Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Berkshire County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Berkshire County, home to Pittsfield, between 2023 and 2025: 8,894 applications, 6,993 loans actually funded, across 8 kinds of borrowing.
Berkshire County at a glance
8,894Applications decided
2023–2025
6,993Loans funded
79% of decisions
40Census tracts
20 ZIP codes
128,047People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Cash-out refinance is the hardest money to get here: lenders approved 57% of 727 applications.
Lending by loan type in Berkshire County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.0% | 3,726 | $225K | 97% | 187 |
| Home improvement loans | 76.5% | 1,915 | $55K | 96% | 66 |
| Cash-out refinance | 57.1% | 727 | $195K | 94% | 81 |
| Refinance | 75.5% | 1,242 | $115K | 95% | 76 |
| Investment property purchase | 87.6% | 862 | $285K | 95% | 152 |
| Investment cash-out refinance | 72.1% | 129 | $185K | 92% | 64 |
| Investment refinance | 75.0% | 160 | $165K | 98% | 43 |
| Investment home improvement | 63.2% | 133 | $155K | 94% | 38 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.