Boston Private Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Boston Private Bank & Trust Company of Boston, MA reported 1,239 mortgage applications totaling $1.3 billion, down 19% from 2018. The average application was for $1,019,148, and applicants reported an average income of $377,939. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Boston, MA (333), Los Angeles-Long Beach-Glendale, CA (289) and Cambridge-Newton-Framingham, MA (198) (applications in parentheses).
| Mortgage Company & Address | Boston Private Bank & Trust Company Ten Post Office Square Boston, MA 02109 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 1,239 |
| Total Mortgage Loan Application Amount | $1,262,725,000 |
| Average Mortgage Loan Application Amount | $1,019,148 |
| Highest Mortgage Loan Application Amount | $27,005,000 |
| Average Applicant Income | $377,939 |
| Highest Applicant Income | $8,621,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Boston Private Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 333 | $ 320,135,000 | $ 961,366 | $ 413,000 |
| Los Angeles-Long Beach-Glendale, CA | 289 | $ 315,655,000 | $ 1,092,231 | $ 374,000 |
| Cambridge-Newton-Framingham, MA | 198 | $ 149,510,000 | $ 755,101 | $ 285,000 |
| San Francisco-Redwood City-South San Francisco, CA | 119 | $ 163,325,000 | $ 1,372,478 | $ 315,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 111 | $ 75,605,000 | $ 681,126 | $ 157,000 |
| Outside any metro area | 31 | $ 53,455,000 | $ 1,724,354 | $ 719,866 |
| Barnstable Town, MA | 26 | $ 31,810,000 | $ 1,223,461 | $ 840,000 |
| Oakland-Hayward-Berkeley, CA | 23 | $ 41,605,000 | $ 1,808,913 | $ 221,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 18,335,000 | $ 1,410,384 | $ 499,000 |
| Riverside-San Bernardino-Ontario, CA | 12 | $ 18,930,000 | $ 1,577,500 | $ 848,000 |
| Providence-Warwick, RI-MA | 9 | $ 10,315,000 | $ 1,146,111 | $ 464,000 |
| San Rafael, CA | 8 | $ 14,010,000 | $ 1,751,250 | $ 824,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 7 | $ 6,735,000 | $ 962,142 | $ 456,000 |
| Salinas, CA | 7 | $ 4,155,000 | $ 593,571 | $ 269,000 |
| Worcester, MA-CT | 7 | $ 3,025,000 | $ 432,142 | $ 85,000 |
| San Diego-Carlsbad, CA | 6 | $ 6,400,000 | $ 1,066,666 | $ 373,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 4,170,000 | $ 695,000 | $ 612,000 |
| Portland-South Portland, ME | 5 | $ 2,985,000 | $ 597,000 | $ 323,000 |
| Rockingham County-Strafford County, NH | 4 | $ 1,630,000 | $ 407,500 | $ 854,000 |
| Manchester-Nashua, NH | 3 | $ 895,000 | $ 298,333 | $ 436,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 2,480,000 | $ 1,240,000 | $ 406,000 |
| Napa, CA | 2 | $ 4,710,000 | $ 2,355,000 | $ 614,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,010,000 | $ 505,000 | $ 538,000 |
| Pittsfield, MA | 2 | $ 3,010,000 | $ 1,505,000 | $ 753,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,060,000 | $ 530,000 | $ 587,000 |
| Sebastian-Vero Beach, FL | 2 | $ 2,850,000 | $ 1,425,000 | $ 445,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 555,000 | $ 555,000 | $ 357,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 59,000 |
| Modesto, CA | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 755,000 | $ 755,000 | $ 190,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 905,000 | $ 905,000 | $ 172,000 |
| Springfield, MA | 1 | $ 255,000 | $ 255,000 | $ 202,000 |
| Stockton-Lodi, CA | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Vallejo-Fairfield, CA | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Yuba City, CA | 1 | $ 905,000 | $ 905,000 | $ 611,000 |
Mortgage Loan Application Detail Totals for Boston Private Bank & Trust Company in 2019
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 | 707 | $540,045,000 | $763,000 | $18,105,000 | $279,000 | $8,621,000 |
| Refinancing | 466 | $632,670,000 | $1,357,000 | $27,005,000 | $501,000 | $5,263,000 |
| Other Purpose | 31 | $39,685,000 | $1,280,000 | $5,005,000 | $665,000 | $4,580,000 |
| Cash-out Refinancing | 21 | $10,115,000 | $481,000 | $1,235,000 | $219,000 | $616,000 |
| Home Improvement | 14 | $40,210,000 | $2,872,000 | $9,005,000 | $881,000 | $1,867,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 737 | $777,485,000 | $1,054,000 | $12,885,000 | $488,000 | $8,621,000 |
| Hispanic | 157 | $60,915,000 | $387,000 | $4,245,000 | $115,000 | $1,056,000 |
| Asian | 128 | $89,770,000 | $701,000 | $8,705,000 | $239,000 | $4,485,000 |
| Not Provided | 95 | $60,405,000 | $635,000 | $3,575,000 | $272,000 | $2,443,000 |
| Black or African American | 69 | $26,295,000 | $381,000 | $2,345,000 | $134,000 | $695,000 |
| Not applicable | 45 | $244,655,000 | $5,436,000 | $27,005,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 4 | $580,000 | $145,000 | $385,000 | $81,000 | $105,000 |
| 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) | 1,239 | $1,262,725,000 | $1,019,000 | $27,005,000 | $372,000 | $8,621,000 |
| 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 | 974 | $996,550,000 | $1,023,000 | $27,005,000 | $372,000 | $6,481,000 |
| Application Withdrawn By Applicant | 171 | $131,655,000 | $769,000 | $6,305,000 | $329,000 | $5,263,000 |
| Application Denied By Financial Institution | 68 | $108,630,000 | $1,597,000 | $12,885,000 | $477,000 | $8,621,000 |
| Application Approved But Not Accepted | 14 | $8,780,000 | $627,000 | $2,415,000 | $219,000 | $861,000 |
| File Closed For Incompleteness | 12 | $17,110,000 | $1,425,000 | $6,005,000 | $604,000 | $2,095,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,171 | $1,154,095,000 | $985,000 | $27,005,000 | $366,000 | $6,481,000 |
| Debt-To-Income Ratio | 52 | $73,940,000 | $1,421,000 | $12,885,000 | $255,000 | $1,363,000 |
| Collateral | 7 | $18,075,000 | $2,582,000 | $8,705,000 | $1,013,000 | $4,485,000 |
| Credit History | 5 | $2,675,000 | $535,000 | $1,085,000 | $266,000 | $794,000 |
| Other | 4 | $13,940,000 | $3,485,000 | $9,005,000 | $3,054,000 | $8,621,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 Company's 2019 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 Company'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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