Mortgage lending in Berkshire County, Massachusetts
Lenders in Berkshire County, Massachusetts reported 4,403 mortgage applications for 2025, according to the CFPB.
4,403 mortgage applications and 2,729 loans originated in 2025; the denial rate was 19.8% of 3,546 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Berkshire County, MA (part) HUD Metro FMR Area, Pittsfield, MA HUD Metro FMR Area.
- 4,403
- Applications
- 2,729
- Loans originated
- 19.8%
- Denial rate
- 702 denied of 3,546 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,403 | 2,729 |
| 2024 | 4,028 | 2,531 |
| 2023 | 4,091 | 2,548 |
| 2022 | 5,585 | 3,582 |
| 2021 | 7,096 | 4,499 |
| 2020 | 6,957 | 4,402 |
| 2019 | 4,756 | 3,041 |
| 2018 | 4,623 | 2,914 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Greylock Federal Credit Union | 906 | 1,260 |
| Adams Community Bank | 269 | 412 |
| Guild Mortgage Company | 230 | 314 |
| Pittsfield Cooperative Bank | 154 | 205 |
| Rocket Mortgage | 110 | 165 |
| Lee Bank | 104 | 139 |
| NBT Bank NA | 70 | 121 |
| Berkshire Bank | 56 | 114 |
| Citizens Bank, NA | 45 | 86 |
| TD Bank | 37 | 88 |
| United Wholesale Mortgage | 35 | 55 |
| loanDepot.com LLC | 33 | 44 |
| MountainOne Bank | 31 | 48 |
| Beacon Bank & Trust | 24 | 47 |
| New American Funding, LLC. | 23 | 54 |
| Kiavi Funding, Inc. | 20 | 25 |
| Navy Federal Credit Union | 18 | 33 |
| Crosscountry Mortgage, LLC | 18 | 38 |
| Guaranteed Rate, Inc. | 17 | 39 |
| Mortgage Research Center | 16 | 55 |
| Pennymac Loan Services LLC | 15 | 43 |
| Newrez LLC | 14 | 45 |
| Fairway Independent Mort Corp | 14 | 16 |
| Leader Bank NA | 13 | 20 |
| JPMorgan Chase Bank, NA | 13 | 26 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 16 | no rate: base under 50 |
| Asian | 59 | no rate: base under 50 |
| Black or African American | 132 | 27.8% of 97 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,368 | 19.1% of 2,739 decided |
| 2 or more minority races | under 10 | |
| Joint | 74 | 17.2% of 58 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 746 | 21.1% of 591 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 262 | 22.8% of 215 decided |
| Not Hispanic or Latino | 3,298 | 19.8% of 2,674 decided |
| Joint | withheld | |
| Ethnicity Not Available | 773 | 19.8% of 600 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,441 | 24.6% of 1,148 decided |
| Female | 1,114 | 21.1% of 869 decided |
| Joint | 1,393 | 13.6% of 1,167 decided |
| Sex Not Available | 455 | 21.3% of 362 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1008 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved