Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2009
In 2009, Peoples Bank & Trust Co. of Troy, MO reported 845 mortgage applications totaling $106.1 million, up 82% from 2008. The average application was for $125,512, and applicants reported an average income of $68,843. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were St. Louis, MO-IL (642), Columbia, MO (19) 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 | 845 |
| Total Mortgage Loan Application Amount | $106,058,000 |
| Average Mortgage Loan Application Amount | $125,512 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $68,843 |
| Highest Applicant Income | $475,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 519 | $ 65,722,000 | $ 126,631 | $ 67,000 |
| Pike, Missouri | 91 | $ 9,923,000 | $ 109,043 | $ 58,000 |
| St. Charles, Missouri | 68 | $ 9,514,000 | $ 139,911 | $ 75,000 |
| Warren, Missouri | 33 | $ 4,686,000 | $ 142,000 | $ 79,000 |
| Montgomery, Missouri | 15 | $ 1,958,000 | $ 130,533 | $ 75,000 |
| St. Louis, Missouri | 12 | $ 1,259,000 | $ 104,916 | $ 94,000 |
| Schuyler, Missouri | 11 | $ 1,012,000 | $ 92,000 | $ 68,000 |
| Clark, Missouri | 10 | $ 1,167,000 | $ 116,700 | $ 55,000 |
| Howard, Missouri | 10 | $ 1,076,000 | $ 107,600 | $ 65,000 |
| Boone, Missouri | 9 | $ 1,379,000 | $ 153,222 | $ 66,000 |
| Cape Girardeau, Missouri | 7 | $ 903,000 | $ 129,000 | $ 72,000 |
| Perry, Missouri | 7 | $ 843,000 | $ 120,428 | $ 84,000 |
| Cooper, Missouri | 5 | $ 1,003,000 | $ 200,600 | $ 96,000 |
| Marion, Missouri | 5 | $ 499,000 | $ 99,800 | $ 58,000 |
| Putnam, Missouri | 5 | $ 1,054,000 | $ 210,800 | $ 109,000 |
| St. Louis City, Missouri | 5 | $ 466,000 | $ 93,200 | $ 85,000 |
| Callaway, Missouri | 4 | $ 355,000 | $ 88,750 | $ 41,000 |
| Scotland, Missouri | 4 | $ 583,000 | $ 145,750 | $ 91,000 |
| Camden, Missouri | 3 | $ 338,000 | $ 112,666 | $ 120,000 |
| Pike, Illinois | 2 | $ 131,000 | $ 65,500 | $ 47,000 |
| St. Clair, Illinois | 2 | $ 437,000 | $ 218,500 | $ 178,000 |
| Monroe, Missouri | 2 | $ 70,000 | $ 35,000 | $ 20,000 |
| Morgan, Missouri | 2 | $ 331,000 | $ 165,500 | $ 129,000 |
| Ralls, Missouri | 2 | $ 203,000 | $ 101,500 | $ 32,000 |
| Washington, Missouri | 2 | $ 154,000 | $ 77,000 | $ 30,000 |
| Johnson, Kansas | 1 | $ 107,000 | $ 107,000 | $ 154,000 |
| Audrain, Missouri | 1 | $ 36,000 | $ 36,000 | $ 51,000 |
| Christian, Missouri | 1 | $ 176,000 | $ 176,000 | $ 66,000 |
| Crawford, Missouri | 1 | $ 142,000 | $ 142,000 | $ 127,000 |
| Franklin, Missouri | 1 | $ 148,000 | $ 148,000 | $ 51,000 |
| Macon, Missouri | 1 | $ 44,000 | $ 44,000 | $ 35,000 |
| Pulaski, Missouri | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| St. Francois, Missouri | 1 | $ 65,000 | $ 65,000 | $ 56,000 |
| Ste. Genevieve, Missouri | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Taney, Missouri | 1 | $ 83,000 | $ 83,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2009
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 | 602 | $81,242,000 | $134,000 | $417,000 | $75,000 | $475,000 |
| Home Purchase | 195 | $21,572,000 | $110,000 | $414,000 | $53,000 | $220,000 |
| Home Improvement | 48 | $3,244,000 | $67,000 | $225,000 | $56,000 | $156,000 |
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 | 807 | $101,401,000 | $125,000 | $417,000 | $70,000 | $475,000 |
| Not applicable | 18 | $2,082,000 | $115,000 | $278,000 | $6,000 | $109,000 |
| Black or African American | 9 | $1,015,000 | $112,000 | $250,000 | $48,000 | $110,000 |
| Hispanic | 5 | $450,000 | $90,000 | $140,000 | $53,000 | $76,000 |
| Not Provided | 5 | $1,092,000 | $218,000 | $414,000 | $92,000 | $156,000 |
| American Indian or Alaskan Native | 1 | $18,000 | $18,000 | $18,000 | $20,000 | $20,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 794 | $101,066,000 | $127,000 | $417,000 | $70,000 | $475,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $4,855,000 | $97,000 | $153,000 | $40,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 1 | $137,000 | $137,000 | $137,000 | $78,000 | $78,000 |
| 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 | 539 | $68,816,000 | $127,000 | $417,000 | $71,000 | $475,000 |
| Application Denied By Financial Institution | 116 | $14,184,000 | $122,000 | $414,000 | $52,000 | $215,000 |
| Application Withdrawn By Applicant | 104 | $14,018,000 | $134,000 | $417,000 | $75,000 | $260,000 |
| Loan Purchased By The Institution | 81 | $8,613,000 | $106,000 | $320,000 | $68,000 | $199,000 |
| Application Approved But Not Accepted | 5 | $427,000 | $85,000 | $120,000 | $43,000 | $60,000 |
| 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 2009 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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