Peoples Bank, National Associa Mortgage Lending & HMDA Data, 2005
In 2005, Peoples Bank, National Associa of Marietta, OH reported 1,838 mortgage applications totaling $138.1 million, down 18% from 2004. The average application was for $75,140, and applicants reported an average income of $53,709. 66% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Parkersburg-Marietta, WV-OH (237), Columbus, OH (51) and Huntington-Ashland, WV-KY-OH (24) (applications in parentheses).
| Mortgage Company & Address | Peoples Bank, National Associa 138 Putnam Street Marietta, OH 45750 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,838 |
| Total Mortgage Loan Application Amount | $138,108,000 |
| Average Mortgage Loan Application Amount | $75,140 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $53,709 |
| Highest Applicant Income | $2,060,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Bank, National Associa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Parkersburg-Marietta, WV-OH | 237 | $ 19,905,000 | $ 83,987 | $ 42,000 |
| Columbus, OH | 51 | $ 8,711,000 | $ 170,803 | $ 105,000 |
| Huntington-Ashland, WV-KY-OH | 24 | $ 4,406,000 | $ 183,583 | $ 54,000 |
| Charleston, WV | 4 | $ 899,000 | $ 224,750 | $ 78,000 |
| Wheeling, WV-OH | 3 | $ 220,000 | $ 73,333 | $ 56,000 |
| Baltimore-Towson, MD | 2 | $ 306,000 | $ 153,000 | $ 38,000 |
| Canton-Massillon, OH | 2 | $ 399,000 | $ 199,500 | $ 193,000 |
| Cincinnati-Middletown, OH-KY-IN | 2 | $ 448,000 | $ 224,000 | $ 42,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 209,000 | $ 209,000 | $ 192,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 10,000 | $ 10,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Peoples Bank, National Associa in 2005
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 | 814 | $73,041,000 | $99,571 | $2,600,000 | $75,142 | $2,060,000 |
| Refinancing | 664 | $53,841,000 | $80,666 | $720,000 | $48,666 | $324,000 |
| Home Improvement | 360 | $11,226,000 | $28,000 | $575,000 | $52,250 | $454,000 |
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 | 1,733 | $123,534,000 | $70,714 | $1,335,000 | $70,857 | $1,356,000 |
| Not applicable | 37 | $10,596,000 | $352,500 | $2,600,000 | $30,000 | $2,060,000 |
| Not Provided | 34 | $953,000 | $32,000 | $140,000 | $46,000 | $217,000 |
| Black or African American | 21 | $1,316,000 | $228,666 | $500,000 | $244,000 | $454,000 |
| Asian | 7 | $1,408,000 | $186,500 | $336,000 | $75,500 | $299,000 |
| American Indian or Alaskan Native | 3 | $183,000 | $61,000 | $116,000 | $56,000 | $71,000 |
| Hispanic | 2 | $115,000 | $57,500 | $95,000 | $96,000 | $168,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $3,000 | $3,000 | $3,000 | $21,000 | $21,000 |
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) | 1,838 | $138,108,000 | $82,375 | $2,600,000 | $67,750 | $2,060,000 |
| 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 | 1,215 | $100,766,000 | $89,714 | $2,600,000 | $77,857 | $2,060,000 |
| Application Denied By Financial Institution | 323 | $14,726,000 | $48,000 | $468,000 | $40,666 | $218,000 |
| Application Approved But Not Accepted | 240 | $18,699,000 | $78,333 | $1,335,000 | $72,000 | $1,356,000 |
| Application Withdrawn By Applicant | 51 | $3,209,000 | $60,333 | $190,000 | $46,000 | $168,000 |
| File Closed For Incompleteness | 5 | $488,000 | $74,666 | $350,000 | $33,000 | $76,000 |
| Preapproval Denied by Financial Institution | 4 | $220,000 | $55,000 | $70,000 | $24,000 | $41,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 208 | $7,953,000 | $46,250 | $249,000 | $35,000 | $218,000 |
| Debt-To-Income Ratio | 69 | $3,833,000 | $55,250 | $468,000 | $39,500 | $150,000 |
| Collateral | 30 | $2,139,000 | $66,333 | $260,000 | $46,666 | $205,000 |
| Employment History | 6 | $167,000 | $37,666 | $70,000 | $26,000 | $50,000 |
| Other | 5 | $329,000 | $53,500 | $112,000 | $38,000 | $83,000 |
| Unverifiable Information | 5 | $301,000 | $73,000 | $133,000 | $94,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $131,000 | $51,500 | $75,000 | $28,000 | $36,000 |
| Mortgage Insurance Denied | 1 | $93,000 | $93,000 | $93,000 | $69,000 | $69,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank, National Associa's 2005 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, National Associa'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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