BNY Mellon, N.A. Mortgage Lending & HMDA Data, 2024
In 2024, BNY Mellon, N.A. of Boston, MA reported 657 mortgage applications totaling $947.9 million, down 32% from 2023. The average application was for $1,442,808, and applicants reported an average income of $789,601. 67% of its applications resulted in an originated loan and 7% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (40), Boston, MA (28) and Atlanta-Sandy Springs-Roswell, GA (24) (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 | 657 |
| Total Mortgage Loan Application Amount | $947,925,000 |
| Average Mortgage Loan Application Amount | $1,442,808 |
| Highest Mortgage Loan Application Amount | $25,505,000 |
| Average Applicant Income | $789,601 |
| Highest Applicant Income | $9,165,000 |
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Act (HMDA) records BNY Mellon, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 145 | $ 225,705,000 | $ 1,556,586 | $ 689,398 |
| New York-Jersey City-White Plains, NY-NJ | 40 | $ 53,880,000 | $ 1,347,000 | $ 1,029,500 |
| Boston, MA | 28 | $ 37,610,000 | $ 1,343,214 | $ 647,000 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 27,200,000 | $ 1,133,333 | $ 707,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 42,420,000 | $ 2,356,666 | $ 1,155,000 |
| Cambridge-Newton-Framingham, MA | 16 | $ 16,400,000 | $ 1,025,000 | $ 448,000 |
| Bridgeport-Stamford-Norwalk, CT | 14 | $ 24,610,000 | $ 1,757,857 | $ 965,000 |
| Denver-Aurora-Lakewood, CO | 13 | $ 13,015,000 | $ 1,001,153 | $ 407,000 |
| Anaheim-Santa Ana-Irvine, CA | 12 | $ 20,680,000 | $ 1,723,333 | $ 1,074,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 24,120,000 | $ 2,010,000 | $ 1,525,000 |
| Chicago-Naperville, IL | 11 | $ 9,605,000 | $ 873,181 | $ 678,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 18,855,000 | $ 1,714,090 | $ 953,000 |
| Phoenix-Mesa-Scottsdale, AZ | 11 | $ 10,725,000 | $ 975,000 | $ 520,000 |
| San Diego-Carlsbad, CA | 11 | $ 10,895,000 | $ 990,454 | $ 614,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 18,995,000 | $ 1,726,818 | $ 731,000 |
| Montgomery County-Bucks County-Chester County, PA | 10 | $ 13,920,000 | $ 1,392,000 | $ 1,060,000 |
| Nassau County-Suffolk County, NY | 9 | $ 13,395,000 | $ 1,488,333 | $ 1,246,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 15,980,000 | $ 1,997,500 | $ 918,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 41,210,000 | $ 5,151,250 | $ 2,729,000 |
| Barnstable Town, MA | 7 | $ 5,785,000 | $ 826,428 | $ 634,000 |
| Boulder, CO | 6 | $ 8,120,000 | $ 1,353,333 | $ 596,000 |
| Lakewood-New Brunswick, NJ | 6 | $ 8,510,000 | $ 1,418,333 | $ 887,000 |
| Marietta, GA | 6 | $ 4,810,000 | $ 801,666 | $ 586,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 7,780,000 | $ 1,296,666 | $ 558,000 |
| Pittsburgh, PA | 6 | $ 3,600,000 | $ 600,000 | $ 279,000 |
| Providence-Warwick, RI-MA | 6 | $ 8,940,000 | $ 1,490,000 | $ 1,017,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 4,450,000 | $ 741,666 | $ 450,000 |
| San Rafael, CA | 6 | $ 8,730,000 | $ 1,455,000 | $ 686,000 |
| Arlington-Alexandria-Reston, VA-WV | 5 | $ 4,555,000 | $ 911,000 | $ 358,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 9,115,000 | $ 1,823,000 | $ 417,000 |
| Austin-Round Rock, TX | 5 | $ 5,715,000 | $ 1,143,000 | $ 979,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 12,445,000 | $ 2,489,000 | $ 1,379,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 6,575,000 | $ 1,315,000 | $ 502,000 |
| Philadelphia, PA | 5 | $ 3,955,000 | $ 791,000 | $ 704,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 2,805,000 | $ 561,000 | $ 356,000 |
| Tucson, AZ | 5 | $ 4,575,000 | $ 915,000 | $ 513,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 6,010,000 | $ 1,502,500 | $ 680,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 2,930,000 | $ 732,500 | $ 543,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 3,750,000 | $ 937,500 | $ 757,000 |
| Tampa, FL | 4 | $ 5,680,000 | $ 1,420,000 | $ 413,000 |
| Urban Honolulu, HI | 4 | $ 6,070,000 | $ 1,517,500 | $ 1,003,000 |
| Washington-Baltimore-Arlington, DC | 4 | $ 5,540,000 | $ 1,385,000 | $ 1,162,000 |
| Bozeman, MT | 3 | $ 2,695,000 | $ 898,333 | $ 951,000 |
| Charleston-North Charleston, SC | 3 | $ 5,715,000 | $ 1,905,000 | $ 886,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 3,885,000 | $ 1,295,000 | $ 2,250,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 4,685,000 | $ 1,561,666 | $ 788,000 |
| Fort Collins, CO | 3 | $ 1,805,000 | $ 601,666 | $ 282,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 3,735,000 | $ 1,245,000 | $ 406,000 |
| Jacksonville, FL | 3 | $ 4,365,000 | $ 1,455,000 | $ 486,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 5,095,000 | $ 1,698,333 | $ 1,576,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 2,365,000 | $ 788,333 | $ 606,000 |
| Newark, NJ-PA | 3 | $ 1,895,000 | $ 631,666 | $ 301,000 |
| Portland-South Portland, ME | 3 | $ 6,655,000 | $ 2,218,333 | $ 1,951,000 |
| Richmond, VA | 3 | $ 2,425,000 | $ 808,333 | $ 392,000 |
| Rockingham County-Strafford County, NH | 3 | $ 2,885,000 | $ 961,666 | $ 689,000 |
| Salt Lake City, UT | 3 | $ 4,695,000 | $ 1,565,000 | $ 1,131,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 10,095,000 | $ 3,365,000 | $ 1,594,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 2,670,000 | $ 1,335,000 | $ 466,000 |
| Bend-Redmond, OR | 2 | $ 2,380,000 | $ 1,190,000 | $ 557,000 |
| Boise City, ID | 2 | $ 3,610,000 | $ 1,805,000 | $ 1,278,000 |
| Cincinnati, OH-KY-IN | 2 | $ 1,450,000 | $ 725,000 | $ 759,000 |
| Colorado Springs, CO | 2 | $ 820,000 | $ 410,000 | $ 231,000 |
| Flagstaff, AZ | 2 | $ 1,920,000 | $ 960,000 | $ 469,000 |
| Fort Wayne, IN | 2 | $ 3,080,000 | $ 1,540,000 | $ 2,106,000 |
| Fort Worth-Arlington, TX | 2 | $ 5,720,000 | $ 2,860,000 | $ 1,235,000 |
| Macon-Bibb County, GA | 2 | $ 6,010,000 | $ 3,005,000 | $ 798,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 1,230,000 | $ 615,000 | $ 656,500 |
| San Antonio-New Braunfels, TX | 2 | $ 4,060,000 | $ 2,030,000 | $ 775,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 6,610,000 | $ 3,305,000 | $ 708,000 |
| Santa Rosa, CA | 2 | $ 3,240,000 | $ 1,620,000 | $ 613,000 |
| Savannah, GA | 2 | $ 2,440,000 | $ 1,220,000 | $ 539,000 |
| Syracuse, NY | 2 | $ 1,270,000 | $ 635,000 | $ 292,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 2,080,000 | $ 1,040,000 | $ 708,000 |
| Washington, DC-MD | 2 | $ 2,810,000 | $ 1,405,000 | $ 580,500 |
| Albany-Schenectady-Troy, NY | 1 | $ 575,000 | $ 575,000 | $ 251,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 255,000 | $ 255,000 | $ 350,000 |
| Ames, IA | 1 | $ 255,000 | $ 255,000 | $ 892,000 |
| Ann Arbor, MI | 1 | $ 525,000 | $ 525,000 | $ 216,000 |
| Asheville, NC | 1 | $ 1,625,000 | $ 1,625,000 | $ 1,099,000 |
| Auburn-Opelika, AL | 1 | $ 1,955,000 | $ 1,955,000 | $ 2,833,000 |
| Bellingham, WA | 1 | $ 655,000 | $ 655,000 | $ 738,000 |
| Bowling Green, KY | 1 | $ 745,000 | $ 745,000 | $ 509,000 |
| Brunswick, GA | 1 | $ 1,085,000 | $ 1,085,000 | $ 235,000 |
| Champaign-Urbana, IL | 1 | $ 315,000 | $ 315,000 | $ 1,012,000 |
| Charleston, WV | 1 | $ 805,000 | $ 805,000 | $ 634,000 |
| Chattanooga, TN-GA | 1 | $ 505,000 | $ 505,000 | $ 686,000 |
| Cleveland, OH | 1 | $ 805,000 | $ 805,000 | $ 1,000,000 |
| Corpus Christi, TX | 1 | $ 1,125,000 | $ 1,125,000 | $ 494,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,305,000 | $ 1,305,000 | $ 798,000 |
| Durham-Chapel Hill, NC | 1 | $ 1,005,000 | $ 1,005,000 | $ 484,000 |
| Fargo, ND-MN | 1 | $ 455,000 | $ 455,000 | $ 214,000 |
| Glens Falls, NY | 1 | $ 1,605,000 | $ 1,605,000 | $ 2,000,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 1,755,000 | $ 1,755,000 | $ 480,000 |
| Grants Pass, OR | 1 | $ 505,000 | $ 505,000 | $ 175,000 |
| Green Bay, WI | 1 | $ 805,000 | $ 805,000 | $ 353,000 |
| Greensboro-High Point, NC | 1 | $ 1,005,000 | $ 1,005,000 | $ 367,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 1,105,000 | $ 1,105,000 | $ 1,116,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Lancaster, PA | 1 | $ 665,000 | $ 665,000 | $ 486,000 |
| Lexington-Fayette, KY | 1 | $ 545,000 | $ 545,000 | $ 350,000 |
| Manchester-Nashua, NH | 1 | $ 475,000 | $ 475,000 | $ 294,000 |
| Memphis, TN-MS-AR | 1 | $ 1,025,000 | $ 1,025,000 | $ 303,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 1,105,000 | $ 1,105,000 | $ 720,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 4,005,000 | $ 4,005,000 | $ 822,000 |
| Montgomery, AL | 1 | $ 1,685,000 | $ 1,685,000 | $ 1,532,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 585,000 | $ 585,000 | $ 143,000 |
| Napa, CA | 1 | $ 7,005,000 | $ 7,005,000 | $ 1,284,000 |
| New Orleans-Metairie, LA | 1 | $ 1,605,000 | $ 1,605,000 | $ 201,000 |
| Panama City, FL | 1 | $ 655,000 | $ 655,000 | $ 238,000 |
| Pittsfield, MA | 1 | $ 455,000 | $ 455,000 | $ 242,000 |
| Raleigh, NC | 1 | $ 375,000 | $ 375,000 | $ 116,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 2,205,000 | $ 2,205,000 | $ 507,000 |
| Santa Fe, NM | 1 | $ 555,000 | $ 555,000 | $ 231,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 4,005,000 | $ 4,005,000 | $ 1,143,000 |
| Sebastian-Vero Beach, FL | 1 | $ 455,000 | $ 455,000 | $ 408,000 |
| Springfield, MA | 1 | $ 555,000 | $ 555,000 | $ 234,000 |
| St. George, UT | 1 | $ 705,000 | $ 705,000 | $ 312,000 |
| State College, PA | 1 | $ 505,000 | $ 505,000 | $ 691,000 |
| Tulsa, OK | 1 | $ 705,000 | $ 705,000 | $ 494,000 |
| Wilmington, NC | 1 | $ 1,305,000 | $ 1,305,000 | $ 555,000 |
| Worcester, MA-CT | 1 | $ 1,155,000 | $ 1,155,000 | $ 1,248,000 |
Mortgage Loan Application Detail Totals for BNY Mellon, N.A. in 2024
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 | 436 | $620,900,000 | $1,424,000 | $7,805,000 | $740,000 | $5,728,000 |
| Other Purpose | 168 | $244,220,000 | $1,453,000 | $25,505,000 | $910,000 | $9,165,000 |
| Refinancing | 39 | $57,685,000 | $1,479,000 | $3,805,000 | $718,000 | $3,539,000 |
| Home Improvement | 14 | $25,120,000 | $1,794,000 | $6,005,000 | $1,089,000 | $3,142,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 468 | $646,160,000 | $1,380,000 | $25,505,000 | $776,000 | $9,165,000 |
| Not Provided | 150 | $223,040,000 | $1,486,000 | $7,005,000 | $804,000 | $6,144,000 |
| Asian | 19 | $37,175,000 | $1,956,000 | $6,505,000 | $1,122,000 | $4,500,000 |
| Not applicable | 9 | $28,085,000 | $3,120,000 | $6,255,000 | $0 | $0 |
| Hispanic | 7 | $8,215,000 | $1,173,000 | $2,775,000 | $651,000 | $1,980,000 |
| Black or African American | 4 | $5,250,000 | $1,312,000 | $2,005,000 | $484,000 | $679,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 657 | $947,925,000 | $1,442,000 | $25,505,000 | $789,000 | $9,165,000 |
| 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 | 438 | $555,980,000 | $1,269,000 | $9,005,000 | $787,000 | $6,144,000 |
| Preapproval Approved but not Accepted | 75 | $119,895,000 | $1,598,000 | $7,805,000 | $699,000 | $3,263,000 |
| Application Denied By Financial Institution | 44 | $84,520,000 | $1,920,000 | $7,005,000 | $567,000 | $1,815,000 |
| Application Withdrawn By Applicant | 39 | $77,015,000 | $1,974,000 | $25,505,000 | $955,000 | $8,704,000 |
| Application Approved But Not Accepted | 37 | $58,775,000 | $1,588,000 | $7,505,000 | $767,000 | $2,647,000 |
| File Closed For Incompleteness | 14 | $33,030,000 | $2,359,000 | $6,505,000 | $1,969,000 | $9,165,000 |
| Preapproval Denied by Financial Institution | 10 | $18,710,000 | $1,871,000 | $4,005,000 | $454,000 | $775,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 603 | $844,695,000 | $1,400,000 | $25,505,000 | $812,000 | $9,165,000 |
| Debt-To-Income Ratio | 43 | $87,935,000 | $2,045,000 | $7,005,000 | $468,000 | $1,284,000 |
| Collateral | 5 | $5,005,000 | $1,001,000 | $2,325,000 | $845,000 | $1,815,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $8,285,000 | $1,657,000 | $2,885,000 | $819,000 | $1,716,000 |
| Credit History | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $1,009,000 | $1,009,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into BNY Mellon, N.A.'s 2024 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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