Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2004
In 2004, Peoples Bank & Trust Co. of Troy, MO reported 436 mortgage applications totaling $40.6 million, down 54% from 2003. The average application was for $93,158, and applicants reported an average income of $59,006. 66% of its applications resulted in an originated loan and 4% were denied. Its largest markets were St. Louis, MO-IL (368), Columbia, MO (7) and Jefferson City, MO (2) (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 | 436 |
| Total Mortgage Loan Application Amount | $40,617,000 |
| Average Mortgage Loan Application Amount | $93,158 |
| Highest Mortgage Loan Application Amount | $518,000 |
| Average Applicant Income | $59,006 |
| Highest Applicant Income | $253,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co. in 2004
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 | 239 | $23,730,000 | $61,000 | $330,000 | $29,666 | $253,000 |
| Home Purchase | 176 | $16,188,000 | $74,000 | $518,000 | $63,000 | $253,000 |
| Home Improvement | 21 | $699,000 | $33,000 | $203,000 | $49,000 | $106,000 |
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 | 407 | $38,045,000 | $72,333 | $401,000 | $53,000 | $253,000 |
| Black or African American | 17 | $795,000 | $33,000 | $151,000 | $23,000 | $66,000 |
| Not applicable | 10 | $1,662,000 | $166,000 | $518,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $20,000 | $20,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $62,000 | $62,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 436 | $40,617,000 | $58,000 | $518,000 | $38,500 | $253,000 |
| 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 | 286 | $24,906,000 | $56,666 | $518,000 | $56,000 | $253,000 |
| Loan Purchased By The Institution | 124 | $13,179,000 | $73,333 | $330,000 | $37,000 | $198,000 |
| Application Denied By Financial Institution | 16 | $1,624,000 | $101,000 | $320,000 | $46,000 | $87,000 |
| Application Withdrawn By Applicant | 9 | $848,000 | $94,000 | $174,000 | $69,000 | $159,000 |
| Application Approved But Not Accepted | 1 | $60,000 | $60,000 | $60,000 | $82,000 | $82,000 |
| 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 2004 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.
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