Peoples Bank Mortgage Lending & HMDA Data, 2019
In 2019, Peoples Bank of Marietta, OH reported 3,338 mortgage applications totaling $415.0 million, up 13% from 2018. The average application was for $124,325, and applicants reported an average income of $83,524. 64% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cincinnati, OH-KY-IN (593), Parkersburg-Vienna, WV (240) and Huntington-Ashland, WV-KY-OH (170) (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 | 3,338 |
| Total Mortgage Loan Application Amount | $415,000,000 |
| Average Mortgage Loan Application Amount | $124,325 |
| Highest Mortgage Loan Application Amount | $5,435,000 |
| Average Applicant Income | $83,524 |
| Highest Applicant Income | $2,886,000 |
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Act (HMDA) records Peoples Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 1,584 | $ 148,120,000 | $ 93,510 | $ 77,909 |
| Cincinnati, OH-KY-IN | 593 | $ 100,785,000 | $ 169,957 | $ 105,465 |
| Parkersburg-Vienna, WV | 240 | $ 23,170,000 | $ 96,541 | $ 87,783 |
| Huntington-Ashland, WV-KY-OH | 170 | $ 15,790,000 | $ 92,882 | $ 60,270 |
| Columbus, OH | 162 | $ 28,370,000 | $ 175,123 | $ 79,296 |
| Akron, OH | 130 | $ 15,110,000 | $ 116,230 | $ 67,000 |
| Dayton-Springfield-Kettering, OH | 119 | $ 26,665,000 | $ 224,075 | $ 113,000 |
| Cleveland-Elyria, OH | 83 | $ 12,895,000 | $ 155,361 | $ 35,000 |
| Louisville/Jefferson County, KY-IN | 47 | $ 11,285,000 | $ 240,106 | $ 95,000 |
| Charleston, WV | 17 | $ 1,465,000 | $ 86,176 | $ 69,000 |
| Canton-Massillon, OH | 11 | $ 1,375,000 | $ 125,000 | $ 63,000 |
| Lexington-Fayette, KY | 10 | $ 1,660,000 | $ 166,000 | $ 75,000 |
| Wheeling, WV-OH | 9 | $ 1,105,000 | $ 122,777 | $ 88,222 |
| Morgantown, WV | 6 | $ 2,130,000 | $ 355,000 | $ 55,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 500,000 | $ 125,000 | $ 86,000 |
| Beckley, WV | 2 | $ 290,000 | $ 145,000 | $ 87,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 330,000 | $ 165,000 | $ 111,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 550,000 | $ 275,000 | $ 127,000 |
| Lima, OH | 2 | $ 750,000 | $ 375,000 | $ 234,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 150,000 | $ 75,000 | $ 352,000 |
| Pittsburgh, PA | 2 | $ 70,000 | $ 35,000 | $ 53,000 |
| Toledo, OH | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 485,000 | $ 485,000 | $ 110,000 |
| Bowling Green, KY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 595,000 | $ 595,000 | $ 240,000 |
| Chicago-Naperville, IL | 1 | $ 715,000 | $ 715,000 | $ 222,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 205,000 | $ 205,000 | $ 153,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 55,000 | $ 55,000 | $ 189,000 |
| Dothan, AL | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 335,000 | $ 335,000 | $ 674,000 |
| Lynchburg, VA | 1 | $ 225,000 | $ 225,000 | $ 237,000 |
| Mansfield, OH | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
| New Orleans-Metairie, LA | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 395,000 | $ 395,000 | $ 282,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 75,000 | $ 75,000 | $ 118,000 |
| Providence-Warwick, RI-MA | 1 | $ 235,000 | $ 235,000 | $ 309,000 |
| Reading, PA | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Rockford, IL | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Springfield, OH | 1 | $ 285,000 | $ 285,000 | $ 177,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 215,000 | $ 215,000 | $ 0 |
| York-Hanover, PA | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Peoples Bank in 2019
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 | 1,393 | $227,725,000 | $163,000 | $5,435,000 | $86,000 | $2,886,000 |
| Cash-out Refinancing | 777 | $92,745,000 | $119,000 | $1,135,000 | $85,000 | $1,373,000 |
| Home Improvement | 498 | $21,640,000 | $43,000 | $505,000 | $83,000 | $2,416,000 |
| Refinancing | 365 | $55,475,000 | $151,000 | $855,000 | $87,000 | $772,000 |
| Other Purpose | 288 | $15,810,000 | $54,000 | $1,005,000 | $69,000 | $561,000 |
| Not Applicable | 17 | $1,605,000 | $94,000 | $275,000 | $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 | 2,958 | $341,390,000 | $115,000 | $1,135,000 | $86,000 | $2,886,000 |
| Not applicable | 195 | $41,435,000 | $212,000 | $5,435,000 | $0 | $1,000 |
| Black or African American | 61 | $11,325,000 | $185,000 | $505,000 | $120,000 | $440,000 |
| Asian | 41 | $8,145,000 | $198,000 | $405,000 | $82,000 | $254,000 |
| Not Provided | 39 | $5,545,000 | $142,000 | $485,000 | $109,000 | $312,000 |
| Hispanic | 29 | $5,255,000 | $181,000 | $885,000 | $162,000 | $700,000 |
| American Indian or Alaskan Native | 7 | $485,000 | $69,000 | $185,000 | $29,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $90,000 | $45,000 | $45,000 | $70,000 | $70,000 |
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) | 3,147 | $379,235,000 | $120,000 | $5,435,000 | $84,000 | $2,886,000 |
| FHA-insured (Federal Housing Administration) | 83 | $15,485,000 | $186,000 | $325,000 | $74,000 | $198,000 |
| VA-guaranteed (Veterans Administration) | 57 | $15,065,000 | $264,000 | $485,000 | $92,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $5,215,000 | $102,000 | $225,000 | $40,000 | $72,000 |
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 | 2,130 | $266,200,000 | $124,000 | $5,435,000 | $90,000 | $1,373,000 |
| Application Denied By Financial Institution | 447 | $37,525,000 | $83,000 | $1,135,000 | $72,000 | $2,416,000 |
| Application Withdrawn By Applicant | 228 | $29,930,000 | $131,000 | $885,000 | $96,000 | $2,886,000 |
| Loan Purchased By The Institution | 180 | $30,980,000 | $172,000 | $585,000 | $0 | $1,000 |
| Application Approved But Not Accepted | 155 | $25,065,000 | $161,000 | $485,000 | $99,000 | $282,000 |
| Preapproval Approved but not Accepted | 76 | $12,110,000 | $159,000 | $645,000 | $78,000 | $603,000 |
| File Closed For Incompleteness | 70 | $7,840,000 | $112,000 | $505,000 | $85,000 | $412,000 |
| Preapproval Denied by Financial Institution | 52 | $5,350,000 | $102,000 | $245,000 | $41,000 | $132,000 |
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 | 2,839 | $372,125,000 | $131,000 | $5,435,000 | $86,000 | $2,886,000 |
| Credit History | 208 | $14,840,000 | $71,000 | $415,000 | $77,000 | $2,416,000 |
| Debt-To-Income Ratio | 174 | $16,770,000 | $96,000 | $1,135,000 | $44,000 | $336,000 |
| Collateral | 81 | $6,435,000 | $79,000 | $345,000 | $79,000 | $273,000 |
| Credit Application Incomplete | 12 | $2,100,000 | $175,000 | $475,000 | $183,000 | $1,215,000 |
| Other | 11 | $1,465,000 | $133,000 | $505,000 | $96,000 | $346,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $930,000 | $116,000 | $255,000 | $61,000 | $107,000 |
| Unverifiable Information | 3 | $195,000 | $65,000 | $125,000 | $40,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $25,000 | $25,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Bank's 2019 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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