Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2009
In 2009, Boston Private Bank & Trust Co of Boston, MA reported 1,539 mortgage applications totaling $743.7 million, up 52% from 2008. The average application was for $483,248, and applicants reported an average income of $259,922. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Boston-Quincy, MA (719), Cambridge-Newton-Framingham, MA (401) and Peabody, MA (201) (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 | 1,539 |
| Total Mortgage Loan Application Amount | $743,720,000 |
| Average Mortgage Loan Application Amount | $483,248 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $259,922 |
| Highest Applicant Income | $6,196,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Middlesex, Massachusetts | 401 | $ 169,957,000 | $ 423,832 | $ 239,000 |
| Suffolk, Massachusetts | 385 | $ 151,964,000 | $ 394,711 | $ 192,000 |
| Norfolk, Massachusetts | 225 | $ 129,341,000 | $ 574,848 | $ 316,000 |
| Essex, Massachusetts | 201 | $ 87,420,000 | $ 434,925 | $ 230,000 |
| Plymouth, Massachusetts | 109 | $ 60,773,000 | $ 557,550 | $ 319,000 |
| Barnstable, Massachusetts | 61 | $ 51,675,000 | $ 847,131 | $ 560,000 |
| Worcester, Massachusetts | 28 | $ 10,204,000 | $ 364,428 | $ 141,000 |
| Dukes, Massachusetts | 18 | $ 14,271,000 | $ 792,833 | $ 662,000 |
| Nantucket, Massachusetts | 11 | $ 19,948,000 | $ 1,813,454 | $ 625,000 |
| York, Maine | 8 | $ 3,622,000 | $ 452,750 | $ 195,000 |
| Belknap, New Hampshire | 6 | $ 1,628,000 | $ 271,333 | $ 288,000 |
| Carroll, New Hampshire | 5 | $ 1,986,000 | $ 397,200 | $ 286,000 |
| Rockingham, New Hampshire | 5 | $ 1,030,000 | $ 206,000 | $ 263,000 |
| Newport, Rhode Island | 5 | $ 3,889,000 | $ 777,800 | $ 500,000 |
| Washington, Rhode Island | 5 | $ 3,897,000 | $ 779,400 | $ 390,000 |
| Berkshire, Massachusetts | 4 | $ 1,869,000 | $ 467,250 | $ 422,000 |
| Bristol, Massachusetts | 4 | $ 11,040,000 | $ 2,760,000 | $ 99,000 |
| Fairfield, Connecticut | 3 | $ 1,627,000 | $ 542,333 | $ 192,000 |
| Hancock, Maine | 3 | $ 3,627,000 | $ 1,209,000 | $ 335,000 |
| Oxford, Maine | 3 | $ 775,000 | $ 258,333 | $ 118,000 |
| Windsor, Vermont | 3 | $ 1,032,000 | $ 344,000 | $ 347,000 |
| Cumberland, Maine | 2 | $ 1,817,000 | $ 908,500 | $ 286,000 |
| Grafton, New Hampshire | 2 | $ 514,000 | $ 257,000 | $ 216,000 |
| Hillsborough, New Hampshire | 2 | $ 415,000 | $ 207,500 | $ 54,000 |
| Sullivan, New Hampshire | 2 | $ 564,000 | $ 282,000 | $ 177,000 |
| Providence, Rhode Island | 2 | $ 546,000 | $ 273,000 | $ 103,000 |
| Hartford, Connecticut | 1 | $ 162,000 | $ 162,000 | $ 70,000 |
| New Haven, Connecticut | 1 | $ 417,000 | $ 417,000 | $ 216,000 |
| Monroe, Florida | 1 | $ 950,000 | $ 950,000 | $ 334,000 |
| Androscoggin, Maine | 1 | $ 279,000 | $ 279,000 | $ 214,000 |
| Franklin, Maine | 1 | $ 196,000 | $ 196,000 | $ 500,000 |
| Kennebec, Maine | 1 | $ 160,000 | $ 160,000 | $ 313,000 |
| Lincoln, Maine | 1 | $ 288,000 | $ 288,000 | $ 1,000 |
| Hampshire, Massachusetts | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Cheshire, New Hampshire | 1 | $ 320,000 | $ 320,000 | $ 477,000 |
| Merrimack, New Hampshire | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Windham, Vermont | 1 | $ 417,000 | $ 417,000 | $ 538,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 782 | $463,430,000 | $592,000 | $10,000,000 | $327,000 | $5,000,000 |
| Home Purchase | 708 | $231,540,000 | $327,000 | $2,850,000 | $176,000 | $6,196,000 |
| Home Improvement | 49 | $48,750,000 | $994,000 | $5,700,000 | $402,000 | $2,383,000 |
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 | 1,073 | $557,152,000 | $519,000 | $7,100,000 | $297,000 | $6,196,000 |
| Not Provided | 233 | $108,667,000 | $466,000 | $4,925,000 | $249,000 | $1,915,000 |
| Asian | 104 | $32,493,000 | $312,000 | $3,000,000 | $122,000 | $875,000 |
| Black or African American | 63 | $11,311,000 | $179,000 | $1,463,000 | $95,000 | $1,331,000 |
| Hispanic | 49 | $10,153,000 | $207,000 | $1,560,000 | $82,000 | $600,000 |
| Not applicable | 13 | $22,745,000 | $1,749,000 | $10,000,000 | $34,000 | $448,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $884,000 | $294,000 | $417,000 | $132,000 | $248,000 |
| American Indian or Alaskan Native | 1 | $315,000 | $315,000 | $315,000 | $81,000 | $81,000 |
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) | 1,537 | $743,101,000 | $483,000 | $10,000,000 | $260,000 | $6,196,000 |
| FHA-insured (Federal Housing Administration) | 2 | $619,000 | $309,000 | $327,000 | $144,000 | $148,000 |
| 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 | 1,217 | $562,615,000 | $462,000 | $10,000,000 | $260,000 | $6,196,000 |
| Application Withdrawn By Applicant | 111 | $68,546,000 | $617,000 | $7,000,000 | $348,000 | $3,347,000 |
| Application Denied By Financial Institution | 99 | $64,650,000 | $653,000 | $5,700,000 | $260,000 | $2,383,000 |
| Application Approved But Not Accepted | 71 | $33,543,000 | $472,000 | $3,450,000 | $201,000 | $1,499,000 |
| Preapproval Denied by Financial Institution | 24 | $4,178,000 | $174,000 | $620,000 | $53,000 | $145,000 |
| File Closed For Incompleteness | 17 | $10,188,000 | $599,000 | $2,500,000 | $203,000 | $985,000 |
| 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 | 34 | $21,468,000 | $631,000 | $3,200,000 | $175,000 | $788,000 |
| Collateral | 30 | $21,088,000 | $702,000 | $4,600,000 | $386,000 | $1,409,000 |
| Credit History | 26 | $9,970,000 | $383,000 | $2,000,000 | $126,000 | $1,000,000 |
| Other | 18 | $5,641,000 | $313,000 | $1,750,000 | $109,000 | $300,000 |
| Employment History | 5 | $673,000 | $134,000 | $350,000 | $57,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $8,685,000 | $2,171,000 | $5,700,000 | $887,000 | $2,383,000 |
| Unverifiable Information | 2 | $142,000 | $71,000 | $104,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 1 | $291,000 | $291,000 | $291,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Boston Private Bank & Trust Co's 2009 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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