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records Boston Private Bank & Trust Co filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boston, MA | 289 | $ 242,515,000 | $ 839,152 | $ 386,000 |
| Cambridge-Newton-Framingham, MA | 217 | $ 169,038,000 | $ 778,976 | $ 326,000 |
| San Francisco-Redwood City-South San Francisco, CA | 131 | $ 112,288,000 | $ 857,160 | $ 266,000 |
| Los Angeles-Long Beach-Glendale, CA | 126 | $ 206,680,000 | $ 1,640,317 | $ 459,000 |
| Barnstable Town, MA | 25 | $ 21,697,000 | $ 867,880 | $ 562,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 25 | $ 34,318,000 | $ 1,372,720 | $ 262,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 7,212,000 | $ 655,636 | $ 191,000 |
| San Rafael, CA | 11 | $ 17,000,000 | $ 1,545,454 | $ 433,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 7 | $ 4,183,000 | $ 597,571 | $ 209,000 |
| Providence-Warwick, RI-MA | 7 | $ 10,981,000 | $ 1,568,714 | $ 983,142 |
| Worcester, MA-CT | 7 | $ 3,211,000 | $ 458,714 | $ 282,000 |
| Portland-South Portland, ME | 5 | $ 3,322,000 | $ 664,400 | $ 378,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 13,940,000 | $ 3,485,000 | $ 202,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 7,930,000 | $ 1,982,500 | $ 409,000 |
| San Diego-Carlsbad, CA | 4 | $ 2,970,000 | $ 742,500 | $ 393,000 |
| Napa, CA | 2 | $ 2,142,000 | $ 1,071,000 | $ 567,000 |
| Rockingham County-Strafford County, NH | 2 | $ 2,066,000 | $ 1,033,000 | $ 162,000 |
| Salinas, CA | 2 | $ 1,000,000 | $ 500,000 | $ 252,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 4,959,000 | $ 4,959,000 | $ 3,102,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 3,600,000 | $ 3,600,000 | $ 0 |
| Pittsfield, MA | 1 | $ 2,000,000 | $ 2,000,000 | $ 1,105,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 800,000 | $ 800,000 | $ 198,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 975,000 | $ 975,000 | $ 449,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 169,000 |
| Santa Rosa, CA | 1 | $ 1,170,000 | $ 1,170,000 | $ 495,000 |
| Springfield, MA | 1 | $ 576,000 | $ 576,000 | $ 585,000 |
| Vallejo-Fairfield, CA | 1 | $ 560,000 | $ 560,000 | $ 141,000 |
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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