Peoples Bank & Trust Co. Mortgage Lending & HMDA Data, 2023
In 2023, Peoples Bank & Trust Co. of Troy, MO reported 211 mortgage applications totaling $42.8 million, down 25% from 2022. The average application was for $202,819, and applicants reported an average income of $126,213. 65% of its applications resulted in an originated loan and 7% were denied. Its largest markets were St. Louis, MO-IL (141), Jefferson City, MO (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 | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 211 |
| Total Mortgage Loan Application Amount | $42,795,000 |
| Average Mortgage Loan Application Amount | $202,819 |
| Highest Mortgage Loan Application Amount | $3,205,000 |
| Average Applicant Income | $126,213 |
| Highest Applicant Income | $911,000 |
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(HMDA) records Peoples Bank & Trust Co. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 120 | $28,060,000 | $233,000 | $3,205,000 | $112,000 | $911,000 |
| Refinancing | 44 | $11,730,000 | $266,000 | $2,905,000 | $195,000 | $538,000 |
| Other Purpose | 23 | $1,125,000 | $48,000 | $125,000 | $89,000 | $191,000 |
| Home Improvement | 19 | $955,000 | $50,000 | $115,000 | $111,000 | $217,000 |
| Cash-out Refinancing | 5 | $925,000 | $185,000 | $365,000 | $91,000 | $199,000 |
| 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 | 168 | $26,610,000 | $158,000 | $725,000 | $122,000 | $911,000 |
| Not applicable | 36 | $15,010,000 | $416,000 | $3,205,000 | $0 | $0 |
| Not Provided | 6 | $940,000 | $156,000 | $455,000 | $118,000 | $191,000 |
| Black or African American | 1 | $235,000 | $235,000 | $235,000 | $55,000 | $55,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 211 | $42,795,000 | $202,000 | $3,205,000 | $121,000 | $911,000 |
| 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 | 137 | $29,005,000 | $211,000 | $3,205,000 | $143,000 | $911,000 |
| Preapproval Approved but not Accepted | 22 | $3,390,000 | $154,000 | $355,000 | $91,000 | $204,000 |
| Application Approved But Not Accepted | 22 | $5,310,000 | $241,000 | $645,000 | $107,000 | $220,000 |
| Application Denied By Financial Institution | 15 | $2,215,000 | $147,000 | $455,000 | $77,000 | $191,000 |
| Preapproval Denied by Financial Institution | 12 | $2,260,000 | $188,000 | $405,000 | $59,000 | $94,000 |
| Application Withdrawn By Applicant | 3 | $615,000 | $205,000 | $365,000 | $152,000 | $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 | 211 | $42,795,000 | $202,000 | $3,205,000 | $121,000 | $911,000 |
| 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 2023 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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