Peoples Bank Mortgage Lending & HMDA Data, 2016

In 2016, Peoples Bank of Mendenhall, MS reported 654 mortgage applications totaling $130.6 million, up 101% from 2015. The average application was for $199,726, and applicants reported an average income of $87,773. 63% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Jackson, MS (164), Denver-Aurora-Lakewood, CO (21) and Tampa-St. Petersburg-Clearwater, FL (17) (applications in parentheses).

Mortgage Company & Address Peoples Bank
Po Box 7
Mendenhall, MS 39114
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 654
Total Mortgage Loan Application Amount $130,621,000
Average Mortgage Loan Application Amount $199,726
Highest Mortgage Loan Application Amount $1,224,000
Average Applicant Income $87,773
Highest Applicant Income $572,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Totals for Peoples Bank by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Simpson, Mississippi 87 $ 8,396,000 $ 96,505 $ 75,000
Rankin, Mississippi 51 $ 8,795,000 $ 172,450 $ 69,000
Covington, Mississippi 50 $ 6,946,000 $ 138,920 $ 64,000
Smith, Mississippi 18 $ 1,696,000 $ 94,222 $ 61,000
Hinds, Mississippi 14 $ 1,332,000 $ 95,142 $ 33,000
Charleston, South Carolina 13 $ 4,109,000 $ 316,076 $ 79,000
Maricopa, Arizona 11 $ 2,093,000 $ 190,272 $ 87,000
Los Angeles, California 11 $ 7,144,000 $ 649,454 $ 137,000
Jefferson Davis, Mississippi 11 $ 980,000 $ 89,090 $ 113,000
Riverside, California 9 $ 2,960,000 $ 328,888 $ 134,000
Miami-Dade, Florida 9 $ 1,709,000 $ 189,888 $ 120,000
Lafayette, Mississippi 9 $ 1,255,000 $ 139,444 $ 153,000
Contra Costa, California 8 $ 2,756,000 $ 344,500 $ 115,000
Broward, Florida 8 $ 2,143,000 $ 267,875 $ 98,000
Madison, Mississippi 8 $ 2,700,000 $ 337,500 $ 160,000
Clark, Nevada 8 $ 1,848,000 $ 231,000 $ 89,000
Hillsborough, Florida 7 $ 1,313,000 $ 187,571 $ 130,000
Oakland, Michigan 7 $ 1,067,000 $ 152,428 $ 77,000
Sacramento, California 6 $ 1,815,000 $ 302,500 $ 84,000
Palm Beach, Florida 6 $ 1,203,000 $ 200,500 $ 99,000
Allegheny, Pennsylvania 6 $ 1,151,000 $ 191,833 $ 126,000
Alameda, California 5 $ 2,212,000 $ 442,400 $ 136,000
San Bernardino, California 5 $ 1,351,000 $ 270,200 $ 81,000
Santa Clara, California 5 $ 2,241,000 $ 448,200 $ 176,000
Adams, Colorado 5 $ 849,000 $ 169,800 $ 66,000
Douglas, Colorado 5 $ 1,716,000 $ 343,200 $ 136,000
Pasco, Florida 5 $ 1,284,000 $ 256,800 $ 90,000
Pinellas, Florida 5 $ 853,000 $ 170,600 $ 74,000
Sarasota, Florida 5 $ 1,113,000 $ 222,600 $ 116,000
Middlesex, Massachusetts 5 $ 1,630,000 $ 326,000 $ 152,000
Worcester, Massachusetts 5 $ 825,000 $ 165,000 $ 91,000
Wayne, Michigan 5 $ 607,000 $ 121,400 $ 59,000
San Diego, California 4 $ 1,561,000 $ 390,250 $ 117,000
Denver, Colorado 4 $ 1,038,000 $ 259,500 $ 65,000
Brevard, Florida 4 $ 788,000 $ 197,000 $ 95,000
Lee, Florida 4 $ 589,000 $ 147,250 $ 57,000
Orange, Florida 4 $ 699,000 $ 174,750 $ 102,000
Copiah, Mississippi 4 $ 672,000 $ 168,000 $ 71,000
Lawrence, Mississippi 4 $ 225,000 $ 56,250 $ 98,000
Burlington, New Jersey 4 $ 1,321,000 $ 330,250 $ 77,000
Philadelphia, Pennsylvania 4 $ 584,000 $ 146,000 $ 59,000
Clark, Washington 4 $ 1,051,000 $ 262,750 $ 139,000
Arapahoe, Colorado 3 $ 632,000 $ 210,666 $ 55,000
Jefferson, Colorado 3 $ 777,000 $ 259,000 $ 61,000
Seminole, Florida 3 $ 696,000 $ 232,000 $ 100,000
York, Maine 3 $ 484,000 $ 161,333 $ 79,000
Macomb, Michigan 3 $ 560,000 $ 186,666 $ 90,000
Washtenaw, Michigan 3 $ 401,000 $ 133,666 $ 59,000
Comanche, Oklahoma 3 $ 251,000 $ 83,666 $ 101,000
Oklahoma, Oklahoma 3 $ 490,000 $ 163,333 $ 147,000
Multnomah, Oregon 3 $ 742,000 $ 247,333 $ 70,000
Washington, Oregon 3 $ 571,000 $ 190,333 $ 67,000
Montgomery, Pennsylvania 3 $ 641,000 $ 213,666 $ 72,000
Dorchester, South Carolina 3 $ 811,000 $ 270,333 $ 114,000
Harris, Texas 3 $ 488,000 $ 162,666 $ 65,000
Salt Lake, Utah 3 $ 423,000 $ 141,000 $ 58,000
Pierce, Washington 3 $ 625,000 $ 208,333 $ 105,000
Placer, California 2 $ 857,000 $ 428,500 $ 184,000
San Joaquin, California 2 $ 607,000 $ 303,500 $ 132,000
San Luis Obispo, California 2 $ 833,000 $ 416,500 $ 103,000
Shasta, California 2 $ 434,000 $ 217,000 $ 89,000
El Paso, Colorado 2 $ 460,000 $ 230,000 $ 22,000
Manatee, Florida 2 $ 505,000 $ 252,500 $ 114,000
Martin, Florida 2 $ 520,000 $ 260,000 $ 69,000
Monroe, Florida 2 $ 712,000 $ 356,000 $ 112,000
Latah, Idaho 2 $ 512,000 $ 256,000 $ 104,000
Plymouth, Massachusetts 2 $ 524,000 $ 262,000 $ 100,000
Genesee, Michigan 2 $ 339,000 $ 169,500 $ 120,000
Tuscola, Michigan 2 $ 335,000 $ 167,500 $ 76,000
Harrison, Mississippi 2 $ 185,000 $ 92,500 $ 90,000
Lamar, Mississippi 2 $ 260,000 $ 130,000 $ 45,000
Lee, Mississippi 2 $ 225,000 $ 112,500 $ 47,000
Oktibbeha, Mississippi 2 $ 314,000 $ 157,000 $ 0
Scott, Mississippi 2 $ 225,000 $ 112,500 $ 57,000
St. Louis, Missouri 2 $ 274,000 $ 137,000 $ 69,000
Washoe, Nevada 2 $ 571,000 $ 285,500 $ 99,000
Gloucester, New Jersey 2 $ 479,000 $ 239,500 $ 96,000
Monmouth, New Jersey 2 $ 785,000 $ 392,500 $ 132,000
Ocean, New Jersey 2 $ 607,000 $ 303,500 $ 103,000
Washington, Oklahoma 2 $ 250,000 $ 125,000 $ 65,000
Bucks, Pennsylvania 2 $ 625,000 $ 312,500 $ 84,000
Columbia, Pennsylvania 2 $ 207,000 $ 103,500 $ 75,000
Cumberland, Pennsylvania 2 $ 233,000 $ 116,500 $ 49,000
Pike, Pennsylvania 2 $ 318,000 $ 159,000 $ 90,000
Grayson, Texas 2 $ 274,000 $ 137,000 $ 90,000
Walworth, Wisconsin 2 $ 293,000 $ 146,500 $ 101,000
Waukesha, Wisconsin 2 $ 442,000 $ 221,000 $ 103,000
Pima, Arizona 1 $ 171,000 $ 171,000 $ 48,000
Saline, Arkansas 1 $ 169,000 $ 169,000 $ 88,000
Fresno, California 1 $ 183,000 $ 183,000 $ 46,000
Kern, California 1 $ 130,000 $ 130,000 $ 38,000
Orange, California 1 $ 690,000 $ 690,000 $ 137,000
San Benito, California 1 $ 590,000 $ 590,000 $ 139,000
San Mateo, California 1 $ 626,000 $ 626,000 $ 75,000
Solano, California 1 $ 259,000 $ 259,000 $ 68,000
Sonoma, California 1 $ 434,000 $ 434,000 $ 112,000
Stanislaus, California 1 $ 243,000 $ 243,000 $ 229,000
Ventura, California 1 $ 506,000 $ 506,000 $ 128,000
Broomfield, Colorado 1 $ 309,000 $ 309,000 $ 71,000
Larimer, Colorado 1 $ 445,000 $ 445,000 $ 91,000
Morgan, Colorado 1 $ 114,000 $ 114,000 $ 64,000
Pueblo, Colorado 1 $ 275,000 $ 275,000 $ 109,000
New Haven, Connecticut 1 $ 137,000 $ 137,000 $ 61,000
Bay, Florida 1 $ 61,000 $ 61,000 $ 32,000
Charlotte, Florida 1 $ 190,000 $ 190,000 $ 117,000
Clay, Florida 1 $ 323,000 $ 323,000 $ 131,000
Leon, Florida 1 $ 367,000 $ 367,000 $ 148,000
Levy, Florida 1 $ 190,000 $ 190,000 $ 78,000
Nassau, Florida 1 $ 199,000 $ 199,000 $ 145,000
Osceola, Florida 1 $ 338,000 $ 338,000 $ 193,000
St. Lucie, Florida 1 $ 140,000 $ 140,000 $ 44,000
Suwannee, Florida 1 $ 56,000 $ 56,000 $ 29,000
Hall, Georgia 1 $ 200,000 $ 200,000 $ 40,000
Whiteside, Illinois 1 $ 109,000 $ 109,000 $ 33,000
Polk, Iowa 1 $ 269,000 $ 269,000 $ 105,000
Androscoggin, Maine 1 $ 196,000 $ 196,000 $ 77,000
Penobscot, Maine 1 $ 248,000 $ 248,000 $ 72,000
Bristol, Massachusetts 1 $ 258,000 $ 258,000 $ 95,000
Hampden, Massachusetts 1 $ 206,000 $ 206,000 $ 146,000
Charlevoix, Michigan 1 $ 110,000 $ 110,000 $ 19,000
Clare, Michigan 1 $ 111,000 $ 111,000 $ 54,000
Ionia, Michigan 1 $ 162,000 $ 162,000 $ 98,000
Kalamazoo, Michigan 1 $ 157,000 $ 157,000 $ 96,000
Kent, Michigan 1 $ 99,000 $ 99,000 $ 47,000
Livingston, Michigan 1 $ 166,000 $ 166,000 $ 79,000
Montcalm, Michigan 1 $ 150,000 $ 150,000 $ 88,000
Sanilac, Michigan 1 $ 126,000 $ 126,000 $ 72,000
Hennepin, Minnesota 1 $ 256,000 $ 256,000 $ 180,000
Stearns, Minnesota 1 $ 142,000 $ 142,000 $ 126,000
Washington, Minnesota 1 $ 166,000 $ 166,000 $ 105,000
Clarke, Mississippi 1 $ 137,000 $ 137,000 $ 78,000
Forrest, Mississippi 1 $ 602,000 $ 602,000 $ 0
Hancock, Mississippi 1 $ 280,000 $ 280,000 $ 0
Leflore, Mississippi 1 $ 41,000 $ 41,000 $ 92,000
Marion, Mississippi 1 $ 19,000 $ 19,000 $ 31,000
Perry, Mississippi 1 $ 843,000 $ 843,000 $ 0
Pike, Mississippi 1 $ 123,000 $ 123,000 $ 61,000
Cass, Missouri 1 $ 149,000 $ 149,000 $ 82,000
Scotts Bluff, Nebraska 1 $ 148,000 $ 148,000 $ 74,000
Rockingham, New Hampshire 1 $ 125,000 $ 125,000 $ 29,000
Passaic, New Jersey 1 $ 378,000 $ 378,000 $ 201,000
Onondaga, New York 1 $ 264,000 $ 264,000 $ 78,000
Johnston, North Carolina 1 $ 290,000 $ 290,000 $ 123,000
Polk, North Carolina 1 $ 227,000 $ 227,000 $ 347,000
Wilkes, North Carolina 1 $ 117,000 $ 117,000 $ 70,000
Franklin, Ohio 1 $ 255,000 $ 255,000 $ 108,000
Lucas, Ohio 1 $ 151,000 $ 151,000 $ 51,000
Creek, Oklahoma 1 $ 137,000 $ 137,000 $ 36,000
Tulsa, Oklahoma 1 $ 145,000 $ 145,000 $ 97,000
Clackamas, Oregon 1 $ 335,000 $ 335,000 $ 107,000
Josephine, Oregon 1 $ 200,000 $ 200,000 $ 55,000
Klamath, Oregon 1 $ 154,000 $ 154,000 $ 48,000
Adams, Pennsylvania 1 $ 563,000 $ 563,000 $ 138,000
Armstrong, Pennsylvania 1 $ 201,000 $ 201,000 $ 134,000
Beaver, Pennsylvania 1 $ 194,000 $ 194,000 $ 110,000
Butler, Pennsylvania 1 $ 146,000 $ 146,000 $ 76,000
Crawford, Pennsylvania 1 $ 97,000 $ 97,000 $ 49,000
Delaware, Pennsylvania 1 $ 234,000 $ 234,000 $ 109,000
Greene, Pennsylvania 1 $ 121,000 $ 121,000 $ 144,000
Lancaster, Pennsylvania 1 $ 303,000 $ 303,000 $ 129,000
Lehigh, Pennsylvania 1 $ 248,000 $ 248,000 $ 135,000
Luzerne, Pennsylvania 1 $ 107,000 $ 107,000 $ 34,000
Monroe, Pennsylvania 1 $ 138,000 $ 138,000 $ 135,000
Northumberland, Pennsylvania 1 $ 114,000 $ 114,000 $ 41,000
Washington, Pennsylvania 1 $ 202,000 $ 202,000 $ 45,000
Horry, South Carolina 1 $ 187,000 $ 187,000 $ 91,000
York, South Carolina 1 $ 203,000 $ 203,000 $ 77,000
Shelby, Tennessee 1 $ 295,000 $ 295,000 $ 323,000
Williamson, Tennessee 1 $ 251,000 $ 251,000 $ 62,000
Bexar, Texas 1 $ 138,000 $ 138,000 $ 128,000
Brazoria, Texas 1 $ 262,000 $ 262,000 $ 168,000
Denton, Texas 1 $ 274,000 $ 274,000 $ 86,000
Fort Bend, Texas 1 $ 221,000 $ 221,000 $ 150,000
Tarrant, Texas 1 $ 144,000 $ 144,000 $ 114,000
Webb, Texas 1 $ 82,000 $ 82,000 $ 40,000
Summit, Utah 1 $ 388,000 $ 388,000 $ 75,000
Washington, Utah 1 $ 265,000 $ 265,000 $ 134,000
Surry, Virginia 1 $ 138,000 $ 138,000 $ 0
Benton, Washington 1 $ 276,000 $ 276,000 $ 104,000
King, Washington 1 $ 341,000 $ 341,000 $ 98,000
Pend Oreille, Washington 1 $ 200,000 $ 200,000 $ 91,000
Snohomish, Washington 1 $ 268,000 $ 268,000 $ 117,000
Milwaukee, Wisconsin 1 $ 99,000 $ 99,000 $ 19,000
Portage, Wisconsin 1 $ 108,000 $ 108,000 $ 39,000

Mortgage Loan Application Detail Totals for Peoples Bank in 2016

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 320 $67,020,000 $209,000 $1,224,000 $91,000 $572,000
Home Purchase 222 $40,501,000 $182,000 $1,031,000 $82,000 $390,000
Home Improvement 112 $23,100,000 $206,000 $801,000 $90,000 $448,000

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 500 $96,915,000 $193,000 $719,000 $94,000 $572,000
Black or African American 66 $12,607,000 $191,000 $1,031,000 $85,000 $267,000
Not applicable 35 $9,369,000 $267,000 $1,224,000 $0 $0
Hispanic 32 $7,119,000 $222,000 $521,000 $83,000 $156,000
Asian 9 $2,279,000 $253,000 $392,000 $123,000 $254,000
Not Provided 8 $1,507,000 $188,000 $434,000 $127,000 $390,000
American Indian or Alaskan Native 2 $14,000 $7,000 $11,000 $8,000 $17,000
Native Hawaiin or Other Pacific Islander 2 $811,000 $405,000 $506,000 $113,000 $128,000

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) 293 $46,908,000 $160,000 $1,224,000 $83,000 $572,000
FHA-insured (Federal Housing Administration) 274 $62,303,000 $227,000 $1,031,000 $92,000 $330,000
VA-guaranteed (Veterans Administration) 79 $20,280,000 $256,000 $690,000 $93,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,130,000 $141,000 $190,000 $55,000 $72,000

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 414 $79,871,000 $192,000 $1,224,000 $86,000 $572,000
Application Denied By Financial Institution 114 $22,546,000 $197,000 $801,000 $86,000 $390,000
Application Withdrawn By Applicant 105 $24,077,000 $229,000 $1,031,000 $100,000 $267,000
File Closed For Incompleteness 11 $2,278,000 $207,000 $323,000 $91,000 $211,000
Application Approved But Not Accepted 10 $1,849,000 $184,000 $367,000 $65,000 $148,000
Loan Purchased By The Institution 0 $0 $0 $0 $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's 2016 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'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 Mississippi, download the full spreadsheet with aggregated HMDA statistics today.

Download the Mississippi Lender List