Berkshire Financial Group
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Berkshire Financial Group 2004 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 Financial Group 585 N. Gannon Avenue Staten Island, NY 10314 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,272 |
| Total Mortgage Loan Application Amount | $873,613,000 |
| Average Mortgage Loan Application Amount | $186,777 |
| Highest Mortgage Loan Application Amount | $2,252,000 |
| Average Applicant Income | $95,333 |
| Highest Applicant Income | $1,602,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Berkshire Financial Group. 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 Financial Group's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Berkshire Financial Group'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 Financial Group serves its applicants.
Each category highlights the total number of mortgage applications processed by Berkshire Financial Group, 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 Financial Group's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kings County New York | 645 | $ 189,325,000 | $ 293,000 | $ 77,000 |
| Queens County New York | 437 | $ 122,584,000 | $ 280,000 | $ 85,000 |
| Richmond County New York | 396 | $ 108,354,000 | $ 273,000 | $ 102,000 |
| Suffolk County New York | 207 | $ 52,170,000 | $ 252,000 | $ 72,000 |
| Nassau County New York | 193 | $ 55,600,000 | $ 288,000 | $ 109,000 |
| Bronx County New York | 128 | $ 34,130,000 | $ 266,000 | $ 86,000 |
| Essex County New Jersey | 75 | $ 18,603,000 | $ 248,000 | $ 82,000 |
| Hudson County New Jersey | 74 | $ 19,707,000 | $ 266,000 | $ 105,000 |
| Monmouth County New Jersey | 74 | $ 21,785,000 | $ 294,000 | $ 128,000 |
| Westchester County New York | 71 | $ 23,095,000 | $ 325,000 | $ 103,000 |
| Bergen County New Jersey | 69 | $ 25,257,000 | $ 366,000 | $ 127,000 |
| Middlesex County New Jersey | 53 | $ 13,406,000 | $ 252,000 | $ 130,000 |
| Union County New Jersey | 52 | $ 12,379,000 | $ 238,000 | $ 88,000 |
| Broward County Florida | 51 | $ 9,540,000 | $ 187,000 | $ 76,000 |
| Passaic County New Jersey | 41 | $ 10,172,000 | $ 248,000 | $ 100,000 |
| Ocean County New Jersey | 38 | $ 8,455,000 | $ 222,000 | $ 153,000 |
| Miami-Dade County Florida | 33 | $ 7,293,000 | $ 221,000 | $ 92,000 |
| Fairfield County Connecticut | 32 | $ 7,067,000 | $ 220,000 | $ 60,000 |
| Morris County New Jersey | 30 | $ 10,467,000 | $ 348,000 | $ 137,000 |
| Somerset County New Jersey | 27 | $ 7,976,000 | $ 295,000 | $ 121,000 |
| Rockland County New York | 27 | $ 8,345,000 | $ 309,000 | $ 100,000 |
| Prince George's County Maryland | 25 | $ 5,931,000 | $ 237,000 | $ 84,000 |
| Orange County New York | 20 | $ 4,269,000 | $ 213,000 | $ 81,000 |
| New York County New York | 19 | $ 6,609,000 | $ 347,000 | $ 206,000 |
| New Haven County Connecticut | 18 | $ 3,813,000 | $ 211,000 | $ 94,000 |
| Camden County New Jersey | 18 | $ 2,859,000 | $ 158,000 | $ 85,000 |
| Mercer County New Jersey | 18 | $ 2,415,000 | $ 134,000 | $ 106,000 |
| Baltimore County Maryland | 16 | $ 3,394,000 | $ 212,000 | $ 100,000 |
| Los Angeles County California | 15 | $ 4,257,000 | $ 283,000 | $ 127,000 |
| Atlantic County New Jersey | 15 | $ 2,679,000 | $ 178,000 | $ 76,000 |
| Gloucester County New Jersey | 15 | $ 2,885,000 | $ 192,000 | $ 78,000 |
| Cook County Illinois | 14 | $ 2,854,000 | $ 203,000 | $ 64,000 |
| Monroe County Pennsylvania | 14 | $ 2,480,000 | $ 177,000 | $ 134,000 |
| Palm Beach County Florida | 12 | $ 3,073,000 | $ 256,000 | $ 102,000 |
| Putnam County New York | 12 | $ 2,338,000 | $ 194,000 | $ 83,000 |
| Hartford County Connecticut | 10 | $ 1,405,000 | $ 140,000 | $ 65,000 |
| Burlington County New Jersey | 10 | $ 2,413,000 | $ 241,000 | $ 121,000 |
| Montgomery County Maryland | 8 | $ 2,517,000 | $ 314,000 | $ 89,000 |
| Philadelphia County Pennsylvania | 8 | $ 1,631,000 | $ 203,000 | $ 105,000 |
| Sussex County New Jersey | 7 | $ 2,361,000 | $ 337,000 | $ 126,000 |
| Albany County New York | 7 | $ 628,000 | $ 89,000 | $ 120,000 |
| Dutchess County New York | 7 | $ 1,197,000 | $ 171,000 | $ 62,000 |
| Pike County Pennsylvania | 7 | $ 1,178,000 | $ 168,000 | $ 95,000 |
| Orange County Florida | 6 | $ 954,000 | $ 159,000 | $ 47,000 |
| Polk County Florida | 6 | $ 680,000 | $ 113,000 | $ 97,000 |
| Anne Arundel County Maryland | 6 | $ 1,746,000 | $ 291,000 | $ 123,000 |
| Harford County Maryland | 6 | $ 1,451,000 | $ 241,000 | $ 90,000 |
| Howard County Maryland | 6 | $ 1,800,000 | $ 300,000 | $ 96,000 |
| Sullivan County New York | 6 | $ 1,541,000 | $ 256,000 | $ 135,000 |
| Ulster County New York | 6 | $ 1,513,000 | $ 252,000 | $ 74,000 |
| Hunterdon County New Jersey | 5 | $ 1,429,000 | $ 285,000 | $ 85,000 |
| Schenectady County New York | 5 | $ 523,000 | $ 104,000 | $ 46,000 |
| Lake County Florida | 4 | $ 480,000 | $ 120,000 | $ 99,000 |
| Seminole County Florida | 4 | $ 545,000 | $ 136,000 | $ 44,000 |
| Calvert County Maryland | 4 | $ 660,000 | $ 165,000 | $ 103,000 |
| Erie County New York | 4 | $ 658,000 | $ 164,000 | $ 60,000 |
| Northampton County Pennsylvania | 4 | $ 846,000 | $ 211,000 | $ 95,000 |
| Westmoreland County Pennsylvania | 4 | $ 359,000 | $ 89,000 | $ 66,000 |
| San Bernardino County California | 3 | $ 735,000 | $ 245,000 | $ 199,000 |
| Middlesex County Connecticut | 3 | $ 610,000 | $ 203,000 | $ 60,000 |
| Bay County Florida | 3 | $ 530,000 | $ 176,000 | $ 69,000 |
| Hillsborough County Florida | 3 | $ 455,000 | $ 151,000 | $ 203,000 |
| Marion County Florida | 3 | $ 418,000 | $ 139,000 | $ 126,000 |
| Osceola County Florida | 3 | $ 558,000 | $ 186,000 | $ 54,000 |
| Will County Illinois | 3 | $ 591,000 | $ 197,000 | $ 86,000 |
| Baltimore City County Maryland | 3 | $ 243,000 | $ 81,000 | $ 73,000 |
| Onondaga County New York | 3 | $ 294,000 | $ 98,000 | $ 49,000 |
| Rensselaer County New York | 3 | $ 369,000 | $ 123,000 | $ 81,000 |
| Delaware County Pennsylvania | 3 | $ 498,000 | $ 166,000 | $ 62,000 |
| Montgomery County Pennsylvania | 3 | $ 501,000 | $ 167,000 | $ 87,000 |
| Placer County California | 2 | $ 315,000 | $ 157,000 | $ 72,000 |
| San Diego County California | 2 | $ 2,625,000 | $ 1,312,000 | $ 469,000 |
| Litchfield County Connecticut | 2 | $ 613,000 | $ 306,000 | $ 58,000 |
| Tolland County Connecticut | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Alachua County Florida | 2 | $ 352,000 | $ 176,000 | $ 71,000 |
| Citrus County Florida | 2 | $ 214,000 | $ 107,000 | $ 40,000 |
| Collier County Florida | 2 | $ 1,127,000 | $ 563,000 | $ 423,000 |
| Duval County Florida | 2 | $ 516,000 | $ 258,000 | $ 78,000 |
| Hernando County Florida | 2 | $ 311,000 | $ 155,000 | $ 79,000 |
| Manatee County Florida | 2 | $ 674,000 | $ 337,000 | $ 129,000 |
| Martin County Florida | 2 | $ 558,000 | $ 279,000 | $ 216,000 |
| Pasco County Florida | 2 | $ 241,000 | $ 120,000 | $ 30,000 |
| St. Lucie County Florida | 2 | $ 329,000 | $ 164,000 | $ 157,000 |
| Frederick County Maryland | 2 | $ 520,000 | $ 260,000 | $ 79,000 |
| Cumberland County New Jersey | 2 | $ 343,000 | $ 171,000 | $ 90,000 |
| Delaware County New York | 2 | $ 887,000 | $ 443,000 | $ 142,000 |
| Monroe County New York | 2 | $ 222,000 | $ 111,000 | $ 64,000 |
| Niagara County New York | 2 | $ 178,000 | $ 89,000 | $ 93,000 |
| Tompkins County New York | 2 | $ 272,000 | $ 136,000 | $ 140,000 |
| Adams County Pennsylvania | 2 | $ 341,000 | $ 170,000 | $ 30,000 |
| Bedford County Pennsylvania | 2 | $ 204,000 | $ 102,000 | $ 70,000 |
| Bucks County Pennsylvania | 2 | $ 372,000 | $ 186,000 | $ 79,000 |
| Chester County Pennsylvania | 2 | $ 356,000 | $ 178,000 | $ 79,000 |
| Fayette County Pennsylvania | 2 | $ 231,000 | $ 115,000 | $ 72,000 |
| York County Pennsylvania | 2 | $ 216,000 | $ 108,000 | $ 127,000 |
| James City County Virginia | 2 | $ 427,000 | $ 213,000 | $ 91,000 |
| Newport News County Virginia | 2 | $ 136,000 | $ 68,000 | $ 216,000 |
| Alameda County California | 1 | $ 272,000 | $ 272,000 | $ 80,000 |
| Butte County California | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lake County California | 1 | $ 134,000 | $ 134,000 | $ 44,000 |
| Orange County California | 1 | $ 340,000 | $ 340,000 | $ 77,000 |
| Riverside County California | 1 | $ 217,000 | $ 217,000 | $ 87,000 |
| San Francisco County California | 1 | $ 247,000 | $ 247,000 | $ 106,000 |
| Tulare County California | 1 | $ 96,000 | $ 96,000 | $ 54,000 |
| Arapahoe County Colorado | 1 | $ 253,000 | $ 253,000 | $ 83,000 |
| Boulder County Colorado | 1 | $ 196,000 | $ 196,000 | $ 64,000 |
| New London County Connecticut | 1 | $ 140,000 | $ 140,000 | $ 33,000 |
| Windham County Connecticut | 1 | $ 112,000 | $ 112,000 | $ 74,000 |
| Kent County Delaware | 1 | $ 176,000 | $ 176,000 | $ 150,000 |
| Escambia County Florida | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Flagler County Florida | 1 | $ 120,000 | $ 120,000 | $ 86,000 |
| Gulf County Florida | 1 | $ 104,000 | $ 104,000 | $ 38,000 |
| Lee County Florida | 1 | $ 146,000 | $ 146,000 | $ 60,000 |
| Monroe County Florida | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| Pinellas County Florida | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Volusia County Florida | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Cobb County Georgia | 1 | $ 94,000 | $ 94,000 | $ 37,000 |
| DeKalb County Illinois | 1 | $ 176,000 | $ 176,000 | $ 67,000 |
| Lake County Illinois | 1 | $ 427,000 | $ 427,000 | $ 240,000 |
| Cecil County Maryland | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Charles County Maryland | 1 | $ 300,000 | $ 300,000 | $ 160,000 |
| Queen Anne's County Maryland | 1 | $ 400,000 | $ 400,000 | $ 101,000 |
| Somerset County Maryland | 1 | $ 283,000 | $ 283,000 | $ 42,000 |
| Talbot County Maryland | 1 | $ 782,000 | $ 782,000 | $ 210,000 |
| Hampden County Massachusetts | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 234,000 | $ 234,000 | $ 81,000 |
| Jackson County Michigan | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Macomb County Michigan | 1 | $ 123,000 | $ 123,000 | $ 32,000 |
| Oceana County Michigan | 1 | $ 239,000 | $ 239,000 | $ 276,000 |
| Wayne County Michigan | 1 | $ 204,000 | $ 204,000 | $ 110,000 |
| Seward County Nebraska | 1 | $ 90,000 | $ 90,000 | $ 32,000 |
| Cape May County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 142,000 |
| Salem County New Jersey | 1 | $ 124,000 | $ 124,000 | $ 82,000 |
| Warren County New Jersey | 1 | $ 274,000 | $ 274,000 | $ 107,000 |
| Chemung County New York | 1 | $ 86,000 | $ 86,000 | $ 18,000 |
| Madison County New York | 1 | $ 176,000 | $ 176,000 | $ 88,000 |
| Montgomery County New York | 1 | $ 220,000 | $ 220,000 | $ 105,000 |
| Otsego County New York | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Saratoga County New York | 1 | $ 151,000 | $ 151,000 | $ 73,000 |
| Schoharie County New York | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
| St. Lawrence County New York | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
| Steuben County New York | 1 | $ 91,000 | $ 91,000 | $ 36,000 |
| Allegheny County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 58,000 |
| Cumberland County Pennsylvania | 1 | $ 243,000 | $ 243,000 | $ 127,000 |
| Lackawanna County Pennsylvania | 1 | $ 43,000 | $ 43,000 | $ 37,000 |
| Lancaster County Pennsylvania | 1 | $ 152,000 | $ 152,000 | $ 51,000 |
| Lehigh County Pennsylvania | 1 | $ 300,000 | $ 300,000 | $ 226,000 |
| Washington County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
| Wayne County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Horry County South Carolina | 1 | $ 52,000 | $ 52,000 | $ 51,000 |
| Arlington County Virginia | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Orange County Virginia | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Rock County Wisconsin | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Berkshire Financial Group in 2004
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 | 3,272 | $873,613,000 | $186,777 | $2,252,000 | $95,333 | $1,602,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 1,805 | $490,880,000 | $218,133 | $2,252,000 | $103,933 | $1,602,000 |
| Black or African American | 814 | $210,043,000 | $169,900 | $1,140,000 | $86,200 | $419,000 |
| Not Provided | 515 | $134,020,000 | $185,727 | $865,000 | $82,909 | $984,000 |
| Asian | 112 | $31,191,000 | $215,571 | $2,080,000 | $119,285 | $643,000 |
| American Indian or Alaskan Native | 16 | $4,441,000 | $229,800 | $594,000 | $86,800 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $3,038,000 | $252,750 | $680,000 | $89,250 | $240,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 3,249 | $868,295,000 | $186,777 | $2,252,000 | $95,444 | $1,602,000 |
| FHA-insured (Federal Housing Administration) | 23 | $5,318,000 | $218,333 | $360,000 | $75,333 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,669 | $449,591,000 | $284,222 | $2,252,000 | $107,666 | $1,602,000 |
| Application Withdrawn By Applicant | 1,281 | $338,927,000 | $168,937 | $1,140,000 | $84,000 | $872,000 |
| Application Approved But Not Accepted | 192 | $52,117,000 | $211,333 | $1,500,000 | $91,000 | $872,000 |
| Application Denied By Financial Institution | 130 | $32,978,000 | $198,363 | $756,000 | $117,454 | $752,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $107,000 | $107,000 | $107,000 | $14,000 | $14,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkshire Financial Group's 2004 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 Financial Group'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.