Lender in Massachusetts · HMDA 2025
Berkshire Bank mortgages in Massachusetts
Berkshire Bank's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Berkshire Bank originated 224 owner-occupied single-family loans in Massachusetts from 243 completed applications.
Its median conventional purchase loan costs were $5,410 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.375% (Massachusetts: 6.575%).
Loans in MA
224
of 243 applications
Denial rate
6.2%
Purchase · MA 6.3%
Rate spread
−0.20 pts
Conv. · MA +0.02 pts
Loan amount
$805,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 209 | 195 | 6.2% | 6.375% | −0.20 pts | $5,410 | $805,000 |
| Refinance | 27 | 23 | 11.1% | — | −0.34 pts | $4,470 | $1,005,000 |
| Cash-out refinance | 7 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Berkshire Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Berkshire County | 18 | 9 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology