Peoples Exchange Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Peoples Exchange Bank 2004 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 Exchange Bank Po Box 4040 Winchester, KY 40392 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,295 |
| Total Mortgage Loan Application Amount | $112,384,000 |
| Average Mortgage Loan Application Amount | $64,250 |
| Highest Mortgage Loan Application Amount | $520,000 |
| Average Applicant Income | $60,375 |
| Highest Applicant Income | $1,358,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Peoples Exchange Bank. 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 Exchange Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Peoples Exchange Bank'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 Exchange Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Peoples Exchange Bank, 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 Exchange Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Kentucky | 167 | $ 14,342,000 | $ 85,000 | $ 43,000 |
| Clark County Kentucky | 147 | $ 15,506,000 | $ 105,000 | $ 44,000 |
| Powell County Kentucky | 112 | $ 7,562,000 | $ 67,000 | $ 38,000 |
| Lee County Kentucky | 86 | $ 2,046,000 | $ 23,000 | $ 33,000 |
| Adair County Kentucky | 81 | $ 7,907,000 | $ 97,000 | $ 37,000 |
| Warren County Kentucky | 49 | $ 4,141,000 | $ 84,000 | $ 42,000 |
| Taylor County Kentucky | 48 | $ 4,137,000 | $ 86,000 | $ 38,000 |
| Scott County Kentucky | 42 | $ 6,330,000 | $ 150,000 | $ 69,000 |
| Barren County Kentucky | 40 | $ 3,724,000 | $ 93,000 | $ 41,000 |
| Greenup County Kentucky | 38 | $ 3,670,000 | $ 96,000 | $ 50,000 |
| Rowan County Kentucky | 36 | $ 3,312,000 | $ 92,000 | $ 42,000 |
| Marion County Kentucky | 33 | $ 3,355,000 | $ 101,000 | $ 49,000 |
| Owsley County Kentucky | 28 | $ 572,000 | $ 20,000 | $ 33,000 |
| Casey County Kentucky | 25 | $ 1,987,000 | $ 79,000 | $ 36,000 |
| Fayette County Kentucky | 25 | $ 3,011,000 | $ 120,000 | $ 98,000 |
| Boyd County Kentucky | 20 | $ 2,007,000 | $ 100,000 | $ 61,000 |
| Bourbon County Kentucky | 19 | $ 1,894,000 | $ 99,000 | $ 70,000 |
| Bath County Kentucky | 17 | $ 1,441,000 | $ 84,000 | $ 52,000 |
| Pulaski County Kentucky | 16 | $ 1,115,000 | $ 69,000 | $ 38,000 |
| Allen County Kentucky | 14 | $ 1,128,000 | $ 80,000 | $ 34,000 |
| Madison County Kentucky | 14 | $ 2,526,000 | $ 180,000 | $ 71,000 |
| Wolfe County Kentucky | 14 | $ 747,000 | $ 53,000 | $ 45,000 |
| Carter County Kentucky | 13 | $ 1,088,000 | $ 83,000 | $ 52,000 |
| Russell County Kentucky | 12 | $ 908,000 | $ 75,000 | $ 34,000 |
| Green County Kentucky | 11 | $ 1,069,000 | $ 97,000 | $ 54,000 |
| Morgan County Kentucky | 11 | $ 1,378,000 | $ 125,000 | $ 54,000 |
| Boyle County Kentucky | 10 | $ 1,487,000 | $ 148,000 | $ 61,000 |
| Menifee County Kentucky | 10 | $ 533,000 | $ 53,000 | $ 55,000 |
| Elliott County Kentucky | 9 | $ 731,000 | $ 81,000 | $ 73,000 |
| Estill County Kentucky | 8 | $ 305,000 | $ 38,000 | $ 39,000 |
| Claiborne County Tennessee | 8 | $ 679,000 | $ 84,000 | $ 41,000 |
| Harlan County Kentucky | 7 | $ 503,000 | $ 71,000 | $ 46,000 |
| Hart County Kentucky | 6 | $ 598,000 | $ 99,000 | $ 45,000 |
| Lawrence County Ohio | 6 | $ 677,000 | $ 112,000 | $ 55,000 |
| Bell County Kentucky | 5 | $ 431,000 | $ 86,000 | $ 81,000 |
| Cumberland County Kentucky | 5 | $ 539,000 | $ 107,000 | $ 58,000 |
| Edmonson County Kentucky | 5 | $ 317,000 | $ 63,000 | $ 18,000 |
| Logan County Kentucky | 5 | $ 350,000 | $ 70,000 | $ 28,000 |
| Campbell County Tennessee | 5 | $ 525,000 | $ 105,000 | $ 58,000 |
| Butler County Kentucky | 4 | $ 253,000 | $ 63,000 | $ 35,000 |
| Franklin County Kentucky | 4 | $ 727,000 | $ 181,000 | $ 103,000 |
| Hardin County Kentucky | 4 | $ 344,000 | $ 86,000 | $ 19,000 |
| Harrison County Kentucky | 4 | $ 594,000 | $ 148,000 | $ 71,000 |
| Jefferson County Kentucky | 4 | $ 675,000 | $ 168,000 | $ 104,000 |
| Laurel County Kentucky | 4 | $ 363,000 | $ 90,000 | $ 40,000 |
| Perry County Kentucky | 4 | $ 134,000 | $ 33,000 | $ 21,000 |
| Floyd County Kentucky | 3 | $ 196,000 | $ 65,000 | $ 32,000 |
| Garrard County Kentucky | 3 | $ 251,000 | $ 83,000 | $ 49,000 |
| Jackson County Kentucky | 3 | $ 3,000 | $ 1,000 | $ 16,000 |
| Johnson County Kentucky | 3 | $ 383,000 | $ 127,000 | $ 53,000 |
| Metcalfe County Kentucky | 3 | $ 204,000 | $ 68,000 | $ 47,000 |
| Nelson County Kentucky | 3 | $ 484,000 | $ 161,000 | $ 79,000 |
| Simpson County Kentucky | 3 | $ 229,000 | $ 76,000 | $ 25,000 |
| Breathitt County Kentucky | 2 | $ 155,000 | $ 77,000 | $ 65,000 |
| Bullitt County Kentucky | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Fleming County Kentucky | 2 | $ 144,000 | $ 72,000 | $ 66,000 |
| Lewis County Kentucky | 2 | $ 138,000 | $ 69,000 | $ 53,000 |
| Meade County Kentucky | 2 | $ 175,000 | $ 87,000 | $ 29,000 |
| Mercer County Kentucky | 2 | $ 111,000 | $ 55,000 | $ 73,000 |
| Ohio County Kentucky | 2 | $ 154,000 | $ 77,000 | $ 32,000 |
| Wayne County Kentucky | 2 | $ 119,000 | $ 59,000 | $ 34,000 |
| Marshall County Alabama | 1 | $ 4,000 | $ 4,000 | $ 155,000 |
| Caldwell County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 73,000 |
| Carroll County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 96,000 |
| Christian County Kentucky | 1 | $ 67,000 | $ 67,000 | $ 21,000 |
| Clay County Kentucky | 1 | $ 44,000 | $ 44,000 | $ 28,000 |
| Clinton County Kentucky | 1 | $ 66,000 | $ 66,000 | $ 19,000 |
| Daviess County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 43,000 |
| Grayson County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 27,000 |
| Henderson County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 35,000 |
| Jessamine County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 50,000 |
| Larue County Kentucky | 1 | $ 22,000 | $ 22,000 | $ 14,000 |
| Letcher County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 44,000 |
| Lincoln County Kentucky | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Martin County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 58,000 |
| McCreary County Kentucky | 1 | $ 61,000 | $ 61,000 | $ 20,000 |
| Monroe County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 90,000 |
| Nicholas County Kentucky | 1 | $ 68,000 | $ 68,000 | $ 39,000 |
| Pike County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Rockcastle County Kentucky | 1 | $ 1,000 | $ 1,000 | $ 28,000 |
| Todd County Kentucky | 1 | $ 91,000 | $ 91,000 | $ 31,000 |
| Washington County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 75,000 |
| Woodford County Kentucky | 1 | $ 181,000 | $ 181,000 | $ 108,000 |
Mortgage Loan Application Detail Totals for Peoples Exchange Bank in 2004
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 | 589 | $48,696,000 | $62,333 | $364,000 | $35,666 | $384,000 |
| Refinancing | 586 | $61,756,000 | $102,333 | $520,000 | $57,333 | $324,000 |
| Home Improvement | 120 | $1,932,000 | $10,000 | $155,000 | $102,000 | $1,358,000 |
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 | 1,264 | $109,087,000 | $64,600 | $520,000 | $67,400 | $1,358,000 |
| Not applicable | 14 | $1,429,000 | $102,000 | $280,000 | $0 | $0 |
| Black or African American | 9 | $974,000 | $73,500 | $288,000 | $39,500 | $70,000 |
| Not Provided | 5 | $461,000 | $92,000 | $132,000 | $50,000 | $87,000 |
| Hispanic | 2 | $217,000 | $108,000 | $148,000 | $44,000 | $65,000 |
| Asian | 1 | $216,000 | $216,000 | $216,000 | $170,000 | $170,000 |
| American Indian or Alaskan Native | 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) | 1,131 | $99,177,000 | $61,400 | $520,000 | $66,800 | $1,358,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $9,975,000 | $79,000 | $158,000 | $31,000 | $65,000 |
| FHA-insured (Federal Housing Administration) | 23 | $1,855,000 | $80,000 | $129,000 | $37,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,377,000 | $91,000 | $189,000 | $47,000 | $84,000 |
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 | 948 | $86,339,000 | $94,333 | $428,000 | $52,666 | $1,358,000 |
| Application Withdrawn By Applicant | 178 | $16,093,000 | $72,000 | $520,000 | $86,666 | $245,000 |
| Application Denied By Financial Institution | 168 | $9,881,000 | $77,000 | $216,000 | $40,500 | $170,000 |
| Application Approved But Not Accepted | 1 | $71,000 | $71,000 | $71,000 | $33,000 | $33,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 93 | $4,618,000 | $31,000 | $196,000 | $32,000 | $120,000 |
| Debt-To-Income Ratio | 33 | $2,387,000 | $116,333 | $198,000 | $42,666 | $54,000 |
| Collateral | 22 | $1,331,000 | $60,000 | $185,000 | $30,000 | $78,000 |
| Other | 9 | $732,000 | $65,000 | $143,000 | $49,500 | $63,000 |
| Employment History | 7 | $584,000 | $83,000 | $216,000 | $51,000 | $170,000 |
| Credit Application Incomplete | 3 | $149,000 | $49,000 | $60,000 | $20,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $80,000 | $80,000 | $80,000 | $11,000 | $11,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Exchange Bank's 2004 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 Exchange 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.