Peoples Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Peoples Bank & Trust of Pana, IL reported 140 mortgage applications totaling $11.8 million, up 11% from 2014. The average application was for $84,000, and applicants reported an average income of $67,014. 58% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Springfield, IL (7), St. Louis, MO-IL (4) and Decatur, IL (1) (applications in parentheses).
| Mortgage Company & Address | Peoples Bank & Trust 200 S Locust, Po Box 350 Pana, IL 62557 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 140 |
| Total Mortgage Loan Application Amount | $11,760,000 |
| Average Mortgage Loan Application Amount | $84,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $67,014 |
| Highest Applicant Income | $1,056,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Christian, Illinois | 43 | $ 2,753,000 | $ 64,023 | $ 57,000 |
| Greene, Illinois | 25 | $ 2,109,000 | $ 84,360 | $ 45,000 |
| Effingham, Illinois | 15 | $ 2,057,000 | $ 137,133 | $ 116,000 |
| Shelby, Illinois | 13 | $ 964,000 | $ 74,153 | $ 81,000 |
| Coles, Illinois | 10 | $ 445,000 | $ 44,500 | $ 53,000 |
| Morgan, Illinois | 10 | $ 790,000 | $ 79,000 | $ 57,000 |
| Sangamon, Illinois | 7 | $ 725,000 | $ 103,571 | $ 54,000 |
| Fayette, Illinois | 4 | $ 217,000 | $ 54,250 | $ 54,000 |
| Macoupin, Illinois | 3 | $ 131,000 | $ 43,666 | $ 43,000 |
| Clark, Illinois | 2 | $ 99,000 | $ 49,500 | $ 36,000 |
| Jefferson, Illinois | 2 | $ 154,000 | $ 77,000 | $ 72,000 |
| Macon, Illinois | 1 | $ 24,000 | $ 24,000 | $ 21,000 |
| Montgomery, Illinois | 1 | $ 16,000 | $ 16,000 | $ 52,000 |
| Moultrie, Illinois | 1 | $ 26,000 | $ 26,000 | $ 26,000 |
| Scott, Illinois | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Shannon, Missouri | 1 | $ 130,000 | $ 130,000 | $ 30,000 |
| St. Louis, Missouri | 1 | $ 1,085,000 | $ 1,085,000 | $ 774,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust in 2015
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 | 66 | $5,893,000 | $89,000 | $370,000 | $56,000 | $210,000 |
| Home Purchase | 56 | $5,366,000 | $95,000 | $1,085,000 | $89,000 | $1,056,000 |
| Home Improvement | 18 | $501,000 | $27,000 | $125,000 | $39,000 | $111,000 |
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 | 133 | $11,072,000 | $83,000 | $1,085,000 | $70,000 | $1,056,000 |
| Not applicable | 7 | $688,000 | $98,000 | $285,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 136 | $11,461,000 | $84,000 | $1,085,000 | $68,000 | $1,056,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $299,000 | $74,000 | $142,000 | $35,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 81 | $6,969,000 | $86,000 | $1,085,000 | $77,000 | $1,056,000 |
| Application Denied By Financial Institution | 40 | $2,660,000 | $66,000 | $220,000 | $43,000 | $148,000 |
| Application Withdrawn By Applicant | 17 | $1,971,000 | $115,000 | $370,000 | $76,000 | $210,000 |
| Application Approved But Not Accepted | 2 | $160,000 | $80,000 | $120,000 | $58,000 | $88,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 & Trust's 2015 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'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 Illinois, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About