Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2016
In 2016, Boston Private Bank & Trust Co of Boston, MA reported 1,200 mortgage applications totaling $1.2 billion, up 7% from 2015. The average application was for $996,420, and applicants reported an average income of $367,064. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Boston, MA (350), Cambridge-Newton-Framingham, MA (257) and Los Angeles-Long Beach-Glendale, CA (257) (applications in parentheses).
| Mortgage Company & Address | Boston Private Bank & Trust Co Ten Post Office Square Boston, MA 02109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,200 |
| Total Mortgage Loan Application Amount | $1,195,705,000 |
| Average Mortgage Loan Application Amount | $996,420 |
| Highest Mortgage Loan Application Amount | $21,000,000 |
| Average Applicant Income | $367,064 |
| Highest Applicant Income | $6,500,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 257 | $ 276,740,000 | $ 1,076,809 | $ 378,000 |
| Suffolk, Massachusetts | 201 | $ 180,880,000 | $ 899,900 | $ 243,000 |
| Middlesex, Massachusetts | 182 | $ 164,517,000 | $ 903,939 | $ 368,000 |
| Norfolk, Massachusetts | 117 | $ 121,323,000 | $ 1,036,948 | $ 503,000 |
| San Mateo, California | 96 | $ 115,385,000 | $ 1,201,927 | $ 345,000 |
| Essex, Massachusetts | 75 | $ 54,803,000 | $ 730,706 | $ 362,000 |
| San Francisco, California | 54 | $ 32,288,000 | $ 597,925 | $ 146,000 |
| Plymouth, Massachusetts | 32 | $ 24,133,000 | $ 754,156 | $ 523,000 |
| Barnstable, Massachusetts | 28 | $ 19,115,000 | $ 682,678 | $ 546,000 |
| Marin, California | 14 | $ 21,516,000 | $ 1,536,857 | $ 313,000 |
| Nantucket, Massachusetts | 12 | $ 27,143,000 | $ 2,261,916 | $ 847,000 |
| San Diego, California | 7 | $ 10,609,000 | $ 1,515,571 | $ 450,000 |
| Santa Clara, California | 7 | $ 8,519,000 | $ 1,217,000 | $ 326,000 |
| Ventura, California | 7 | $ 11,130,000 | $ 1,590,000 | $ 595,000 |
| Orange, California | 6 | $ 8,522,000 | $ 1,420,333 | $ 296,000 |
| York, Maine | 6 | $ 5,651,000 | $ 941,833 | $ 474,000 |
| Dukes, Massachusetts | 6 | $ 8,351,000 | $ 1,391,833 | $ 316,000 |
| Worcester, Massachusetts | 6 | $ 27,789,000 | $ 4,631,500 | $ 57,000 |
| Newport, Rhode Island | 6 | $ 4,673,000 | $ 778,833 | $ 458,000 |
| Alameda, California | 5 | $ 11,885,000 | $ 2,377,000 | $ 458,000 |
| Sonoma, California | 5 | $ 5,039,000 | $ 1,007,800 | $ 518,000 |
| Palm Beach, Florida | 4 | $ 5,655,000 | $ 1,413,750 | $ 1,866,000 |
| Rockingham, New Hampshire | 4 | $ 3,116,000 | $ 779,000 | $ 559,000 |
| Cumberland, Maine | 3 | $ 2,056,000 | $ 685,333 | $ 322,000 |
| Contra Costa, California | 2 | $ 2,405,000 | $ 1,202,500 | $ 843,000 |
| Monterey, California | 2 | $ 2,817,000 | $ 1,408,500 | $ 453,000 |
| San Bernardino, California | 2 | $ 587,000 | $ 293,500 | $ 103,000 |
| Broward, Florida | 2 | $ 3,288,000 | $ 1,644,000 | $ 379,000 |
| Berkshire, Massachusetts | 2 | $ 1,699,000 | $ 849,500 | $ 989,000 |
| Merrimack, New Hampshire | 2 | $ 2,432,000 | $ 1,216,000 | $ 201,000 |
| Fresno, California | 1 | $ 1,220,000 | $ 1,220,000 | $ 293,000 |
| Napa, California | 1 | $ 1,370,000 | $ 1,370,000 | $ 588,000 |
| Placer, California | 1 | $ 1,575,000 | $ 1,575,000 | $ 1,058,000 |
| Riverside, California | 1 | $ 360,000 | $ 360,000 | $ 191,000 |
| Santa Cruz, California | 1 | $ 360,000 | $ 360,000 | $ 220,000 |
| Tuolumne, California | 1 | $ 520,000 | $ 520,000 | $ 373,000 |
| Yolo, California | 1 | $ 299,000 | $ 299,000 | $ 185,000 |
| Charlotte, Florida | 1 | $ 140,000 | $ 140,000 | $ 279,000 |
| Miami-Dade, Florida | 1 | $ 1,520,000 | $ 1,520,000 | $ 1,219,000 |
| Waldo, Maine | 1 | $ 760,000 | $ 760,000 | $ 1,020,000 |
| Bristol, Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 276,000 |
| Hampden, Massachusetts | 1 | $ 191,000 | $ 191,000 | $ 67,000 |
| Belknap, New Hampshire | 1 | $ 174,000 | $ 174,000 | $ 246,000 |
| Carroll, New Hampshire | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Grafton, New Hampshire | 1 | $ 185,000 | $ 185,000 | $ 635,000 |
| Sullivan, New Hampshire | 1 | $ 366,000 | $ 366,000 | $ 294,000 |
| Kings, New York | 1 | $ 3,680,000 | $ 3,680,000 | $ 0 |
| Bristol, Rhode Island | 1 | $ 2,100,000 | $ 2,100,000 | $ 1,882,000 |
| Providence, Rhode Island | 1 | $ 408,000 | $ 408,000 | $ 142,000 |
| Washington, Rhode Island | 1 | $ 640,000 | $ 640,000 | $ 1,121,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2016
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 | 646 | $557,474,000 | $862,000 | $21,000,000 | $293,000 | $6,197,000 |
| Refinancing | 499 | $587,122,000 | $1,176,000 | $15,500,000 | $471,000 | $6,500,000 |
| Home Improvement | 55 | $51,109,000 | $929,000 | $3,600,000 | $294,000 | $1,121,000 |
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 |
|---|---|---|---|---|---|---|
| White | 819 | $848,050,000 | $1,035,000 | $6,600,000 | $451,000 | $6,500,000 |
| Hispanic | 135 | $52,951,000 | $392,000 | $2,625,000 | $133,000 | $1,142,000 |
| Asian | 107 | $65,435,000 | $611,000 | $5,000,000 | $185,000 | $2,392,000 |
| Not Provided | 67 | $66,006,000 | $985,000 | $5,340,000 | $427,000 | $4,950,000 |
| Black or African American | 37 | $14,810,000 | $400,000 | $1,800,000 | $123,000 | $683,000 |
| Not applicable | 34 | $148,256,000 | $4,360,000 | $21,000,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 1 | $197,000 | $197,000 | $197,000 | $63,000 | $63,000 |
| 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) | 1,200 | $1,195,705,000 | $996,000 | $21,000,000 | $367,000 | $6,500,000 |
| 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 | 965 | $958,761,000 | $993,000 | $21,000,000 | $369,000 | $6,197,000 |
| Application Withdrawn By Applicant | 103 | $96,090,000 | $932,000 | $5,500,000 | $359,000 | $4,950,000 |
| Application Denied By Financial Institution | 58 | $82,605,000 | $1,424,000 | $5,000,000 | $484,000 | $6,500,000 |
| Application Approved But Not Accepted | 31 | $36,835,000 | $1,188,000 | $3,500,000 | $441,000 | $2,172,000 |
| Preapproval Denied by Financial Institution | 28 | $14,937,000 | $533,000 | $3,000,000 | $102,000 | $452,000 |
| Loan Purchased By The Institution | 8 | $1,183,000 | $147,000 | $179,000 | $36,000 | $48,000 |
| File Closed For Incompleteness | 7 | $5,294,000 | $756,000 | $2,090,000 | $309,000 | $1,040,000 |
| Preapproval Approved but not Accepted | 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 | 43 | $48,365,000 | $1,124,000 | $5,000,000 | $144,000 | $657,000 |
| Collateral | 16 | $27,236,000 | $1,702,000 | $4,875,000 | $1,035,000 | $6,500,000 |
| Credit History | 15 | $9,316,000 | $621,000 | $1,950,000 | $288,000 | $1,500,000 |
| Other | 9 | $8,786,000 | $976,000 | $3,500,000 | $264,000 | $992,000 |
| Unverifiable Information | 3 | $3,839,000 | $1,279,000 | $2,000,000 | $494,000 | $780,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Boston Private Bank & Trust Co's 2016 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 Boston Private Bank & Trust Co'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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