Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2007
In 2007, Peoples Bank & Trust Co. of Troy, MO reported 281 mortgage applications totaling $31.3 million, down 1% from 2006. The average application was for $111,327, and applicants reported an average income of $63,672. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (225), Columbia, MO (8) and Jefferson City, MO (4) (applications in parentheses).
| 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 | 281 |
| Total Mortgage Loan Application Amount | $31,283,000 |
| Average Mortgage Loan Application Amount | $111,327 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $63,672 |
| Highest Applicant Income | $400,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 192 | $ 20,160,000 | $ 105,000 | $ 62,000 |
| Pike, Missouri | 26 | $ 2,851,000 | $ 109,653 | $ 64,000 |
| St. Charles, Missouri | 18 | $ 2,743,000 | $ 152,388 | $ 58,000 |
| Warren, Missouri | 12 | $ 1,190,000 | $ 99,166 | $ 66,000 |
| Howard, Missouri | 6 | $ 524,000 | $ 87,333 | $ 46,000 |
| Montgomery, Missouri | 5 | $ 188,000 | $ 37,600 | $ 42,000 |
| Callaway, Missouri | 4 | $ 387,000 | $ 96,750 | $ 55,000 |
| Marion, Missouri | 3 | $ 199,000 | $ 66,333 | $ 35,000 |
| St. Louis, Missouri | 3 | $ 1,286,000 | $ 428,666 | $ 163,000 |
| Boone, Missouri | 2 | $ 555,000 | $ 277,500 | $ 95,000 |
| San Diego, California | 1 | $ 42,000 | $ 42,000 | $ 52,000 |
| Camden, Missouri | 1 | $ 110,000 | $ 110,000 | $ 224,000 |
| Clark, Missouri | 1 | $ 69,000 | $ 69,000 | $ 69,000 |
| Cooper, Missouri | 1 | $ 151,000 | $ 151,000 | $ 110,000 |
| Gasconade, Missouri | 1 | $ 40,000 | $ 40,000 | $ 50,000 |
| Greene, Missouri | 1 | $ 80,000 | $ 80,000 | $ 120,000 |
| Monroe, Missouri | 1 | $ 70,000 | $ 70,000 | $ 30,000 |
| Morgan, Missouri | 1 | $ 175,000 | $ 175,000 | $ 227,000 |
| Perry, Missouri | 1 | $ 58,000 | $ 58,000 | $ 42,000 |
| Taney, Missouri | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2007
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 | 128 | $15,983,000 | $124,000 | $576,000 | $63,000 | $227,000 |
| Refinancing | 126 | $13,225,000 | $104,000 | $1,200,000 | $66,000 | $400,000 |
| Home Improvement | 27 | $2,075,000 | $76,000 | $225,000 | $56,000 | $153,000 |
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 | 276 | $29,482,000 | $106,000 | $576,000 | $63,000 | $328,000 |
| Black or African American | 3 | $1,453,000 | $484,000 | $1,200,000 | $176,000 | $400,000 |
| Hispanic | 1 | $122,000 | $122,000 | $122,000 | $45,000 | $45,000 |
| Not applicable | 1 | $226,000 | $226,000 | $226,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 264 | $29,454,000 | $111,000 | $1,200,000 | $65,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,829,000 | $107,000 | $217,000 | $42,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 196 | $20,589,000 | $105,000 | $480,000 | $67,000 | $328,000 |
| Application Denied By Financial Institution | 40 | $4,228,000 | $105,000 | $285,000 | $44,000 | $216,000 |
| Loan Purchased By The Institution | 23 | $2,344,000 | $101,000 | $372,000 | $60,000 | $110,000 |
| Application Withdrawn By Applicant | 21 | $3,992,000 | $190,000 | $1,200,000 | $76,000 | $400,000 |
| Application Approved But Not Accepted | 1 | $130,000 | $130,000 | $130,000 | $59,000 | $59,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| 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 2007 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.
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