Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2014
In 2014, Peoples Bank & Trust Co. of Troy, MO reported 195 mortgage applications totaling $23.4 million, down 31% from 2013. The average application was for $119,794, and applicants reported an average income of $58,005. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (143), Cape Girardeau, MO-IL (1) and Kansas City, MO-KS (1) (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 | 195 |
| Total Mortgage Loan Application Amount | $23,360,000 |
| Average Mortgage Loan Application Amount | $119,794 |
| Highest Mortgage Loan Application Amount | $1,568,000 |
| Average Applicant Income | $58,005 |
| Highest Applicant Income | $445,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 102 | $ 9,449,000 | $ 92,637 | $ 60,000 |
| Pike, Missouri | 28 | $ 1,716,000 | $ 61,285 | $ 55,000 |
| St. Charles, Missouri | 13 | $ 1,488,000 | $ 114,461 | $ 75,000 |
| Warren, Missouri | 13 | $ 826,000 | $ 63,538 | $ 35,000 |
| St. Louis City, Missouri | 10 | $ 5,809,000 | $ 580,900 | $ 0 |
| St. Louis, Missouri | 4 | $ 1,198,000 | $ 299,500 | $ 119,000 |
| Montgomery, Missouri | 3 | $ 211,000 | $ 70,333 | $ 76,000 |
| Scotland, Missouri | 3 | $ 352,000 | $ 117,333 | $ 60,000 |
| Audrain, Missouri | 2 | $ 82,000 | $ 41,000 | $ 23,000 |
| Marion, Missouri | 2 | $ 120,000 | $ 60,000 | $ 85,000 |
| Perry, Missouri | 2 | $ 336,000 | $ 168,000 | $ 118,000 |
| Ralls, Missouri | 2 | $ 140,000 | $ 70,000 | $ 37,000 |
| Schuyler, Missouri | 2 | $ 175,000 | $ 87,500 | $ 40,000 |
| Van Buren, Iowa | 1 | $ 160,000 | $ 160,000 | $ 71,000 |
| Johnson, Kansas | 1 | $ 243,000 | $ 243,000 | $ 114,000 |
| Cape Girardeau, Missouri | 1 | $ 360,000 | $ 360,000 | $ 65,000 |
| Clark, Missouri | 1 | $ 57,000 | $ 57,000 | $ 28,000 |
| Franklin, Missouri | 1 | $ 133,000 | $ 133,000 | $ 129,000 |
| Howard, Missouri | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Knox, Missouri | 1 | $ 175,000 | $ 175,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2014
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 | 87 | $8,253,000 | $94,000 | $360,000 | $59,000 | $315,000 |
| Refinancing | 82 | $13,565,000 | $165,000 | $1,568,000 | $56,000 | $445,000 |
| Home Improvement | 26 | $1,542,000 | $59,000 | $185,000 | $61,000 | $372,000 |
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 | 162 | $14,989,000 | $92,000 | $472,000 | $63,000 | $372,000 |
| Not applicable | 23 | $6,950,000 | $302,000 | $1,568,000 | $0 | $0 |
| Not Provided | 3 | $335,000 | $111,000 | $243,000 | $49,000 | $114,000 |
| Asian | 3 | $845,000 | $281,000 | $738,000 | $258,000 | $445,000 |
| Black or African American | 2 | $68,000 | $34,000 | $43,000 | $60,000 | $74,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $21,000 | $21,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $133,000 | $133,000 | $133,000 | $129,000 | $129,000 |
| Hispanic | 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) | 195 | $23,360,000 | $119,000 | $1,568,000 | $58,000 | $445,000 |
| 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 | 119 | $16,093,000 | $135,000 | $1,568,000 | $61,000 | $445,000 |
| Application Approved But Not Accepted | 32 | $3,715,000 | $116,000 | $463,000 | $59,000 | $195,000 |
| Application Denied By Financial Institution | 30 | $2,275,000 | $75,000 | $360,000 | $47,000 | $129,000 |
| Loan Purchased By The Institution | 10 | $965,000 | $96,000 | $175,000 | $66,000 | $132,000 |
| Preapproval Denied by Financial Institution | 2 | $205,000 | $102,000 | $145,000 | $60,000 | $63,000 |
| Application Withdrawn By Applicant | 1 | $18,000 | $18,000 | $18,000 | $44,000 | $44,000 |
| File Closed For Incompleteness | 1 | $89,000 | $89,000 | $89,000 | $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 Peoples Bank & Trust Co.'s 2014 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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