Peoples Bank Mortgage Lending & HMDA Data, 2021

In 2021, Peoples Bank of Marietta, OH reported 3,718 mortgage applications totaling $458.0 million, down 12% from 2020. The average application was for $123,195, and applicants reported an average income of $93,679. 64% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Cincinnati, OH-KY-IN (503), Parkersburg-Vienna, WV (325) and Huntington-Ashland, WV-KY-OH (241) (applications in parentheses).

Mortgage Company & Address Peoples Bank
138 Putnam Street
Marietta, OH 45750
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 3,718
Total Mortgage Loan Application Amount $458,040,000
Average Mortgage Loan Application Amount $123,195
Highest Mortgage Loan Application Amount $2,585,000
Average Applicant Income $93,679
Highest Applicant Income $7,115,000

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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Peoples Bank by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Washington, Ohio 371 $ 41,155,000 $ 110,929 $ 85,000
Wood, West Virginia 313 $ 34,845,000 $ 111,325 $ 82,000
Scioto, Ohio 194 $ 21,760,000 $ 112,164 $ 103,000
Warren, Ohio 165 $ 20,525,000 $ 124,393 $ 98,000
Guernsey, Ohio 162 $ 17,590,000 $ 108,580 $ 75,000
Summit, Ohio 113 $ 13,695,000 $ 121,194 $ 118,000
Clermont, Ohio 105 $ 16,155,000 $ 153,857 $ 85,000
Floyd, Kentucky 93 $ 7,305,000 $ 78,548 $ 61,000
Greenup, Kentucky 90 $ 9,160,000 $ 101,777 $ 86,000
Brown, Ohio 90 $ 8,140,000 $ 90,444 $ 71,000
Clinton, Ohio 87 $ 8,745,000 $ 100,517 $ 67,000
Coshocton, Ohio 84 $ 8,710,000 $ 103,690 $ 96,000
Muskingum, Ohio 78 $ 9,270,000 $ 118,846 $ 121,000
Gallia, Ohio 77 $ 6,575,000 $ 85,389 $ 72,000
Hamilton, Ohio 76 $ 14,560,000 $ 191,578 $ 121,000
Athens, Ohio 74 $ 7,760,000 $ 104,864 $ 82,000
Meigs, Ohio 74 $ 6,060,000 $ 81,891 $ 70,000
Morgan, Ohio 71 $ 7,305,000 $ 102,887 $ 79,000
Licking, Ohio 67 $ 7,705,000 $ 115,000 $ 77,000
Noble, Ohio 64 $ 6,360,000 $ 99,375 $ 78,000
Boyd, Kentucky 59 $ 5,885,000 $ 99,745 $ 90,000
Franklin, Ohio 58 $ 12,330,000 $ 212,586 $ 184,000
Jackson, Ohio 58 $ 6,230,000 $ 107,413 $ 76,000
Fairfield, Ohio 56 $ 6,720,000 $ 120,000 $ 73,000
Highland, Ohio 56 $ 5,210,000 $ 93,035 $ 55,000
Montgomery, Ohio 49 $ 6,005,000 $ 122,551 $ 78,000
Butler, Ohio 44 $ 7,700,000 $ 175,000 $ 155,000
Johnson, Kentucky 39 $ 4,295,000 $ 110,128 $ 118,000
Lawrence, Ohio 36 $ 3,450,000 $ 95,833 $ 77,000
Pike, Kentucky 33 $ 3,645,000 $ 110,454 $ 80,000
Cabell, West Virginia 32 $ 2,850,000 $ 89,062 $ 79,000
Mason, West Virginia 32 $ 3,050,000 $ 95,312 $ 89,000
Knox, Ohio 29 $ 3,775,000 $ 130,172 $ 89,000
Martin, Kentucky 28 $ 2,020,000 $ 72,142 $ 61,000
Cuyahoga, Ohio 26 $ 5,250,000 $ 201,923 $ 105,000
Pike, Ohio 24 $ 2,240,000 $ 93,333 $ 83,000
Magoffin, Kentucky 19 $ 1,575,000 $ 82,894 $ 67,000
Lewis, Kentucky 17 $ 1,435,000 $ 84,411 $ 75,000
Wetzel, West Virginia 17 $ 1,095,000 $ 64,411 $ 83,000
Ross, Ohio 16 $ 1,610,000 $ 100,625 $ 69,000
Adams, Ohio 14 $ 1,240,000 $ 88,571 $ 45,000
Hocking, Ohio 14 $ 980,000 $ 70,000 $ 77,000
Jackson, West Virginia 14 $ 1,070,000 $ 76,428 $ 80,000
Pleasants, West Virginia 14 $ 1,600,000 $ 114,285 $ 79,000
Fayette, Kentucky 13 $ 4,205,000 $ 323,461 $ 108,000
Greene, Ohio 13 $ 2,255,000 $ 173,461 $ 93,000
Stark, Ohio 13 $ 2,185,000 $ 168,076 $ 94,000
Tuscarawas, Ohio 13 $ 1,495,000 $ 115,000 $ 64,000
Wayne, West Virginia 13 $ 1,045,000 $ 80,384 $ 80,000
Belmont, Ohio 12 $ 1,150,000 $ 95,833 $ 76,000
Perry, Ohio 12 $ 1,110,000 $ 92,500 $ 93,000
Braxton, West Virginia 12 $ 910,000 $ 75,833 $ 58,000
Kanawha, West Virginia 12 $ 2,300,000 $ 191,666 $ 99,000
Wirt, West Virginia 12 $ 660,000 $ 55,000 $ 63,000
Scott, Kentucky 11 $ 1,845,000 $ 167,727 $ 103,000
Miami, Ohio 11 $ 2,085,000 $ 189,545 $ 83,000
Tyler, West Virginia 11 $ 1,005,000 $ 91,363 $ 72,000
Lawrence, Kentucky 10 $ 1,390,000 $ 139,000 $ 122,000
Vinton, Ohio 9 $ 875,000 $ 97,222 $ 91,000
Lorain, Ohio 8 $ 1,300,000 $ 162,500 $ 92,000
Medina, Ohio 8 $ 1,690,000 $ 211,250 $ 174,000
Greenbrier, West Virginia 8 $ 1,690,000 $ 211,250 $ 113,000
Campbell, Kentucky 7 $ 1,355,000 $ 193,571 $ 150,000
Delaware, Ohio 7 $ 3,105,000 $ 443,571 $ 183,000
Portage, Ohio 7 $ 1,105,000 $ 157,857 $ 243,000
Putnam, West Virginia 7 $ 1,165,000 $ 166,428 $ 201,000
Jefferson, Kentucky 6 $ 1,020,000 $ 170,000 $ 180,000
Kenton, Kentucky 6 $ 1,200,000 $ 200,000 $ 105,000
Mason, Kentucky 6 $ 370,000 $ 61,666 $ 53,000
Lake, Ohio 6 $ 1,220,000 $ 203,333 $ 111,000
Monongalia, West Virginia 6 $ 2,750,000 $ 458,333 $ 198,000
Roane, West Virginia 6 $ 630,000 $ 105,000 $ 58,000
Upshur, West Virginia 6 $ 910,000 $ 151,666 $ 98,000
Bath, Kentucky 5 $ 595,000 $ 119,000 $ 56,000
Mahoning, Ohio 5 $ 905,000 $ 181,000 $ 111,000
Monroe, Ohio 5 $ 615,000 $ 123,000 $ 31,000
Union, Ohio 5 $ 1,495,000 $ 299,000 $ 122,000
Calhoun, West Virginia 5 $ 835,000 $ 167,000 $ 53,000
Broward, Florida 4 $ 3,630,000 $ 907,500 $ 389,000
Boone, Kentucky 4 $ 2,730,000 $ 682,500 $ 290,000
Bracken, Kentucky 4 $ 170,000 $ 42,500 $ 54,000
Carter, Kentucky 4 $ 420,000 $ 105,000 $ 74,000
Fleming, Kentucky 4 $ 460,000 $ 115,000 $ 44,000
Clark, Ohio 4 $ 420,000 $ 105,000 $ 93,000
Lucas, Ohio 4 $ 520,000 $ 130,000 $ 91,000
Richland, Ohio 4 $ 380,000 $ 95,000 $ 52,000
Wayne, Ohio 4 $ 550,000 $ 137,500 $ 98,000
Wood, Ohio 4 $ 780,000 $ 195,000 $ 152,000
Boone, West Virginia 4 $ 360,000 $ 90,000 $ 51,000
Collier, Florida 3 $ 1,735,000 $ 578,333 $ 475,000
Jessamine, Kentucky 3 $ 1,245,000 $ 415,000 $ 160,000
Knott, Kentucky 3 $ 115,000 $ 38,333 $ 46,000
Montgomery, Kentucky 3 $ 365,000 $ 121,666 $ 110,000
Robertson, Kentucky 3 $ 145,000 $ 48,333 $ 69,000
Shelby, Kentucky 3 $ 1,805,000 $ 601,666 $ 671,000
Darke, Ohio 3 $ 285,000 $ 95,000 $ 26,000
Holmes, Ohio 3 $ 1,745,000 $ 581,666 $ 318,000
Pickaway, Ohio 3 $ 555,000 $ 185,000 $ 77,000
Trumbull, Ohio 3 $ 405,000 $ 135,000 $ 81,000
Ritchie, West Virginia 3 $ 585,000 $ 195,000 $ 113,000
Volusia, Florida 2 $ 670,000 $ 335,000 $ 198,000
Anderson, Kentucky 2 $ 870,000 $ 435,000 $ 306,000
Breathitt, Kentucky 2 $ 390,000 $ 195,000 $ 36,000
Franklin, Kentucky 2 $ 310,000 $ 155,000 $ 49,000
Harrison, Kentucky 2 $ 230,000 $ 115,000 $ 48,000
Menifee, Kentucky 2 $ 350,000 $ 175,000 $ 46,000
Rowan, Kentucky 2 $ 180,000 $ 90,000 $ 58,000
Ashland, Ohio 2 $ 140,000 $ 70,000 $ 48,000
Fayette, Ohio 2 $ 270,000 $ 135,000 $ 65,000
Geauga, Ohio 2 $ 840,000 $ 420,000 $ 183,000
Hancock, Ohio 2 $ 200,000 $ 100,000 $ 53,000
Preble, Ohio 2 $ 210,000 $ 105,000 $ 56,000
Harris, Texas 2 $ 270,000 $ 135,000 $ 88,000
Travis, Texas 2 $ 590,000 $ 295,000 $ 88,000
Henrico, Virginia 2 $ 1,280,000 $ 640,000 $ 625,000
Harrison, West Virginia 2 $ 220,000 $ 110,000 $ 32,000
Lewis, West Virginia 2 $ 470,000 $ 235,000 $ 77,000
Logan, West Virginia 2 $ 110,000 $ 55,000 $ 44,000
Marion, West Virginia 2 $ 590,000 $ 295,000 $ 96,000
Mingo, West Virginia 2 $ 210,000 $ 105,000 $ 64,000
Pocahontas, West Virginia 2 $ 280,000 $ 140,000 $ 579,000
District of Columbia, District Of Columbia 1 $ 325,000 $ 325,000 $ 0
Charlotte, Florida 1 $ 235,000 $ 235,000 $ 82,000
Hillsborough, Florida 1 $ 155,000 $ 155,000 $ 38,000
Lee, Florida 1 $ 315,000 $ 315,000 $ 147,000
Sarasota, Florida 1 $ 185,000 $ 185,000 $ 85,000
Dearborn, Indiana 1 $ 175,000 $ 175,000 $ 212,000
Ohio, Indiana 1 $ 55,000 $ 55,000 $ 19,000
St. Joseph, Indiana 1 $ 65,000 $ 65,000 $ 212,000
Switzerland, Indiana 1 $ 75,000 $ 75,000 $ 45,000
Barren, Kentucky 1 $ 95,000 $ 95,000 $ 128,000
Bourbon, Kentucky 1 $ 255,000 $ 255,000 $ 62,000
Bullitt, Kentucky 1 $ 345,000 $ 345,000 $ 168,000
Clay, Kentucky 1 $ 115,000 $ 115,000 $ 134,000
Owen, Kentucky 1 $ 155,000 $ 155,000 $ 180,000
Perry, Kentucky 1 $ 65,000 $ 65,000 $ 31,000
Powell, Kentucky 1 $ 75,000 $ 75,000 $ 95,000
Russell, Kentucky 1 $ 375,000 $ 375,000 $ 80,000
Garrett, Maryland 1 $ 505,000 $ 505,000 $ 837,000
Queen Anne's, Maryland 1 $ 545,000 $ 545,000 $ 176,000
Barnstable, Massachusetts 1 $ 445,000 $ 445,000 $ 318,000
Oceana, Michigan 1 $ 465,000 $ 465,000 $ 159,000
Rensselaer, New York 1 $ 2,585,000 $ 2,585,000 $ 7,115,000
Brunswick, North Carolina 1 $ 85,000 $ 85,000 $ 89,000
Iredell, North Carolina 1 $ 775,000 $ 775,000 $ 300,000
Mecklenburg, North Carolina 1 $ 375,000 $ 375,000 $ 102,000
Onslow, North Carolina 1 $ 65,000 $ 65,000 $ 101,000
Ashtabula, Ohio 1 $ 125,000 $ 125,000 $ 110,000
Champaign, Ohio 1 $ 55,000 $ 55,000 $ 59,000
Columbiana, Ohio 1 $ 145,000 $ 145,000 $ 37,000
Harrison, Ohio 1 $ 65,000 $ 65,000 $ 60,000
Henry, Ohio 1 $ 205,000 $ 205,000 $ 79,000
Jefferson, Ohio 1 $ 85,000 $ 85,000 $ 65,000
Madison, Ohio 1 $ 995,000 $ 995,000 $ 0
Ottawa, Ohio 1 $ 405,000 $ 405,000 $ 925,000
Sandusky, Ohio 1 $ 35,000 $ 35,000 $ 47,000
Shelby, Ohio 1 $ 475,000 $ 475,000 $ 146,000
Williams, Ohio 1 $ 175,000 $ 175,000 $ 107,000
Wyandot, Ohio 1 $ 295,000 $ 295,000 $ 145,000
Beaufort, South Carolina 1 $ 305,000 $ 305,000 $ 193,000
Florence, South Carolina 1 $ 35,000 $ 35,000 $ 185,000
Georgetown, South Carolina 1 $ 195,000 $ 195,000 $ 98,000
Campbell, Tennessee 1 $ 535,000 $ 535,000 $ 442,000
Sumner, Tennessee 1 $ 175,000 $ 175,000 $ 55,000
Alleghany, Virginia 1 $ 105,000 $ 105,000 $ 60,000
Bath, Virginia 1 $ 25,000 $ 25,000 $ 70,000
Chesterfield, Virginia 1 $ 1,215,000 $ 1,215,000 $ 0
Richmond City, Virginia 1 $ 145,000 $ 145,000 $ 39,000
Scott, Virginia 1 $ 145,000 $ 145,000 $ 52,000
Berkeley, West Virginia 1 $ 385,000 $ 385,000 $ 75,000
Brooke, West Virginia 1 $ 45,000 $ 45,000 $ 0
Clay, West Virginia 1 $ 45,000 $ 45,000 $ 19,000
Fayette, West Virginia 1 $ 35,000 $ 35,000 $ 72,000
Lincoln, West Virginia 1 $ 15,000 $ 15,000 $ 43,000
Marshall, West Virginia 1 $ 35,000 $ 35,000 $ 20,000
Taylor, West Virginia 1 $ 145,000 $ 145,000 $ 80,000
Webster, West Virginia 1 $ 55,000 $ 55,000 $ 58,000
Milwaukee, Wisconsin 1 $ 75,000 $ 75,000 $ 488,000

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
Cash-out Refinancing 1,011 $127,935,000 $126,000 $995,000 $95,000 $2,127,000
Home Purchase 938 $152,660,000 $162,000 $1,745,000 $89,000 $1,669,000
Home Improvement 789 $45,525,000 $57,000 $635,000 $79,000 $555,000
Refinancing 621 $106,355,000 $171,000 $2,585,000 $124,000 $7,115,000
Other Purpose 359 $25,565,000 $71,000 $675,000 $82,000 $851,000
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 3,317 $395,435,000 $119,000 $2,585,000 $91,000 $7,115,000
Not Provided 208 $29,960,000 $144,000 $1,745,000 $111,000 $1,233,000
Black or African American 57 $8,345,000 $146,000 $495,000 $99,000 $520,000
Hispanic 51 $5,545,000 $108,000 $995,000 $157,000 $2,127,000
Asian 38 $6,310,000 $166,000 $505,000 $86,000 $337,000
Not applicable 23 $10,105,000 $439,000 $1,215,000 $0 $0
American Indian or Alaskan Native 19 $1,405,000 $73,000 $185,000 $65,000 $153,000
Native Hawaiian or Other Pacific Islander 1 $265,000 $265,000 $265,000 $348,000 $348,000

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) 3,628 $445,380,000 $122,000 $2,585,000 $94,000 $7,115,000
FHA-insured (Federal Housing Administration) 58 $7,650,000 $131,000 $325,000 $78,000 $1,233,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $3,295,000 $131,000 $265,000 $53,000 $84,000
VA-guaranteed (Veterans Administration) 7 $1,715,000 $245,000 $465,000 $111,000 $232,000

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 2,370 $299,500,000 $126,000 $2,585,000 $99,000 $7,115,000
Application Denied By Financial Institution 737 $70,605,000 $95,000 $925,000 $68,000 $2,127,000
Application Withdrawn By Applicant 351 $49,835,000 $141,000 $1,045,000 $99,000 $1,233,000
Application Approved But Not Accepted 101 $10,185,000 $100,000 $475,000 $93,000 $724,000
File Closed For Incompleteness 94 $16,040,000 $170,000 $1,005,000 $127,000 $1,474,000
Loan Purchased By The Institution 65 $11,875,000 $182,000 $375,000 $115,000 $438,000
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
Not applicable 2,981 $387,435,000 $129,000 $2,585,000 $100,000 $7,115,000
Debt-To-Income Ratio 308 $32,960,000 $107,000 $925,000 $46,000 $214,000
Credit History 294 $24,500,000 $83,000 $705,000 $71,000 $750,000
Collateral 89 $9,015,000 $101,000 $475,000 $97,000 $520,000
Credit Application Incomplete 24 $2,130,000 $88,000 $495,000 $215,000 $2,127,000
Other 13 $1,335,000 $102,000 $185,000 $75,000 $207,000
Unverifiable Information 4 $260,000 $65,000 $205,000 $85,000 $218,000
Insufficient Cash (Downpayment, Closing Cost) 4 $250,000 $62,000 $95,000 $47,000 $84,000
Employment History 1 $155,000 $155,000 $155,000 $80,000 $80,000
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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