BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2014
In 2014, BNY Mellon, N.A. of Boston, MA reported 1,348 mortgage applications totaling $1.6 billion, up 5% from 2013. The average application was for $1,186,689, and applicants reported an average income of $693,501. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (167), Los Angeles-Long Beach-Glendale, CA (73) and Boston, MA (62) (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 | 1,348 |
| Total Mortgage Loan Application Amount | $1,599,657,000 |
| Average Mortgage Loan Application Amount | $1,186,689 |
| Highest Mortgage Loan Application Amount | $9,680,000 |
| Average Applicant Income | $693,501 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Jersey City-White Plains, NY-NJ | 167 | $ 246,352,000 | $ 1,475,161 | $ 861,826 |
| Los Angeles-Long Beach-Glendale, CA | 73 | $ 118,332,000 | $ 1,620,986 | $ 945,000 |
| Boston, MA | 62 | $ 69,849,000 | $ 1,126,596 | $ 813,000 |
| Cambridge-Newton-Framingham, MA | 61 | $ 58,222,000 | $ 954,459 | $ 544,000 |
| Bridgeport-Stamford-Norwalk, CT | 60 | $ 93,702,000 | $ 1,561,700 | $ 945,000 |
| Anaheim-Santa Ana-Irvine, CA | 41 | $ 52,118,000 | $ 1,271,170 | $ 656,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 39 | $ 51,266,000 | $ 1,314,512 | $ 815,000 |
| San Diego-Carlsbad, CA | 33 | $ 47,282,000 | $ 1,432,787 | $ 725,000 |
| San Francisco-Redwood City-South San Francisco, CA | 33 | $ 55,010,000 | $ 1,666,969 | $ 670,000 |
| Dallas-Plano-Irving, TX | 30 | $ 26,095,000 | $ 869,833 | $ 637,000 |
| Nassau County-Suffolk County, NY | 27 | $ 37,985,000 | $ 1,406,851 | $ 852,000 |
| Seattle-Bellevue-Everett, WA | 27 | $ 23,118,000 | $ 856,222 | $ 409,000 |
| Atlanta-Sandy Springs-Roswell, GA | 26 | $ 23,385,000 | $ 899,423 | $ 570,000 |
| Chicago-Naperville-Arlington Heights, IL | 25 | $ 18,227,000 | $ 729,080 | $ 461,000 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 33,420,000 | $ 1,336,800 | $ 566,000 |
| San Rafael, CA | 21 | $ 22,998,000 | $ 1,095,142 | $ 455,000 |
| Naples-Immokalee-Marco Island, FL | 20 | $ 20,660,000 | $ 1,033,000 | $ 536,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 19 | $ 14,114,000 | $ 742,842 | $ 494,473 |
| Montgomery County-Bucks County-Chester County, PA | 18 | $ 16,543,000 | $ 919,055 | $ 513,000 |
| Barnstable Town, MA | 17 | $ 21,105,000 | $ 1,241,470 | $ 934,000 |
| Pittsburgh, PA | 17 | $ 10,156,000 | $ 597,411 | $ 400,000 |
| Oakland-Hayward-Berkeley, CA | 16 | $ 14,713,000 | $ 919,562 | $ 474,000 |
| Denver-Aurora-Lakewood, CO | 15 | $ 10,065,000 | $ 671,000 | $ 286,000 |
| Newark, NJ-PA | 15 | $ 14,202,000 | $ 946,800 | $ 931,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 10,365,000 | $ 863,750 | $ 360,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 7,147,000 | $ 714,700 | $ 543,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 9,588,000 | $ 958,800 | $ 346,000 |
| Providence-Warwick, RI-MA | 10 | $ 15,044,000 | $ 1,504,400 | $ 1,171,200 |
| Austin-Round Rock, TX | 9 | $ 7,529,000 | $ 836,555 | $ 449,000 |
| Las Vegas-Henderson-Paradise, NV | 9 | $ 10,392,000 | $ 1,154,666 | $ 315,000 |
| Charleston-North Charleston, SC | 8 | $ 7,913,000 | $ 989,125 | $ 537,000 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 9,353,000 | $ 1,169,125 | $ 1,011,000 |
| Ocean City, NJ | 8 | $ 8,203,000 | $ 1,025,375 | $ 873,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 6,251,000 | $ 781,375 | $ 447,000 |
| Silver Spring-Frederick-Rockville, MD | 8 | $ 10,962,000 | $ 1,370,250 | $ 359,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 8,034,000 | $ 1,004,250 | $ 659,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 23,965,000 | $ 3,423,571 | $ 2,116,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 6,863,000 | $ 1,143,833 | $ 588,000 |
| Santa Rosa, CA | 6 | $ 6,605,000 | $ 1,100,833 | $ 540,000 |
| Brunswick, GA | 5 | $ 14,339,000 | $ 2,867,800 | $ 1,082,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 3,542,000 | $ 708,400 | $ 468,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 4,465,000 | $ 893,000 | $ 846,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 8,024,000 | $ 1,604,800 | $ 1,836,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 5,056,000 | $ 1,011,200 | $ 413,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 4,685,000 | $ 1,171,250 | $ 518,000 |
| Napa, CA | 4 | $ 5,425,000 | $ 1,356,250 | $ 1,010,000 |
| New Haven-Milford, CT | 4 | $ 2,494,000 | $ 623,500 | $ 762,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,928,000 | $ 482,000 | $ 374,000 |
| Philadelphia, PA | 4 | $ 2,998,000 | $ 749,500 | $ 434,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 4,677,000 | $ 1,169,250 | $ 1,174,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 4 | $ 2,014,000 | $ 503,500 | $ 280,000 |
| Bend-Redmond, OR | 3 | $ 2,771,000 | $ 923,666 | $ 985,000 |
| Bremerton-Silverdale, WA | 3 | $ 1,884,000 | $ 628,000 | $ 243,000 |
| Charlottesville, VA | 3 | $ 5,305,000 | $ 1,768,333 | $ 833,000 |
| Cleveland-Elyria, OH | 3 | $ 2,392,000 | $ 797,333 | $ 1,096,000 |
| Columbus, OH | 3 | $ 1,748,000 | $ 582,666 | $ 348,000 |
| Gainesville, GA | 3 | $ 2,799,000 | $ 933,000 | $ 456,000 |
| Jacksonville, FL | 3 | $ 2,710,000 | $ 903,333 | $ 582,000 |
| Portland-South Portland, ME | 3 | $ 1,556,000 | $ 518,666 | $ 281,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 3,035,000 | $ 1,011,666 | $ 763,000 |
| Santa Fe, NM | 3 | $ 1,454,000 | $ 484,666 | $ 179,000 |
| Tulsa, OK | 3 | $ 4,850,000 | $ 1,616,666 | $ 2,232,000 |
| Urban Honolulu, HI | 3 | $ 4,553,000 | $ 1,517,666 | $ 807,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 2,884,000 | $ 961,333 | $ 562,000 |
| Albuquerque, NM | 2 | $ 1,102,000 | $ 551,000 | $ 216,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 1,093,000 | $ 546,500 | $ 635,000 |
| Boulder, CO | 2 | $ 1,559,000 | $ 779,500 | $ 429,000 |
| Burlington-South Burlington, VT | 2 | $ 1,623,000 | $ 811,500 | $ 1,013,000 |
| Gary, IN | 2 | $ 1,750,000 | $ 875,000 | $ 457,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 1,310,000 | $ 655,000 | $ 465,000 |
| Manchester-Nashua, NH | 2 | $ 2,868,000 | $ 1,434,000 | $ 870,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 1,233,000 | $ 616,500 | $ 273,000 |
| Oklahoma City, OK | 2 | $ 1,450,000 | $ 725,000 | $ 114,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,649,000 | $ 824,500 | $ 531,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,000,000 | $ 500,000 | $ 187,000 |
| Port St. Lucie, FL | 2 | $ 909,000 | $ 454,500 | $ 150,000 |
| Richmond, VA | 2 | $ 1,358,000 | $ 679,000 | $ 200,000 |
| Rockingham County-Strafford County, NH | 2 | $ 748,000 | $ 374,000 | $ 181,000 |
| Salinas, CA | 2 | $ 2,075,000 | $ 1,037,500 | $ 92,000 |
| Salisbury, MD-DE | 2 | $ 2,120,000 | $ 1,060,000 | $ 877,000 |
| Salt Lake City, UT | 2 | $ 1,675,000 | $ 837,500 | $ 1,160,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,014,000 | $ 1,007,000 | $ 1,886,000 |
| Springfield, MA | 2 | $ 848,000 | $ 424,000 | $ 230,000 |
| Wenatchee, WA | 2 | $ 1,595,000 | $ 797,500 | $ 795,000 |
| Bellingham, WA | 1 | $ 500,000 | $ 500,000 | $ 226,000 |
| Camden, NJ | 1 | $ 1,060,000 | $ 1,060,000 | $ 320,000 |
| Coeur D'Alene, ID | 1 | $ 656,000 | $ 656,000 | $ 500,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 263,000 | $ 263,000 | $ 432,000 |
| Durham-Chapel Hill, NC | 1 | $ 600,000 | $ 600,000 | $ 440,000 |
| Elgin, IL | 1 | $ 1,850,000 | $ 1,850,000 | $ 965,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 650,000 | $ 650,000 | $ 662,000 |
| Fort Collins, CO | 1 | $ 500,000 | $ 500,000 | $ 781,000 |
| Fort Worth-Arlington, TX | 1 | $ 668,000 | $ 668,000 | $ 263,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 550,000 | $ 550,000 | $ 350,000 |
| Greeley, CO | 1 | $ 975,000 | $ 975,000 | $ 180,000 |
| Harrisburg-Carlisle, PA | 1 | $ 1,200,000 | $ 1,200,000 | $ 482,000 |
| Hot Springs, AR | 1 | $ 1,200,000 | $ 1,200,000 | $ 810,000 |
| Ithaca, NY | 1 | $ 574,000 | $ 574,000 | $ 283,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 600,000 | $ 600,000 | $ 142,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 600,000 | $ 600,000 | $ 236,000 |
| Kingston, NY | 1 | $ 264,000 | $ 264,000 | $ 281,000 |
| Knoxville, TN | 1 | $ 600,000 | $ 600,000 | $ 574,000 |
| Memphis, TN-MS-AR | 1 | $ 525,000 | $ 525,000 | $ 449,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 188,000 | $ 188,000 | $ 251,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 500,000 | $ 500,000 | $ 1,007,000 |
| Muskegon, MI | 1 | $ 725,000 | $ 725,000 | $ 1,030,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 2,800,000 | $ 2,800,000 | $ 2,400,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 580,000 | $ 580,000 | $ 164,000 |
| Norwich-New London, CT | 1 | $ 500,000 | $ 500,000 | $ 150,000 |
| Olympia-Tumwater, WA | 1 | $ 763,000 | $ 763,000 | $ 228,000 |
| Pittsfield, MA | 1 | $ 500,000 | $ 500,000 | $ 460,000 |
| Prescott, AZ | 1 | $ 232,000 | $ 232,000 | $ 287,000 |
| Provo-Orem, UT | 1 | $ 750,000 | $ 750,000 | $ 277,000 |
| Raleigh, NC | 1 | $ 389,000 | $ 389,000 | $ 410,000 |
| Reno, NV | 1 | $ 633,000 | $ 633,000 | $ 323,000 |
| Rochester, MN | 1 | $ 795,000 | $ 795,000 | $ 1,100,000 |
| San Antonio-New Braunfels, TX | 1 | $ 600,000 | $ 600,000 | $ 468,000 |
| Savannah, GA | 1 | $ 840,000 | $ 840,000 | $ 926,000 |
| Sebastian-Vero Beach, FL | 1 | $ 900,000 | $ 900,000 | $ 1,118,000 |
| Spartanburg, SC | 1 | $ 230,000 | $ 230,000 | $ 81,000 |
| Tacoma-Lakewood, WA | 1 | $ 640,000 | $ 640,000 | $ 2,758,000 |
| Wilmington, DE-MD-NJ | 1 | $ 900,000 | $ 900,000 | $ 661,000 |
| Wilmington, NC | 1 | $ 644,000 | $ 644,000 | $ 213,000 |
| Worcester, MA-CT | 1 | $ 500,000 | $ 500,000 | $ 528,000 |
Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 828 | $1,005,057,000 | $1,213,000 | $9,680,000 | $720,000 | $9,999,000 |
| Refinancing | 479 | $553,618,000 | $1,155,000 | $8,000,000 | $645,000 | $5,844,000 |
| Home Improvement | 41 | $40,982,000 | $999,000 | $9,000,000 | $725,000 | $4,418,000 |
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 | 732 | $923,227,000 | $1,261,000 | $9,680,000 | $748,000 | $7,654,000 |
| White | 581 | $622,126,000 | $1,070,000 | $8,400,000 | $628,000 | $9,999,000 |
| Asian | 17 | $21,837,000 | $1,284,000 | $2,500,000 | $558,000 | $1,498,000 |
| Hispanic | 8 | $10,881,000 | $1,360,000 | $3,000,000 | $762,000 | $2,494,000 |
| Black or African American | 4 | $7,415,000 | $1,853,000 | $3,100,000 | $1,313,000 | $2,197,000 |
| Not applicable | 4 | $13,125,000 | $3,281,000 | $4,000,000 | $257,000 | $757,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,046,000 | $523,000 | $872,000 | $136,000 | $219,000 |
| American Indian or Alaskan Native | 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) | 1,348 | $1,599,657,000 | $1,186,000 | $9,680,000 | $694,000 | $9,999,000 |
| 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 | 1,008 | $1,136,051,000 | $1,127,000 | $6,815,000 | $714,000 | $9,999,000 |
| Application Denied By Financial Institution | 106 | $143,879,000 | $1,357,000 | $8,000,000 | $469,000 | $3,614,000 |
| Application Withdrawn By Applicant | 82 | $99,361,000 | $1,211,000 | $4,650,000 | $704,000 | $4,992,000 |
| Preapproval Approved but not Accepted | 58 | $66,743,000 | $1,150,000 | $8,400,000 | $525,000 | $2,882,000 |
| Application Approved But Not Accepted | 55 | $72,696,000 | $1,321,000 | $6,000,000 | $708,000 | $4,410,000 |
| Preapproval Denied by Financial Institution | 20 | $30,132,000 | $1,506,000 | $6,300,000 | $436,000 | $1,498,000 |
| File Closed For Incompleteness | 19 | $50,795,000 | $2,673,000 | $9,680,000 | $1,542,000 | $6,000,000 |
| 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 | 64 | $85,986,000 | $1,343,000 | $8,000,000 | $290,000 | $1,075,000 |
| Collateral | 31 | $51,550,000 | $1,662,000 | $5,500,000 | $795,000 | $3,614,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $23,017,000 | $1,353,000 | $4,000,000 | $447,000 | $1,946,000 |
| Credit History | 9 | $7,371,000 | $819,000 | $2,000,000 | $648,000 | $3,239,000 |
| Other | 3 | $4,838,000 | $1,612,000 | $2,138,000 | $377,000 | $545,000 |
| Unverifiable Information | 1 | $715,000 | $715,000 | $715,000 | $455,000 | $455,000 |
| Employment History | 1 | $534,000 | $534,000 | $534,000 | $237,000 | $237,000 |
| Credit Application Incomplete | 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 2014 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.
For a list of all lenders in Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.
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