Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2025
In 2025, Peoples Bank & Trust Co. of Troy, MO reported 219 mortgage applications totaling $51.4 million, up 7% from 2024. The average application was for $234,589, and applicants reported an average income of $134,511. 65% of its applications resulted in an originated loan and 10% were denied. Its largest market was St. Louis, MO-IL (135).
| 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 | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 219 |
| Total Mortgage Loan Application Amount | $51,375,000 |
| Average Mortgage Loan Application Amount | $234,589 |
| Highest Mortgage Loan Application Amount | $4,905,000 |
| Average Applicant Income | $134,511 |
| Highest Applicant Income | $878,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2025
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 | 117 | $34,635,000 | $296,000 | $3,845,000 | $141,000 | $878,000 |
| Refinancing | 49 | $11,955,000 | $243,000 | $4,905,000 | $155,000 | $538,000 |
| Other Purpose | 28 | $2,680,000 | $95,000 | $505,000 | $100,000 | $240,000 |
| Home Improvement | 18 | $720,000 | $40,000 | $85,000 | $85,000 | $165,000 |
| Cash-out Refinancing | 7 | $1,385,000 | $197,000 | $375,000 | $148,000 | $462,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 175 | $30,535,000 | $174,000 | $765,000 | $135,000 | $878,000 |
| Not applicable | 28 | $18,250,000 | $651,000 | $4,905,000 | $0 | $0 |
| Not Provided | 8 | $1,120,000 | $140,000 | $525,000 | $145,000 | $384,000 |
| Black or African American | 4 | $690,000 | $172,000 | $275,000 | $74,000 | $118,000 |
| Hispanic | 3 | $545,000 | $181,000 | $385,000 | $80,000 | $131,000 |
| American Indian or Alaskan Native | 1 | $235,000 | $235,000 | $235,000 | $0 | $0 |
| Asian | 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) | 219 | $51,375,000 | $234,000 | $4,905,000 | $133,000 | $878,000 |
| 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 | 142 | $32,120,000 | $226,000 | $3,845,000 | $156,000 | $878,000 |
| Application Approved But Not Accepted | 25 | $4,615,000 | $184,000 | $965,000 | $83,000 | $177,000 |
| Preapproval Approved but not Accepted | 24 | $5,790,000 | $241,000 | $555,000 | $114,000 | $384,000 |
| Application Denied By Financial Institution | 21 | $7,455,000 | $355,000 | $4,905,000 | $64,000 | $199,000 |
| Preapproval Denied by Financial Institution | 4 | $790,000 | $197,000 | $255,000 | $93,000 | $127,000 |
| Application Withdrawn By Applicant | 3 | $605,000 | $201,000 | $365,000 | $133,000 | $234,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 219 | $51,375,000 | $234,000 | $4,905,000 | $133,000 | $878,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank & Trust Co.'s 2025 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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