Peoples Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Peoples Bank & Trust of Pana, IL reported 122 mortgage applications totaling $14.5 million, down 13% from 2015. The average application was for $119,057, and applicants reported an average income of $86,106. 59% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Springfield, IL (6), St. Louis, MO-IL (6) and Terre Haute, IN (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 | 122 |
| Total Mortgage Loan Application Amount | $14,525,000 |
| Average Mortgage Loan Application Amount | $119,057 |
| Highest Mortgage Loan Application Amount | $1,507,000 |
| Average Applicant Income | $86,106 |
| Highest Applicant Income | $736,000 |
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Act (HMDA) records Peoples Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 37 | $ 4,442,000 | $ 120,054 | $ 106,000 |
| Effingham, Illinois | 18 | $ 2,271,000 | $ 126,166 | $ 104,000 |
| Coles, Illinois | 14 | $ 2,238,000 | $ 159,857 | $ 68,000 |
| Greene, Illinois | 11 | $ 1,545,000 | $ 140,454 | $ 51,000 |
| Fayette, Illinois | 9 | $ 1,111,000 | $ 123,444 | $ 63,000 |
| Shelby, Illinois | 9 | $ 924,000 | $ 102,666 | $ 87,000 |
| Sangamon, Illinois | 6 | $ 817,000 | $ 136,166 | $ 66,000 |
| Macoupin, Illinois | 4 | $ 182,000 | $ 45,500 | $ 41,000 |
| Morgan, Illinois | 4 | $ 215,000 | $ 53,750 | $ 78,000 |
| Calhoun, Illinois | 2 | $ 151,000 | $ 75,500 | $ 119,000 |
| Clark, Illinois | 1 | $ 100,000 | $ 100,000 | $ 63,000 |
| Clay, Illinois | 1 | $ 155,000 | $ 155,000 | $ 74,000 |
| Cumberland, Illinois | 1 | $ 34,000 | $ 34,000 | $ 89,000 |
| Douglas, Illinois | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Edgar, Illinois | 1 | $ 28,000 | $ 28,000 | $ 28,000 |
| Knox, Illinois | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Vigo, Indiana | 1 | $ 155,000 | $ 155,000 | $ 240,000 |
| Camden, Missouri | 1 | $ 82,000 | $ 82,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Peoples Bank & Trust in 2016
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 | 68 | $10,995,000 | $161,000 | $1,507,000 | $92,000 | $736,000 |
| Home Purchase | 41 | $3,349,000 | $81,000 | $411,000 | $90,000 | $516,000 |
| Home Improvement | 13 | $181,000 | $13,000 | $51,000 | $43,000 | $123,000 |
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 | 118 | $12,499,000 | $105,000 | $1,321,000 | $89,000 | $736,000 |
| Not applicable | 4 | $2,026,000 | $506,000 | $1,507,000 | $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 Hawaiin 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) | 115 | $13,862,000 | $120,000 | $1,507,000 | $88,000 | $736,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $663,000 | $94,000 | $200,000 | $47,000 | $120,000 |
| 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 | 72 | $9,177,000 | $127,000 | $1,507,000 | $91,000 | $736,000 |
| Application Denied By Financial Institution | 34 | $3,156,000 | $92,000 | $380,000 | $50,000 | $171,000 |
| Application Approved But Not Accepted | 12 | $1,510,000 | $125,000 | $380,000 | $133,000 | $439,000 |
| Application Withdrawn By Applicant | 4 | $682,000 | $170,000 | $267,000 | $146,000 | $247,000 |
| 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 2016 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.
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