Beacon Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Beacon Bank & Trust of Albany, NY reported 1,291 mortgage applications totaling $601.1 million, up 115% from 2024. The average application was for $465,588, and applicants reported an average income of $252,539. 62% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (413), Boston, MA (247) and Providence-Warwick, RI-MA (201) (applications in parentheses).
| Mortgage Company & Address | Beacon Bank & Trust Albany, NY 12207 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 1,291 |
| Total Mortgage Loan Application Amount | $601,075,000 |
| Average Mortgage Loan Application Amount | $465,588 |
| Highest Mortgage Loan Application Amount | $25,005,000 |
| Average Applicant Income | $252,539 |
| Highest Applicant Income | $9,600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Beacon Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Middlesex, Massachusetts | 270 | $ 153,860,000 | $ 569,851 | $ 324,000 |
| Essex, Massachusetts | 143 | $ 37,835,000 | $ 264,580 | $ 207,000 |
| Norfolk, Massachusetts | 124 | $ 72,990,000 | $ 588,629 | $ 356,000 |
| Suffolk, Massachusetts | 107 | $ 98,735,000 | $ 922,757 | $ 275,000 |
| Providence, Rhode Island | 98 | $ 30,710,000 | $ 313,367 | $ 157,000 |
| Worcester, Massachusetts | 48 | $ 29,110,000 | $ 606,458 | $ 140,000 |
| Westchester, New York | 48 | $ 15,580,000 | $ 324,583 | $ 239,000 |
| Berkshire, Massachusetts | 47 | $ 9,075,000 | $ 193,085 | $ 150,000 |
| Hampden, Massachusetts | 41 | $ 6,685,000 | $ 163,048 | $ 132,000 |
| Kent, Rhode Island | 38 | $ 14,510,000 | $ 381,842 | $ 195,000 |
| Washington, Rhode Island | 37 | $ 18,065,000 | $ 488,243 | $ 284,000 |
| Capitol Planning Region, Connecticut | 27 | $ 4,595,000 | $ 170,185 | $ 136,000 |
| Southeastern Connecticut Planning Region, Connecticut | 22 | $ 3,170,000 | $ 144,090 | $ 135,000 |
| Barnstable, Massachusetts | 21 | $ 14,525,000 | $ 691,666 | $ 407,000 |
| Oneida, New York | 17 | $ 1,625,000 | $ 95,588 | $ 72,000 |
| Northeastern Connecticut Planning Region, Connecticut | 16 | $ 1,710,000 | $ 106,875 | $ 79,000 |
| Plymouth, Massachusetts | 16 | $ 14,270,000 | $ 891,875 | $ 340,000 |
| Newport, Rhode Island | 16 | $ 23,510,000 | $ 1,469,375 | $ 494,000 |
| Dutchess, New York | 14 | $ 2,360,000 | $ 168,571 | $ 141,000 |
| Bennington, Vermont | 13 | $ 2,965,000 | $ 228,076 | $ 156,000 |
| Putnam, New York | 12 | $ 3,260,000 | $ 271,666 | $ 125,000 |
| Bristol, Massachusetts | 9 | $ 3,055,000 | $ 339,444 | $ 276,000 |
| Rockingham, New Hampshire | 9 | $ 2,605,000 | $ 289,444 | $ 174,000 |
| Albany, New York | 6 | $ 1,510,000 | $ 251,666 | $ 224,000 |
| Rutland, Vermont | 6 | $ 1,480,000 | $ 246,666 | $ 152,000 |
| Columbia, New York | 5 | $ 2,915,000 | $ 583,000 | $ 370,000 |
| Onondaga, New York | 4 | $ 440,000 | $ 110,000 | $ 642,000 |
| Windsor, Vermont | 4 | $ 1,910,000 | $ 477,500 | $ 380,000 |
| Naugatuck Valley Planning Region, Connecticut | 3 | $ 785,000 | $ 261,666 | $ 278,000 |
| Northwest Hills Planning Region, Connecticut | 3 | $ 655,000 | $ 218,333 | $ 521,000 |
| Nantucket, Massachusetts | 3 | $ 3,715,000 | $ 1,238,333 | $ 580,000 |
| Carroll, New Hampshire | 3 | $ 955,000 | $ 318,333 | $ 233,000 |
| Fulton, New York | 3 | $ 255,000 | $ 85,000 | $ 199,000 |
| Warren, New York | 3 | $ 835,000 | $ 278,333 | $ 156,000 |
| Bristol, Rhode Island | 3 | $ 855,000 | $ 285,000 | $ 165,000 |
| Greater Bridgeport Planning Region, Connecticut | 2 | $ 590,000 | $ 295,000 | $ 105,000 |
| Sarasota, Florida | 2 | $ 1,340,000 | $ 670,000 | $ 837,000 |
| Hampshire, Massachusetts | 2 | $ 290,000 | $ 145,000 | $ 55,000 |
| Grafton, New Hampshire | 2 | $ 1,010,000 | $ 505,000 | $ 255,000 |
| Hillsborough, New Hampshire | 2 | $ 310,000 | $ 155,000 | $ 478,000 |
| Bronx, New York | 2 | $ 850,000 | $ 425,000 | $ 173,000 |
| Montgomery, New York | 2 | $ 130,000 | $ 65,000 | $ 31,000 |
| New York, New York | 2 | $ 1,050,000 | $ 525,000 | $ 375,000 |
| Orange, New York | 2 | $ 510,000 | $ 255,000 | $ 117,000 |
| Rockland, New York | 2 | $ 360,000 | $ 180,000 | $ 105,000 |
| Saratoga, New York | 2 | $ 360,000 | $ 180,000 | $ 66,000 |
| Suffolk, New York | 2 | $ 260,000 | $ 130,000 | $ 174,000 |
| Washington, New York | 2 | $ 540,000 | $ 270,000 | $ 113,000 |
| Lower Connecticut River Valley Planning Region, Connecticut | 1 | $ 205,000 | $ 205,000 | $ 158,000 |
| Western Connecticut Planning Region, Connecticut | 1 | $ 25,000 | $ 25,000 | $ 188,000 |
| Miami-Dade, Florida | 1 | $ 405,000 | $ 405,000 | $ 2,683,000 |
| Palm Beach, Florida | 1 | $ 745,000 | $ 745,000 | $ 452,000 |
| Glynn, Georgia | 1 | $ 635,000 | $ 635,000 | $ 816,000 |
| Cook, Illinois | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Dukes, Massachusetts | 1 | $ 805,000 | $ 805,000 | $ 551,000 |
| Hudson, New Jersey | 1 | $ 445,000 | $ 445,000 | $ 1,224,000 |
| Cayuga, New York | 1 | $ 145,000 | $ 145,000 | $ 183,000 |
| Herkimer, New York | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Kings, New York | 1 | $ 805,000 | $ 805,000 | $ 415,000 |
| Lewis, New York | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Rensselaer, New York | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Sullivan, New York | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Windham, Vermont | 1 | $ 45,000 | $ 45,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Beacon Bank & Trust in 2025
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 Improvement | 479 | $122,035,000 | $254,000 | $10,005,000 | $212,000 | $3,572,000 |
| Refinancing | 348 | $172,500,000 | $495,000 | $24,005,000 | $290,000 | $9,600,000 |
| Home Purchase | 275 | $259,195,000 | $942,000 | $25,005,000 | $317,000 | $5,190,000 |
| Other Purpose | 181 | $43,895,000 | $242,000 | $3,005,000 | $194,000 | $2,370,000 |
| Cash-out Refinancing | 8 | $3,450,000 | $431,000 | $995,000 | $159,000 | $679,000 |
| 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 | 992 | $347,130,000 | $349,000 | $4,005,000 | $244,000 | $5,190,000 |
| Not Provided | 106 | $58,040,000 | $547,000 | $7,005,000 | $338,000 | $4,804,000 |
| Hispanic | 69 | $15,105,000 | $218,000 | $1,085,000 | $170,000 | $2,370,000 |
| Asian | 61 | $23,775,000 | $389,000 | $1,585,000 | $353,000 | $9,600,000 |
| Black or African American | 35 | $10,145,000 | $289,000 | $1,505,000 | $224,000 | $1,598,000 |
| Not applicable | 24 | $146,260,000 | $6,094,000 | $25,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $620,000 | $155,000 | $205,000 | $91,000 | $163,000 |
| 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) | 1,289 | $600,445,000 | $465,000 | $25,005,000 | $252,000 | $9,600,000 |
| FHA-insured (Federal Housing Administration) | 1 | $335,000 | $335,000 | $335,000 | $76,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 1 | $295,000 | $295,000 | $295,000 | $93,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 797 | $416,515,000 | $522,000 | $25,005,000 | $267,000 | $5,190,000 |
| Application Denied By Financial Institution | 287 | $85,805,000 | $298,000 | $3,005,000 | $201,000 | $9,600,000 |
| Application Withdrawn By Applicant | 99 | $38,715,000 | $391,000 | $2,605,000 | $311,000 | $2,691,000 |
| File Closed For Incompleteness | 80 | $25,810,000 | $322,000 | $1,505,000 | $203,000 | $1,579,000 |
| Application Approved But Not Accepted | 17 | $27,155,000 | $1,597,000 | $10,005,000 | $315,000 | $2,791,000 |
| Preapproval Approved but not Accepted | 9 | $5,925,000 | $658,000 | $1,405,000 | $214,000 | $640,000 |
| Preapproval Denied by Financial Institution | 2 | $1,150,000 | $575,000 | $575,000 | $110,000 | $110,000 |
| Loan Purchased By The 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 | 1,002 | $514,120,000 | $513,000 | $25,005,000 | $267,000 | $5,190,000 |
| Debt-To-Income Ratio | 139 | $45,285,000 | $325,000 | $1,485,000 | $89,000 | $375,000 |
| Credit History | 70 | $11,860,000 | $169,000 | $785,000 | $141,000 | $960,000 |
| Collateral | 58 | $20,450,000 | $352,000 | $2,725,000 | $479,000 | $9,600,000 |
| Other | 13 | $4,105,000 | $315,000 | $805,000 | $246,000 | $1,360,000 |
| Credit Application Incomplete | 7 | $2,145,000 | $306,000 | $545,000 | $596,000 | $1,598,000 |
| Unverifiable Information | 1 | $3,005,000 | $3,005,000 | $3,005,000 | $236,000 | $236,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $52,000 | $52,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Beacon Bank & Trust's 2025 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 Beacon Bank & Trust'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 New York, download the full spreadsheet
with aggregated HMDA statistics today.
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