Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2022
In 2022, Peoples Bank & Trust Co. of Troy, MO reported 281 mortgage applications totaling $53.9 million. The average application was for $191,725, and applicants reported an average income of $103,355. 68% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (193) and Cape Girardeau, MO-IL (1).
| 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 | 281 |
| Total Mortgage Loan Application Amount | $53,875,000 |
| Average Mortgage Loan Application Amount | $191,725 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $103,355 |
| Highest Applicant Income | $478,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022
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 | 157 | $34,315,000 | $218,000 | $715,000 | $110,000 | $478,000 |
| Refinancing | 60 | $11,290,000 | $188,000 | $1,505,000 | $93,000 | $262,000 |
| Cash-out Refinancing | 33 | $6,145,000 | $186,000 | $495,000 | $93,000 | $159,000 |
| Home Improvement | 16 | $750,000 | $46,000 | $155,000 | $94,000 | $257,000 |
| Other Purpose | 15 | $1,375,000 | $91,000 | $425,000 | $108,000 | $414,000 |
| 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 | 211 | $39,725,000 | $188,000 | $715,000 | $102,000 | $478,000 |
| Not applicable | 48 | $9,630,000 | $200,000 | $1,505,000 | $0 | $0 |
| Not Provided | 17 | $3,595,000 | $211,000 | $455,000 | $131,000 | $300,000 |
| Hispanic | 2 | $430,000 | $215,000 | $235,000 | $109,000 | $158,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $71,000 | $71,000 |
| American Indian or Alaskan Native | 1 | $185,000 | $185,000 | $185,000 | $67,000 | $67,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $126,000 | $126,000 |
| Asian | 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) | 281 | $53,875,000 | $191,000 | $1,505,000 | $104,000 | $478,000 |
| 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 | 191 | $34,305,000 | $179,000 | $1,505,000 | $112,000 | $478,000 |
| Application Approved But Not Accepted | 41 | $10,255,000 | $250,000 | $495,000 | $100,000 | $226,000 |
| Preapproval Approved but not Accepted | 24 | $5,530,000 | $230,000 | $645,000 | $88,000 | $309,000 |
| Application Denied By Financial Institution | 19 | $2,915,000 | $153,000 | $425,000 | $72,000 | $168,000 |
| Preapproval Denied by Financial Institution | 4 | $490,000 | $122,000 | $225,000 | $54,000 | $71,000 |
| Application Withdrawn By Applicant | 2 | $380,000 | $190,000 | $205,000 | $61,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 258 | $50,470,000 | $195,000 | $1,505,000 | $107,000 | $478,000 |
| Debt-To-Income Ratio | 10 | $1,180,000 | $118,000 | $245,000 | $47,000 | $107,000 |
| Credit History | 9 | $1,305,000 | $145,000 | $425,000 | $79,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $255,000 | $142,000 | $142,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $54,000 | $54,000 |
| Collateral | 1 | $285,000 | $285,000 | $285,000 | $117,000 | $117,000 |
| Credit Application Incomplete | 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 2022 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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