Wainwright Bank & Trust Compan Mortgage Lending & HMDA Data, 2010
In 2010, Wainwright Bank & Trust Compan of Boston, MA reported 765 mortgage applications totaling $257.7 million, down 6% from 2009. The average application was for $336,849, and applicants reported an average income of $202,827. 64% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Boston-Quincy, MA (425), Cambridge-Newton-Framingham, MA (242) and Peabody, MA (34) (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 | 765 |
| Total Mortgage Loan Application Amount | $257,690,000 |
| Average Mortgage Loan Application Amount | $336,849 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $202,827 |
| Highest Applicant Income | $9,999,000 |
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records Wainwright Bank & Trust Compan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 425 | $ 158,116,000 | $ 372,037 | $ 227,000 |
| Cambridge-Newton-Framingham, MA | 242 | $ 64,310,000 | $ 265,743 | $ 148,000 |
| Peabody, MA | 34 | $ 15,610,000 | $ 459,117 | $ 289,000 |
| Barnstable Town, MA | 16 | $ 6,908,000 | $ 431,750 | $ 361,000 |
| Worcester, MA | 5 | $ 947,000 | $ 189,400 | $ 94,000 |
| Manchester-Nashua, NH | 4 | $ 792,000 | $ 198,000 | $ 136,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 405,000 | $ 135,000 | $ 101,000 |
| Springfield, MA | 3 | $ 227,000 | $ 75,666 | $ 40,000 |
| Pittsfield, MA | 1 | $ 417,000 | $ 417,000 | $ 610,000 |
| Rockingham County-Strafford County, NH | 1 | $ 194,000 | $ 194,000 | $ 222,000 |
Mortgage Loan Application Detail Totals for Wainwright Bank & Trust Compan in 2010
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 | 381 | $130,017,000 | $341,000 | $2,100,000 | $207,000 | $1,608,000 |
| Home Purchase | 344 | $123,100,000 | $357,000 | $12,000,000 | $204,000 | $9,999,000 |
| Home Improvement | 40 | $4,573,000 | $114,000 | $552,000 | $153,000 | $610,000 |
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 | 558 | $187,673,000 | $336,000 | $2,320,000 | $197,000 | $1,751,000 |
| Not Provided | 91 | $27,381,000 | $300,000 | $1,740,000 | $200,000 | $1,670,000 |
| Asian | 58 | $13,723,000 | $236,000 | $573,000 | $324,000 | $9,999,000 |
| Hispanic | 26 | $6,353,000 | $244,000 | $1,250,000 | $145,000 | $1,029,000 |
| Black or African American | 25 | $6,834,000 | $273,000 | $1,950,000 | $154,000 | $736,000 |
| Not applicable | 4 | $14,925,000 | $3,731,000 | $12,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $801,000 | $267,000 | $295,000 | $177,000 | $205,000 |
| 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) | 765 | $257,690,000 | $336,000 | $12,000,000 | $202,000 | $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 | 490 | $167,900,000 | $342,000 | $12,000,000 | $190,000 | $1,751,000 |
| Application Denied By Financial Institution | 88 | $23,655,000 | $268,000 | $1,680,000 | $142,000 | $732,000 |
| File Closed For Incompleteness | 67 | $24,030,000 | $358,000 | $1,600,000 | $377,000 | $9,999,000 |
| Application Approved But Not Accepted | 50 | $18,411,000 | $368,000 | $1,238,000 | $186,000 | $907,000 |
| Application Withdrawn By Applicant | 45 | $18,160,000 | $403,000 | $2,320,000 | $277,000 | $1,608,000 |
| Preapproval Denied by Financial Institution | 25 | $5,534,000 | $221,000 | $500,000 | $101,000 | $960,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2010 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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