Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2013
In 2013, Boston Private Bank & Trust Co of Boston, MA reported 1,528 mortgage applications totaling $1.3 billion, down 19% from 2012. The average application was for $869,540, and applicants reported an average income of $341,924. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Boston-Quincy, MA (503), Cambridge-Newton-Framingham, MA (259) and San Francisco-San Mateo-Redwood City, CA (223) (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 | 1,528 |
| Total Mortgage Loan Application Amount | $1,328,658,000 |
| Average Mortgage Loan Application Amount | $869,540 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $341,924 |
| Highest Applicant Income | $9,061,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 276 | $ 162,615,000 | $ 589,184 | $ 256,000 |
| Middlesex, Massachusetts | 259 | $ 158,529,000 | $ 612,081 | $ 254,000 |
| Norfolk, Massachusetts | 182 | $ 149,618,000 | $ 822,076 | $ 377,000 |
| San Mateo, California | 172 | $ 176,771,000 | $ 1,027,738 | $ 318,000 |
| Los Angeles, California | 167 | $ 277,965,000 | $ 1,664,461 | $ 531,000 |
| Essex, Massachusetts | 102 | $ 58,468,000 | $ 573,215 | $ 236,000 |
| Santa Clara, California | 59 | $ 61,388,000 | $ 1,040,474 | $ 313,000 |
| Plymouth, Massachusetts | 45 | $ 25,725,000 | $ 571,666 | $ 304,000 |
| Barnstable, Massachusetts | 37 | $ 35,060,000 | $ 947,567 | $ 465,000 |
| San Francisco, California | 36 | $ 41,331,000 | $ 1,148,083 | $ 212,000 |
| King, Washington | 34 | $ 33,146,000 | $ 974,882 | $ 350,000 |
| Marin, California | 15 | $ 17,671,000 | $ 1,178,066 | $ 335,000 |
| Alameda, California | 13 | $ 10,469,000 | $ 805,307 | $ 270,000 |
| Nantucket, Massachusetts | 10 | $ 19,081,000 | $ 1,908,100 | $ 1,489,000 |
| Worcester, Massachusetts | 8 | $ 5,362,000 | $ 670,250 | $ 291,000 |
| Contra Costa, California | 7 | $ 5,246,000 | $ 749,428 | $ 191,000 |
| Bristol, Massachusetts | 7 | $ 4,699,000 | $ 671,285 | $ 735,000 |
| Orange, California | 6 | $ 6,631,000 | $ 1,105,166 | $ 401,000 |
| Dukes, Massachusetts | 6 | $ 6,273,000 | $ 1,045,500 | $ 422,000 |
| Rockingham, New Hampshire | 6 | $ 2,626,000 | $ 437,666 | $ 757,000 |
| Ventura, California | 5 | $ 2,913,000 | $ 582,600 | $ 128,000 |
| Cumberland, Maine | 5 | $ 7,503,000 | $ 1,500,600 | $ 649,000 |
| San Diego, California | 4 | $ 5,035,000 | $ 1,258,750 | $ 237,000 |
| Carroll, New Hampshire | 4 | $ 4,324,000 | $ 1,081,000 | $ 1,463,000 |
| York, Maine | 3 | $ 1,584,000 | $ 528,000 | $ 828,000 |
| Berkshire, Massachusetts | 3 | $ 1,710,000 | $ 570,000 | $ 1,140,000 |
| Grafton, New Hampshire | 3 | $ 1,217,000 | $ 405,666 | $ 1,092,000 |
| Napa, California | 2 | $ 1,850,000 | $ 925,000 | $ 555,000 |
| Nevada, California | 2 | $ 1,448,000 | $ 724,000 | $ 523,000 |
| Riverside, California | 2 | $ 7,118,000 | $ 3,559,000 | $ 1,887,000 |
| Sonoma, California | 2 | $ 2,356,000 | $ 1,178,000 | $ 257,000 |
| Fairfield, Connecticut | 2 | $ 3,518,000 | $ 1,759,000 | $ 672,000 |
| Sullivan, New Hampshire | 2 | $ 635,000 | $ 317,500 | $ 319,000 |
| Bristol, Rhode Island | 2 | $ 2,764,000 | $ 1,382,000 | $ 964,000 |
| Newport, Rhode Island | 2 | $ 495,000 | $ 247,500 | $ 179,000 |
| Washington, Rhode Island | 2 | $ 1,250,000 | $ 625,000 | $ 128,000 |
| Snohomish, Washington | 2 | $ 531,000 | $ 265,500 | $ 419,000 |
| Mendocino, California | 1 | $ 321,000 | $ 321,000 | $ 145,000 |
| Sacramento, California | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| San Luis Obispo, California | 1 | $ 2,250,000 | $ 2,250,000 | $ 555,000 |
| Santa Cruz, California | 1 | $ 580,000 | $ 580,000 | $ 440,000 |
| Knox, Maine | 1 | $ 360,000 | $ 360,000 | $ 210,000 |
| Oxford, Maine | 1 | $ 188,000 | $ 188,000 | $ 89,000 |
| Sagadahoc, Maine | 1 | $ 411,000 | $ 411,000 | $ 188,000 |
| Franklin, Massachusetts | 1 | $ 200,000 | $ 200,000 | $ 204,000 |
| Hampden, Massachusetts | 1 | $ 230,000 | $ 230,000 | $ 158,000 |
| Belknap, New Hampshire | 1 | $ 270,000 | $ 270,000 | $ 434,000 |
| Hillsborough, New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 351,000 |
| Kent, Rhode Island | 1 | $ 657,000 | $ 657,000 | $ 573,000 |
| Providence, Rhode Island | 1 | $ 695,000 | $ 695,000 | $ 320,000 |
| Windsor, Vermont | 1 | $ 1,744,000 | $ 1,744,000 | $ 815,000 |
| Grays Harbor, Washington | 1 | $ 417,000 | $ 417,000 | $ 260,000 |
| Kitsap, Washington | 1 | $ 775,000 | $ 775,000 | $ 622,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2013
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 | 795 | $589,794,000 | $741,000 | $10,000,000 | $293,000 | $9,061,000 |
| Refinancing | 653 | $624,815,000 | $956,000 | $10,000,000 | $382,000 | $3,630,000 |
| Home Improvement | 80 | $114,049,000 | $1,425,000 | $10,000,000 | $501,000 | $4,465,000 |
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 | 1,113 | $1,018,207,000 | $914,000 | $10,000,000 | $394,000 | $9,061,000 |
| Not Provided | 150 | $123,704,000 | $824,000 | $5,000,000 | $289,000 | $2,783,000 |
| Asian | 109 | $71,155,000 | $652,000 | $3,000,000 | $225,000 | $2,362,000 |
| Hispanic | 86 | $24,930,000 | $289,000 | $1,360,000 | $104,000 | $446,000 |
| Black or African American | 40 | $16,660,000 | $416,000 | $4,875,000 | $152,000 | $1,113,000 |
| Not applicable | 27 | $73,257,000 | $2,713,000 | $10,000,000 | $36,000 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $119,000 | $59,000 | $89,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $626,000 | $626,000 | $626,000 | $155,000 | $155,000 |
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) | 1,528 | $1,328,658,000 | $869,000 | $10,000,000 | $342,000 | $9,061,000 |
| 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 | 1,189 | $971,241,000 | $816,000 | $10,000,000 | $322,000 | $9,061,000 |
| Application Withdrawn By Applicant | 146 | $175,797,000 | $1,204,000 | $10,000,000 | $509,000 | $5,202,000 |
| Application Denied By Financial Institution | 119 | $126,945,000 | $1,066,000 | $9,450,000 | $359,000 | $3,630,000 |
| Application Approved But Not Accepted | 37 | $30,816,000 | $832,000 | $3,000,000 | $342,000 | $2,331,000 |
| Preapproval Denied by Financial Institution | 18 | $12,485,000 | $693,000 | $1,800,000 | $165,000 | $758,000 |
| File Closed For Incompleteness | 10 | $10,074,000 | $1,007,000 | $3,220,000 | $738,000 | $3,293,000 |
| Loan Purchased By The Institution | 9 | $1,300,000 | $144,000 | $276,000 | $40,000 | $51,000 |
| 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 | 66 | $73,291,000 | $1,110,000 | $6,600,000 | $317,000 | $3,630,000 |
| Collateral | 31 | $33,262,000 | $1,072,000 | $9,450,000 | $371,000 | $1,659,000 |
| Credit History | 21 | $18,913,000 | $900,000 | $3,445,000 | $377,000 | $1,049,000 |
| Other | 11 | $8,884,000 | $807,000 | $3,000,000 | $322,000 | $1,412,000 |
| Unverifiable Information | 3 | $1,811,000 | $603,000 | $960,000 | $142,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $589,000 | $294,000 | $443,000 | $107,000 | $150,000 |
| Employment History | 1 | $1,200,000 | $1,200,000 | $1,200,000 | $300,000 | $300,000 |
| Credit Application Incomplete | 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 2013 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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