Berkshire Bank mortgage approval rate & lending review
Berkshire Bank decided 3,756 mortgage applications and funded 2,944 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Berkshire Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Berkshire Bank at a glance
Approval is 2.3 points above the 78.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 1,551 / 1,675 | 98% | $775K | 1,522 |
| Home improvement loans | 65% | 564 / 872 | 95% | $105K | 537 |
| Cash-out refinance | 78% | 90 / 116 | 98% | $215K | 88 |
| Refinance | 75% | 515 / 685 | 97% | $155K | 498 |
| Investment property purchase | 88% | 238 / 272 | 97% | $535K | 230 |
| Investment refinance | 61% | 28 / 46 | 100% | $395K | 28 |
| Investment home improvement | 40% | 27 / 67 | 93% | $155K | 25 |
Berkshire Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 83% | $785K | 2,800 | 2,266 |
| New York | 68% | $145K | 430 | 274 |
| Connecticut | 71% | $215K | 237 | 163 |
| Rhode Island | 83% | $455K | 153 | 123 |
| New Hampshire | 89% | $435K | 56 | 49 |
| Florida | 90% | $385K | 42 | 34 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Berkshire Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 97% | 534 | 507 |
| Suffolk County, MA | Mortgage lenders | 94% | 189 | 174 |
| Norfolk County, MA | Mortgage lenders | 98% | 147 | 143 |
| Essex County, MA | Mortgage lenders | 94% | 121 | 114 |
| Worcester County, MA | Mortgage lenders | 90% | 127 | 113 |
| Berkshire County, MA | Refinance | 75% | 127 | 91 |
| Middlesex County, MA | Refinance | 86% | 103 | 86 |
| Worcester County, MA | Home improvement loans | 65% | 131 | 78 |
| Hampden County, MA | Home improvement loans | 65% | 121 | 75 |
| Berkshire County, MA | Home improvement loans | 60% | 127 | 73 |
| Hampden County, MA | Refinance | 69% | 103 | 70 |
| Hampden County, MA | Mortgage lenders | 85% | 81 | 68 |
The county markets where Berkshire Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Berkshire Bank
What is Berkshire Bank's mortgage approval rate?
Berkshire Bank approved 80.7% of the 3,756 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 78.3% national rate for the same mix of loan types.
How often do borrowers take the loan Berkshire Bank offers?
Borrowers accepted 97% of the loans Berkshire Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Berkshire Bank make?
The typical home purchase mortgage loan Berkshire Bank made was $775K; across all loan types its typical loan ran from $105K to $775K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Berkshire Bank lend?
Berkshire Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Massachusetts, New York and Connecticut.
Can I apply to Berkshire Bank directly?
Yes. Berkshire Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Berkshire Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Berkshire Bank treats applications, then get a rate quote from the lender.