Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2004
In 2004, Boston Private Bank & Trust Co of Boston, MA reported 742 mortgage applications totaling $358.0 million, down 2% from 2003. The average application was for $482,489, and applicants reported an average income of $302,493. 78% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Boston-Quincy, MA (525), Cambridge-Newton-Framingham, MA (107) and Essex County, MA (34) (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 | 742 |
| Total Mortgage Loan Application Amount | $358,007,000 |
| Average Mortgage Loan Application Amount | $482,489 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $302,493 |
| Highest Applicant Income | $7,428,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 369 | $ 111,117,000 | $ 301,130 | $ 202,000 |
| Norfolk, Massachusetts | 122 | $ 65,562,000 | $ 537,393 | $ 352,000 |
| Middlesex, Massachusetts | 107 | $ 72,474,000 | $ 677,327 | $ 284,000 |
| Essex, Massachusetts | 34 | $ 27,086,000 | $ 796,647 | $ 376,000 |
| Plymouth, Massachusetts | 34 | $ 24,907,000 | $ 732,558 | $ 217,000 |
| Barnstable, Massachusetts | 24 | $ 21,443,000 | $ 893,458 | $ 340,000 |
| Dukes, Massachusetts | 6 | $ 4,437,000 | $ 739,500 | $ 209,000 |
| Carroll, New Hampshire | 6 | $ 7,269,000 | $ 1,211,500 | $ 640,000 |
| Worcester, Massachusetts | 5 | $ 1,263,000 | $ 252,600 | $ 110,000 |
| Nantucket, Massachusetts | 4 | $ 4,684,000 | $ 1,171,000 | $ 1,132,000 |
| San Mateo, California | 3 | $ 628,000 | $ 209,333 | $ 82,000 |
| Bristol, Massachusetts | 3 | $ 785,000 | $ 261,666 | $ 202,000 |
| Newport, Rhode Island | 3 | $ 2,298,000 | $ 766,000 | $ 1,320,000 |
| Fairfield, Connecticut | 2 | $ 1,970,000 | $ 985,000 | $ 412,000 |
| York, Maine | 2 | $ 988,000 | $ 494,000 | $ 186,000 |
| Kent, Rhode Island | 2 | $ 1,462,000 | $ 731,000 | $ 217,000 |
| Hartford, Connecticut | 1 | $ 350,000 | $ 350,000 | $ 135,000 |
| Indian River, Florida | 1 | $ 338,000 | $ 338,000 | $ 350,000 |
| Oxford, Maine | 1 | $ 124,000 | $ 124,000 | $ 151,000 |
| Berkshire, Massachusetts | 1 | $ 1,400,000 | $ 1,400,000 | $ 400,000 |
| Belknap, New Hampshire | 1 | $ 3,000,000 | $ 3,000,000 | $ 1,391,000 |
| Grafton, New Hampshire | 1 | $ 653,000 | $ 653,000 | $ 1,040,000 |
| Hillsborough, New Hampshire | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Windsor, Vermont | 1 | $ 1,000,000 | $ 1,000,000 | $ 396,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2004
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 | 589 | $250,044,000 | $633,625 | $3,000,000 | $429,875 | $6,735,000 |
| Refinancing | 133 | $95,190,000 | $819,166 | $5,000,000 | $278,000 | $7,428,000 |
| Home Improvement | 20 | $12,773,000 | $645,000 | $1,820,000 | $647,000 | $1,076,000 |
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 | 473 | $268,394,000 | $523,250 | $5,000,000 | $352,625 | $7,428,000 |
| Not Provided | 87 | $60,640,000 | $957,833 | $3,000,000 | $613,500 | $4,696,000 |
| Black or African American | 79 | $13,534,000 | $176,500 | $1,026,000 | $84,000 | $2,520,000 |
| Hispanic | 54 | $7,191,000 | $240,333 | $431,000 | $73,000 | $95,000 |
| Asian | 46 | $7,743,000 | $168,000 | $1,100,000 | $153,000 | $400,000 |
| Not applicable | 2 | $171,000 | $85,000 | $136,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 1 | $334,000 | $334,000 | $334,000 | $150,000 | $150,000 |
| 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) | 742 | $358,007,000 | $607,888 | $5,000,000 | $365,444 | $7,428,000 |
| 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 | 579 | $266,070,000 | $615,666 | $5,000,000 | $351,833 | $7,428,000 |
| Application Withdrawn By Applicant | 85 | $47,999,000 | $896,600 | $2,431,000 | $875,200 | $3,000,000 |
| Application Approved But Not Accepted | 39 | $23,447,000 | $601,000 | $2,925,000 | $437,000 | $6,705,000 |
| Application Denied By Financial Institution | 24 | $11,417,000 | $535,000 | $2,750,000 | $227,500 | $490,000 |
| Preapproval Denied by Financial Institution | 8 | $2,644,000 | $330,000 | $720,000 | $88,000 | $400,000 |
| File Closed For Incompleteness | 7 | $6,430,000 | $918,000 | $2,750,000 | $313,000 | $1,000,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 16 | $5,348,000 | $424,333 | $1,500,000 | $162,000 | $350,000 |
| Credit History | 12 | $4,482,000 | $363,500 | $1,700,000 | $76,000 | $400,000 |
| Employment History | 1 | $840,000 | $840,000 | $840,000 | $330,000 | $330,000 |
| Collateral | 1 | $300,000 | $300,000 | $300,000 | $160,000 | $160,000 |
| Other | 1 | $2,750,000 | $2,750,000 | $2,750,000 | $490,000 | $490,000 |
| Unverifiable Information | 1 | $341,000 | $341,000 | $341,000 | $152,000 | $152,000 |
| Credit Application Incomplete | 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 2004 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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