Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2010
In 2010, Boston Private Bank & Trust Co of Boston, MA reported 1,257 mortgage applications totaling $780.4 million, down 18% from 2009. The average application was for $620,819, and applicants reported an average income of $293,562. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Boston-Quincy, MA (621), Cambridge-Newton-Framingham, MA (316) and Peabody, MA (163) (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 | 1,257 |
| Total Mortgage Loan Application Amount | $780,370,000 |
| Average Mortgage Loan Application Amount | $620,819 |
| Highest Mortgage Loan Application Amount | $23,200,000 |
| Average Applicant Income | $293,562 |
| Highest Applicant Income | $9,999,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 355 | $ 162,398,000 | $ 457,459 | $ 201,000 |
| Middlesex, Massachusetts | 316 | $ 183,234,000 | $ 579,854 | $ 271,000 |
| Norfolk, Massachusetts | 186 | $ 139,441,000 | $ 749,682 | $ 345,000 |
| Essex, Massachusetts | 163 | $ 89,482,000 | $ 548,969 | $ 318,000 |
| Plymouth, Massachusetts | 80 | $ 58,976,000 | $ 737,200 | $ 331,000 |
| Barnstable, Massachusetts | 48 | $ 43,989,000 | $ 916,437 | $ 502,000 |
| Nantucket, Massachusetts | 14 | $ 24,639,000 | $ 1,759,928 | $ 841,000 |
| Dukes, Massachusetts | 10 | $ 7,670,000 | $ 767,000 | $ 290,000 |
| Worcester, Massachusetts | 9 | $ 4,703,000 | $ 522,555 | $ 363,000 |
| York, Maine | 8 | $ 6,344,000 | $ 793,000 | $ 452,000 |
| Bristol, Massachusetts | 5 | $ 24,993,000 | $ 4,998,600 | $ 332,000 |
| Carroll, New Hampshire | 5 | $ 3,280,000 | $ 656,000 | $ 291,000 |
| Newport, Rhode Island | 5 | $ 5,089,000 | $ 1,017,800 | $ 526,000 |
| Rockingham, New Hampshire | 4 | $ 1,132,000 | $ 283,000 | $ 199,000 |
| Cumberland, Maine | 3 | $ 980,000 | $ 326,666 | $ 212,000 |
| Grafton, New Hampshire | 3 | $ 1,615,000 | $ 538,333 | $ 637,000 |
| Fairfield, Connecticut | 2 | $ 3,677,000 | $ 1,838,500 | $ 2,064,000 |
| Knox, Maine | 2 | $ 1,310,000 | $ 655,000 | $ 2,224,000 |
| Hillsborough, New Hampshire | 2 | $ 415,000 | $ 207,500 | $ 157,000 |
| Providence, Rhode Island | 2 | $ 351,000 | $ 175,500 | $ 23,000 |
| Los Angeles, California | 1 | $ 8,350,000 | $ 8,350,000 | $ 3,052,000 |
| Sagadahoc, Maine | 1 | $ 900,000 | $ 900,000 | $ 148,000 |
| Berkshire, Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Strafford, New Hampshire | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Sullivan, New Hampshire | 1 | $ 600,000 | $ 600,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2010
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 | 685 | $318,990,000 | $465,000 | $18,100,000 | $222,000 | $9,999,000 |
| Refinancing | 534 | $425,375,000 | $796,000 | $23,200,000 | $378,000 | $4,744,000 |
| Home Improvement | 38 | $36,005,000 | $947,000 | $4,095,000 | $397,000 | $2,100,000 |
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 | 933 | $616,514,000 | $660,000 | $8,350,000 | $335,000 | $9,999,000 |
| Not Provided | 106 | $54,735,000 | $516,000 | $2,100,000 | $291,000 | $2,980,000 |
| Asian | 89 | $28,638,000 | $321,000 | $3,000,000 | $164,000 | $1,575,000 |
| Hispanic | 60 | $11,261,000 | $187,000 | $2,160,000 | $74,000 | $493,000 |
| Black or African American | 59 | $10,705,000 | $181,000 | $1,160,000 | $96,000 | $912,000 |
| Not applicable | 8 | $55,574,000 | $6,946,000 | $23,200,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $1,593,000 | $1,593,000 | $1,593,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,350,000 | $1,350,000 | $1,350,000 | $275,000 | $275,000 |
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) | 1,257 | $780,370,000 | $620,000 | $23,200,000 | $293,000 | $9,999,000 |
| 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 | 929 | $569,773,000 | $613,000 | $23,200,000 | $294,000 | $9,999,000 |
| Application Withdrawn By Applicant | 126 | $84,770,000 | $672,000 | $8,350,000 | $308,000 | $4,744,000 |
| Application Denied By Financial Institution | 114 | $76,705,000 | $672,000 | $3,500,000 | $305,000 | $2,980,000 |
| Application Approved But Not Accepted | 44 | $31,244,000 | $710,000 | $3,300,000 | $345,000 | $2,100,000 |
| Preapproval Denied by Financial Institution | 30 | $6,135,000 | $204,000 | $1,725,000 | $70,000 | $512,000 |
| File Closed For Incompleteness | 14 | $11,743,000 | $838,000 | $2,700,000 | $329,000 | $738,000 |
| 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 | 49 | $32,650,000 | $666,000 | $3,500,000 | $320,000 | $2,980,000 |
| Credit History | 42 | $13,120,000 | $312,000 | $1,800,000 | $100,000 | $720,000 |
| Collateral | 27 | $22,530,000 | $834,000 | $2,040,000 | $341,000 | $1,819,000 |
| Other | 17 | $10,223,000 | $601,000 | $2,220,000 | $355,000 | $1,706,000 |
| Employment History | 5 | $606,000 | $121,000 | $216,000 | $66,000 | $108,000 |
| Unverifiable Information | 3 | $3,468,000 | $1,156,000 | $2,500,000 | $456,000 | $1,065,000 |
| Mortgage Insurance Denied | 1 | $243,000 | $243,000 | $243,000 | $109,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Boston Private Bank & Trust Co's 2010 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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