Wainwright Bank & Trust Compan Mortgage Lending & HMDA Data, 2003
In 2003, Wainwright Bank & Trust Compan of Boston, MA reported 709 mortgage applications totaling $159.9 million. The average application was for $225,555, and applicants reported an average income of $195,884. 89% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Boston, MA-NH (615), Lawrence, MA-NH (18) and Lowell, MA-NH (14) (applications in parentheses).
| Mortgage Company & Address | Wainwright Bank & Trust Compan 63 Franklin St. Boston, MA 02110 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 709 |
| Total Mortgage Loan Application Amount | $159,919,000 |
| Average Mortgage Loan Application Amount | $225,555 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $195,884 |
| Highest Applicant Income | $5,112,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wainwright Bank & Trust Compan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 263 | $ 51,871,000 | $ 197,228 | $ 115,000 |
| Suffolk, Massachusetts | 198 | $ 51,568,000 | $ 260,444 | $ 85,000 |
| Norfolk, Massachusetts | 104 | $ 24,393,000 | $ 234,548 | $ 83,000 |
| Essex, Massachusetts | 56 | $ 9,095,000 | $ 162,410 | $ 99,000 |
| Plymouth, Massachusetts | 34 | $ 9,400,000 | $ 276,470 | $ 105,000 |
| Barnstable, Massachusetts | 20 | $ 6,754,000 | $ 337,700 | $ 176,000 |
| Bristol, Massachusetts | 16 | $ 1,958,000 | $ 122,375 | $ 79,000 |
| Worcester, Massachusetts | 13 | $ 2,351,000 | $ 180,846 | $ 238,000 |
| Dukes, Massachusetts | 1 | $ 1,250,000 | $ 1,250,000 | $ 5,112,000 |
| Nantucket, Massachusetts | 1 | $ 650,000 | $ 650,000 | $ 4,036,000 |
| Grafton, New Hampshire | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Hillsborough, New Hampshire | 1 | $ 352,000 | $ 352,000 | $ 4,036,000 |
| Rockingham, New Hampshire | 1 | $ 170,000 | $ 170,000 | $ 267,000 |
Mortgage Loan Application Detail Totals for Wainwright Bank & Trust Compan in 2003
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 (home purchase or home improvement, one-to-four family) | 608 | $115,777,000 | $199,500 | $3,500,000 | $820,000 | $5,112,000 |
| Home Purchase (one-to-four family) | 65 | $16,323,000 | $251,000 | $1,000,000 | $134,000 | $604,000 |
| Home Improvement (one-to-four family) | 20 | $437,000 | $21,000 | $30,000 | $62,000 | $114,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 16 | $27,382,000 | $1,711,000 | $3,457,000 | $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 | 426 | $89,220,000 | $209,000 | $3,500,000 | $893,500 | $5,112,000 |
| Information not provided by applicant in mail or telephone application | 135 | $26,173,000 | $193,000 | $3,000,000 | $100,000 | $591,000 |
| Asian or Pacific Islander | 70 | $10,545,000 | $150,000 | $690,000 | $83,000 | $290,000 |
| Black | 33 | $4,043,000 | $122,000 | $500,000 | $69,000 | $129,000 |
| Hispanic | 17 | $3,582,000 | $210,000 | $1,380,000 | $58,000 | $340,000 |
| Not applicable | 15 | $24,382,000 | $1,625,000 | $3,457,000 | $0 | $0 |
| Other | 12 | $1,747,000 | $145,000 | $550,000 | $109,000 | $408,000 |
| American Indian or Alaskan Native | 1 | $227,000 | $227,000 | $227,000 | $102,000 | $102,000 |
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) | 709 | $159,919,000 | $217,000 | $3,500,000 | $806,000 | $5,112,000 |
| 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 | 628 | $144,460,000 | $219,500 | $3,500,000 | $829,000 | $5,112,000 |
| Application Denied By Financial Institution | 38 | $8,570,000 | $225,000 | $1,267,000 | $81,000 | $357,000 |
| Application Withdrawn By Applicant | 21 | $3,951,000 | $188,000 | $690,000 | $175,000 | $1,017,000 |
| Application Approved But Not Accepted | 21 | $2,763,000 | $131,000 | $550,000 | $99,000 | $216,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $12,000 | $12,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wainwright Bank & Trust Compan's 2003 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 Wainwright Bank & Trust Compan'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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