Boston Private Bank & Trust Co Mortgage Lending & HMDA Data, 2014
In 2014, Boston Private Bank & Trust Co of Boston, MA reported 949 mortgage applications totaling $926.9 million, down 38% from 2013. The average application was for $976,731, and applicants reported an average income of $371,737. 77% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Boston, MA (289), Cambridge-Newton-Framingham, MA (217) and San Francisco-Redwood City-South San Francisco, CA (131) (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 | 949 |
| Total Mortgage Loan Application Amount | $926,918,000 |
| Average Mortgage Loan Application Amount | $976,731 |
| Highest Mortgage Loan Application Amount | $22,000,000 |
| Average Applicant Income | $371,737 |
| Highest Applicant Income | $5,729,000 |
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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 162 | $ 145,389,000 | $ 897,462 | $ 416,000 |
| Middlesex, Massachusetts | 146 | $ 118,049,000 | $ 808,554 | $ 327,000 |
| Los Angeles, California | 126 | $ 206,680,000 | $ 1,640,317 | $ 459,000 |
| Norfolk, Massachusetts | 91 | $ 74,413,000 | $ 817,725 | $ 365,000 |
| San Mateo, California | 78 | $ 78,640,000 | $ 1,008,205 | $ 344,000 |
| Essex, Massachusetts | 71 | $ 50,989,000 | $ 718,154 | $ 323,000 |
| San Francisco, California | 53 | $ 33,648,000 | $ 634,867 | $ 152,000 |
| Plymouth, Massachusetts | 36 | $ 22,713,000 | $ 630,916 | $ 305,000 |
| Santa Clara, California | 25 | $ 34,318,000 | $ 1,372,720 | $ 262,000 |
| Barnstable, Massachusetts | 25 | $ 21,697,000 | $ 867,880 | $ 562,000 |
| Marin, California | 11 | $ 17,000,000 | $ 1,545,454 | $ 433,000 |
| Nantucket, Massachusetts | 9 | $ 19,262,000 | $ 2,140,222 | $ 1,363,000 |
| Contra Costa, California | 7 | $ 5,412,000 | $ 773,142 | $ 225,000 |
| Ventura, California | 7 | $ 4,183,000 | $ 597,571 | $ 209,000 |
| Worcester, Massachusetts | 7 | $ 3,211,000 | $ 458,714 | $ 282,000 |
| Dukes, Massachusetts | 6 | $ 5,865,000 | $ 977,500 | $ 684,000 |
| York, Maine | 5 | $ 3,322,000 | $ 664,400 | $ 378,000 |
| Alameda, California | 4 | $ 1,800,000 | $ 450,000 | $ 132,000 |
| Orange, California | 4 | $ 13,940,000 | $ 3,485,000 | $ 202,000 |
| Riverside, California | 4 | $ 7,930,000 | $ 1,982,500 | $ 409,000 |
| San Diego, California | 4 | $ 2,970,000 | $ 742,500 | $ 393,000 |
| Monterey, California | 2 | $ 1,000,000 | $ 500,000 | $ 252,000 |
| Napa, California | 2 | $ 2,142,000 | $ 1,071,000 | $ 567,000 |
| Bristol, Massachusetts | 2 | $ 2,771,000 | $ 1,385,500 | $ 511,000 |
| Belknap, New Hampshire | 2 | $ 500,000 | $ 250,000 | $ 389,000 |
| Merrimack, New Hampshire | 2 | $ 1,586,000 | $ 793,000 | $ 779,000 |
| Newport, Rhode Island | 2 | $ 742,000 | $ 371,000 | $ 44,000 |
| Washington, Rhode Island | 2 | $ 7,100,000 | $ 3,550,000 | $ 2,824,000 |
| Nevada, California | 1 | $ 748,000 | $ 748,000 | $ 638,000 |
| Placer, California | 1 | $ 800,000 | $ 800,000 | $ 198,000 |
| Santa Barbara, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 169,000 |
| Santa Cruz, California | 1 | $ 975,000 | $ 975,000 | $ 449,000 |
| Solano, California | 1 | $ 560,000 | $ 560,000 | $ 141,000 |
| Sonoma, California | 1 | $ 1,170,000 | $ 1,170,000 | $ 495,000 |
| Fairfield, Connecticut | 1 | $ 4,959,000 | $ 4,959,000 | $ 3,102,000 |
| Hancock, Maine | 1 | $ 460,000 | $ 460,000 | $ 1,000,000 |
| Lincoln, Maine | 1 | $ 581,000 | $ 581,000 | $ 295,000 |
| Oxford, Maine | 1 | $ 492,000 | $ 492,000 | $ 430,000 |
| Berkshire, Massachusetts | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,105,000 |
| Hampden, Massachusetts | 1 | $ 576,000 | $ 576,000 | $ 585,000 |
| Rockingham, New Hampshire | 1 | $ 596,000 | $ 596,000 | $ 324,000 |
| Strafford, New Hampshire | 1 | $ 1,470,000 | $ 1,470,000 | $ 0 |
| Kings, New York | 1 | $ 3,600,000 | $ 3,600,000 | $ 0 |
| Providence, Rhode Island | 1 | $ 368,000 | $ 368,000 | $ 127,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Co in 2014
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 | 592 | $464,691,000 | $784,000 | $8,840,000 | $303,000 | $5,672,000 |
| Refinancing | 299 | $381,370,000 | $1,275,000 | $22,000,000 | $475,000 | $5,729,000 |
| Home Improvement | 58 | $80,857,000 | $1,394,000 | $4,100,000 | $541,000 | $3,477,000 |
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 | 687 | $675,236,000 | $982,000 | $20,390,000 | $446,000 | $5,729,000 |
| Asian | 83 | $51,279,000 | $617,000 | $2,625,000 | $212,000 | $2,084,000 |
| Not Provided | 62 | $38,871,000 | $626,000 | $1,840,000 | $263,000 | $2,798,000 |
| Hispanic | 51 | $24,491,000 | $480,000 | $2,150,000 | $160,000 | $761,000 |
| Black or African American | 33 | $10,397,000 | $315,000 | $1,520,000 | $106,000 | $703,000 |
| Not applicable | 32 | $125,744,000 | $3,929,000 | $22,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $900,000 | $900,000 | $900,000 | $360,000 | $360,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 948 | $920,618,000 | $971,000 | $22,000,000 | $370,000 | $5,729,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $6,300,000 | $6,300,000 | $6,300,000 | $2,269,000 | $2,269,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 732 | $734,461,000 | $1,003,000 | $22,000,000 | $386,000 | $5,729,000 |
| Application Withdrawn By Applicant | 79 | $69,668,000 | $881,000 | $6,300,000 | $378,000 | $2,603,000 |
| Application Denied By Financial Institution | 66 | $74,703,000 | $1,131,000 | $4,320,000 | $300,000 | $2,410,000 |
| Preapproval Denied by Financial Institution | 38 | $19,291,000 | $507,000 | $1,671,000 | $126,000 | $576,000 |
| Application Approved But Not Accepted | 25 | $19,680,000 | $787,000 | $1,900,000 | $493,000 | $2,798,000 |
| File Closed For Incompleteness | 9 | $9,115,000 | $1,012,000 | $1,650,000 | $357,000 | $898,000 |
| 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 | 53 | $53,621,000 | $1,011,000 | $4,100,000 | $228,000 | $1,552,000 |
| Credit History | 23 | $14,495,000 | $630,000 | $3,500,000 | $145,000 | $576,000 |
| Collateral | 12 | $11,998,000 | $999,000 | $4,320,000 | $492,000 | $2,410,000 |
| Other | 7 | $5,954,000 | $850,000 | $2,925,000 | $239,000 | $768,000 |
| Unverifiable Information | 5 | $3,988,000 | $797,000 | $1,500,000 | $280,000 | $710,000 |
| Employment History | 2 | $579,000 | $289,000 | $387,000 | $73,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $3,359,000 | $1,679,000 | $3,188,000 | $17,000 | $34,000 |
| 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 2014 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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