Berkshire Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Berkshire Bank 2021 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 | 2,789 |
| Total Mortgage Loan Application Amount | $841,615,000 |
| Average Mortgage Loan Application Amount | $275,000 |
| Highest Mortgage Loan Application Amount | $35,915,000 |
| Average Applicant Income | $111,333 |
| Highest Applicant Income | $1,984,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Berkshire County Massachusetts | 339 | $ 68,445,000 | $ 201,000 | $ 134,000 |
| Hampden County Massachusetts | 295 | $ 46,665,000 | $ 158,000 | $ 99,000 |
| Worcester County Massachusetts | 179 | $ 49,905,000 | $ 278,000 | $ 132,000 |
| Windham County Connecticut | 165 | $ 22,505,000 | $ 136,000 | $ 93,000 |
| New London County Connecticut | 149 | $ 30,795,000 | $ 206,000 | $ 108,000 |
| Hartford County Connecticut | 142 | $ 24,990,000 | $ 175,000 | $ 140,000 |
| Oneida County New York | 131 | $ 12,815,000 | $ 97,000 | $ 87,000 |
| Middlesex County Massachusetts | 123 | $ 79,005,000 | $ 642,000 | $ 229,000 |
| Bristol County Massachusetts | 115 | $ 25,025,000 | $ 217,000 | $ 140,000 |
| Tolland County Connecticut | 110 | $ 20,110,000 | $ 182,000 | $ 112,000 |
| Onondaga County New York | 93 | $ 8,935,000 | $ 96,000 | $ 103,000 |
| Suffolk County Massachusetts | 56 | $ 83,000,000 | $ 1,482,000 | $ 245,000 |
| Columbia County New York | 53 | $ 13,585,000 | $ 256,000 | $ 207,000 |
| Albany County New York | 52 | $ 36,380,000 | $ 699,000 | $ 155,000 |
| Norfolk County Massachusetts | 49 | $ 50,685,000 | $ 1,034,000 | $ 189,000 |
| Newport County Rhode Island | 47 | $ 8,825,000 | $ 187,000 | $ 120,000 |
| Hampshire County Massachusetts | 43 | $ 5,935,000 | $ 138,000 | $ 92,000 |
| Washington County Rhode Island | 41 | $ 7,395,000 | $ 180,000 | $ 117,000 |
| Saratoga County New York | 39 | $ 16,615,000 | $ 426,000 | $ 126,000 |
| Bennington County Vermont | 36 | $ 7,500,000 | $ 208,000 | $ 163,000 |
| Herkimer County New York | 35 | $ 3,825,000 | $ 109,000 | $ 76,000 |
| Essex County Massachusetts | 34 | $ 46,110,000 | $ 1,356,000 | $ 214,000 |
| Plymouth County Massachusetts | 33 | $ 12,595,000 | $ 381,000 | $ 192,000 |
| Rensselaer County New York | 31 | $ 15,395,000 | $ 496,000 | $ 93,000 |
| Rutland County Vermont | 29 | $ 3,695,000 | $ 127,000 | $ 105,000 |
| Middlesex County Connecticut | 24 | $ 4,630,000 | $ 192,000 | $ 102,000 |
| Madison County New York | 24 | $ 3,620,000 | $ 150,000 | $ 100,000 |
| Washington County New York | 23 | $ 3,185,000 | $ 138,000 | $ 91,000 |
| Schenectady County New York | 21 | $ 14,395,000 | $ 685,000 | $ 108,000 |
| Providence County Rhode Island | 16 | $ 3,820,000 | $ 238,000 | $ 109,000 |
| Fulton County New York | 15 | $ 1,325,000 | $ 88,000 | $ 67,000 |
| Barnstable County Massachusetts | 13 | $ 6,105,000 | $ 469,000 | $ 359,000 |
| Warren County New York | 13 | $ 3,615,000 | $ 278,000 | $ 102,000 |
| Windsor County Vermont | 13 | $ 3,105,000 | $ 238,000 | $ 198,000 |
| Mercer County New Jersey | 11 | $ 1,675,000 | $ 152,000 | $ 125,000 |
| Oswego County New York | 11 | $ 685,000 | $ 62,000 | $ 89,000 |
| Fairfield County Connecticut | 9 | $ 9,645,000 | $ 1,071,000 | $ 442,000 |
| Montgomery County New York | 9 | $ 1,055,000 | $ 117,000 | $ 66,000 |
| New Haven County Connecticut | 8 | $ 2,220,000 | $ 277,000 | $ 84,000 |
| Suffolk County New York | 7 | $ 3,515,000 | $ 502,000 | $ 300,000 |
| Hillsborough County New Hampshire | 6 | $ 1,690,000 | $ 281,000 | $ 193,000 |
| Belknap County New Hampshire | 5 | $ 2,795,000 | $ 559,000 | $ 197,000 |
| Bergen County New Jersey | 5 | $ 1,365,000 | $ 273,000 | $ 183,000 |
| Monroe County New York | 5 | $ 735,000 | $ 147,000 | $ 155,000 |
| Queens County New York | 5 | $ 1,925,000 | $ 385,000 | $ 198,000 |
| Bristol County Rhode Island | 5 | $ 1,355,000 | $ 271,000 | $ 68,000 |
| Collier County Florida | 4 | $ 1,230,000 | $ 307,000 | $ 113,000 |
| Franklin County Massachusetts | 4 | $ 320,000 | $ 80,000 | $ 92,000 |
| Nantucket County Massachusetts | 4 | $ 2,470,000 | $ 617,000 | $ 253,000 |
| Rockingham County New Hampshire | 4 | $ 790,000 | $ 197,000 | $ 92,000 |
| Burlington County New Jersey | 4 | $ 720,000 | $ 180,000 | $ 129,000 |
| Morris County New Jersey | 4 | $ 1,360,000 | $ 340,000 | $ 152,000 |
| Essex County New York | 4 | $ 1,570,000 | $ 392,000 | $ 207,000 |
| Kings County New York | 4 | $ 1,370,000 | $ 342,000 | $ 156,000 |
| Otsego County New York | 4 | $ 550,000 | $ 137,000 | $ 191,000 |
| York County Maine | 3 | $ 2,175,000 | $ 725,000 | $ 99,000 |
| Essex County New Jersey | 3 | $ 735,000 | $ 245,000 | $ 172,000 |
| Monmouth County New Jersey | 3 | $ 1,425,000 | $ 475,000 | $ 200,000 |
| Somerset County New Jersey | 3 | $ 30,015,000 | $ 10,005,000 | $ 495,000 |
| Dutchess County New York | 3 | $ 495,000 | $ 165,000 | $ 138,000 |
| Greene County New York | 3 | $ 385,000 | $ 128,000 | $ 91,000 |
| Westchester County New York | 3 | $ 905,000 | $ 301,000 | $ 345,000 |
| Bucks County Pennsylvania | 3 | $ 1,025,000 | $ 341,000 | $ 408,000 |
| Windham County Vermont | 3 | $ 575,000 | $ 191,000 | $ 178,000 |
| Litchfield County Connecticut | 2 | $ 650,000 | $ 325,000 | $ 173,000 |
| Lee County Florida | 2 | $ 730,000 | $ 365,000 | $ 210,000 |
| Palm Beach County Florida | 2 | $ 1,370,000 | $ 685,000 | $ 649,000 |
| Oxford County Maine | 2 | $ 350,000 | $ 175,000 | $ 259,000 |
| Grafton County New Hampshire | 2 | $ 600,000 | $ 300,000 | $ 100,000 |
| Middlesex County New Jersey | 2 | $ 300,000 | $ 150,000 | $ 185,000 |
| Ocean County New Jersey | 2 | $ 1,940,000 | $ 970,000 | $ 629,000 |
| Cayuga County New York | 2 | $ 150,000 | $ 75,000 | $ 48,000 |
| Delaware County New York | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Hamilton County New York | 2 | $ 1,080,000 | $ 540,000 | $ 342,000 |
| Lewis County New York | 2 | $ 220,000 | $ 110,000 | $ 60,000 |
| Orange County New York | 2 | $ 310,000 | $ 155,000 | $ 244,000 |
| Tioga County New York | 2 | $ 110,000 | $ 55,000 | $ 61,000 |
| Philadelphia County Pennsylvania | 2 | $ 1,090,000 | $ 545,000 | $ 206,000 |
| Kent County Rhode Island | 2 | $ 530,000 | $ 265,000 | $ 172,000 |
| Caledonia County Vermont | 2 | $ 590,000 | $ 295,000 | $ 84,000 |
| Essex County Vermont | 2 | $ 440,000 | $ 220,000 | $ 124,000 |
| Indian River County Florida | 1 | $ 265,000 | $ 265,000 | $ 213,000 |
| Miami-Dade County Florida | 1 | $ 415,000 | $ 415,000 | $ 110,000 |
| Pinellas County Florida | 1 | $ 165,000 | $ 165,000 | $ 151,000 |
| Sarasota County Florida | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Aroostook County Maine | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Kennebec County Maine | 1 | $ 105,000 | $ 105,000 | $ 248,000 |
| Somerset County Maine | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Carroll County New Hampshire | 1 | $ 305,000 | $ 305,000 | $ 169,000 |
| Cheshire County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Merrimack County New Hampshire | 1 | $ 995,000 | $ 995,000 | $ 779,000 |
| Sullivan County New Hampshire | 1 | $ 125,000 | $ 125,000 | $ 87,000 |
| Camden County New Jersey | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Cape May County New Jersey | 1 | $ 2,705,000 | $ 2,705,000 | $ 1,984,000 |
| Chenango County New York | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Clinton County New York | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Franklin County New York | 1 | $ 205,000 | $ 205,000 | $ 390,000 |
| Jefferson County New York | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Livingston County New York | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Nassau County New York | 1 | $ 405,000 | $ 405,000 | $ 258,000 |
| New York County New York | 1 | $ 865,000 | $ 865,000 | $ 494,000 |
| Rockland County New York | 1 | $ 465,000 | $ 465,000 | $ 124,000 |
| St. Lawrence County New York | 1 | $ 145,000 | $ 145,000 | $ 225,000 |
| Berks County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Albemarle County Virginia | 1 | $ 455,000 | $ 455,000 | $ 0 |
Mortgage Loan Application Detail Totals for Berkshire Bank in 2021
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 | 890 | $264,630,000 | $297,000 | $14,405,000 | $132,000 | $1,677,000 |
| Home Improvement | 663 | $60,515,000 | $91,000 | $655,000 | $118,000 | $880,000 |
| Home Purchase | 568 | $364,880,000 | $642,000 | $35,915,000 | $146,000 | $1,984,000 |
| Cash-out Refinancing | 369 | $104,895,000 | $284,000 | $1,685,000 | $134,000 | $858,000 |
| Other Purpose | 198 | $25,840,000 | $130,000 | $1,005,000 | $138,000 | $844,000 |
| Not Applicable | 101 | $20,855,000 | $206,000 | $775,000 | $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 | 1,945 | $355,745,000 | $182,000 | $4,275,000 | $126,000 | $1,206,000 |
| Not Provided | 376 | $95,150,000 | $253,000 | $2,705,000 | $163,000 | $1,984,000 |
| Not applicable | 266 | $349,960,000 | $1,315,000 | $35,915,000 | $0 | $0 |
| Hispanic | 82 | $14,570,000 | $177,000 | $605,000 | $91,000 | $381,000 |
| Asian | 73 | $18,535,000 | $253,000 | $1,295,000 | $166,000 | $815,000 |
| Black or African American | 35 | $5,335,000 | $152,000 | $795,000 | $95,000 | $350,000 |
| American Indian or Alaskan Native | 6 | $810,000 | $135,000 | $565,000 | $139,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,705 | $823,665,000 | $304,000 | $35,915,000 | $134,000 | $1,984,000 |
| FHA-insured (Federal Housing Administration) | 64 | $13,410,000 | $209,000 | $445,000 | $69,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,915,000 | $230,000 | $375,000 | $71,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $625,000 | $208,000 | $285,000 | $84,000 | $105,000 |
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 | 1,613 | $570,165,000 | $353,000 | $35,915,000 | $139,000 | $1,984,000 |
| Application Denied By Financial Institution | 476 | $72,420,000 | $152,000 | $1,685,000 | $93,000 | $858,000 |
| Application Withdrawn By Applicant | 252 | $62,880,000 | $249,000 | $4,275,000 | $154,000 | $1,206,000 |
| Loan Purchased By The Institution | 226 | $93,870,000 | $415,000 | $1,175,000 | $0 | $0 |
| File Closed For Incompleteness | 180 | $34,270,000 | $190,000 | $1,295,000 | $132,000 | $735,000 |
| Application Approved But Not Accepted | 42 | $8,010,000 | $190,000 | $545,000 | $141,000 | $494,000 |
| 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 | 2,313 | $769,195,000 | $332,000 | $35,915,000 | $140,000 | $1,984,000 |
| Credit History | 163 | $15,785,000 | $96,000 | $865,000 | $88,000 | $858,000 |
| Debt-To-Income Ratio | 160 | $29,760,000 | $186,000 | $1,685,000 | $58,000 | $293,000 |
| Collateral | 94 | $14,910,000 | $158,000 | $1,005,000 | $141,000 | $729,000 |
| Other | 35 | $7,845,000 | $224,000 | $705,000 | $125,000 | $450,000 |
| Credit Application Incomplete | 18 | $3,180,000 | $176,000 | $1,205,000 | $135,000 | $750,000 |
| Employment History | 5 | $865,000 | $173,000 | $205,000 | $46,000 | $70,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Bank's 2021 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.