Peoples Bank Mortgage Lending & HMDA Data, 2017
In 2017, Peoples Bank of Mendenhall, MS reported 812 mortgage applications totaling $159.9 million, up 24% from 2016. The average application was for $196,963, and applicants reported an average income of $83,830. 60% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Jackson, MS (171), Tampa-St. Petersburg-Clearwater, FL (20) and Los Angeles-Long Beach-Glendale, CA (18) (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 | 812 |
| Total Mortgage Loan Application Amount | $159,934,000 |
| Average Mortgage Loan Application Amount | $196,963 |
| Highest Mortgage Loan Application Amount | $1,607,000 |
| Average Applicant Income | $83,830 |
| Highest Applicant Income | $837,000 |
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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jackson, MS | 171 | $ 25,607,000 | $ 149,748 | $ 64,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 4,600,000 | $ 230,000 | $ 82,000 |
| Los Angeles-Long Beach-Glendale, CA | 18 | $ 6,188,000 | $ 343,777 | $ 116,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 2,996,000 | $ 199,733 | $ 99,000 |
| Charleston-North Charleston, SC | 14 | $ 3,216,000 | $ 229,714 | $ 73,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 2,884,000 | $ 221,846 | $ 106,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 3,184,000 | $ 244,923 | $ 91,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 2,715,000 | $ 246,818 | $ 93,000 |
| Oakland-Hayward-Berkeley, CA | 11 | $ 3,498,000 | $ 318,000 | $ 98,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 11 | $ 3,216,000 | $ 292,363 | $ 90,000 |
| Hattiesburg, MS | 10 | $ 1,131,000 | $ 113,100 | $ 60,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 1,741,000 | $ 193,444 | $ 112,000 |
| Detroit-Dearborn-Livonia, MI | 8 | $ 1,344,000 | $ 168,000 | $ 123,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 2,666,000 | $ 333,250 | $ 109,000 |
| Warren-Troy-Farmington Hills, MI | 8 | $ 1,196,000 | $ 149,500 | $ 85,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,672,000 | $ 209,000 | $ 76,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 2,017,000 | $ 288,142 | $ 85,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 1,503,000 | $ 214,714 | $ 96,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,529,000 | $ 218,428 | $ 130,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 2,115,000 | $ 302,142 | $ 107,000 |
| Kansas City, MO-KS | 7 | $ 1,058,000 | $ 151,142 | $ 101,714 |
| St. Louis, MO-IL | 7 | $ 1,438,000 | $ 205,428 | $ 80,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 1,147,000 | $ 191,166 | $ 71,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,142,000 | $ 190,333 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,234,000 | $ 205,666 | $ 85,000 |
| Philadelphia, PA | 6 | $ 1,419,000 | $ 236,500 | $ 78,000 |
| Providence-Warwick, RI-MA | 6 | $ 1,543,000 | $ 257,166 | $ 92,833 |
| Anaheim-Santa Ana-Irvine, CA | 5 | $ 1,660,000 | $ 332,000 | $ 138,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 1,655,000 | $ 331,000 | $ 96,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,142,000 | $ 228,400 | $ 87,000 |
| Dutchess County-Putnam County, NY | 5 | $ 1,075,000 | $ 215,000 | $ 91,000 |
| Nassau County-Suffolk County, NY | 5 | $ 1,834,000 | $ 366,800 | $ 156,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,563,000 | $ 312,600 | $ 124,000 |
| Oklahoma City, OK | 5 | $ 867,000 | $ 173,400 | $ 90,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 866,000 | $ 173,200 | $ 95,200 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 903,000 | $ 180,600 | $ 77,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,190,000 | $ 238,000 | $ 74,200 |
| San Diego-Carlsbad, CA | 5 | $ 2,048,000 | $ 409,600 | $ 132,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 833,000 | $ 208,250 | $ 105,000 |
| Camden, NJ | 4 | $ 559,000 | $ 139,750 | $ 70,000 |
| Jacksonville, FL | 4 | $ 939,000 | $ 234,750 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,129,000 | $ 282,250 | $ 114,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 940,000 | $ 235,000 | $ 141,000 |
| Worcester, MA-CT | 4 | $ 848,000 | $ 212,000 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 605,000 | $ 201,666 | $ 110,666 |
| Ann Arbor, MI | 3 | $ 529,000 | $ 176,333 | $ 60,000 |
| Boston, MA | 3 | $ 637,000 | $ 212,333 | $ 66,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 546,000 | $ 182,000 | $ 80,000 |
| Ocala, FL | 3 | $ 559,000 | $ 186,333 | $ 68,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,387,000 | $ 462,333 | $ 115,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 673,000 | $ 224,333 | $ 151,000 |
| Redding, CA | 3 | $ 805,000 | $ 268,333 | $ 97,000 |
| Rochester, NY | 3 | $ 412,000 | $ 137,333 | $ 80,000 |
| Salt Lake City, UT | 3 | $ 500,000 | $ 166,666 | $ 62,000 |
| San Antonio-New Braunfels, TX | 3 | $ 581,000 | $ 193,666 | $ 76,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 2,129,000 | $ 709,666 | $ 123,000 |
| San Rafael, CA | 3 | $ 1,548,000 | $ 516,000 | $ 145,000 |
| Tacoma-Lakewood, WA | 3 | $ 830,000 | $ 276,666 | $ 105,000 |
| Tucson, AZ | 3 | $ 623,000 | $ 207,666 | $ 86,000 |
| York-Hanover, PA | 3 | $ 591,000 | $ 197,000 | $ 99,000 |
| Albuquerque, NM | 2 | $ 237,000 | $ 118,500 | $ 55,000 |
| Carson City, NV | 2 | $ 502,000 | $ 251,000 | $ 101,000 |
| Colorado Springs, CO | 2 | $ 376,000 | $ 188,000 | $ 102,000 |
| Flint, MI | 2 | $ 206,000 | $ 103,000 | $ 74,000 |
| Fort Collins, CO | 2 | $ 406,000 | $ 203,000 | $ 98,000 |
| Fresno, CA | 2 | $ 294,000 | $ 147,000 | $ 58,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 338,000 | $ 169,000 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 304,000 | $ 152,000 | $ 97,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 472,000 | $ 236,000 | $ 81,000 |
| Lakeland-Winter Haven, FL | 2 | $ 307,000 | $ 153,500 | $ 98,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 421,000 | $ 210,500 | $ 121,000 |
| Memphis, TN-MS-AR | 2 | $ 340,000 | $ 170,000 | $ 128,000 |
| Modesto, CA | 2 | $ 467,000 | $ 233,500 | $ 83,000 |
| Monroe, MI | 2 | $ 301,000 | $ 150,500 | $ 72,000 |
| Newark, NJ-PA | 2 | $ 671,000 | $ 335,500 | $ 180,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 368,000 | $ 184,000 | $ 118,000 |
| Pittsfield, MA | 2 | $ 414,000 | $ 207,000 | $ 97,000 |
| Punta Gorda, FL | 2 | $ 339,000 | $ 169,500 | $ 43,000 |
| Reading, PA | 2 | $ 241,000 | $ 120,500 | $ 81,000 |
| Rockingham County-Strafford County, NH | 2 | $ 351,000 | $ 175,500 | $ 78,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 817,000 | $ 408,500 | $ 103,000 |
| Santa Rosa, CA | 2 | $ 920,000 | $ 460,000 | $ 179,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 376,000 | $ 188,000 | $ 96,000 |
| Urban Honolulu, HI | 2 | $ 525,000 | $ 262,500 | $ 129,000 |
| Wilmington, DE-MD-NJ | 2 | $ 234,000 | $ 117,000 | $ 60,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 309,000 | $ 154,500 | $ 57,000 |
| Abilene, TX | 1 | $ 280,000 | $ 280,000 | $ 79,000 |
| Albany, OR | 1 | $ 117,000 | $ 117,000 | $ 35,000 |
| Asheville, NC | 1 | $ 277,000 | $ 277,000 | $ 56,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 96,000 | $ 96,000 | $ 65,000 |
| Austin-Round Rock, TX | 1 | $ 187,000 | $ 187,000 | $ 83,000 |
| Barnstable Town, MA | 1 | $ 179,000 | $ 179,000 | $ 152,000 |
| Baton Rouge, LA | 1 | $ 200,000 | $ 200,000 | $ 85,000 |
| Beaumont-Port Arthur, TX | 1 | $ 110,000 | $ 110,000 | $ 59,000 |
| Bellingham, WA | 1 | $ 324,000 | $ 324,000 | $ 119,000 |
| Bloomsburg-Berwick, PA | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Boise City, ID | 1 | $ 186,000 | $ 186,000 | $ 86,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 125,000 | $ 125,000 | $ 106,000 |
| Charlottesville, VA | 1 | $ 372,000 | $ 372,000 | $ 155,000 |
| Cleveland-Elyria, OH | 1 | $ 94,000 | $ 94,000 | $ 167,000 |
| Corpus Christi, TX | 1 | $ 134,000 | $ 134,000 | $ 55,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 51,000 | $ 51,000 | $ 75,000 |
| El Paso, TX | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Eugene, OR | 1 | $ 254,000 | $ 254,000 | $ 102,000 |
| Fairbanks, AK | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 199,000 | $ 199,000 | $ 173,000 |
| Gainesville, GA | 1 | $ 132,000 | $ 132,000 | $ 29,000 |
| Harrisburg-Carlisle, PA | 1 | $ 174,000 | $ 174,000 | $ 68,000 |
| Homosassa Springs, FL | 1 | $ 172,000 | $ 172,000 | $ 130,000 |
| Huntsville, AL | 1 | $ 201,000 | $ 201,000 | $ 112,000 |
| Janesville-Beloit, WI | 1 | $ 270,000 | $ 270,000 | $ 56,000 |
| Killeen-Temple, TX | 1 | $ 168,000 | $ 168,000 | $ 90,000 |
| Knoxville, TN | 1 | $ 288,000 | $ 288,000 | $ 61,000 |
| Lancaster, PA | 1 | $ 239,000 | $ 239,000 | $ 122,000 |
| Lansing-East Lansing, MI | 1 | $ 189,000 | $ 189,000 | $ 109,000 |
| Laredo, TX | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 128,000 | $ 128,000 | $ 30,000 |
| Lexington-Fayette, KY | 1 | $ 418,000 | $ 418,000 | $ 177,000 |
| Lubbock, TX | 1 | $ 142,000 | $ 142,000 | $ 124,000 |
| Madison, WI | 1 | $ 231,000 | $ 231,000 | $ 56,000 |
| Medford, OR | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 177,000 | $ 177,000 | $ 91,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 98,000 | $ 98,000 | $ 60,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 320,000 | $ 320,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 300,000 | $ 300,000 | $ 90,000 |
| Port St. Lucie, FL | 1 | $ 103,000 | $ 103,000 | $ 29,000 |
| Prescott, AZ | 1 | $ 263,000 | $ 263,000 | $ 94,000 |
| Reno, NV | 1 | $ 212,000 | $ 212,000 | $ 39,000 |
| Rochester, MN | 1 | $ 189,000 | $ 189,000 | $ 85,000 |
| Salem, OR | 1 | $ 265,000 | $ 265,000 | $ 146,000 |
| Salinas, CA | 1 | $ 407,000 | $ 407,000 | $ 29,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 310,000 | $ 310,000 | $ 88,000 |
| Savannah, GA | 1 | $ 393,000 | $ 393,000 | $ 76,000 |
| Spokane-Spokane Valley, WA | 1 | $ 280,000 | $ 280,000 | $ 91,000 |
| Springfield, MA | 1 | $ 190,000 | $ 190,000 | $ 118,000 |
| Stockton-Lodi, CA | 1 | $ 239,000 | $ 239,000 | $ 49,000 |
| Tallahassee, FL | 1 | $ 106,000 | $ 106,000 | $ 41,000 |
| Topeka, KS | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Tulsa, OK | 1 | $ 131,000 | $ 131,000 | $ 115,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 371,000 | $ 371,000 | $ 127,000 |
| Wenatchee, WA | 1 | $ 193,000 | $ 193,000 | $ 108,000 |
| Wichita, KS | 1 | $ 157,000 | $ 157,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Peoples Bank in 2017
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 | 326 | $71,165,000 | $218,000 | $1,607,000 | $84,000 | $237,000 |
| Home Purchase | 295 | $49,321,000 | $167,000 | $717,000 | $79,000 | $837,000 |
| Home Improvement | 191 | $39,448,000 | $206,000 | $749,000 | $91,000 | $247,000 |
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 | 572 | $107,102,000 | $187,000 | $717,000 | $87,000 | $483,000 |
| Black or African American | 101 | $15,560,000 | $154,000 | $553,000 | $82,000 | $837,000 |
| Hispanic | 44 | $9,523,000 | $216,000 | $501,000 | $87,000 | $233,000 |
| Not Provided | 44 | $11,339,000 | $257,000 | $562,000 | $96,000 | $229,000 |
| Not applicable | 30 | $9,921,000 | $330,000 | $1,607,000 | $0 | $0 |
| Asian | 13 | $4,714,000 | $362,000 | $820,000 | $120,000 | $213,000 |
| American Indian or Alaskan Native | 5 | $1,136,000 | $227,000 | $329,000 | $85,000 | $105,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $639,000 | $213,000 | $254,000 | $66,000 | $115,000 |
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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 410 | $90,225,000 | $220,000 | $636,000 | $93,000 | $247,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 322 | $50,947,000 | $158,000 | $1,607,000 | $74,000 | $837,000 |
| VA-guaranteed (Veterans Administration) | 64 | $16,805,000 | $262,000 | $820,000 | $84,000 | $224,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,957,000 | $122,000 | $222,000 | $51,000 | $153,000 |
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 | 484 | $95,435,000 | $197,000 | $1,607,000 | $85,000 | $837,000 |
| Application Denied By Financial Institution | 180 | $34,199,000 | $189,000 | $636,000 | $76,000 | $233,000 |
| Application Withdrawn By Applicant | 71 | $16,606,000 | $233,000 | $820,000 | $95,000 | $237,000 |
| Application Approved But Not Accepted | 48 | $8,128,000 | $169,000 | $583,000 | $81,000 | $159,000 |
| File Closed For Incompleteness | 29 | $5,566,000 | $191,000 | $501,000 | $92,000 | $216,000 |
| 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 2017 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.
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