Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2015
In 2015, Peoples Bank & Trust Co. of Troy, MO reported 232 mortgage applications totaling $28.6 million, up 19% from 2014. The average application was for $123,456, and applicants reported an average income of $60,491. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (160), 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 | 232 |
| Total Mortgage Loan Application Amount | $28,642,000 |
| Average Mortgage Loan Application Amount | $123,456 |
| Highest Mortgage Loan Application Amount | $2,457,000 |
| Average Applicant Income | $60,491 |
| Highest Applicant Income | $847,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 114 | $ 11,748,000 | $ 103,052 | $ 64,000 |
| Pike, Missouri | 33 | $ 3,113,000 | $ 94,333 | $ 56,000 |
| St. Charles, Missouri | 27 | $ 3,112,000 | $ 115,259 | $ 60,000 |
| Warren, Missouri | 10 | $ 826,000 | $ 82,600 | $ 38,000 |
| Clark, Missouri | 6 | $ 668,000 | $ 111,333 | $ 61,000 |
| Montgomery, Missouri | 5 | $ 314,000 | $ 62,800 | $ 63,000 |
| St. Louis, Missouri | 4 | $ 1,660,000 | $ 415,000 | $ 0 |
| St. Louis City, Missouri | 4 | $ 635,000 | $ 158,750 | $ 0 |
| Camden, Missouri | 3 | $ 945,000 | $ 315,000 | $ 53,000 |
| Perry, Missouri | 2 | $ 232,000 | $ 116,000 | $ 65,000 |
| Scotland, Missouri | 2 | $ 177,000 | $ 88,500 | $ 48,000 |
| Adair, Missouri | 1 | $ 74,000 | $ 74,000 | $ 59,000 |
| Audrain, Missouri | 1 | $ 11,000 | $ 11,000 | $ 39,000 |
| Cape Girardeau, Missouri | 1 | $ 222,000 | $ 222,000 | $ 86,000 |
| Franklin, Missouri | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Howard, Missouri | 1 | $ 50,000 | $ 50,000 | $ 41,000 |
| Jackson, Missouri | 1 | $ 2,457,000 | $ 2,457,000 | $ 0 |
| Macon, Missouri | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Marion, Missouri | 1 | $ 86,000 | $ 86,000 | $ 82,000 |
| Ralls, Missouri | 1 | $ 216,000 | $ 216,000 | $ 67,000 |
| Ste. Genevieve, Missouri | 1 | $ 417,000 | $ 417,000 | $ 847,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2015
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 | 123 | $16,134,000 | $131,000 | $2,457,000 | $53,000 | $159,000 |
| Refinancing | 81 | $10,668,000 | $131,000 | $545,000 | $71,000 | $847,000 |
| Home Improvement | 28 | $1,840,000 | $65,000 | $200,000 | $63,000 | $224,000 |
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 | 203 | $20,566,000 | $101,000 | $600,000 | $69,000 | $847,000 |
| Not applicable | 26 | $7,651,000 | $294,000 | $2,457,000 | $0 | $0 |
| Not Provided | 2 | $375,000 | $187,000 | $275,000 | $53,000 | $107,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $41,000 | $41,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 232 | $28,642,000 | $123,000 | $2,457,000 | $61,000 | $847,000 |
| 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 | 157 | $19,827,000 | $126,000 | $2,457,000 | $58,000 | $224,000 |
| Application Denied By Financial Institution | 23 | $1,929,000 | $83,000 | $275,000 | $49,000 | $107,000 |
| Application Approved But Not Accepted | 22 | $2,888,000 | $131,000 | $417,000 | $105,000 | $847,000 |
| Loan Purchased By The Institution | 14 | $2,069,000 | $147,000 | $750,000 | $61,000 | $111,000 |
| Preapproval Denied by Financial Institution | 9 | $598,000 | $66,000 | $120,000 | $43,000 | $67,000 |
| Application Withdrawn By Applicant | 3 | $835,000 | $278,000 | $600,000 | $45,000 | $102,000 |
| File Closed For Incompleteness | 3 | $374,000 | $124,000 | $150,000 | $39,000 | $82,000 |
| Preapproval Approved but not Accepted | 1 | $122,000 | $122,000 | $122,000 | $67,000 | $67,000 |
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 2015 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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