Peoples Home Equity Mortgage Lending & HMDA Data, 2011
In 2011, Peoples Home Equity of Brentwood, TN reported 4,525 mortgage applications totaling $727.8 million, up 77% from 2010. The average application was for $160,846, and applicants reported an average income of $69,561. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Milwaukee-Waukesha-West Allis, WI (858), Nashville-Davidson--Murfreesboro--Franklin, TN (699) and Knoxville, TN (309) (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 | 4,525 |
| Total Mortgage Loan Application Amount | $727,831,000 |
| Average Mortgage Loan Application Amount | $160,846 |
| Highest Mortgage Loan Application Amount | $1,080,000 |
| Average Applicant Income | $69,561 |
| Highest Applicant Income | $1,393,000 |
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Act (HMDA) records Peoples Home Equity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Milwaukee-Waukesha-West Allis, WI | 858 | $ 138,198,000 | $ 161,069 | $ 72,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 699 | $ 117,612,000 | $ 168,257 | $ 72,000 |
| Knoxville, TN | 309 | $ 48,211,000 | $ 156,022 | $ 65,000 |
| Chattanooga, TN-GA | 280 | $ 39,439,000 | $ 140,853 | $ 63,321 |
| Chicago-Joliet-Naperville, IL | 268 | $ 58,123,000 | $ 216,876 | $ 83,000 |
| Green Bay, WI | 173 | $ 24,415,000 | $ 141,127 | $ 63,000 |
| Greensboro-High Point, NC | 119 | $ 15,742,000 | $ 132,285 | $ 55,000 |
| Phoenix-Mesa-Glendale, AZ | 100 | $ 15,886,000 | $ 158,860 | $ 83,000 |
| Kingsport-Bristol-Bristol, TN-VA | 88 | $ 10,800,000 | $ 122,727 | $ 49,295 |
| Johnson City, TN | 81 | $ 10,934,000 | $ 134,987 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 75 | $ 14,294,000 | $ 190,586 | $ 79,320 |
| Appleton, WI | 74 | $ 9,868,000 | $ 133,351 | $ 66,000 |
| Racine, WI | 60 | $ 8,723,000 | $ 145,383 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 56 | $ 8,718,000 | $ 155,678 | $ 61,035 |
| Madison, WI | 53 | $ 9,561,000 | $ 180,396 | $ 79,000 |
| Morristown, TN | 51 | $ 6,145,000 | $ 120,490 | $ 45,000 |
| Louisville-Jefferson County, KY-IN | 46 | $ 9,139,000 | $ 198,673 | $ 81,065 |
| Oshkosh-Neenah, WI | 45 | $ 6,039,000 | $ 134,200 | $ 60,000 |
| Winston-Salem, NC | 35 | $ 4,116,000 | $ 117,600 | $ 58,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 24 | $ 3,241,000 | $ 135,041 | $ 50,625 |
| Orlando-Kissimmee-Sanford, FL | 22 | $ 2,692,000 | $ 122,363 | $ 90,000 |
| Eau Claire, WI | 21 | $ 3,349,000 | $ 159,476 | $ 65,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 21 | $ 6,428,000 | $ 306,095 | $ 87,904 |
| Fond Du Lac, WI | 19 | $ 2,536,000 | $ 133,473 | $ 66,000 |
| Clarksville, TN-KY | 17 | $ 2,509,000 | $ 147,588 | $ 81,000 |
| Atlanta-Sandy Springs-Marietta, GA | 16 | $ 2,816,000 | $ 176,000 | $ 158,000 |
| Wausau, WI | 15 | $ 2,504,000 | $ 166,933 | $ 76,000 |
| Memphis, TN-MS-AR | 14 | $ 2,605,000 | $ 186,071 | $ 74,000 |
| Prescott, AZ | 13 | $ 1,989,000 | $ 153,000 | $ 64,000 |
| Raleigh-Cary, NC | 13 | $ 2,001,000 | $ 153,923 | $ 66,000 |
| Cleveland, TN | 12 | $ 2,338,000 | $ 194,833 | $ 72,000 |
| Dalton, GA | 12 | $ 1,354,000 | $ 112,833 | $ 51,000 |
| Los Angeles-Long Beach-Glendale, CA | 12 | $ 5,083,000 | $ 423,583 | $ 133,000 |
| La Crosse, WI-MN | 11 | $ 1,676,000 | $ 152,363 | $ 58,000 |
| Sheboygan, WI | 11 | $ 1,759,000 | $ 159,909 | $ 65,000 |
| Tucson, AZ | 11 | $ 1,652,000 | $ 150,181 | $ 79,000 |
| Indianapolis-Carmel, IN | 10 | $ 1,565,000 | $ 156,500 | $ 68,000 |
| Jacksonville, FL | 10 | $ 2,539,000 | $ 253,900 | $ 94,000 |
| Baltimore-Towson, MD | 9 | $ 2,527,000 | $ 280,777 | $ 82,000 |
| Janesville, WI | 8 | $ 1,222,000 | $ 152,750 | $ 60,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 1,103,000 | $ 137,875 | $ 77,125 |
| Burlington, NC | 7 | $ 911,000 | $ 130,142 | $ 69,000 |
| Lexington-Fayette, KY | 7 | $ 1,066,000 | $ 152,285 | $ 49,000 |
| Bethesda-Rockville-Frederick, MD | 6 | $ 1,560,000 | $ 260,000 | $ 134,000 |
| Charleston-North Charleston-Summerville, SC | 6 | $ 1,220,000 | $ 203,333 | $ 122,000 |
| Durham-Chapel Hill, NC | 6 | $ 648,000 | $ 108,000 | $ 54,000 |
| Fort Worth-Arlington, TX | 6 | $ 683,000 | $ 113,833 | $ 93,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 870,000 | $ 145,000 | $ 82,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 1,329,000 | $ 221,500 | $ 136,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 901,000 | $ 150,166 | $ 59,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,172,000 | $ 362,000 | $ 91,000 |
| Wilmington, NC | 6 | $ 917,000 | $ 152,833 | $ 63,000 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 1,378,000 | $ 275,600 | $ 98,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,491,000 | $ 298,200 | $ 140,000 |
| Richmond, VA | 5 | $ 963,000 | $ 192,600 | $ 63,000 |
| Birmingham-Hoover, AL | 4 | $ 638,000 | $ 159,500 | $ 58,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 695,000 | $ 173,750 | $ 44,500 |
| Fayetteville, NC | 4 | $ 626,000 | $ 156,500 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 725,000 | $ 181,250 | $ 55,000 |
| Jackson, TN | 4 | $ 528,000 | $ 132,000 | $ 54,000 |
| Asheville, NC | 3 | $ 421,000 | $ 140,333 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 213,000 | $ 71,000 | $ 28,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 391,000 | $ 130,333 | $ 61,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 258,000 | $ 86,000 | $ 47,000 |
| Rochester, MN | 3 | $ 895,000 | $ 298,333 | $ 115,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 1,467,000 | $ 489,000 | $ 131,000 |
| Vallejo-Fairfield, CA | 3 | $ 920,000 | $ 306,666 | $ 159,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 650,000 | $ 216,666 | $ 187,000 |
| Champaign-Urbana, IL | 2 | $ 187,000 | $ 93,500 | $ 48,000 |
| Corpus Christi, TX | 2 | $ 416,000 | $ 208,000 | $ 117,000 |
| Elizabethtown, KY | 2 | $ 480,000 | $ 240,000 | $ 95,000 |
| Huntsville, AL | 2 | $ 226,000 | $ 113,000 | $ 39,000 |
| Jackson, MS | 2 | $ 332,000 | $ 166,000 | $ 72,000 |
| Lake Charles, LA | 2 | $ 191,000 | $ 95,500 | $ 60,000 |
| Montgomery, AL | 2 | $ 253,000 | $ 126,500 | $ 45,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 442,000 | $ 221,000 | $ 236,000 |
| Ocala, FL | 2 | $ 116,000 | $ 58,000 | $ 34,000 |
| Peoria, IL | 2 | $ 247,000 | $ 123,500 | $ 24,000 |
| Roanoke, VA | 2 | $ 420,000 | $ 210,000 | $ 54,000 |
| Shreveport-Bossier City, LA | 2 | $ 677,000 | $ 338,500 | $ 148,000 |
| Tyler, TX | 2 | $ 568,000 | $ 284,000 | $ 124,000 |
| Anderson, IN | 1 | $ 70,000 | $ 70,000 | $ 37,000 |
| Auburn-Opelika, AL | 1 | $ 234,000 | $ 234,000 | $ 140,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 135,000 | $ 135,000 | $ 29,000 |
| Bakersfield-Delano, CA | 1 | $ 70,000 | $ 70,000 | $ 44,000 |
| Bowling Green, KY | 1 | $ 132,000 | $ 132,000 | $ 66,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 94,000 | $ 94,000 | $ 107,000 |
| Colorado Springs, CO | 1 | $ 272,000 | $ 272,000 | $ 142,000 |
| Columbus, GA-AL | 1 | $ 122,000 | $ 122,000 | $ 44,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 148,000 | $ 148,000 | $ 108,000 |
| Duluth, MN-WI | 1 | $ 136,000 | $ 136,000 | $ 51,000 |
| El Paso, TX | 1 | $ 71,000 | $ 71,000 | $ 94,000 |
| Gary, IN | 1 | $ 362,000 | $ 362,000 | $ 136,000 |
| Greeley, CO | 1 | $ 120,000 | $ 120,000 | $ 151,000 |
| Greenville, NC | 1 | $ 133,000 | $ 133,000 | $ 29,000 |
| Harrisonburg, VA | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Kankakee-Bradley, IL | 1 | $ 216,000 | $ 216,000 | $ 18,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 128,000 | $ 128,000 | $ 99,000 |
| Lafayette, IN | 1 | $ 317,000 | $ 317,000 | $ 85,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 142,000 | $ 142,000 | $ 64,000 |
| Lakeland-Winter Haven, FL | 1 | $ 97,000 | $ 97,000 | $ 44,000 |
| Mobile, AL | 1 | $ 177,000 | $ 177,000 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 133,000 | $ 133,000 | $ 99,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 405,000 | $ 405,000 | $ 128,000 |
| Owensboro, KY | 1 | $ 99,000 | $ 99,000 | $ 69,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 610,000 | $ 610,000 | $ 288,000 |
| Rockford, IL | 1 | $ 133,000 | $ 133,000 | $ 57,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 573,000 | $ 573,000 | $ 150,000 |
| Salinas, CA | 1 | $ 143,000 | $ 143,000 | $ 115,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Sebastian-Vero Beach, FL | 1 | $ 118,000 | $ 118,000 | $ 55,000 |
| Stockton, CA | 1 | $ 873,000 | $ 873,000 | $ 30,000 |
| Tallahassee, FL | 1 | $ 280,000 | $ 280,000 | $ 248,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 84,000 | $ 84,000 | $ 54,000 |
| Visalia-Porterville, CA | 1 | $ 101,000 | $ 101,000 | $ 29,000 |
| Yuma, AZ | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
Mortgage Loan Application Detail Totals for Peoples Home Equity in 2011
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 | 2,781 | $467,871,000 | $168,000 | $1,080,000 | $73,000 | $1,393,000 |
| Home Purchase | 1,710 | $255,555,000 | $149,000 | $734,000 | $64,000 | $1,100,000 |
| Home Improvement | 34 | $4,405,000 | $129,000 | $274,000 | $68,000 | $152,000 |
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 | 3,876 | $631,366,000 | $162,000 | $1,080,000 | $72,000 | $1,393,000 |
| Black or African American | 299 | $44,529,000 | $148,000 | $520,000 | $58,000 | $350,000 |
| Hispanic | 272 | $39,775,000 | $146,000 | $873,000 | $55,000 | $318,000 |
| Asian | 62 | $10,083,000 | $162,000 | $421,000 | $62,000 | $152,000 |
| American Indian or Alaskan Native | 8 | $1,282,000 | $160,000 | $224,000 | $80,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $489,000 | $97,000 | $129,000 | $46,000 | $70,000 |
| Not Provided | 3 | $307,000 | $102,000 | $161,000 | $35,000 | $64,000 |
| 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) | 2,159 | $331,303,000 | $153,000 | $631,000 | $60,000 | $1,100,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,898 | $327,692,000 | $172,000 | $1,080,000 | $85,000 | $1,393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 319 | $41,234,000 | $129,000 | $296,000 | $43,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 149 | $27,602,000 | $185,000 | $552,000 | $70,000 | $186,000 |
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 | 3,334 | $543,680,000 | $163,000 | $734,000 | $72,000 | $1,393,000 |
| Application Withdrawn By Applicant | 876 | $133,604,000 | $152,000 | $720,000 | $62,000 | $459,000 |
| File Closed For Incompleteness | 174 | $30,369,000 | $174,000 | $1,080,000 | $65,000 | $411,000 |
| Application Denied By Financial Institution | 120 | $16,896,000 | $140,000 | $450,000 | $61,000 | $1,100,000 |
| Application Approved But Not Accepted | 21 | $3,282,000 | $156,000 | $312,000 | $63,000 | $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 | 52 | $7,253,000 | $139,000 | $450,000 | $49,000 | $118,000 |
| Debt-To-Income Ratio | 27 | $3,988,000 | $147,000 | $262,000 | $52,000 | $146,000 |
| Collateral | 13 | $1,456,000 | $112,000 | $180,000 | $54,000 | $120,000 |
| Other | 9 | $1,132,000 | $125,000 | $224,000 | $168,000 | $1,100,000 |
| Unverifiable Information | 2 | $359,000 | $179,000 | $183,000 | $68,000 | $82,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $25,000 | $25,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $144,000 | $144,000 | $144,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Home Equity's 2011 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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