Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2006
In 2006, Boston Private Bank & Trust Co of Boston, MA reported 922 mortgage applications totaling $359.7 million, up 37% from 2005. The average application was for $390,175, and applicants reported an average income of $199,596. 84% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Boston-Quincy, MA (540), Cambridge-Newton-Framingham, MA (206) and Essex County, MA (83) (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 | 922 |
| Total Mortgage Loan Application Amount | $359,742,000 |
| Average Mortgage Loan Application Amount | $390,175 |
| Highest Mortgage Loan Application Amount | $7,500,000 |
| Average Applicant Income | $199,596 |
| Highest Applicant Income | $5,363,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 364 | $ 71,086,000 | $ 195,291 | $ 96,000 |
| Middlesex, Massachusetts | 206 | $ 90,561,000 | $ 439,616 | $ 236,000 |
| Norfolk, Massachusetts | 137 | $ 62,760,000 | $ 458,102 | $ 211,000 |
| Essex, Massachusetts | 83 | $ 44,018,000 | $ 530,337 | $ 259,000 |
| Plymouth, Massachusetts | 39 | $ 24,204,000 | $ 620,615 | $ 217,000 |
| San Mateo, California | 19 | $ 8,123,000 | $ 427,526 | $ 173,000 |
| Barnstable, Massachusetts | 19 | $ 16,676,000 | $ 877,684 | $ 495,000 |
| Berkshire, Massachusetts | 5 | $ 3,701,000 | $ 740,200 | $ 407,000 |
| Rockingham, New Hampshire | 5 | $ 1,124,000 | $ 224,800 | $ 157,000 |
| San Francisco, California | 4 | $ 1,414,000 | $ 353,500 | $ 259,000 |
| Bristol, Massachusetts | 4 | $ 1,881,000 | $ 470,250 | $ 119,000 |
| Santa Clara, California | 3 | $ 2,190,000 | $ 730,000 | $ 79,000 |
| Dukes, Massachusetts | 3 | $ 3,362,000 | $ 1,120,666 | $ 542,000 |
| Carroll, New Hampshire | 3 | $ 1,949,000 | $ 649,666 | $ 314,000 |
| Washington, Rhode Island | 3 | $ 5,840,000 | $ 1,946,666 | $ 2,841,000 |
| Fairfield, Connecticut | 2 | $ 6,000,000 | $ 3,000,000 | $ 3,504,000 |
| Palm Beach, Florida | 2 | $ 1,800,000 | $ 900,000 | $ 742,000 |
| Nantucket, Massachusetts | 2 | $ 4,385,000 | $ 2,192,500 | $ 532,000 |
| Newport, Rhode Island | 2 | $ 1,482,000 | $ 741,000 | $ 501,000 |
| Butte, California | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Mendocino, California | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Sacramento, California | 1 | $ 380,000 | $ 380,000 | $ 156,000 |
| Shasta, California | 1 | $ 300,000 | $ 300,000 | $ 240,000 |
| Collier, Florida | 1 | $ 657,000 | $ 657,000 | $ 315,000 |
| Lee, Florida | 1 | $ 1,000,000 | $ 1,000,000 | $ 735,000 |
| Miami-Dade, Florida | 1 | $ 384,000 | $ 384,000 | $ 271,000 |
| Volusia, Florida | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Cumberland, Maine | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hancock, Maine | 1 | $ 213,000 | $ 213,000 | $ 249,000 |
| Knox, Maine | 1 | $ 417,000 | $ 417,000 | $ 0 |
| York, Maine | 1 | $ 940,000 | $ 940,000 | $ 226,000 |
| Worcester, Massachusetts | 1 | $ 300,000 | $ 300,000 | $ 110,000 |
| Windham, Vermont | 1 | $ 485,000 | $ 485,000 | $ 217,000 |
| Windsor, Vermont | 1 | $ 1,040,000 | $ 1,040,000 | $ 491,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2006
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 | 770 | $263,114,000 | $341,000 | $7,500,000 | $178,000 | $5,363,000 |
| Refinancing | 140 | $85,115,000 | $607,000 | $3,200,000 | $303,000 | $4,256,000 |
| Home Improvement | 12 | $11,513,000 | $959,000 | $2,390,000 | $379,000 | $988,000 |
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 | 529 | $259,843,000 | $491,000 | $7,500,000 | $257,000 | $5,363,000 |
| Not Provided | 122 | $67,440,000 | $552,000 | $3,200,000 | $264,000 | $2,035,000 |
| Hispanic | 108 | $13,450,000 | $124,000 | $994,000 | $62,000 | $852,000 |
| Black or African American | 101 | $9,874,000 | $97,000 | $648,000 | $54,000 | $175,000 |
| Asian | 59 | $8,820,000 | $149,000 | $1,230,000 | $60,000 | $419,000 |
| American Indian or Alaskan Native | 2 | $174,000 | $87,000 | $138,000 | $43,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $141,000 | $141,000 | $141,000 | $62,000 | $62,000 |
| Not applicable | 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) | 922 | $359,742,000 | $390,000 | $7,500,000 | $200,000 | $5,363,000 |
| 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 | 776 | $305,908,000 | $394,000 | $7,500,000 | $206,000 | $5,363,000 |
| Application Approved But Not Accepted | 68 | $29,600,000 | $435,000 | $3,000,000 | $247,000 | $1,755,000 |
| Application Withdrawn By Applicant | 54 | $16,073,000 | $297,000 | $2,500,000 | $106,000 | $632,000 |
| Application Denied By Financial Institution | 22 | $8,112,000 | $368,000 | $2,100,000 | $82,000 | $240,000 |
| File Closed For Incompleteness | 2 | $49,000 | $24,000 | $29,000 | $32,000 | $32,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 10 | $1,688,000 | $168,000 | $485,000 | $53,000 | $111,000 |
| Debt-To-Income Ratio | 5 | $4,217,000 | $843,000 | $2,100,000 | $123,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $919,000 | $306,000 | $875,000 | $62,000 | $129,000 |
| Other | 3 | $1,147,000 | $382,000 | $871,000 | $137,000 | $240,000 |
| Employment History | 1 | $141,000 | $141,000 | $141,000 | $62,000 | $62,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2006 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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