Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2008
In 2008, Peoples Bank & Trust Co. of Troy, MO reported 465 mortgage applications totaling $58.5 million, up 65% from 2007. The average application was for $125,713, and applicants reported an average income of $65,718. 72% of its applications resulted in an originated loan and 12% were denied. Its largest markets were St. Louis, MO-IL (363), Columbia, MO (4) and Jefferson City, MO (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 | 465 |
| Total Mortgage Loan Application Amount | $58,457,000 |
| Average Mortgage Loan Application Amount | $125,713 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $65,718 |
| Highest Applicant Income | $574,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 | 254 | $33,438,000 | $131,000 | $417,000 | $75,000 | $574,000 |
| Home Purchase | 188 | $23,591,000 | $125,000 | $1,200,000 | $54,000 | $247,000 |
| Home Improvement | 23 | $1,428,000 | $62,000 | $315,000 | $59,000 | $130,000 |
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 | 440 | $55,070,000 | $125,000 | $1,200,000 | $68,000 | $574,000 |
| Not applicable | 16 | $2,311,000 | $144,000 | $440,000 | $0 | $0 |
| Black or African American | 4 | $468,000 | $117,000 | $209,000 | $52,000 | $84,000 |
| Hispanic | 2 | $144,000 | $72,000 | $86,000 | $27,000 | $55,000 |
| Asian | 2 | $319,000 | $159,000 | $179,000 | $83,000 | $92,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $78,000 | $78,000 |
| 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) | 432 | $54,978,000 | $127,000 | $1,200,000 | $68,000 | $574,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,300,000 | $103,000 | $145,000 | $39,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 1 | $179,000 | $179,000 | $179,000 | $92,000 | $92,000 |
| 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 | 336 | $42,161,000 | $125,000 | $1,160,000 | $69,000 | $574,000 |
| Application Denied By Financial Institution | 58 | $6,087,000 | $104,000 | $363,000 | $46,000 | $130,000 |
| Application Withdrawn By Applicant | 47 | $6,994,000 | $148,000 | $1,200,000 | $62,000 | $140,000 |
| Loan Purchased By The Institution | 21 | $2,571,000 | $122,000 | $337,000 | $79,000 | $234,000 |
| Application Approved But Not Accepted | 2 | $344,000 | $172,000 | $204,000 | $57,000 | $65,000 |
| File Closed For Incompleteness | 1 | $300,000 | $300,000 | $300,000 | $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 2008 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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