Peoples Home Equity Mortgage Lending & HMDA Data, 2009
In 2009, Peoples Home Equity of Brentwood, TN reported 2,620 mortgage applications totaling $404.8 million, up 229% from 2008. The average application was for $154,509, and applicants reported an average income of $44,111. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (555), Knoxville, TN (389) and Virginia Beach-Norfolk-Newport News, VA-NC (147) (applications in parentheses).
| Mortgage Company & Address | Peoples Home Equity 5205 Maryland Way Suite 100 Brentwood, TN 37027 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 2,620 |
| Total Mortgage Loan Application Amount | $404,816,000 |
| Average Mortgage Loan Application Amount | $154,509 |
| Highest Mortgage Loan Application Amount | $960,000 |
| Average Applicant Income | $44,111 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Home Equity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 555 | $ 89,450,000 | $ 161,171 | $ 43,000 |
| Knoxville, TN | 389 | $ 57,561,000 | $ 147,971 | $ 45,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 147 | $ 30,511,000 | $ 207,557 | $ 50,326 |
| Johnson City, TN | 140 | $ 17,559,000 | $ 125,421 | $ 37,000 |
| Kingsport-Bristol-Bristol, TN-VA | 113 | $ 12,088,000 | $ 106,973 | $ 31,707 |
| Chattanooga, TN-GA | 108 | $ 14,345,000 | $ 132,824 | $ 45,750 |
| Phoenix-Mesa-Scottsdale, AZ | 95 | $ 17,130,000 | $ 180,315 | $ 51,000 |
| Baltimore-Towson, MD | 60 | $ 14,939,000 | $ 248,983 | $ 66,000 |
| Indianapolis-Carmel, IN | 43 | $ 4,820,000 | $ 112,093 | $ 40,000 |
| Morristown, TN | 41 | $ 5,906,000 | $ 144,048 | $ 40,000 |
| Memphis, TN-MS-AR | 31 | $ 4,773,000 | $ 153,967 | $ 61,612 |
| Louisville-Jefferson County, KY-IN | 29 | $ 4,442,000 | $ 153,172 | $ 25,965 |
| Orlando-Kissimmee, FL | 19 | $ 2,653,000 | $ 139,631 | $ 51,000 |
| Charleston-North Charleston-Summerville, SC | 16 | $ 3,039,000 | $ 189,937 | $ 59,000 |
| Greensboro-High Point, NC | 16 | $ 1,755,000 | $ 109,687 | $ 24,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 5,128,000 | $ 320,500 | $ 86,000 |
| Winston-Salem, NC | 15 | $ 1,956,000 | $ 130,400 | $ 34,000 |
| Clarksville, TN-KY | 14 | $ 1,749,000 | $ 124,928 | $ 38,000 |
| Charlotte-Gastonia-Concord, NC-SC | 12 | $ 1,773,000 | $ 147,750 | $ 40,000 |
| Tucson, AZ | 12 | $ 2,039,000 | $ 169,916 | $ 14,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 2,268,000 | $ 226,800 | $ 131,000 |
| Jacksonville, FL | 10 | $ 1,489,000 | $ 148,900 | $ 65,000 |
| Birmingham-Hoover, AL | 9 | $ 938,000 | $ 104,222 | $ 38,000 |
| Dalton, GA | 7 | $ 815,000 | $ 116,428 | $ 28,000 |
| Raleigh-Cary, NC | 7 | $ 1,498,000 | $ 214,000 | $ 43,000 |
| Asheville, NC | 6 | $ 957,000 | $ 159,500 | $ 43,000 |
| Cleveland, TN | 5 | $ 478,000 | $ 95,600 | $ 39,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,809,000 | $ 361,800 | $ 218,000 |
| Yuma, AZ | 5 | $ 912,000 | $ 182,400 | $ 18,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 530,000 | $ 132,500 | $ 28,000 |
| Fayetteville, NC | 4 | $ 699,000 | $ 174,750 | $ 15,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 503,000 | $ 125,750 | $ 9,000 |
| Jackson, TN | 4 | $ 460,000 | $ 115,000 | $ 62,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,009,000 | $ 252,250 | $ 113,000 |
| Durham-Chapel Hill, NC | 3 | $ 481,000 | $ 160,333 | $ 22,000 |
| Prescott, AZ | 3 | $ 598,000 | $ 199,333 | $ 26,000 |
| Sebastian-Vero Beach, FL | 3 | $ 345,000 | $ 115,000 | $ 103,000 |
| Anderson, IN | 2 | $ 184,000 | $ 92,000 | $ 11,000 |
| Bethesda-Frederick-Rockville, MD | 2 | $ 351,000 | $ 175,500 | $ 57,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 326,000 | $ 163,000 | $ 68,000 |
| Dallas-Plano-Irving, TX | 2 | $ 462,000 | $ 231,000 | $ 82,000 |
| Decatur, AL | 2 | $ 146,000 | $ 73,000 | $ 45,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 380,000 | $ 190,000 | $ 60,000 |
| Kokomo, IN | 2 | $ 176,000 | $ 88,000 | $ 30,000 |
| Lafayette, IN | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Lexington-Fayette, KY | 2 | $ 271,000 | $ 135,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 447,000 | $ 223,500 | $ 76,000 |
| Michigan City-La Porte, IN | 2 | $ 184,000 | $ 92,000 | $ 28,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 361,000 | $ 180,500 | $ 0 |
| Mobile, AL | 2 | $ 244,000 | $ 122,000 | $ 73,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 387,000 | $ 193,500 | $ 267,000 |
| Ocala, FL | 2 | $ 277,000 | $ 138,500 | $ 45,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 791,000 | $ 395,500 | $ 57,000 |
| Richmond, VA | 2 | $ 299,000 | $ 149,500 | $ 35,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 417,000 | $ 208,500 | $ 29,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,159,000 | $ 579,500 | $ 89,000 |
| Warner Robins, GA | 2 | $ 312,000 | $ 156,000 | $ 29,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 406,000 | $ 203,000 | $ 121,000 |
| Wilmington, DE-MD-NJ | 2 | $ 283,000 | $ 141,500 | $ 22,500 |
| Altoona, PA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 148,000 | $ 148,000 | $ 70,000 |
| Bakersfield, CA | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Bellingham, WA | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Bend, OR | 1 | $ 267,000 | $ 267,000 | $ 192,000 |
| Bloomington, IN | 1 | $ 99,000 | $ 99,000 | $ 33,000 |
| Boston-Quincy, MA | 1 | $ 533,000 | $ 533,000 | $ 134,000 |
| Bowling Green, KY | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Burlington, NC | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 126,000 | $ 126,000 | $ 38,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Columbia, SC | 1 | $ 276,000 | $ 276,000 | $ 75,000 |
| Columbus, IN | 1 | $ 157,000 | $ 157,000 | $ 50,000 |
| El Paso, TX | 1 | $ 123,000 | $ 123,000 | $ 48,000 |
| Flagstaff, AZ | 1 | $ 273,000 | $ 273,000 | $ 77,000 |
| Florence, SC | 1 | $ 166,000 | $ 166,000 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 217,000 | $ 217,000 | $ 101,000 |
| Fort Smith, AR-OK | 1 | $ 181,000 | $ 181,000 | $ 65,000 |
| Gadsden, AL | 1 | $ 88,000 | $ 88,000 | $ 40,000 |
| Gainesville, GA | 1 | $ 352,000 | $ 352,000 | $ 146,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 161,000 | $ 161,000 | $ 53,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Huntsville, AL | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 61,000 | $ 61,000 | $ 37,000 |
| Lake Charles, LA | 1 | $ 130,000 | $ 130,000 | $ 31,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Macon, GA | 1 | $ 64,000 | $ 64,000 | $ 70,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 153,000 | $ 153,000 | $ 57,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 254,000 | $ 254,000 | $ 33,000 |
| Nassau-Suffolk, NY | 1 | $ 153,000 | $ 153,000 | $ 0 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 607,000 | $ 607,000 | $ 326,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 127,000 | $ 127,000 | $ 66,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Roanoke, VA | 1 | $ 113,000 | $ 113,000 | $ 43,000 |
| Salt Lake City, UT | 1 | $ 153,000 | $ 153,000 | $ 25,000 |
| Savannah, GA | 1 | $ 380,000 | $ 380,000 | $ 84,000 |
| Spartanburg, SC | 1 | $ 134,000 | $ 134,000 | $ 34,000 |
| Stockton, CA | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Tuscaloosa, AL | 1 | $ 348,000 | $ 348,000 | $ 98,000 |
| Wilmington, NC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| York-Hanover, PA | 1 | $ 119,000 | $ 119,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Peoples Home Equity in 2009
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 | 1,513 | $247,262,000 | $163,000 | $642,000 | $42,000 | $1,200,000 |
| Home Purchase | 1,106 | $157,291,000 | $142,000 | $960,000 | $47,000 | $364,000 |
| Home Improvement | 1 | $263,000 | $263,000 | $263,000 | $44,000 | $44,000 |
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 | 2,061 | $318,691,000 | $154,000 | $960,000 | $45,000 | $1,200,000 |
| Black or African American | 353 | $52,833,000 | $149,000 | $470,000 | $38,000 | $294,000 |
| Hispanic | 92 | $14,871,000 | $161,000 | $409,000 | $39,000 | $202,000 |
| Not Provided | 66 | $10,034,000 | $152,000 | $605,000 | $50,000 | $299,000 |
| Asian | 37 | $5,845,000 | $157,000 | $290,000 | $44,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,761,000 | $220,000 | $476,000 | $45,000 | $126,000 |
| American Indian or Alaskan Native | 3 | $781,000 | $260,000 | $448,000 | $18,000 | $54,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,063 | $309,705,000 | $150,000 | $642,000 | $41,000 | $677,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 375 | $63,264,000 | $168,000 | $960,000 | $60,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 144 | $27,462,000 | $190,000 | $417,000 | $45,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $4,385,000 | $115,000 | $194,000 | $36,000 | $73,000 |
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 | 1,760 | $273,922,000 | $155,000 | $628,000 | $44,000 | $677,000 |
| Application Withdrawn By Applicant | 408 | $64,180,000 | $157,000 | $628,000 | $53,000 | $1,200,000 |
| Application Denied By Financial Institution | 389 | $55,419,000 | $142,000 | $675,000 | $37,000 | $600,000 |
| File Closed For Incompleteness | 54 | $9,699,000 | $179,000 | $960,000 | $41,000 | $131,000 |
| Application Approved But Not Accepted | 9 | $1,596,000 | $177,000 | $280,000 | $44,000 | $131,000 |
| 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 | 241 | $31,253,000 | $129,000 | $675,000 | $25,000 | $234,000 |
| Collateral | 44 | $9,368,000 | $212,000 | $642,000 | $110,000 | $600,000 |
| Other | 40 | $6,333,000 | $158,000 | $637,000 | $29,000 | $115,000 |
| Debt-To-Income Ratio | 36 | $4,982,000 | $138,000 | $374,000 | $35,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,092,000 | $109,000 | $173,000 | $65,000 | $343,000 |
| Employment History | 9 | $1,045,000 | $116,000 | $155,000 | $32,000 | $60,000 |
| Unverifiable Information | 5 | $744,000 | $148,000 | $236,000 | $24,000 | $53,000 |
| Credit Application Incomplete | 2 | $329,000 | $164,000 | $198,000 | $38,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Home Equity's 2009 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 Home Equity'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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