Berkshire Bank in Massachusetts vs the state
18.4%Denial rate+2.14 pts vs state
21.3%Decision denial rate+1.32 pts vs state
66.2%Origination rate+3.57 pts vs state
5.50%Median rate-1.13 pts vs state
-1.41Rate spread (pts)-1.50 pts vs state
$183kMedian applicant income
530Loans originated
147Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,446 | 1,001 | 14.7% | 5.75% | #23 |
| 2024 | 1,423 | 973 | 16.9% | 6.13% | #30 |
| 2025 | 801 | 530 | 18.4% | 5.50% | #61 |
What Berkshire Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Berkshire Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 201 | 157 | 17 | 8.5% |
| Berkshire County | 114 | 56 | 36 | 31.6% |
| Hampden County | 112 | 64 | 28 | 25.0% |
| Suffolk County | 96 | 70 | 14 | 14.6% |
| Worcester County | 84 | 51 | 17 | 20.2% |
| Norfolk County | 70 | 50 | 8 | 11.4% |
| Essex County | 66 | 48 | 11 | 16.7% |
| Plymouth County | 24 | 15 | 5 | 20.8% |
| Hampshire County | 13 | 8 | 3 | 23.1% |
| Barnstable County | 10 | 6 | 3 | 30.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 801 applications in 2025, of which 530 were originated and 147 denied.
18.4% of all applications, or 21.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Berkshire Bank originated in Massachusetts in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Berkshire Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology