Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2013
In 2013, Peoples Bank & Trust Co. of Troy, MO reported 283 mortgage applications totaling $30.4 million, down 38% from 2012. The average application was for $107,268, and applicants reported an average income of $64,088. 69% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (204) and Cape Girardeau-Jackson, MO-IL (8).
| 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 | 283 |
| Total Mortgage Loan Application Amount | $30,357,000 |
| Average Mortgage Loan Application Amount | $107,268 |
| Highest Mortgage Loan Application Amount | $608,000 |
| Average Applicant Income | $64,088 |
| Highest Applicant Income | $339,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 169 | $ 17,532,000 | $ 103,739 | $ 65,000 |
| Pike, Missouri | 32 | $ 2,742,000 | $ 85,687 | $ 52,000 |
| St. Charles, Missouri | 25 | $ 3,943,000 | $ 157,720 | $ 77,000 |
| Clark, Missouri | 13 | $ 1,237,000 | $ 95,153 | $ 70,000 |
| Cape Girardeau, Missouri | 8 | $ 1,076,000 | $ 134,500 | $ 90,000 |
| Warren, Missouri | 5 | $ 330,000 | $ 66,000 | $ 36,000 |
| Perry, Missouri | 4 | $ 525,000 | $ 131,250 | $ 62,000 |
| Scotland, Missouri | 4 | $ 523,000 | $ 130,750 | $ 65,000 |
| Camden, Missouri | 3 | $ 249,000 | $ 83,000 | $ 38,000 |
| Marion, Missouri | 3 | $ 150,000 | $ 50,000 | $ 30,000 |
| Jefferson, Missouri | 2 | $ 188,000 | $ 94,000 | $ 43,000 |
| Lewis, Missouri | 2 | $ 276,000 | $ 138,000 | $ 59,000 |
| Montgomery, Missouri | 2 | $ 220,000 | $ 110,000 | $ 128,000 |
| Ralls, Missouri | 2 | $ 86,000 | $ 43,000 | $ 13,000 |
| Schuyler, Missouri | 2 | $ 194,000 | $ 97,000 | $ 60,000 |
| St. Louis City, Missouri | 2 | $ 374,000 | $ 187,000 | $ 0 |
| Audrain, Missouri | 1 | $ 26,000 | $ 26,000 | $ 67,000 |
| Macon, Missouri | 1 | $ 34,000 | $ 34,000 | $ 77,000 |
| Miller, Missouri | 1 | $ 298,000 | $ 298,000 | $ 117,000 |
| Randolph, Missouri | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| St. Louis, Missouri | 1 | $ 189,000 | $ 189,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2013
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 | 165 | $19,981,000 | $121,000 | $608,000 | $69,000 | $298,000 |
| Home Purchase | 95 | $8,838,000 | $93,000 | $325,000 | $58,000 | $339,000 |
| Home Improvement | 23 | $1,538,000 | $66,000 | $195,000 | $54,000 | $136,000 |
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 | 260 | $27,537,000 | $105,000 | $387,000 | $67,000 | $298,000 |
| Not applicable | 17 | $2,329,000 | $137,000 | $608,000 | $6,000 | $116,000 |
| Asian | 2 | $197,000 | $98,000 | $125,000 | $218,000 | $339,000 |
| Black or African American | 2 | $158,000 | $79,000 | $132,000 | $53,000 | $67,000 |
| Hispanic | 2 | $136,000 | $68,000 | $116,000 | $59,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 282 | $30,277,000 | $107,000 | $608,000 | $64,000 | $339,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $80,000 | $80,000 | $80,000 | $39,000 | $39,000 |
| 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 | 195 | $21,183,000 | $108,000 | $608,000 | $67,000 | $339,000 |
| Application Withdrawn By Applicant | 34 | $4,683,000 | $137,000 | $309,000 | $74,000 | $162,000 |
| Application Denied By Financial Institution | 29 | $2,333,000 | $80,000 | $153,000 | $35,000 | $92,000 |
| Loan Purchased By The Institution | 24 | $2,058,000 | $85,000 | $151,000 | $63,000 | $298,000 |
| Application Approved But Not Accepted | 1 | $100,000 | $100,000 | $100,000 | $0 | $0 |
| 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 2013 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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