Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2012
In 2012, Boston Private Bank & Trust Co of Boston, MA reported 1,879 mortgage applications totaling $1.6 billion, up 45% from 2011. The average application was for $825,156, and applicants reported an average income of $359,217. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Boston-Quincy, MA (633), Cambridge-Newton-Framingham, MA (318) and San Francisco-San Mateo-Redwood City, CA (277) (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 | 1,879 |
| Total Mortgage Loan Application Amount | $1,550,470,000 |
| Average Mortgage Loan Application Amount | $825,156 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $359,217 |
| 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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 335 | $ 186,198,000 | $ 555,814 | $ 239,000 |
| Middlesex, Massachusetts | 318 | $ 186,219,000 | $ 585,594 | $ 346,000 |
| Norfolk, Massachusetts | 239 | $ 158,279,000 | $ 662,255 | $ 346,000 |
| San Mateo, California | 207 | $ 212,494,000 | $ 1,026,541 | $ 372,000 |
| Los Angeles, California | 177 | $ 297,466,000 | $ 1,680,598 | $ 590,000 |
| Essex, Massachusetts | 135 | $ 76,241,000 | $ 564,748 | $ 301,000 |
| Santa Clara, California | 84 | $ 80,985,000 | $ 964,107 | $ 325,000 |
| Plymouth, Massachusetts | 59 | $ 34,005,000 | $ 576,355 | $ 270,000 |
| San Francisco, California | 58 | $ 58,058,000 | $ 1,001,000 | $ 352,000 |
| King, Washington | 52 | $ 61,107,000 | $ 1,175,134 | $ 340,000 |
| Barnstable, Massachusetts | 37 | $ 39,012,000 | $ 1,054,378 | $ 666,000 |
| Nantucket, Massachusetts | 14 | $ 21,646,000 | $ 1,546,142 | $ 671,000 |
| Worcester, Massachusetts | 14 | $ 5,935,000 | $ 423,928 | $ 417,000 |
| Contra Costa, California | 12 | $ 8,360,000 | $ 696,666 | $ 254,000 |
| Marin, California | 12 | $ 12,471,000 | $ 1,039,250 | $ 295,000 |
| Alameda, California | 8 | $ 8,774,000 | $ 1,096,750 | $ 235,000 |
| Monterey, California | 7 | $ 9,327,000 | $ 1,332,428 | $ 403,000 |
| Orange, California | 7 | $ 5,965,000 | $ 852,142 | $ 335,000 |
| Newport, Rhode Island | 6 | $ 4,134,000 | $ 689,000 | $ 308,000 |
| San Diego, California | 5 | $ 6,638,000 | $ 1,327,600 | $ 213,000 |
| Bristol, Massachusetts | 5 | $ 3,970,000 | $ 794,000 | $ 516,000 |
| Oxford, Maine | 4 | $ 1,483,000 | $ 370,750 | $ 1,042,000 |
| Dukes, Massachusetts | 4 | $ 4,446,000 | $ 1,111,500 | $ 466,000 |
| Snohomish, Washington | 4 | $ 5,714,000 | $ 1,428,500 | $ 680,000 |
| Sonoma, California | 3 | $ 2,338,000 | $ 779,333 | $ 327,000 |
| York, Maine | 3 | $ 2,566,000 | $ 855,333 | $ 357,000 |
| Berkshire, Massachusetts | 3 | $ 2,624,000 | $ 874,666 | $ 732,000 |
| Carroll, New Hampshire | 3 | $ 2,536,000 | $ 845,333 | $ 625,000 |
| Island, Washington | 3 | $ 2,139,000 | $ 713,000 | $ 389,000 |
| Kittitas, Washington | 3 | $ 1,579,000 | $ 526,333 | $ 718,000 |
| El Dorado, California | 2 | $ 594,000 | $ 297,000 | $ 121,000 |
| Placer, California | 2 | $ 1,093,000 | $ 546,500 | $ 371,000 |
| San Bernardino, California | 2 | $ 1,197,000 | $ 598,500 | $ 120,000 |
| Santa Cruz, California | 2 | $ 1,645,000 | $ 822,500 | $ 197,000 |
| Ventura, California | 2 | $ 3,890,000 | $ 1,945,000 | $ 541,000 |
| Fairfield, Connecticut | 2 | $ 12,500,000 | $ 6,250,000 | $ 3,409,000 |
| Rockingham, New Hampshire | 2 | $ 1,109,000 | $ 554,500 | $ 237,000 |
| Washington, Rhode Island | 2 | $ 1,571,000 | $ 785,500 | $ 306,000 |
| Kitsap, Washington | 2 | $ 3,965,000 | $ 1,982,500 | $ 517,000 |
| Calaveras, California | 1 | $ 208,000 | $ 208,000 | $ 507,000 |
| Mariposa, California | 1 | $ 285,000 | $ 285,000 | $ 707,000 |
| Napa, California | 1 | $ 163,000 | $ 163,000 | $ 51,000 |
| Nevada, California | 1 | $ 785,000 | $ 785,000 | $ 206,000 |
| Leon, Florida | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| Hawaii, Hawaii | 1 | $ 1,500,000 | $ 1,500,000 | $ 822,000 |
| Androscoggin, Maine | 1 | $ 265,000 | $ 265,000 | $ 279,000 |
| Cumberland, Maine | 1 | $ 272,000 | $ 272,000 | $ 321,000 |
| Hancock, Maine | 1 | $ 140,000 | $ 140,000 | $ 114,000 |
| Washoe, Nevada | 1 | $ 2,625,000 | $ 2,625,000 | $ 1,445,000 |
| Grafton, New Hampshire | 1 | $ 148,000 | $ 148,000 | $ 728,000 |
| Sullivan, New Hampshire | 1 | $ 384,000 | $ 384,000 | $ 635,000 |
| Kent, Rhode Island | 1 | $ 240,000 | $ 240,000 | $ 179,000 |
| Providence, Rhode Island | 1 | $ 251,000 | $ 251,000 | $ 59,000 |
| Windsor, Vermont | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,252,000 |
| Clallam, Washington | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Okanogan, Washington | 1 | $ 390,000 | $ 390,000 | $ 271,000 |
| Skagit, Washington | 1 | $ 302,000 | $ 302,000 | $ 90,000 |
| Thurston, Washington | 1 | $ 472,000 | $ 472,000 | $ 128,000 |
| Whatcom, Washington | 1 | $ 350,000 | $ 350,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2012
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 | 1,006 | $964,465,000 | $958,000 | $10,000,000 | $417,000 | $5,497,000 |
| Home Purchase | 831 | $526,883,000 | $634,000 | $7,500,000 | $282,000 | $9,999,000 |
| Home Improvement | 42 | $59,122,000 | $1,407,000 | $4,550,000 | $503,000 | $3,157,000 |
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 | 1,309 | $1,059,845,000 | $809,000 | $7,500,000 | $396,000 | $5,497,000 |
| Not Provided | 274 | $265,368,000 | $968,000 | $7,000,000 | $373,000 | $9,999,000 |
| Asian | 100 | $68,191,000 | $681,000 | $3,360,000 | $258,000 | $2,049,000 |
| Hispanic | 87 | $35,557,000 | $408,000 | $5,000,000 | $161,000 | $1,565,000 |
| Black or African American | 57 | $16,915,000 | $296,000 | $1,850,000 | $221,000 | $3,246,000 |
| Not applicable | 49 | $100,139,000 | $2,043,000 | $10,000,000 | $8,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $4,455,000 | $1,485,000 | $3,750,000 | $480,000 | $1,181,000 |
| 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) | 1,879 | $1,550,470,000 | $825,000 | $10,000,000 | $359,000 | $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 | 1,489 | $1,202,542,000 | $807,000 | $10,000,000 | $353,000 | $4,700,000 |
| Application Withdrawn By Applicant | 191 | $177,670,000 | $930,000 | $7,500,000 | $457,000 | $9,999,000 |
| Application Denied By Financial Institution | 112 | $102,713,000 | $917,000 | $7,000,000 | $345,000 | $3,765,000 |
| Application Approved But Not Accepted | 46 | $47,028,000 | $1,022,000 | $6,500,000 | $330,000 | $1,453,000 |
| Preapproval Denied by Financial Institution | 20 | $7,367,000 | $368,000 | $1,100,000 | $120,000 | $374,000 |
| File Closed For Incompleteness | 15 | $12,193,000 | $812,000 | $2,415,000 | $426,000 | $2,252,000 |
| Loan Purchased By The Institution | 6 | $957,000 | $159,000 | $198,000 | $66,000 | $129,000 |
| 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 | $40,783,000 | $832,000 | $3,500,000 | $204,000 | $1,647,000 |
| Collateral | 35 | $39,291,000 | $1,122,000 | $7,000,000 | $578,000 | $3,765,000 |
| Credit History | 24 | $14,301,000 | $595,000 | $2,275,000 | $242,000 | $1,500,000 |
| Other | 11 | $7,627,000 | $693,000 | $2,625,000 | $270,000 | $1,445,000 |
| Employment History | 8 | $6,093,000 | $761,000 | $3,727,000 | $183,000 | $617,000 |
| Unverifiable Information | 3 | $1,600,000 | $533,000 | $880,000 | $162,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $385,000 | $192,000 | $217,000 | $42,000 | $85,000 |
| Mortgage Insurance Denied | 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 2012 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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