Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2003
In 2003, Peoples Bank & Trust Co. of Troy, MO reported 946 mortgage applications totaling $94.2 million. The average application was for $99,625, and applicants reported an average income of $69,272. 66% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (778) and Columbia, MO (4).
| Mortgage Company & Address | Peoples Bank & Trust Co. 430 E. Wood Street Troy, MO 63379 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 946 |
| Total Mortgage Loan Application Amount | $94,246,000 |
| Average Mortgage Loan Application Amount | $99,625 |
| Highest Mortgage Loan Application Amount | $630,000 |
| Average Applicant Income | $69,272 |
| Highest Applicant Income | $443,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lincoln, Missouri | 603 | $ 60,616,000 | $ 100,524 | $ 47,000 |
| St. Charles, Missouri | 111 | $ 13,486,000 | $ 121,495 | $ 72,000 |
| Warren, Missouri | 53 | $ 5,258,000 | $ 99,207 | $ 60,000 |
| Pike, Missouri | 52 | $ 4,256,000 | $ 81,846 | $ 39,000 |
| Howard, Missouri | 33 | $ 2,449,000 | $ 74,212 | $ 79,000 |
| Cape Girardeau, Missouri | 23 | $ 2,045,000 | $ 88,913 | $ 70,000 |
| Marion, Missouri | 11 | $ 941,000 | $ 85,545 | $ 67,000 |
| Montgomery, Missouri | 8 | $ 570,000 | $ 71,250 | $ 39,000 |
| Perry, Missouri | 7 | $ 552,000 | $ 78,857 | $ 59,000 |
| St. Louis, Missouri | 7 | $ 769,000 | $ 109,857 | $ 96,000 |
| Clark, Missouri | 6 | $ 467,000 | $ 77,833 | $ 49,000 |
| Cooper, Missouri | 5 | $ 466,000 | $ 93,200 | $ 48,000 |
| Ralls, Missouri | 5 | $ 287,000 | $ 57,400 | $ 146,000 |
| Boone, Missouri | 4 | $ 335,000 | $ 83,750 | $ 100,000 |
| Monroe, Missouri | 3 | $ 147,000 | $ 49,000 | $ 156,000 |
| St. Louis City, Missouri | 2 | $ 119,000 | $ 59,500 | $ 70,000 |
| Benton, Missouri | 1 | $ 102,000 | $ 102,000 | $ 79,000 |
| Callaway, Missouri | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Camden, Missouri | 1 | $ 150,000 | $ 150,000 | $ 241,000 |
| Chariton, Missouri | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Franklin, Missouri | 1 | $ 157,000 | $ 157,000 | $ 71,000 |
| Jefferson, Missouri | 1 | $ 180,000 | $ 180,000 | $ 57,000 |
| Linn, Missouri | 1 | $ 111,000 | $ 111,000 | $ 34,000 |
| Macon, Missouri | 1 | $ 174,000 | $ 174,000 | $ 127,000 |
| Miller, Missouri | 1 | $ 204,000 | $ 204,000 | $ 156,000 |
| Morgan, Missouri | 1 | $ 54,000 | $ 54,000 | $ 112,000 |
| Randolph, Missouri | 1 | $ 122,000 | $ 122,000 | $ 82,000 |
| Saline, Missouri | 1 | $ 22,000 | $ 22,000 | $ 36,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. 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) | 711 | $68,317,000 | $96,000 | $550,000 | $71,000 | $443,000 |
| Home Purchase (one-to-four family) | 232 | $25,380,000 | $60,000 | $630,000 | $50,500 | $264,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $549,000 | $183,000 | $347,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 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 | 924 | $92,319,000 | $55,500 | $630,000 | $54,500 | $443,000 |
| Black | 10 | $801,000 | $80,000 | $200,000 | $52,000 | $107,000 |
| Not applicable | 8 | $854,000 | $106,000 | $347,000 | $0 | $0 |
| Hispanic | 2 | $144,000 | $72,000 | $94,000 | $49,000 | $62,000 |
| Information not provided by applicant in mail or telephone application | 1 | $64,000 | $64,000 | $64,000 | $33,000 | $33,000 |
| Other | 1 | $64,000 | $64,000 | $64,000 | $22,000 | $22,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian or 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) | 945 | $94,164,000 | $55,000 | $630,000 | $52,000 | $443,000 |
| VA-guaranteed (Veterans Administration) | 1 | $82,000 | $82,000 | $82,000 | $44,000 | $44,000 |
| 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 |
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 | 629 | $63,713,000 | $101,000 | $550,000 | $73,000 | $443,000 |
| Loan Purchased By The Institution | 232 | $21,935,000 | $94,000 | $323,000 | $62,000 | $241,000 |
| Application Denied By Financial Institution | 41 | $3,720,000 | $90,000 | $305,000 | $46,000 | $167,000 |
| Application Withdrawn By Applicant | 36 | $4,006,000 | $62,500 | $630,000 | $58,500 | $236,000 |
| Application Approved But Not Accepted | 8 | $872,000 | $109,000 | $200,000 | $68,000 | $108,000 |
| File Closed For Incompleteness | 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 Peoples Bank & Trust Co.'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 Peoples 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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About