Peoples Bank Mortgage Lending & HMDA Data, 2021
In 2021, Peoples Bank of Munster, IN reported 1,696 mortgage applications totaling $376.6 million, down 26% from 2020. The average application was for $222,051, and applicants reported an average income of $113,298. 54% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Gary, IN (875), Chicago-Naperville, IL (257) and Warren-Troy-Farmington Hills, MI (24) (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 | 1,696 |
| Total Mortgage Loan Application Amount | $376,600,000 |
| Average Mortgage Loan Application Amount | $222,051 |
| Highest Mortgage Loan Application Amount | $3,365,000 |
| Average Applicant Income | $113,298 |
| Highest Applicant Income | $3,054,000 |
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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 875 | $ 219,695,000 | $ 251,080 | $ 119,000 |
| Chicago-Naperville, IL | 257 | $ 71,245,000 | $ 277,217 | $ 114,000 |
| Outside any metro area | 96 | $ 10,810,000 | $ 112,604 | $ 123,938 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 1,950,000 | $ 81,250 | $ 282,000 |
| Lake County-Kenosha County, IL-WI | 20 | $ 8,510,000 | $ 425,500 | $ 180,000 |
| Michigan City-La Porte, IN | 16 | $ 1,810,000 | $ 113,125 | $ 84,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 635,000 | $ 48,846 | $ 0 |
| Kankakee, IL | 8 | $ 1,570,000 | $ 196,250 | $ 81,000 |
| New York-Newark, NY | 8 | $ 950,000 | $ 118,750 | $ 63,000 |
| Ann Arbor, MI | 6 | $ 380,000 | $ 63,333 | $ 0 |
| Lansing-East Lansing, MI | 6 | $ 320,000 | $ 53,333 | $ 0 |
| Baltimore-Columbia-Towson, MD | 5 | $ 725,000 | $ 145,000 | $ 190,000 |
| Flint, MI | 5 | $ 245,000 | $ 49,000 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 345,000 | $ 69,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 325,000 | $ 65,000 | $ 0 |
| Toledo, OH | 5 | $ 205,000 | $ 41,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,060,000 | $ 265,000 | $ 118,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,270,000 | $ 317,500 | $ 115,000 |
| Pittsburgh, PA | 4 | $ 320,000 | $ 80,000 | $ 129,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 605,000 | $ 201,666 | $ 151,000 |
| Cincinnati, OH-KY-IN | 3 | $ 355,000 | $ 118,333 | $ 248,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 155,000 | $ 51,666 | $ 0 |
| Elgin, IL | 3 | $ 695,000 | $ 231,666 | $ 86,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 985,000 | $ 328,333 | $ 286,000 |
| Monroe, MI | 3 | $ 115,000 | $ 38,333 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 755,000 | $ 251,666 | $ 219,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 255,000 | $ 85,000 | $ 0 |
| Reading, PA | 3 | $ 145,000 | $ 48,333 | $ 0 |
| San Antonio-New Braunfels, TX | 3 | $ 185,000 | $ 61,666 | $ 0 |
| St. Louis, MO-IL | 3 | $ 105,000 | $ 35,000 | $ 0 |
| Akron, OH | 2 | $ 730,000 | $ 365,000 | $ 162,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 170,000 | $ 85,000 | $ 60,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Bloomington, IN | 2 | $ 240,000 | $ 120,000 | $ 227,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Camden, NJ | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Cleveland-Elyria, OH | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Columbus, OH | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Dover, DE | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 340,000 | $ 170,000 | $ 125,000 |
| Lancaster, PA | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Morgantown, WV | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Niles-Benton Harbor, MI | 2 | $ 260,000 | $ 130,000 | $ 401,000 |
| Rochester, NY | 2 | $ 120,000 | $ 60,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 1,020,000 | $ 510,000 | $ 222,500 |
| Tuscaloosa, AL | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 480,000 | $ 240,000 | $ 129,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Appleton, WI | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Battle Creek, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Billings, MT | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Boise City, ID | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Cedar Rapids, IA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dallas-Plano-Irving, TX | 1 | $ 545,000 | $ 545,000 | $ 473,000 |
| Dubuque, IA | 1 | $ 35,000 | $ 35,000 | $ 0 |
| East Stroudsburg, PA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fort Collins, CO | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 46,000 |
| Grand Junction, CO | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Greeley, CO | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Jacksonville, FL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Knoxville, TN | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Manhattan, KS | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Montgomery, AL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Muncie, IN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Muskegon, MI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 1,905,000 | $ 1,905,000 | $ 596,000 |
| Norwich-New London, CT | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Ocean City, NJ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Rochester, MN | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Rockford, IL | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Springfield, MO | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Springfield, OH | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Terre Haute, IN | 1 | $ 125,000 | $ 125,000 | $ 153,000 |
| Topeka, KS | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Vineland-Bridgeton, NJ | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 35,000 | $ 35,000 | $ 0 |
Mortgage Loan Application Detail Totals for Peoples Bank in 2021
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 | 1,001 | $233,125,000 | $232,000 | $3,365,000 | $119,000 | $3,054,000 |
| Refinancing | 380 | $77,580,000 | $204,000 | $985,000 | $108,000 | $763,000 |
| Cash-out Refinancing | 285 | $61,755,000 | $216,000 | $1,285,000 | $100,000 | $500,000 |
| Other Purpose | 22 | $3,310,000 | $150,000 | $295,000 | $120,000 | $533,000 |
| Home Improvement | 8 | $830,000 | $103,000 | $295,000 | $107,000 | $239,000 |
| 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 | 918 | $232,670,000 | $253,000 | $2,085,000 | $121,000 | $788,000 |
| Not applicable | 305 | $40,705,000 | $133,000 | $2,925,000 | $0 | $0 |
| Hispanic | 234 | $42,560,000 | $181,000 | $755,000 | $79,000 | $583,000 |
| Black or African American | 146 | $31,880,000 | $218,000 | $695,000 | $94,000 | $3,054,000 |
| Asian | 48 | $17,600,000 | $366,000 | $3,365,000 | $166,000 | $916,000 |
| Not Provided | 44 | $10,840,000 | $246,000 | $755,000 | $124,000 | $463,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,648 | $367,250,000 | $222,000 | $3,365,000 | $114,000 | $3,054,000 |
| FHA-insured (Federal Housing Administration) | 48 | $9,350,000 | $194,000 | $555,000 | $60,000 | $144,000 |
| 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 | 918 | $249,030,000 | $271,000 | $3,365,000 | $131,000 | $3,054,000 |
| Loan Purchased By The Institution | 253 | $16,765,000 | $66,000 | $215,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 199 | $37,975,000 | $190,000 | $725,000 | $62,000 | $291,000 |
| Application Denied By Financial Institution | 166 | $35,290,000 | $212,000 | $735,000 | $78,000 | $576,000 |
| Application Withdrawn By Applicant | 130 | $29,380,000 | $226,000 | $695,000 | $106,000 | $463,000 |
| Application Approved But Not Accepted | 30 | $8,160,000 | $272,000 | $755,000 | $145,000 | $402,000 |
| 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 | 1,331 | $303,335,000 | $227,000 | $3,365,000 | $128,000 | $3,054,000 |
| Credit History | 261 | $52,935,000 | $202,000 | $725,000 | $69,000 | $302,000 |
| Debt-To-Income Ratio | 60 | $12,170,000 | $202,000 | $735,000 | $51,000 | $145,000 |
| Credit Application Incomplete | 21 | $4,345,000 | $206,000 | $505,000 | $116,000 | $576,000 |
| Collateral | 13 | $2,035,000 | $156,000 | $695,000 | $80,000 | $180,000 |
| Other | 5 | $605,000 | $121,000 | $255,000 | $51,000 | $70,000 |
| Unverifiable Information | 3 | $895,000 | $298,000 | $485,000 | $106,000 | $153,000 |
| Employment History | 2 | $280,000 | $140,000 | $155,000 | $26,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank's 2021 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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