | $1,375,000 | $135,000 | $2,221,000 |
| Application Approved But Not Accepted | 47 | $10,095,000 | $214,000 | $865,000 | $119,000 | $401,000 |
| 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 | 2,875 | $1,064,715,000 | $370,000 | $41,005,000 | $133,000 | $4,259,000 |
| Credit History | 210 | $20,240,000 | $96,000 | $1,475,000 | $93,000 | $852,000 |
| Debt-To-Income Ratio | 169 | $25,595,000 | $151,000 | $1,255,000 | $64,000 | $317,000 |
| Collateral | 124 | $16,390,000 | $132,000 | $1,335,000 | $122,000 | $1,227,000 |
| Credit Application Incomplete | 16 | $1,270,000 | $79,000 | $205,000 | $114,000 | $504,000 |
| Other | 14 | $3,300,000 | $235,000 | $985,000 | $170,000 | $724,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,100,000 | $183,000 | $365,000 | $89,000 | $140,000 |
| Unverifiable Information | 3 | $475,000 | $158,000 | $335,000 | $47,000 | $47,000 |
| Employment History | 3 | $355,000 | $118,000 | $295,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2018 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.