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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boston-Quincy, MA | 633 | $ 378,482,000 | $ 597,917 | $ 282,000 |
| Cambridge-Newton-Framingham, MA | 318 | $ 186,219,000 | $ 585,594 | $ 346,000 |
| San Francisco-San Mateo-Redwood City, CA | 277 | $ 283,023,000 | $ 1,021,743 | $ 364,000 |
| Los Angeles-Long Beach-Glendale, CA | 177 | $ 297,466,000 | $ 1,680,598 | $ 590,000 |
| Peabody, MA | 135 | $ 76,241,000 | $ 564,748 | $ 301,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 84 | $ 80,985,000 | $ 964,107 | $ 325,000 |
| Seattle-Bellevue-Everett, WA | 56 | $ 66,821,000 | $ 1,193,232 | $ 364,000 |
| Barnstable Town, MA | 37 | $ 39,012,000 | $ 1,054,378 | $ 666,000 |
| Oakland-Fremont-Hayward, CA | 20 | $ 17,134,000 | $ 856,700 | $ 246,000 |
| Providence-New Bedford-Fall River, RI-MA | 15 | $ 10,166,000 | $ 677,733 | $ 352,000 |
| Worcester, MA | 14 | $ 5,935,000 | $ 423,928 | $ 417,000 |
| Salinas, CA | 7 | $ 9,327,000 | $ 1,332,428 | $ 403,000 |
| Santa Ana-Anaheim-Irvine, CA | 7 | $ 5,965,000 | $ 852,142 | $ 335,000 |
| San Diego-Carlsbad-San Marcos, CA | 5 | $ 6,638,000 | $ 1,327,600 | $ 213,000 |
| Portland-South Portland-Biddeford, ME | 4 | $ 2,838,000 | $ 709,500 | $ 348,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 1,687,000 | $ 421,750 | $ 246,000 |
| Pittsfield, MA | 3 | $ 2,624,000 | $ 874,666 | $ 732,000 |
| Santa Rosa-Petaluma, CA | 3 | $ 2,338,000 | $ 779,333 | $ 327,000 |
| Bremerton-Silverdale, WA | 2 | $ 3,965,000 | $ 1,982,500 | $ 517,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 12,500,000 | $ 6,250,000 | $ 3,409,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 3,890,000 | $ 1,945,000 | $ 541,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,197,000 | $ 598,500 | $ 120,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,109,000 | $ 554,500 | $ 237,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,645,000 | $ 822,500 | $ 197,000 |
| Bellingham, WA | 1 | $ 350,000 | $ 350,000 | $ 74,000 |
| Lewiston-Auburn, ME | 1 | $ 265,000 | $ 265,000 | $ 279,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 302,000 | $ 302,000 | $ 90,000 |
| Napa, CA | 1 | $ 163,000 | $ 163,000 | $ 51,000 |
| Olympia, WA | 1 | $ 472,000 | $ 472,000 | $ 128,000 |
| Reno-Sparks, NV | 1 | $ 2,625,000 | $ 2,625,000 | $ 1,445,000 |
| Tallahassee, FL | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
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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