Peoples Bank & Trust Co
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Peoples Bank & Trust Co 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Peoples Bank & Trust Co 310 Broad Street Selma, AL 36701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 904 |
| Total Mortgage Loan Application Amount | $47,549,000 |
| Average Mortgage Loan Application Amount | $86,125 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $175,875 |
| Highest Applicant Income | $1,902,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Peoples Bank & Trust Co. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Peoples Bank & Trust Co's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Peoples Bank & Trust Co's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Peoples Bank & Trust Co serves its applicants.
Each category highlights the total number of mortgage applications processed by Peoples Bank & Trust Co, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Peoples Bank & Trust Co's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas County Alabama | 158 | $ 5,820,000 | $ 36,000 | $ 48,000 |
| Butler County Alabama | 140 | $ 4,900,000 | $ 35,000 | $ 38,000 |
| Autauga County Alabama | 107 | $ 5,866,000 | $ 54,000 | $ 42,000 |
| Lee County Alabama | 105 | $ 4,871,000 | $ 46,000 | $ 56,000 |
| Elmore County Alabama | 103 | $ 3,749,000 | $ 36,000 | $ 53,000 |
| Shelby County Alabama | 38 | $ 3,540,000 | $ 93,000 | $ 56,000 |
| Tallapoosa County Alabama | 38 | $ 1,944,000 | $ 51,000 | $ 62,000 |
| Bibb County Alabama | 33 | $ 1,313,000 | $ 39,000 | $ 35,000 |
| Crenshaw County Alabama | 16 | $ 903,000 | $ 56,000 | $ 36,000 |
| Montgomery County Alabama | 16 | $ 1,564,000 | $ 97,000 | $ 58,000 |
| Tuscaloosa County Alabama | 12 | $ 1,552,000 | $ 129,000 | $ 122,000 |
| Chambers County Alabama | 11 | $ 388,000 | $ 35,000 | $ 60,000 |
| Chilton County Alabama | 10 | $ 548,000 | $ 54,000 | $ 57,000 |
| Jefferson County Alabama | 10 | $ 3,800,000 | $ 380,000 | $ 146,000 |
| Macon County Alabama | 10 | $ 450,000 | $ 45,000 | $ 41,000 |
| Lowndes County Alabama | 9 | $ 429,000 | $ 47,000 | $ 31,000 |
| Wilcox County Alabama | 9 | $ 298,000 | $ 33,000 | $ 36,000 |
| Covington County Alabama | 8 | $ 422,000 | $ 52,000 | $ 38,000 |
| Conecuh County Alabama | 6 | $ 213,000 | $ 35,000 | $ 85,000 |
| Russell County Alabama | 6 | $ 199,000 | $ 33,000 | $ 42,000 |
| Baldwin County Alabama | 5 | $ 664,000 | $ 132,000 | $ 76,000 |
| Perry County Alabama | 5 | $ 230,000 | $ 46,000 | $ 42,000 |
| Pike County Alabama | 3 | $ 191,000 | $ 63,000 | $ 41,000 |
| Escambia County Alabama | 2 | $ 56,000 | $ 28,000 | $ 104,000 |
| Monroe County Alabama | 2 | $ 19,000 | $ 9,000 | $ 72,000 |
| Randolph County Alabama | 2 | $ 318,000 | $ 159,000 | $ 142,000 |
| Talladega County Alabama | 2 | $ 70,000 | $ 35,000 | $ 40,000 |
| Chattahoochee County Georgia | 2 | $ 60,000 | $ 30,000 | $ 43,000 |
| Troup County Georgia | 2 | $ 37,000 | $ 18,000 | $ 52,000 |
| Bullock County Alabama | 1 | $ 128,000 | $ 128,000 | $ 61,000 |
| Coffee County Alabama | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Hale County Alabama | 1 | $ 1,000 | $ 1,000 | $ 9,000 |
| Marengo County Alabama | 1 | $ 10,000 | $ 10,000 | $ 63,000 |
| Pickens County Alabama | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Walker County Alabama | 1 | $ 6,000 | $ 6,000 | $ 142,000 |
| Alachua County Florida | 1 | $ 155,000 | $ 155,000 | $ 31,000 |
| Escambia County Florida | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Okaloosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 1,074,000 |
| Douglas County Georgia | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 18,000 | $ 18,000 | $ 9,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust Co in 2005
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 | 471 | $28,949,000 | $73,000 | $360,000 | $39,000 | $1,902,000 |
| Home Improvement | 284 | $2,443,000 | $66,500 | $125,000 | $560,500 | $1,074,000 |
| Refinancing | 149 | $16,157,000 | $112,333 | $2,000,000 | $56,333 | $432,000 |
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 | 652 | $37,197,000 | $73,750 | $2,000,000 | $137,250 | $1,902,000 |
| Black or African American | 198 | $5,826,000 | $47,000 | $252,000 | $26,333 | $255,000 |
| Hispanic | 16 | $917,000 | $60,000 | $232,000 | $40,500 | $156,000 |
| Not Provided | 16 | $1,708,000 | $103,500 | $326,000 | $50,500 | $169,000 |
| Not applicable | 13 | $1,508,000 | $180,500 | $865,000 | $19,000 | $538,000 |
| American Indian or Alaskan Native | 5 | $358,000 | $71,000 | $190,000 | $48,000 | $135,000 |
| Asian | 4 | $35,000 | $8,000 | $25,000 | $44,000 | $84,000 |
| 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) | 897 | $46,824,000 | $78,750 | $2,000,000 | $127,250 | $1,902,000 |
| FHA-insured (Federal Housing Administration) | 5 | $423,000 | $77,000 | $128,000 | $32,000 | $53,000 |
| VA-guaranteed (Veterans Administration) | 2 | $302,000 | $151,000 | $165,000 | $55,500 | $57,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 633 | $30,880,000 | $73,666 | $865,000 | $163,333 | $1,902,000 |
| Application Denied By Financial Institution | 174 | $6,273,000 | $45,000 | $330,000 | $26,000 | $286,000 |
| Application Approved But Not Accepted | 50 | $7,184,000 | $133,000 | $2,000,000 | $56,000 | $432,000 |
| Application Withdrawn By Applicant | 36 | $2,391,000 | $68,500 | $205,000 | $36,000 | $134,000 |
| File Closed For Incompleteness | 11 | $821,000 | $90,500 | $160,000 | $34,500 | $57,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 117 | $3,319,000 | $54,500 | $223,000 | $30,000 | $103,000 |
| Debt-To-Income Ratio | 41 | $2,072,000 | $34,500 | $330,000 | $24,000 | $142,000 |
| Employment History | 8 | $369,000 | $60,500 | $97,000 | $51,500 | $286,000 |
| Collateral | 5 | $410,000 | $82,000 | $290,000 | $49,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $75,000 | $37,000 | $65,000 | $29,000 | $34,000 |
| Other | 1 | $28,000 | $28,000 | $28,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 & Trust Co's 2005 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 & Trust Co'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 Alabama, download the full spreadsheet
with aggregated HMDA statistics today.