Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2003
In 2003, Boston Private Bank & Trust Co of Boston, MA reported 760 mortgage applications totaling $448.1 million. The average application was for $589,636, and applicants reported an average income of $411,701. 79% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Boston, MA-NH (660), Barnstable-Yarmouth, MA (13) and Brockton, MA (6) (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 | 760 |
| Total Mortgage Loan Application Amount | $448,124,000 |
| Average Mortgage Loan Application Amount | $589,636 |
| Highest Mortgage Loan Application Amount | $4,320,000 |
| Average Applicant Income | $411,701 |
| Highest Applicant Income | $7,561,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Suffolk, Massachusetts | 306 | $ 103,728,000 | $ 338,980 | $ 211,000 |
| Middlesex, Massachusetts | 182 | $ 125,736,000 | $ 690,857 | $ 421,000 |
| Norfolk, Massachusetts | 114 | $ 94,519,000 | $ 829,114 | $ 379,000 |
| Essex, Massachusetts | 46 | $ 34,636,000 | $ 752,956 | $ 271,000 |
| Barnstable, Massachusetts | 29 | $ 23,306,000 | $ 803,655 | $ 532,000 |
| Plymouth, Massachusetts | 20 | $ 16,518,000 | $ 825,900 | $ 395,000 |
| Bristol, Massachusetts | 11 | $ 5,796,000 | $ 526,909 | $ 379,000 |
| Nantucket, Massachusetts | 8 | $ 15,185,000 | $ 1,898,125 | $ 2,507,000 |
| Dukes, Massachusetts | 7 | $ 5,083,000 | $ 726,142 | $ 308,000 |
| Worcester, Massachusetts | 7 | $ 2,876,000 | $ 410,857 | $ 202,000 |
| Cumberland, Maine | 3 | $ 2,455,000 | $ 818,333 | $ 2,067,000 |
| Carroll, New Hampshire | 3 | $ 3,413,000 | $ 1,137,666 | $ 970,000 |
| Newport, Rhode Island | 3 | $ 2,825,000 | $ 941,666 | $ 371,000 |
| Knox, Maine | 2 | $ 950,000 | $ 475,000 | $ 1,028,000 |
| York, Maine | 2 | $ 1,050,000 | $ 525,000 | $ 420,000 |
| Belknap, New Hampshire | 2 | $ 868,000 | $ 434,000 | $ 282,000 |
| Hillsborough, New Hampshire | 2 | $ 1,052,000 | $ 526,000 | $ 280,000 |
| Merrimack, New Hampshire | 2 | $ 900,000 | $ 450,000 | $ 198,000 |
| Rockingham, New Hampshire | 2 | $ 759,000 | $ 379,500 | $ 188,000 |
| Kent, Rhode Island | 2 | $ 1,260,000 | $ 630,000 | $ 109,000 |
| Fairfield, Connecticut | 1 | $ 1,950,000 | $ 1,950,000 | $ 842,000 |
| Collier, Florida | 1 | $ 380,000 | $ 380,000 | $ 151,000 |
| Hancock, Maine | 1 | $ 362,000 | $ 362,000 | $ 102,000 |
| Lincoln, Maine | 1 | $ 300,000 | $ 300,000 | $ 115,000 |
| Berkshire, Massachusetts | 1 | $ 1,400,000 | $ 1,400,000 | $ 480,000 |
| Hampshire, Massachusetts | 1 | $ 281,000 | $ 281,000 | $ 78,000 |
| Windham, Vermont | 1 | $ 536,000 | $ 536,000 | $ 1,087,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2003
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 (one-to-four family) | 388 | $151,304,000 | $524,800 | $3,400,000 | $463,600 | $7,561,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 365 | $283,860,000 | $954,400 | $4,200,000 | $655,800 | $7,561,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 7 | $12,960,000 | $1,851,000 | $4,320,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 444 | $275,007,000 | $687,750 | $3,400,000 | $448,250 | $7,561,000 |
| Information not provided by applicant in mail or telephone application | 184 | $136,923,000 | $779,285 | $4,200,000 | $694,571 | $6,218,000 |
| Black | 48 | $6,232,000 | $129,000 | $568,000 | $66,000 | $165,000 |
| Hispanic | 41 | $7,554,000 | $184,000 | $452,000 | $61,000 | $120,000 |
| Asian or Pacific Islander | 24 | $2,130,000 | $88,000 | $391,000 | $54,000 | $125,000 |
| Other | 10 | $5,417,000 | $541,000 | $3,000,000 | $360,000 | $1,000,000 |
| Not applicable | 9 | $14,861,000 | $1,651,000 | $4,320,000 | $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) | 760 | $448,124,000 | $781,714 | $4,320,000 | $604,285 | $7,561,000 |
| 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 | 603 | $349,417,000 | $781,000 | $4,320,000 | $645,428 | $7,561,000 |
| Application Withdrawn By Applicant | 95 | $54,667,000 | $770,750 | $4,200,000 | $349,250 | $7,561,000 |
| Application Approved But Not Accepted | 32 | $24,851,000 | $776,000 | $2,750,000 | $523,000 | $1,747,000 |
| Application Denied By Financial Institution | 20 | $12,713,000 | $635,000 | $2,200,000 | $194,000 | $500,000 |
| File Closed For Incompleteness | 10 | $6,476,000 | $510,000 | $2,000,000 | $400,333 | $815,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $3,570,000 | $595,000 | $1,875,000 | $215,000 | $500,000 |
| Debt-To-Income Ratio | 5 | $5,035,000 | $1,007,000 | $2,200,000 | $199,000 | $341,000 |
| Collateral | 4 | $1,681,000 | $420,000 | $643,000 | $223,000 | $465,000 |
| Other | 3 | $1,117,000 | $372,000 | $513,000 | $110,000 | $237,000 |
| Unverifiable Information | 2 | $1,310,000 | $655,000 | $1,000,000 | $225,000 | $300,000 |
| 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 2003 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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