BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2011
In 2011, BNY Mellon, N.A. of Boston, MA reported 911 mortgage applications totaling $1.0 billion. The average application was for $1,112,576, and applicants reported an average income of $630,099. 72% of its applications resulted in an originated loan and 16% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (118), Boston-Quincy, MA (74) and Los Angeles-Long Beach-Glendale, CA (71) (applications in parentheses).
| Mortgage Company & Address | BNY Mellon, N.A. Boston, MA 02108 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 911 |
| Total Mortgage Loan Application Amount | $1,013,557,000 |
| Average Mortgage Loan Application Amount | $1,112,576 |
| Highest Mortgage Loan Application Amount | $15,000,000 |
| Average Applicant Income | $630,099 |
| Highest Applicant Income | $7,642,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 118 | $ 143,925,000 | $ 1,219,703 | $ 711,898 |
| Boston-Quincy, MA | 74 | $ 70,631,000 | $ 954,472 | $ 687,000 |
| Los Angeles-Long Beach-Glendale, CA | 71 | $ 111,045,000 | $ 1,564,014 | $ 797,000 |
| Cambridge-Newton-Framingham, MA | 37 | $ 43,494,000 | $ 1,175,513 | $ 435,000 |
| Bridgeport-Stamford-Norwalk, CT | 34 | $ 43,622,000 | $ 1,283,000 | $ 541,000 |
| Nassau-Suffolk, NY | 33 | $ 55,696,000 | $ 1,687,757 | $ 736,000 |
| Santa Ana-Anaheim-Irvine, CA | 30 | $ 36,491,000 | $ 1,216,366 | $ 675,000 |
| Philadelphia, PA | 23 | $ 20,368,000 | $ 885,565 | $ 424,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 22 | $ 22,630,000 | $ 1,028,636 | $ 516,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 18,002,000 | $ 857,238 | $ 567,000 |
| Pittsburgh, PA | 21 | $ 14,468,000 | $ 688,952 | $ 484,000 |
| Naples-Marco Island, FL | 15 | $ 20,694,000 | $ 1,379,600 | $ 657,000 |
| San Francisco-San Mateo-Redwood City, CA | 15 | $ 16,591,000 | $ 1,106,066 | $ 500,000 |
| Atlanta-Sandy Springs-Marietta, GA | 14 | $ 11,458,000 | $ 818,428 | $ 595,000 |
| Barnstable Town, MA | 14 | $ 12,312,000 | $ 879,428 | $ 437,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 13,925,000 | $ 1,071,153 | $ 965,000 |
| Edison-New Brunswick, NJ | 12 | $ 14,171,000 | $ 1,180,916 | $ 507,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 10,040,000 | $ 836,666 | $ 946,500 |
| Peabody, MA | 11 | $ 6,711,000 | $ 610,090 | $ 448,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 4,888,000 | $ 444,363 | $ 292,000 |
| Providence-New Bedford-Fall River, RI-MA | 9 | $ 9,390,000 | $ 1,043,333 | $ 474,000 |
| Chicago-Joliet-Naperville, IL | 7 | $ 6,454,000 | $ 922,000 | $ 411,000 |
| Las Vegas-Paradise, NV | 7 | $ 6,046,000 | $ 863,714 | $ 457,000 |
| Oakland-Fremont-Hayward, CA | 7 | $ 4,507,000 | $ 643,857 | $ 248,000 |
| Cleveland-Elyria-Mentor, OH | 6 | $ 17,036,000 | $ 2,839,333 | $ 315,000 |
| Houston-Sugar Land-Baytown, TX | 6 | $ 7,507,000 | $ 1,251,166 | $ 904,000 |
| Newark-Union, NJ-PA | 6 | $ 4,995,000 | $ 832,500 | $ 464,000 |
| North Port-Bradenton-Sarasota, FL | 6 | $ 4,750,000 | $ 791,666 | $ 906,000 |
| Ocean City, NJ | 6 | $ 3,441,000 | $ 573,500 | $ 256,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 6,195,000 | $ 1,032,500 | $ 377,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 7,400,000 | $ 1,233,333 | $ 399,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 6,102,000 | $ 1,017,000 | $ 1,187,000 |
| Tampa-St. Petersburg-Clearwater, FL | 6 | $ 6,174,000 | $ 1,029,000 | $ 868,000 |
| Oklahoma City, OK | 5 | $ 3,758,000 | $ 751,600 | $ 319,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 3,635,000 | $ 727,000 | $ 511,000 |
| Sebastian-Vero Beach, FL | 5 | $ 4,070,000 | $ 814,000 | $ 322,000 |
| Worcester, MA | 5 | $ 2,568,000 | $ 513,600 | $ 295,000 |
| Baltimore-Towson, MD | 4 | $ 3,321,000 | $ 830,250 | $ 351,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 2,690,000 | $ 672,500 | $ 254,000 |
| Denver-Aurora-Broomfield, CO | 4 | $ 2,708,000 | $ 677,000 | $ 567,000 |
| Phoenix-Mesa-Glendale, AZ | 4 | $ 2,785,000 | $ 696,250 | $ 490,000 |
| Port St. Lucie, FL | 4 | $ 8,853,000 | $ 2,213,250 | $ 921,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 4 | $ 10,810,000 | $ 2,702,500 | $ 944,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 1,806,000 | $ 602,000 | $ 262,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 3 | $ 2,120,000 | $ 706,666 | $ 338,000 |
| Columbus, OH | 3 | $ 1,530,000 | $ 510,000 | $ 218,000 |
| Dallas-Plano-Irving, TX | 3 | $ 1,806,000 | $ 602,000 | $ 239,000 |
| Honolulu, HI | 3 | $ 2,185,000 | $ 728,333 | $ 375,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 2,074,000 | $ 691,333 | $ 252,000 |
| Portland-South Portland-Biddeford, ME | 3 | $ 3,650,000 | $ 1,216,666 | $ 392,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 3 | $ 1,820,000 | $ 606,666 | $ 681,000 |
| Rockingham County-Strafford County, NH | 3 | $ 2,490,000 | $ 830,000 | $ 469,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 3 | $ 3,863,000 | $ 1,287,666 | $ 266,000 |
| Salt Lake City, UT | 3 | $ 3,870,000 | $ 1,290,000 | $ 1,745,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 1,645,000 | $ 548,333 | $ 316,000 |
| Wilmington, DE-MD-NJ | 3 | $ 3,870,000 | $ 1,290,000 | $ 627,000 |
| Asheville, NC | 2 | $ 1,060,000 | $ 530,000 | $ 228,000 |
| Bremerton-Silverdale, WA | 2 | $ 2,800,000 | $ 1,400,000 | $ 330,000 |
| Charlottesville, VA | 2 | $ 1,035,000 | $ 517,500 | $ 341,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 2,559,000 | $ 1,279,500 | $ 199,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 2,950,000 | $ 1,475,000 | $ 537,000 |
| Norwich-New London, CT | 2 | $ 2,514,000 | $ 1,257,000 | $ 468,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 807,000 | $ 403,500 | $ 143,000 |
| Salinas, CA | 2 | $ 2,953,000 | $ 1,476,500 | $ 794,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,620,000 | $ 810,000 | $ 415,000 |
| Tulsa, OK | 2 | $ 725,000 | $ 362,500 | $ 102,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 1,250,000 | $ 625,000 | $ 425,500 |
| Wilmington, NC | 2 | $ 701,000 | $ 350,500 | $ 182,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 1,057,000 | $ 1,057,000 | $ 762,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 430,000 | $ 430,000 | $ 234,000 |
| Boulder, CO | 1 | $ 1,178,000 | $ 1,178,000 | $ 450,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 548,000 | $ 548,000 | $ 258,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 3,500,000 | $ 3,500,000 | $ 1,515,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 455,000 | $ 455,000 | $ 252,000 |
| Durham-Chapel Hill, NC | 1 | $ 700,000 | $ 700,000 | $ 550,000 |
| Erie, PA | 1 | $ 1,238,000 | $ 1,238,000 | $ 653,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 323,000 | $ 323,000 | $ 489,000 |
| Fort Worth-Arlington, TX | 1 | $ 467,000 | $ 467,000 | $ 471,000 |
| Greensboro-High Point, NC | 1 | $ 1,050,000 | $ 1,050,000 | $ 538,000 |
| Idaho Falls, ID | 1 | $ 400,000 | $ 400,000 | $ 259,000 |
| Indianapolis-Carmel, IN | 1 | $ 500,000 | $ 500,000 | $ 271,000 |
| Jackson, MS | 1 | $ 700,000 | $ 700,000 | $ 887,000 |
| Jacksonville, FL | 1 | $ 675,000 | $ 675,000 | $ 296,000 |
| Kansas City, MO-KS | 1 | $ 225,000 | $ 225,000 | $ 401,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 760,000 | $ 760,000 | $ 283,000 |
| Manchester-Nashua, NH | 1 | $ 2,000,000 | $ 2,000,000 | $ 408,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 380,000 | $ 380,000 | $ 347,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 500,000 | $ 500,000 | $ 424,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 440,000 | $ 440,000 | $ 141,000 |
| Reno-Sparks, NV | 1 | $ 358,000 | $ 358,000 | $ 213,000 |
| Rochester, NY | 1 | $ 625,000 | $ 625,000 | $ 191,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 1,500,000 | $ 1,500,000 | $ 318,000 |
| Savannah, GA | 1 | $ 840,000 | $ 840,000 | $ 447,000 |
| Spokane, WA | 1 | $ 462,000 | $ 462,000 | $ 108,000 |
| Springfield, MA | 1 | $ 1,100,000 | $ 1,100,000 | $ 1,141,000 |
Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 558 | $623,801,000 | $1,117,000 | $15,000,000 | $627,000 | $6,700,000 |
| Home Purchase | 353 | $389,756,000 | $1,104,000 | $6,000,000 | $635,000 | $7,642,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 449 | $528,087,000 | $1,176,000 | $15,000,000 | $697,000 | $7,642,000 |
| White | 429 | $440,013,000 | $1,025,000 | $9,914,000 | $549,000 | $7,642,000 |
| Hispanic | 11 | $11,531,000 | $1,048,000 | $3,400,000 | $355,000 | $767,000 |
| Asian | 10 | $13,134,000 | $1,313,000 | $1,950,000 | $1,607,000 | $4,122,000 |
| Black or African American | 7 | $14,212,000 | $2,030,000 | $3,815,000 | $453,000 | $1,747,000 |
| Not applicable | 4 | $5,750,000 | $1,437,000 | $2,500,000 | $493,000 | $771,000 |
| American Indian or Alaskan Native | 1 | $830,000 | $830,000 | $830,000 | $469,000 | $469,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 911 | $1,013,557,000 | $1,112,000 | $15,000,000 | $630,000 | $7,642,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 654 | $651,847,000 | $996,000 | $10,100,000 | $655,000 | $7,642,000 |
| Application Denied By Financial Institution | 148 | $220,102,000 | $1,487,000 | $15,000,000 | $445,000 | $6,258,000 |
| Application Approved But Not Accepted | 49 | $62,684,000 | $1,279,000 | $5,800,000 | $581,000 | $2,414,000 |
| Application Withdrawn By Applicant | 43 | $57,305,000 | $1,332,000 | $3,000,000 | $799,000 | $6,700,000 |
| File Closed For Incompleteness | 14 | $18,199,000 | $1,299,000 | $5,500,000 | $1,147,000 | $7,642,000 |
| Preapproval Approved but not Accepted | 2 | $3,100,000 | $1,550,000 | $2,800,000 | $484,000 | $664,000 |
| Preapproval Denied by Financial Institution | 1 | $320,000 | $320,000 | $320,000 | $27,000 | $27,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 79 | $94,157,000 | $1,191,000 | $5,250,000 | $227,000 | $2,303,000 |
| Collateral | 37 | $74,171,000 | $2,004,000 | $15,000,000 | $828,000 | $6,258,000 |
| Other | 15 | $18,825,000 | $1,255,000 | $3,500,000 | $780,000 | $4,243,000 |
| Credit History | 11 | $23,771,000 | $2,161,000 | $9,914,000 | $469,000 | $1,027,000 |
| Unverifiable Information | 4 | $8,055,000 | $2,013,000 | $3,500,000 | $65,000 | $261,000 |
| Employment History | 2 | $796,000 | $398,000 | $408,000 | $47,000 | $47,000 |
| Credit Application Incomplete | 1 | $647,000 | $647,000 | $647,000 | $54,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNY Mellon, N.A.'s 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess BNY Mellon, N.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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