Peoples Bank Mortgage Lending & HMDA Data, 2019

In 2019, Peoples Bank of Munster, IN reported 1,180 mortgage applications totaling $195.4 million, up 43% from 2018. The average application was for $165,550, and applicants reported an average income of $101,439. 48% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Gary, IN (507), Chicago-Naperville, IL (182) and Warren-Troy-Farmington Hills, MI (17) (applications in parentheses).

Mortgage Company & Address Peoples Bank
9204 Columbia Ave.
Munster, IN 46321
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 1,180
Total Mortgage Loan Application Amount $195,350,000
Average Mortgage Loan Application Amount $165,550
Highest Mortgage Loan Application Amount $1,665,000
Average Applicant Income $101,439
Highest Applicant Income $1,471,000

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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lake, Indiana 446 $ 90,530,000 $ 202,982 $ 119,000
Cook, Illinois 124 $ 26,640,000 $ 214,838 $ 107,000
Porter, Indiana 54 $ 12,100,000 $ 224,074 $ 115,000
Will, Illinois 51 $ 10,185,000 $ 199,705 $ 90,000
LaPorte, Indiana 9 $ 1,955,000 $ 217,222 $ 124,000
Lake, Illinois 8 $ 3,930,000 $ 491,250 $ 383,000
Oakland, Michigan 8 $ 270,000 $ 33,750 $ 0
Kent, Michigan 7 $ 245,000 $ 35,000 $ 0
Macomb, Michigan 7 $ 215,000 $ 30,714 $ 0
DuPage, Illinois 6 $ 1,830,000 $ 305,000 $ 187,000
Jasper, Indiana 6 $ 1,070,000 $ 178,333 $ 78,000
Berks, Pennsylvania 5 $ 235,000 $ 47,000 $ 0
Dauphin, Pennsylvania 5 $ 185,000 $ 37,000 $ 0
Anne Arundel, Maryland 4 $ 180,000 $ 45,000 $ 0
Ottawa, Michigan 4 $ 260,000 $ 65,000 $ 0
Anoka, Minnesota 4 $ 150,000 $ 37,500 $ 0
Saratoga, New York 4 $ 270,000 $ 67,500 $ 0
Wood, Ohio 4 $ 140,000 $ 35,000 $ 0
Westmoreland, Pennsylvania 4 $ 200,000 $ 50,000 $ 0
York, Pennsylvania 4 $ 140,000 $ 35,000 $ 0
Sedgwick, Kansas 3 $ 285,000 $ 95,000 $ 0
Allegan, Michigan 3 $ 115,000 $ 38,333 $ 0
Lenawee, Michigan 3 $ 65,000 $ 21,666 $ 0
Licking, Ohio 3 $ 115,000 $ 38,333 $ 0
Bucks, Pennsylvania 3 $ 95,000 $ 31,666 $ 0
Cumberland, Pennsylvania 3 $ 105,000 $ 35,000 $ 0
Lancaster, Pennsylvania 3 $ 145,000 $ 48,333 $ 0
Pima, Arizona 2 $ 570,000 $ 285,000 $ 221,000
Arapahoe, Colorado 2 $ 90,000 $ 45,000 $ 0
Boulder, Colorado 2 $ 100,000 $ 50,000 $ 0
Broward, Florida 2 $ 880,000 $ 440,000 $ 169,000
Martin, Florida 2 $ 350,000 $ 175,000 $ 0
Kankakee, Illinois 2 $ 280,000 $ 140,000 $ 71,000
Kendall, Illinois 2 $ 510,000 $ 255,000 $ 123,000
Hamilton, Indiana 2 $ 370,000 $ 185,000 $ 96,000
Starke, Indiana 2 $ 360,000 $ 180,000 $ 92,000
White, Indiana 2 $ 290,000 $ 145,000 $ 81,000
Hopkins, Kentucky 2 $ 170,000 $ 85,000 $ 0
Clinton, Michigan 2 $ 70,000 $ 35,000 $ 0
Genesee, Michigan 2 $ 110,000 $ 55,000 $ 73,000
Hillsdale, Michigan 2 $ 40,000 $ 20,000 $ 0
Monroe, Michigan 2 $ 50,000 $ 25,000 $ 0
Dakota, Minnesota 2 $ 150,000 $ 75,000 $ 0
Atlantic, New Jersey 2 $ 120,000 $ 60,000 $ 0
Burlington, New Jersey 2 $ 180,000 $ 90,000 $ 0
Delaware, New York 2 $ 200,000 $ 100,000 $ 0
Franklin, Ohio 2 $ 90,000 $ 45,000 $ 0
Adams, Pennsylvania 2 $ 60,000 $ 30,000 $ 0
Chester, Pennsylvania 2 $ 60,000 $ 30,000 $ 0
Franklin, Pennsylvania 2 $ 90,000 $ 45,000 $ 0
Luzerne, Pennsylvania 2 $ 80,000 $ 40,000 $ 0
Harris, Texas 2 $ 450,000 $ 225,000 $ 147,000
Poquoson, Virginia 2 $ 110,000 $ 55,000 $ 0
Mingo, West Virginia 2 $ 140,000 $ 70,000 $ 0
Eau Claire, Wisconsin 2 $ 90,000 $ 45,000 $ 0
Shawano, Wisconsin 2 $ 40,000 $ 20,000 $ 0
Washington, Wisconsin 2 $ 70,000 $ 35,000 $ 0
Adams, Colorado 1 $ 45,000 $ 45,000 $ 0
El Paso, Colorado 1 $ 75,000 $ 75,000 $ 0
La Plata, Colorado 1 $ 35,000 $ 35,000 $ 0
Mesa, Colorado 1 $ 35,000 $ 35,000 $ 0
Montrose, Colorado 1 $ 65,000 $ 65,000 $ 0
Kent, Delaware 1 $ 15,000 $ 15,000 $ 0
Sussex, Delaware 1 $ 65,000 $ 65,000 $ 0
Collier, Florida 1 $ 205,000 $ 205,000 $ 126,000
Lake, Florida 1 $ 185,000 $ 185,000 $ 0
Pinellas, Florida 1 $ 165,000 $ 165,000 $ 218,000
Ada, Idaho 1 $ 35,000 $ 35,000 $ 0
Franklin, Idaho 1 $ 55,000 $ 55,000 $ 0
Kootenai, Idaho 1 $ 65,000 $ 65,000 $ 0
Washington, Idaho 1 $ 25,000 $ 25,000 $ 0
Adams, Illinois 1 $ 125,000 $ 125,000 $ 43,000
Champaign, Illinois 1 $ 25,000 $ 25,000 $ 0
Grundy, Illinois 1 $ 145,000 $ 145,000 $ 67,000
LaSalle, Illinois 1 $ 215,000 $ 215,000 $ 59,000
Marion, Illinois 1 $ 85,000 $ 85,000 $ 0
Sangamon, Illinois 1 $ 85,000 $ 85,000 $ 0
St. Clair, Illinois 1 $ 105,000 $ 105,000 $ 0
Monroe, Indiana 1 $ 55,000 $ 55,000 $ 0
Newton, Indiana 1 $ 65,000 $ 65,000 $ 405,000
Parke, Indiana 1 $ 165,000 $ 165,000 $ 105,000
Shelby, Indiana 1 $ 85,000 $ 85,000 $ 925,000
Allamakee, Iowa 1 $ 55,000 $ 55,000 $ 0
Buchanan, Iowa 1 $ 65,000 $ 65,000 $ 0
Lee, Iowa 1 $ 55,000 $ 55,000 $ 0
Pottawattamie, Iowa 1 $ 65,000 $ 65,000 $ 0
Bourbon, Kansas 1 $ 35,000 $ 35,000 $ 0
Cowley, Kansas 1 $ 155,000 $ 155,000 $ 0
Linn, Kansas 1 $ 45,000 $ 45,000 $ 0
Pottawatomie, Kansas 1 $ 25,000 $ 25,000 $ 0
Shawnee, Kansas 1 $ 45,000 $ 45,000 $ 0
Knox, Kentucky 1 $ 85,000 $ 85,000 $ 0
Laurel, Kentucky 1 $ 65,000 $ 65,000 $ 0
Ohio, Kentucky 1 $ 95,000 $ 95,000 $ 0
Wayne, Kentucky 1 $ 65,000 $ 65,000 $ 0
Webster, Kentucky 1 $ 105,000 $ 105,000 $ 0
Baltimore, Maryland 1 $ 45,000 $ 45,000 $ 0
Washington, Maryland 1 $ 15,000 $ 15,000 $ 0
Berrien, Michigan 1 $ 135,000 $ 135,000 $ 35,000
Cass, Michigan 1 $ 105,000 $ 105,000 $ 180,000
Eaton, Michigan 1 $ 35,000 $ 35,000 $ 0
Isabella, Michigan 1 $ 55,000 $ 55,000 $ 0
Livingston, Michigan 1 $ 45,000 $ 45,000 $ 0
Mason, Michigan 1 $ 265,000 $ 265,000 $ 317,000
Missaukee, Michigan 1 $ 65,000 $ 65,000 $ 0
St. Clair, Michigan 1 $ 55,000 $ 55,000 $ 0
Washtenaw, Michigan 1 $ 55,000 $ 55,000 $ 0
Wayne, Michigan 1 $ 65,000 $ 65,000 $ 0
Benton, Minnesota 1 $ 155,000 $ 155,000 $ 0
Chisago, Minnesota 1 $ 75,000 $ 75,000 $ 0
Kanabec, Minnesota 1 $ 115,000 $ 115,000 $ 0
Lake of the Woods, Minnesota 1 $ 85,000 $ 85,000 $ 0
McLeod, Minnesota 1 $ 55,000 $ 55,000 $ 0
Ramsey, Minnesota 1 $ 55,000 $ 55,000 $ 0
Washington, Minnesota 1 $ 35,000 $ 35,000 $ 0
Wright, Minnesota 1 $ 35,000 $ 35,000 $ 0
Benton, Missouri 1 $ 15,000 $ 15,000 $ 0
Cedar, Missouri 1 $ 65,000 $ 65,000 $ 0
Franklin, Missouri 1 $ 215,000 $ 215,000 $ 101,000
Jefferson, Missouri 1 $ 85,000 $ 85,000 $ 0
Lafayette, Missouri 1 $ 85,000 $ 85,000 $ 0
Marion, Missouri 1 $ 155,000 $ 155,000 $ 0
Webster, Missouri 1 $ 45,000 $ 45,000 $ 0
Gallatin, Montana 1 $ 65,000 $ 65,000 $ 0
Dakota, Nebraska 1 $ 105,000 $ 105,000 $ 0
Douglas, Nebraska 1 $ 65,000 $ 65,000 $ 0
Garden, Nebraska 1 $ 125,000 $ 125,000 $ 0
Hall, Nebraska 1 $ 35,000 $ 35,000 $ 0
Camden, New Jersey 1 $ 65,000 $ 65,000 $ 0
Cumberland, New Jersey 1 $ 25,000 $ 25,000 $ 0
Middlesex, New Jersey 1 $ 25,000 $ 25,000 $ 0
Ocean, New Jersey 1 $ 35,000 $ 35,000 $ 0
Cayuga, New York 1 $ 15,000 $ 15,000 $ 0
Dutchess, New York 1 $ 75,000 $ 75,000 $ 0
Franklin, New York 1 $ 85,000 $ 85,000 $ 0
Herkimer, New York 1 $ 75,000 $ 75,000 $ 0
Madison, New York 1 $ 25,000 $ 25,000 $ 0
Niagara, New York 1 $ 25,000 $ 25,000 $ 0
Ontario, New York 1 $ 25,000 $ 25,000 $ 0
Oswego, New York 1 $ 65,000 $ 65,000 $ 0
St. Lawrence, New York 1 $ 35,000 $ 35,000 $ 0
Tioga, New York 1 $ 25,000 $ 25,000 $ 0
Ulster, New York 1 $ 25,000 $ 25,000 $ 0
Butler, Ohio 1 $ 155,000 $ 155,000 $ 192,000
Lawrence, Ohio 1 $ 105,000 $ 105,000 $ 0
Lucas, Ohio 1 $ 55,000 $ 55,000 $ 0
Trumbull, Ohio 1 $ 55,000 $ 55,000 $ 0
Nowata, Oklahoma 1 $ 85,000 $ 85,000 $ 0
Armstrong, Pennsylvania 1 $ 25,000 $ 25,000 $ 0
Bradford, Pennsylvania 1 $ 45,000 $ 45,000 $ 0
Carbon, Pennsylvania 1 $ 35,000 $ 35,000 $ 0
Lebanon, Pennsylvania 1 $ 55,000 $ 55,000 $ 0
Monroe, Pennsylvania 1 $ 45,000 $ 45,000 $ 0
Montgomery, Pennsylvania 1 $ 55,000 $ 55,000 $ 0
Washington, Pennsylvania 1 $ 25,000 $ 25,000 $ 0
Cumberland, Tennessee 1 $ 245,000 $ 245,000 $ 75,000
Davidson, Tennessee 1 $ 305,000 $ 305,000 $ 0
Pecos, Texas 1 $ 255,000 $ 255,000 $ 161,000
Tarrant, Texas 1 $ 235,000 $ 235,000 $ 128,000
Buchanan, Virginia 1 $ 65,000 $ 65,000 $ 0
Dickenson, Virginia 1 $ 65,000 $ 65,000 $ 0
Isle of Wight, Virginia 1 $ 35,000 $ 35,000 $ 0
Lee, Virginia 1 $ 65,000 $ 65,000 $ 0
Hancock, West Virginia 1 $ 135,000 $ 135,000 $ 0
Harrison, West Virginia 1 $ 85,000 $ 85,000 $ 0
Jackson, West Virginia 1 $ 65,000 $ 65,000 $ 52,000
Lincoln, West Virginia 1 $ 45,000 $ 45,000 $ 0
Randolph, West Virginia 1 $ 75,000 $ 75,000 $ 0
Summers, West Virginia 1 $ 45,000 $ 45,000 $ 0
Forest, Wisconsin 1 $ 115,000 $ 115,000 $ 186,000
Pierce, Wisconsin 1 $ 115,000 $ 115,000 $ 0
Sawyer, Wisconsin 1 $ 45,000 $ 45,000 $ 0
Trempealeau, Wisconsin 1 $ 55,000 $ 55,000 $ 0
Goshen, Wyoming 1 $ 115,000 $ 115,000 $ 0

Mortgage Loan Application Detail Totals for Peoples Bank in 2019

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 884 $136,270,000 $154,000 $1,665,000 $93,000 $942,000
Refinancing 152 $33,450,000 $220,000 $955,000 $142,000 $1,471,000
Cash-out Refinancing 117 $20,685,000 $176,000 $895,000 $108,000 $676,000
Home Improvement 27 $4,945,000 $183,000 $755,000 $121,000 $430,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 578 $124,700,000 $215,000 $1,005,000 $126,000 $1,471,000
Not applicable 256 $20,490,000 $80,000 $1,665,000 $0 $0
Hispanic 146 $20,240,000 $138,000 $465,000 $61,000 $272,000
Black or African American 141 $17,655,000 $125,000 $625,000 $54,000 $240,000
Not Provided 33 $5,425,000 $164,000 $875,000 $78,000 $324,000
Asian 22 $5,630,000 $255,000 $595,000 $122,000 $260,000
American Indian or Alaskan Native 1 $155,000 $155,000 $155,000 $71,000 $71,000
Native Hawaiian or Other Pacific Islander 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) 1,082 $182,180,000 $168,000 $1,665,000 $110,000 $1,471,000
FHA-insured (Federal Housing Administration) 98 $13,170,000 $134,000 $315,000 $50,000 $172,000
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 563 $124,945,000 $221,000 $1,665,000 $130,000 $1,471,000
Loan Purchased By The Institution 223 $11,925,000 $53,000 $225,000 $0 $0
Preapproval Denied by Financial Institution 216 $27,860,000 $128,000 $485,000 $49,000 $240,000
Application Withdrawn By Applicant 87 $15,895,000 $182,000 $955,000 $94,000 $689,000
Application Denied By Financial Institution 82 $12,340,000 $150,000 $515,000 $77,000 $925,000
Application Approved But Not Accepted 9 $2,385,000 $265,000 $755,000 $167,000 $430,000
File Closed For Incompleteness 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
Not applicable 882 $155,150,000 $175,000 $1,665,000 $125,000 $1,471,000
Credit History 244 $32,440,000 $132,000 $455,000 $53,000 $240,000
Debt-To-Income Ratio 34 $4,850,000 $142,000 $485,000 $47,000 $267,000
Collateral 12 $1,140,000 $95,000 $165,000 $144,000 $925,000
Other 4 $610,000 $152,000 $225,000 $75,000 $165,000
Credit Application Incomplete 2 $730,000 $365,000 $515,000 $133,000 $183,000
Employment History 2 $430,000 $215,000 $305,000 $115,000 $188,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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 2019 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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