Peoples Bank Mortgage Lending & HMDA Data, 2020
In 2020, Peoples Bank of Munster, IN reported 2,296 mortgage applications totaling $490.9 million, up 95% from 2019. The average application was for $213,810, and applicants reported an average income of $118,825. 59% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Gary, IN (1,251), Chicago-Naperville, IL (410) and Warren-Troy-Farmington Hills, MI (18) (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 | 2,296 |
| Total Mortgage Loan Application Amount | $490,910,000 |
| Average Mortgage Loan Application Amount | $213,810 |
| Highest Mortgage Loan Application Amount | $8,285,000 |
| Average Applicant Income | $118,825 |
| Highest Applicant Income | $3,687,000 |
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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Gary, IN | 1,251 | $ 291,545,000 | $ 233,049 | $ 123,000 |
| Chicago-Naperville, IL | 410 | $ 107,240,000 | $ 261,560 | $ 139,000 |
| Outside any metro area | 74 | $ 9,500,000 | $ 128,378 | $ 156,733 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 890,000 | $ 49,444 | $ 0 |
| Michigan City-La Porte, IN | 16 | $ 3,890,000 | $ 243,125 | $ 115,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 8,195,000 | $ 546,333 | $ 293,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 745,000 | $ 49,666 | $ 0 |
| Grand Rapids-Wyoming, MI | 14 | $ 700,000 | $ 50,000 | $ 0 |
| Elgin, IL | 11 | $ 2,555,000 | $ 232,272 | $ 98,000 |
| Kankakee, IL | 11 | $ 2,375,000 | $ 215,909 | $ 94,000 |
| Austin-Round Rock, TX | 7 | $ 455,000 | $ 65,000 | $ 0 |
| Toledo, OH | 7 | $ 275,000 | $ 39,285 | $ 0 |
| Ann Arbor, MI | 6 | $ 500,000 | $ 83,333 | $ 106,000 |
| Detroit-Dearborn-Livonia, MI | 6 | $ 540,000 | $ 90,000 | $ 46,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 350,000 | $ 58,333 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 205,000 | $ 41,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 5 | $ 265,000 | $ 53,000 | $ 0 |
| Harrisburg-Carlisle, PA | 5 | $ 255,000 | $ 51,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 585,000 | $ 117,000 | $ 75,000 |
| Pittsburgh, PA | 5 | $ 285,000 | $ 57,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 4 | $ 290,000 | $ 72,500 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 610,000 | $ 152,500 | $ 76,000 |
| Lansing-East Lansing, MI | 4 | $ 160,000 | $ 40,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 890,000 | $ 222,500 | $ 279,000 |
| New York-Newark, NY | 4 | $ 260,000 | $ 65,000 | $ 0 |
| Niles-Benton Harbor, MI | 4 | $ 480,000 | $ 120,000 | $ 133,000 |
| Ocean City, NJ | 4 | $ 430,000 | $ 107,500 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 250,000 | $ 62,500 | $ 136,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 600,000 | $ 150,000 | $ 313,000 |
| St. Louis, MO-IL | 4 | $ 540,000 | $ 135,000 | $ 375,000 |
| York-Hanover, PA | 4 | $ 260,000 | $ 65,000 | $ 0 |
| Cleveland-Elyria, OH | 3 | $ 575,000 | $ 191,666 | $ 58,000 |
| Colorado Springs, CO | 3 | $ 175,000 | $ 58,333 | $ 0 |
| Columbus, OH | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 405,000 | $ 135,000 | $ 183,000 |
| Monroe, MI | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Reading, PA | 3 | $ 185,000 | $ 61,666 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Boise City, ID | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Boulder, CO | 2 | $ 1,070,000 | $ 535,000 | $ 146,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Camden, NJ | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 670,000 | $ 335,000 | $ 110,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Dover, DE | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Erie, PA | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Flint, MI | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Kalamazoo-Portage, MI | 2 | $ 50,000 | $ 25,000 | $ 0 |
| Knoxville, TN | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Lakeland-Winter Haven, FL | 2 | $ 260,000 | $ 130,000 | $ 96,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 430,000 | $ 215,000 | $ 39,000 |
| Lebanon, PA | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Morgantown, WV | 2 | $ 110,000 | $ 55,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 460,000 | $ 230,000 | $ 378,000 |
| Oklahoma City, OK | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| Pueblo, CO | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Rochester, NY | 2 | $ 130,000 | $ 65,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 1,300,000 | $ 650,000 | $ 1,162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 180,000 | $ 90,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 420,000 | $ 210,000 | $ 91,000 |
| Wichita, KS | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 375,000 | $ 375,000 | $ 53,000 |
| Binghamton, NY | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Cape Girardeau, MO-IL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Casper, WY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Coeur D'Alene, ID | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Des Moines-West Des Moines, IA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 1,055,000 | $ 1,055,000 | $ 1,406,000 |
| Fort Collins, CO | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 505,000 | $ 505,000 | $ 94,000 |
| Fort Worth-Arlington, TX | 1 | $ 155,000 | $ 155,000 | $ 76,000 |
| Gettysburg, PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Grand Junction, CO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Idaho Falls, ID | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Ithaca, NY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Jackson, MI | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jefferson City, MO | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Joplin, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Lancaster, PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Norwich-New London, CT | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Owensboro, KY | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Peoria, IL | 1 | $ 105,000 | $ 105,000 | $ 31,000 |
| Port St. Lucie, FL | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Rapid City, SD | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| San Antonio-New Braunfels, TX | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| St. Cloud, MN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Topeka, KS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Tucson, AZ | 1 | $ 275,000 | $ 275,000 | $ 172,000 |
| Vineland-Bridgeton, NJ | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Watertown-Fort Drum, NY | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Peoples Bank in 2020
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 | 1,007 | $185,355,000 | $184,000 | $1,485,000 | $99,000 | $2,168,000 |
| Refinancing | 866 | $208,740,000 | $241,000 | $8,285,000 | $130,000 | $1,934,000 |
| Cash-out Refinancing | 386 | $91,510,000 | $237,000 | $1,575,000 | $144,000 | $3,687,000 |
| Other Purpose | 26 | $3,760,000 | $144,000 | $505,000 | $161,000 | $2,251,000 |
| Home Improvement | 11 | $1,545,000 | $140,000 | $325,000 | $71,000 | $117,000 |
| 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 | 1,376 | $327,520,000 | $238,000 | $1,315,000 | $134,000 | $3,687,000 |
| Not applicable | 302 | $41,100,000 | $136,000 | $8,285,000 | $0 | $0 |
| Hispanic | 288 | $49,130,000 | $170,000 | $825,000 | $87,000 | $1,120,000 |
| Black or African American | 163 | $29,275,000 | $179,000 | $1,575,000 | $70,000 | $355,000 |
| Not Provided | 87 | $17,965,000 | $206,000 | $775,000 | $100,000 | $475,000 |
| Asian | 71 | $23,925,000 | $336,000 | $1,295,000 | $171,000 | $1,236,000 |
| American Indian or Alaskan Native | 4 | $630,000 | $157,000 | $205,000 | $88,000 | $247,000 |
| 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) | 2,227 | $480,125,000 | $215,000 | $8,285,000 | $124,000 | $3,687,000 |
| FHA-insured (Federal Housing Administration) | 69 | $10,785,000 | $156,000 | $365,000 | $50,000 | $141,000 |
| 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 | 1,358 | $343,880,000 | $253,000 | $8,285,000 | $138,000 | $3,687,000 |
| Loan Purchased By The Institution | 265 | $16,075,000 | $60,000 | $205,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 239 | $39,435,000 | $165,000 | $645,000 | $58,000 | $674,000 |
| Application Withdrawn By Applicant | 210 | $49,060,000 | $233,000 | $1,265,000 | $123,000 | $1,236,000 |
| Application Denied By Financial Institution | 199 | $37,895,000 | $190,000 | $1,575,000 | $92,000 | $1,406,000 |
| Application Approved But Not Accepted | 25 | $4,565,000 | $182,000 | $555,000 | $93,000 | $265,000 |
| 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 | 1,858 | $413,580,000 | $222,000 | $8,285,000 | $136,000 | $3,687,000 |
| Credit History | 349 | $58,865,000 | $168,000 | $645,000 | $65,000 | $674,000 |
| Credit Application Incomplete | 45 | $9,815,000 | $218,000 | $1,575,000 | $100,000 | $510,000 |
| Debt-To-Income Ratio | 19 | $3,235,000 | $170,000 | $415,000 | $49,000 | $143,000 |
| Collateral | 11 | $2,875,000 | $261,000 | $1,055,000 | $230,000 | $1,406,000 |
| Other | 11 | $1,975,000 | $179,000 | $355,000 | $102,000 | $187,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $115,000 | $115,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 1 | $315,000 | $315,000 | $315,000 | $81,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank's 2020 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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