In 2013, Peoples Home Equity of Brentwood, TN reported 11,289 mortgage applications totaling $2.0 billion, up 36% from 2012. The average application was for $177,316, and applicants reported an average income of $72,195. 56% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (2,010), Nashville-Davidson--Murfreesboro--Franklin, TN (1,956) and Milwaukee-Waukesha-West Allis, WI (988) (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 | 11,289 |
| Total Mortgage Loan Application Amount | $2,001,727,000 |
| Average Mortgage Loan Application Amount | $177,316 |
| Highest Mortgage Loan Application Amount | $2,800,000 |
| Average Applicant Income | $72,195 |
| Highest Applicant Income | $3,684,000 |
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Act (HMDA) records Peoples Home Equity filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 2,010 | $ 416,703,000 | $ 207,314 | $ 91,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1,956 | $ 336,663,000 | $ 172,118 | $ 68,000 |
| Milwaukee-Waukesha-West Allis, WI | 988 | $ 165,622,000 | $ 167,633 | $ 74,000 |
| Chattanooga, TN-GA | 886 | $ 135,718,000 | $ 153,180 | $ 64,511 |
| Knoxville, TN | 824 | $ 131,260,000 | $ 159,296 | $ 61,000 |
| Green Bay, WI | 441 | $ 64,896,000 | $ 147,156 | $ 65,000 |
| Phoenix-Mesa-Glendale, AZ | 437 | $ 86,172,000 | $ 197,189 | $ 87,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 291 | $ 60,665,000 | $ 208,470 | $ 57,773 |
| Lake County-Kenosha County, IL-WI | 170 | $ 36,358,000 | $ 213,870 | $ 101,588 |
| Clarksville, TN-KY | 159 | $ 24,743,000 | $ 155,616 | $ 50,031 |
| Appleton, WI | 128 | $ 18,475,000 | $ 144,335 | $ 64,000 |
| Johnson City, TN | 125 | $ 16,961,000 | $ 135,688 | $ 55,000 |
| Kingsport-Bristol-Bristol, TN-VA | 119 | $ 13,623,000 | $ 114,478 | $ 50,151 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 119 | $ 41,682,000 | $ 350,268 | $ 102,201 |
| Louisville/Jefferson County, KY-IN | 105 | $ 17,254,000 | $ 164,323 | $ 74,000 |
| Oshkosh-Neenah, WI | 97 | $ 13,067,000 | $ 134,711 | $ 58,000 |
| Racine, WI | 70 | $ 11,041,000 | $ 157,728 | $ 56,000 |
| Morristown, TN | 69 | $ 9,658,000 | $ 139,971 | $ 49,000 |
| Greensboro-High Point, NC | 64 | $ 7,390,000 | $ 115,468 | $ 42,000 |
| Atlanta-Sandy Springs-Marietta, GA | 48 | $ 9,006,000 | $ 187,625 | $ 61,000 |
| Richmond, VA | 47 | $ 10,113,000 | $ 215,170 | $ 45,000 |
| Warren-Troy-Farmington Hills, MI | 46 | $ 7,867,000 | $ 171,021 | $ 83,000 |
| Los Angeles-Long Beach-Glendale, CA | 44 | $ 17,027,000 | $ 386,977 | $ 125,000 |
| Madison, WI | 42 | $ 7,768,000 | $ 184,952 | $ 81,000 |
| Eau Claire, WI | 41 | $ 6,856,000 | $ 167,219 | $ 56,000 |
| Cleveland, TN | 40 | $ 5,341,000 | $ 133,525 | $ 55,000 |
| St. Louis, MO-IL | 34 | $ 6,130,000 | $ 180,294 | $ 87,000 |
| Dalton, GA | 32 | $ 3,943,000 | $ 123,218 | $ 44,000 |
| Winston-Salem, NC | 32 | $ 3,759,000 | $ 117,468 | $ 49,000 |
| Riverside-San Bernardino-Ontario, CA | 31 | $ 8,794,000 | $ 283,677 | $ 82,000 |
| Fond Du Lac, WI | 30 | $ 3,931,000 | $ 131,033 | $ 55,000 |
| Rockford, IL | 29 | $ 4,715,000 | $ 162,586 | $ 74,000 |
| Fayetteville, NC | 28 | $ 5,206,000 | $ 185,928 | $ 5,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 4,242,000 | $ 157,111 | $ 45,000 |
| Memphis, TN-MS-AR | 27 | $ 4,575,000 | $ 169,444 | $ 80,000 |
| Sheboygan, WI | 25 | $ 3,600,000 | $ 144,000 | $ 84,000 |
| Tucson, AZ | 25 | $ 4,108,000 | $ 164,320 | $ 66,000 |
| Santa Ana-Anaheim-Irvine, CA | 20 | $ 8,665,000 | $ 433,250 | $ 112,000 |
| Baltimore-Towson, MD | 19 | $ 5,166,000 | $ 271,894 | $ 123,000 |
| Charleston-North Charleston-Summerville, SC | 19 | $ 3,790,000 | $ 199,473 | $ 253,000 |
| Tampa-St. Petersburg-Clearwater, FL | 19 | $ 3,609,000 | $ 189,947 | $ 47,000 |
| Orlando-Kissimmee-Sanford, FL | 18 | $ 4,009,000 | $ 222,722 | $ 33,000 |
| Raleigh-Cary, NC | 18 | $ 3,567,000 | $ 198,166 | $ 63,000 |
| Detroit-Livonia-Dearborn, MI | 17 | $ 1,554,000 | $ 91,411 | $ 57,000 |
| Jacksonville, FL | 17 | $ 3,044,000 | $ 179,058 | $ 36,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 7,284,000 | $ 455,250 | $ 129,000 |
| Philadelphia, PA | 16 | $ 2,224,000 | $ 139,000 | $ 117,000 |
| Cincinnati-Middletown, OH-KY-IN | 15 | $ 2,598,000 | $ 173,200 | $ 58,000 |
| San Diego-Carlsbad-San Marcos, CA | 15 | $ 4,360,000 | $ 290,666 | $ 104,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 14 | $ 2,493,000 | $ 178,071 | $ 35,714 |
| Denver-Aurora-Broomfield, CO | 14 | $ 4,205,000 | $ 300,357 | $ 101,000 |
| Lake Havasu City-Kingman, AZ | 14 | $ 2,329,000 | $ 166,357 | $ 91,000 |
| Miami-Miami Beach-Kendall, FL | 14 | $ 3,677,000 | $ 262,642 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 14 | $ 2,506,000 | $ 179,000 | $ 59,000 |
| Dallas-Plano-Irving, TX | 13 | $ 1,686,000 | $ 129,692 | $ 88,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 13 | $ 3,577,000 | $ 275,153 | $ 129,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 6,034,000 | $ 464,153 | $ 136,000 |
| Janesville, WI | 12 | $ 1,583,000 | $ 131,916 | $ 63,000 |
| La Crosse, WI-MN | 12 | $ 1,605,000 | $ 133,750 | $ 58,000 |
| Lexington-Fayette, KY | 12 | $ 2,040,000 | $ 170,000 | $ 69,000 |
| Houston-Sugar Land-Baytown, TX | 10 | $ 1,391,000 | $ 139,100 | $ 61,000 |
| Burlington, NC | 9 | $ 965,000 | $ 107,222 | $ 40,000 |
| Jacksonville, NC | 9 | $ 1,414,000 | $ 157,111 | $ 0 |
| Prescott, AZ | 9 | $ 1,369,000 | $ 152,111 | $ 60,000 |
| Columbus, GA-AL | 8 | $ 1,492,000 | $ 186,500 | $ 14,875 |
| Wausau, WI | 8 | $ 847,000 | $ 105,875 | $ 54,000 |
| Asheville, NC | 7 | $ 1,111,000 | $ 158,714 | $ 48,000 |
| Austin-Round Rock-San Marcos, TX | 7 | $ 870,000 | $ 124,285 | $ 44,000 |
| Birmingham-Hoover, AL | 7 | $ 1,251,000 | $ 178,714 | $ 149,000 |
| Decatur, IL | 7 | $ 777,000 | $ 111,000 | $ 48,000 |
| Fort Worth-Arlington, TX | 7 | $ 858,000 | $ 122,571 | $ 78,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,262,000 | $ 180,285 | $ 53,000 |
| Lynchburg, VA | 7 | $ 858,000 | $ 122,571 | $ 41,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,281,000 | $ 183,000 | $ 30,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 7 | $ 1,631,000 | $ 233,000 | $ 49,000 |
| Peoria, IL | 7 | $ 1,130,000 | $ 161,428 | $ 176,000 |
| Savannah, GA | 7 | $ 1,899,000 | $ 271,285 | $ 111,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,239,000 | $ 177,000 | $ 65,000 |
| Wilmington, NC | 7 | $ 1,212,000 | $ 173,142 | $ 37,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,237,000 | $ 206,166 | $ 14,000 |
| Greeley, CO | 6 | $ 1,296,000 | $ 216,000 | $ 78,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 976,000 | $ 162,666 | $ 74,000 |
| Jackson, TN | 6 | $ 637,000 | $ 106,166 | $ 70,000 |
| Kankakee-Bradley, IL | 6 | $ 990,000 | $ 165,000 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 6 | $ 1,060,000 | $ 176,666 | $ 250,000 |
| Pittsburgh, PA | 6 | $ 539,000 | $ 89,833 | $ 50,000 |
| San Antonio-New Braunfels, TX | 6 | $ 595,000 | $ 99,166 | $ 38,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 665,000 | $ 133,000 | $ 72,000 |
| Durham-Chapel Hill, NC | 5 | $ 886,000 | $ 177,200 | $ 76,000 |
| San Francisco-San Mateo-Redwood City, CA | 5 | $ 2,531,000 | $ 506,200 | $ 141,000 |
| Gary, IN | 4 | $ 687,000 | $ 171,750 | $ 87,000 |
| Greenville-Mauldin-Easley, SC | 4 | $ 590,000 | $ 147,500 | $ 42,000 |
| Bakersfield-Delano, CA | 3 | $ 384,000 | $ 128,000 | $ 80,000 |
| Bethesda-Rockville-Frederick, MD | 3 | $ 1,494,000 | $ 498,000 | $ 100,000 |
| Boulder, CO | 3 | $ 3,838,000 | $ 1,279,333 | $ 217,000 |
| Bowling Green, KY | 3 | $ 516,000 | $ 172,000 | $ 28,000 |
| Champaign-Urbana, IL | 3 | $ 353,000 | $ 117,666 | $ 136,000 |
| Colorado Springs, CO | 3 | $ 1,488,000 | $ 496,000 | $ 112,000 |
| Columbia, SC | 3 | $ 667,000 | $ 222,333 | $ 0 |
| Indianapolis-Carmel, IN | 3 | $ 252,000 | $ 84,000 | $ 52,000 |
| Macon, GA | 3 | $ 455,000 | $ 151,666 | $ 4,000 |
| Mobile, AL | 3 | $ 491,000 | $ 163,666 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,386,000 | $ 462,000 | $ 180,000 |
| Port St. Lucie, FL | 3 | $ 415,000 | $ 138,333 | $ 40,000 |
| Springfield, IL | 3 | $ 562,000 | $ 187,333 | $ 120,000 |
| Tallahassee, FL | 3 | $ 511,000 | $ 170,333 | $ 28,000 |
| Ann Arbor, MI | 2 | $ 179,000 | $ 89,500 | $ 48,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 538,000 | $ 269,000 | $ 48,000 |
| Bloomington-Normal, IL | 2 | $ 245,000 | $ 122,500 | $ 60,000 |
| College Station-Bryan, TX | 2 | $ 226,000 | $ 113,000 | $ 84,000 |
| Corpus Christi, TX | 2 | $ 149,000 | $ 74,500 | $ 264,000 |
| Duluth, MN-WI | 2 | $ 195,000 | $ 97,500 | $ 48,000 |
| Flagstaff, AZ | 2 | $ 634,000 | $ 317,000 | $ 1,068,000 |
| Florence-Muscle Shoals, AL | 2 | $ 145,000 | $ 72,500 | $ 48,000 |
| Goldsboro, NC | 2 | $ 357,000 | $ 178,500 | $ 0 |
| Huntsville, AL | 2 | $ 370,000 | $ 185,000 | $ 78,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 136,000 | $ 68,000 | $ 108,000 |
| Lancaster, PA | 2 | $ 562,000 | $ 281,000 | $ 84,000 |
| Michigan City-La Porte, IN | 2 | $ 542,000 | $ 271,000 | $ 246,000 |
| Reading, PA | 2 | $ 234,000 | $ 117,000 | $ 108,000 |
| Roanoke, VA | 2 | $ 420,000 | $ 210,000 | $ 24,000 |
| Rocky Mount, NC | 2 | $ 257,000 | $ 128,500 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 1,153,000 | $ 576,500 | $ 174,000 |
| Athens-Clarke County, GA | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Beaumont-Port Arthur, TX | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 231,000 | $ 231,000 | $ 288,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 172,000 | $ 172,000 | $ 48,000 |
| Charlottesville, VA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 201,000 | $ 201,000 | $ 48,000 |
| Danville, IL | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 146,000 | $ 146,000 | $ 36,000 |
| Flint, MI | 1 | $ 50,000 | $ 50,000 | $ 132,000 |
| Fresno, CA | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 144,000 | $ 144,000 | $ 48,000 |
| Greenville, NC | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 173,000 | $ 173,000 | $ 84,000 |
| Harrisburg-Carlisle, PA | 1 | $ 148,000 | $ 148,000 | $ 240,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 304,000 | $ 304,000 | $ 372,000 |
| Longview, TX | 1 | $ 59,000 | $ 59,000 | $ 36,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 95,000 | $ 95,000 | $ 24,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 94,000 | $ 94,000 | $ 72,000 |
| Palm Coast, FL | 1 | $ 126,000 | $ 126,000 | $ 96,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Rochester, MN | 1 | $ 291,000 | $ 291,000 | $ 120,000 |
| Sherman-Denison, TX | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Spartanburg, SC | 1 | $ 121,000 | $ 121,000 | $ 36,000 |
| St. Cloud, MN | 1 | $ 142,000 | $ 142,000 | $ 72,000 |
| Tuscaloosa, AL | 1 | $ 187,000 | $ 187,000 | $ 144,000 |
| Waco, TX | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Warner Robins, GA | 1 | $ 89,000 | $ 89,000 | $ 84,000 |
| Winchester, VA-WV | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Yuma, AZ | 1 | $ 126,000 | $ 126,000 | $ 48,000 |
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 | 6,517 | $1,217,068,000 | $186,000 | $2,800,000 | $76,000 | $3,684,000 |
| Home Purchase | 4,772 | $784,659,000 | $164,000 | $1,097,000 | $67,000 | $1,248,000 |
| Home Improvement | 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 | 8,613 | $1,529,613,000 | $177,000 | $2,800,000 | $75,000 | $3,684,000 |
| Black or African American | 904 | $154,470,000 | $170,000 | $995,000 | $52,000 | $324,000 |
| Not Provided | 764 | $139,478,000 | $182,000 | $660,000 | $77,000 | $1,800,000 |
| Hispanic | 724 | $119,262,000 | $164,000 | $765,000 | $56,000 | $360,000 |
| Asian | 249 | $50,481,000 | $202,000 | $800,000 | $83,000 | $1,248,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $5,717,000 | $272,000 | $774,000 | $94,000 | $468,000 |
| American Indian or Alaskan Native | 14 | $2,706,000 | $193,000 | $404,000 | $59,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 6,269 | $1,161,806,000 | $185,000 | $2,800,000 | $89,000 | $3,684,000 |
| FHA-insured (Federal Housing Administration) | 4,110 | $657,464,000 | $159,000 | $995,000 | $53,000 | $864,000 |
| VA-guaranteed (Veterans Administration) | 909 | $182,108,000 | $200,000 | $844,000 | $46,000 | $504,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $349,000 | $349,000 | $349,000 | $204,000 | $204,000 |
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 | 6,295 | $1,088,447,000 | $172,000 | $1,097,000 | $71,000 | $1,560,000 |
| Application Withdrawn By Applicant | 4,186 | $782,035,000 | $186,000 | $2,800,000 | $76,000 | $3,684,000 |
| Application Denied By Financial Institution | 805 | $130,849,000 | $162,000 | $1,313,000 | $62,000 | $876,000 |
| File Closed For Incompleteness | 3 | $396,000 | $132,000 | $142,000 | $22,000 | $36,000 |
| Application Approved But Not Accepted | 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 | 383 | $58,585,000 | $152,000 | $750,000 | $57,000 | $468,000 |
| Debt-To-Income Ratio | 152 | $28,223,000 | $185,000 | $1,313,000 | $56,000 | $300,000 |
| Collateral | 117 | $18,213,000 | $155,000 | $800,000 | $73,000 | $264,000 |
| Other | 38 | $5,792,000 | $152,000 | $500,000 | $97,000 | $876,000 |
| Unverifiable Information | 32 | $6,496,000 | $203,000 | $627,000 | $64,000 | $156,000 |
| Employment History | 20 | $2,997,000 | $149,000 | $244,000 | $44,000 | $108,000 |
| Credit Application Incomplete | 19 | $3,322,000 | $174,000 | $297,000 | $60,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,505,000 | $167,000 | $417,000 | $56,000 | $252,000 |
| Mortgage Insurance Denied | 1 | $100,000 | $100,000 | $100,000 | $60,000 | $60,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Home Equity's 2013 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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