Peoples National Bank , N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Peoples National Bank , N.A. 2020 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 National Bank , N.A. 520 S 42Nd St Mount Vernon, IL 62864 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 |
| Total Number of Mortgage Applications | 2,536 |
| Total Mortgage Loan Application Amount | $474,290,000 |
| Average Mortgage Loan Application Amount | $165,800 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $106,200 |
| Highest Applicant Income | $3,212,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Peoples National Bank , N.A.. 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 National Bank , N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Peoples National Bank , N.A.'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 National Bank , N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Peoples National Bank , N.A., 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 National Bank , N.A.'s mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 490 | $ 140,050,000 | $ 285,000 | $ 148,000 |
| Williamson County Illinois | 282 | $ 43,870,000 | $ 155,000 | $ 94,000 |
| Jefferson County Illinois | 253 | $ 31,205,000 | $ 123,000 | $ 84,000 |
| Marion County Illinois | 171 | $ 22,855,000 | $ 133,000 | $ 89,000 |
| Saline County Illinois | 168 | $ 19,420,000 | $ 115,000 | $ 119,000 |
| St. Charles County Missouri | 144 | $ 37,430,000 | $ 259,000 | $ 122,000 |
| Hamilton County Illinois | 120 | $ 13,180,000 | $ 109,000 | $ 78,000 |
| Franklin County Illinois | 116 | $ 13,030,000 | $ 112,000 | $ 76,000 |
| Madison County Illinois | 81 | $ 15,465,000 | $ 190,000 | $ 91,000 |
| Wayne County Illinois | 66 | $ 7,370,000 | $ 111,000 | $ 71,000 |
| White County Illinois | 65 | $ 7,715,000 | $ 118,000 | $ 83,000 |
| St. Clair County Illinois | 62 | $ 11,990,000 | $ 193,000 | $ 91,000 |
| St. Louis City County Missouri | 62 | $ 13,440,000 | $ 216,000 | $ 125,000 |
| Jefferson County Missouri | 54 | $ 11,890,000 | $ 220,000 | $ 90,000 |
| Johnson County Illinois | 45 | $ 6,975,000 | $ 155,000 | $ 130,000 |
| Jackson County Illinois | 29 | $ 3,785,000 | $ 130,000 | $ 71,000 |
| Clinton County Illinois | 18 | $ 2,990,000 | $ 166,000 | $ 104,000 |
| Monroe County Illinois | 17 | $ 3,925,000 | $ 230,000 | $ 113,000 |
| Gallatin County Illinois | 14 | $ 920,000 | $ 65,000 | $ 57,000 |
| Union County Illinois | 11 | $ 2,305,000 | $ 209,000 | $ 122,000 |
| Washington County Illinois | 11 | $ 1,495,000 | $ 135,000 | $ 115,000 |
| Edwards County Illinois | 9 | $ 665,000 | $ 73,000 | $ 59,000 |
| Hardin County Illinois | 9 | $ 875,000 | $ 97,000 | $ 74,000 |
| Pope County Illinois | 9 | $ 1,505,000 | $ 167,000 | $ 131,000 |
| Johnson County Kansas | 9 | $ 2,455,000 | $ 272,000 | $ 139,000 |
| Clay County Illinois | 8 | $ 1,460,000 | $ 182,000 | $ 68,000 |
| Fayette County Illinois | 8 | $ 1,330,000 | $ 166,000 | $ 110,000 |
| Franklin County Missouri | 8 | $ 2,580,000 | $ 322,000 | $ 173,000 |
| Perry County Illinois | 7 | $ 855,000 | $ 122,000 | $ 98,000 |
| Jersey County Illinois | 5 | $ 1,095,000 | $ 219,000 | $ 111,000 |
| Lincoln County Missouri | 5 | $ 965,000 | $ 193,000 | $ 44,000 |
| Benton County Arkansas | 4 | $ 1,080,000 | $ 270,000 | $ 122,000 |
| Lee County Florida | 4 | $ 1,160,000 | $ 290,000 | $ 141,000 |
| Cook County Illinois | 4 | $ 1,520,000 | $ 380,000 | $ 164,000 |
| Camden County Missouri | 4 | $ 850,000 | $ 212,000 | $ 210,000 |
| Maricopa County Arizona | 3 | $ 895,000 | $ 298,000 | $ 102,000 |
| Collier County Florida | 3 | $ 1,085,000 | $ 361,000 | $ 133,000 |
| Pinellas County Florida | 3 | $ 775,000 | $ 258,000 | $ 108,000 |
| Walton County Florida | 3 | $ 1,165,000 | $ 388,000 | $ 707,000 |
| Macoupin County Illinois | 3 | $ 375,000 | $ 125,000 | $ 49,000 |
| Montgomery County Maryland | 3 | $ 1,285,000 | $ 428,000 | $ 124,000 |
| St. Francois County Missouri | 3 | $ 485,000 | $ 161,000 | $ 241,000 |
| Warren County Missouri | 3 | $ 605,000 | $ 201,000 | $ 142,000 |
| DeKalb County Tennessee | 3 | $ 435,000 | $ 145,000 | $ 36,000 |
| Denton County Texas | 3 | $ 855,000 | $ 285,000 | $ 192,000 |
| Los Angeles County California | 2 | $ 800,000 | $ 400,000 | $ 105,000 |
| Jefferson County Colorado | 2 | $ 550,000 | $ 275,000 | $ 77,000 |
| Park County Colorado | 2 | $ 520,000 | $ 260,000 | $ 304,000 |
| Bibb County Georgia | 2 | $ 330,000 | $ 165,000 | $ 72,000 |
| Cobb County Georgia | 2 | $ 550,000 | $ 275,000 | $ 108,000 |
| Bond County Illinois | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Effingham County Illinois | 2 | $ 370,000 | $ 185,000 | $ 104,000 |
| Kendall County Illinois | 2 | $ 630,000 | $ 315,000 | $ 151,000 |
| Clark County Indiana | 2 | $ 180,000 | $ 90,000 | $ 110,000 |
| Posey County Indiana | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Boone County Missouri | 2 | $ 420,000 | $ 210,000 | $ 113,000 |
| Cape Girardeau County Missouri | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| Clay County Missouri | 2 | $ 830,000 | $ 415,000 | $ 220,000 |
| Dunklin County Missouri | 2 | $ 340,000 | $ 170,000 | $ 156,000 |
| New Madrid County Missouri | 2 | $ 300,000 | $ 150,000 | $ 185,000 |
| Platte County Missouri | 2 | $ 540,000 | $ 270,000 | $ 162,000 |
| Union County North Carolina | 2 | $ 980,000 | $ 490,000 | $ 169,000 |
| Stark County Ohio | 2 | $ 470,000 | $ 235,000 | $ 87,000 |
| Tulsa County Oklahoma | 2 | $ 630,000 | $ 315,000 | $ 130,000 |
| Dallas County Texas | 2 | $ 600,000 | $ 300,000 | $ 351,000 |
| Fort Bend County Texas | 2 | $ 590,000 | $ 295,000 | $ 170,000 |
| Tarrant County Texas | 2 | $ 440,000 | $ 220,000 | $ 318,000 |
| Fairfax County Virginia | 2 | $ 750,000 | $ 375,000 | $ 98,000 |
| Loudoun County Virginia | 2 | $ 850,000 | $ 425,000 | $ 198,000 |
| Baldwin County Alabama | 1 | $ 165,000 | $ 165,000 | $ 142,000 |
| Jefferson County Alabama | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Lauderdale County Alabama | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Boone County Arkansas | 1 | $ 325,000 | $ 325,000 | $ 73,000 |
| Washington County Arkansas | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Boulder County Colorado | 1 | $ 485,000 | $ 485,000 | $ 157,000 |
| Douglas County Colorado | 1 | $ 565,000 | $ 565,000 | $ 304,000 |
| Hillsborough County Florida | 1 | $ 515,000 | $ 515,000 | $ 325,000 |
| Manatee County Florida | 1 | $ 775,000 | $ 775,000 | $ 502,000 |
| Palm Beach County Florida | 1 | $ 255,000 | $ 255,000 | $ 292,000 |
| Polk County Florida | 1 | $ 445,000 | $ 445,000 | $ 326,000 |
| Sarasota County Florida | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| St. Johns County Florida | 1 | $ 245,000 | $ 245,000 | $ 59,000 |
| St. Lucie County Florida | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Sumter County Florida | 1 | $ 395,000 | $ 395,000 | $ 152,000 |
| Cherokee County Georgia | 1 | $ 365,000 | $ 365,000 | $ 215,000 |
| Coweta County Georgia | 1 | $ 255,000 | $ 255,000 | $ 170,000 |
| DeKalb County Georgia | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Effingham County Georgia | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Gwinnett County Georgia | 1 | $ 355,000 | $ 355,000 | $ 259,000 |
| Newton County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Boone County Illinois | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Christian County Illinois | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| DuPage County Illinois | 1 | $ 505,000 | $ 505,000 | $ 287,000 |
| Kane County Illinois | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Lake County Illinois | 1 | $ 325,000 | $ 325,000 | $ 279,000 |
| Macon County Illinois | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Massac County Illinois | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| McLean County Illinois | 1 | $ 95,000 | $ 95,000 | $ 127,000 |
| Pulaski County Illinois | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Randolph County Illinois | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| Sangamon County Illinois | 1 | $ 155,000 | $ 155,000 | $ 118,000 |
| Wabash County Illinois | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Delaware County Indiana | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Gibson County Indiana | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Warrick County Indiana | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Buena Vista County Iowa | 1 | $ 95,000 | $ 95,000 | $ 33,000 |
| Iowa County Iowa | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Linn County Iowa | 1 | $ 195,000 | $ 195,000 | $ 100,000 |
| Jefferson County Kansas | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Calloway County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Livingston County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Lyon County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Marshall County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 287,000 |
| Baltimore County Maryland | 1 | $ 325,000 | $ 325,000 | $ 84,000 |
| Allegan County Michigan | 1 | $ 405,000 | $ 405,000 | $ 123,000 |
| Charlevoix County Michigan | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Hennepin County Minnesota | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Bates County Missouri | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Cole County Missouri | 1 | $ 325,000 | $ 325,000 | $ 255,000 |
| Crawford County Missouri | 1 | $ 305,000 | $ 305,000 | $ 240,000 |
| Gasconade County Missouri | 1 | $ 145,000 | $ 145,000 | $ 122,000 |
| Jackson County Missouri | 1 | $ 275,000 | $ 275,000 | $ 142,000 |
| Miller County Missouri | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Montgomery County Missouri | 1 | $ 515,000 | $ 515,000 | $ 173,000 |
| Scott County Missouri | 1 | $ 95,000 | $ 95,000 | $ 50,000 |
| Ste. Genevieve County Missouri | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Taney County Missouri | 1 | $ 125,000 | $ 125,000 | $ 220,000 |
| Washington County Missouri | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Gallatin County Montana | 1 | $ 715,000 | $ 715,000 | $ 427,000 |
| Clark County Nevada | 1 | $ 405,000 | $ 405,000 | $ 141,000 |
| Catawba County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Mecklenburg County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 49,000 |
| Richmond County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 152,000 |
| Rowan County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 92,000 |
| Cuyahoga County Ohio | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Harrison County Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Medina County Ohio | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Summit County Ohio | 1 | $ 165,000 | $ 165,000 | $ 164,000 |
| Warren County Ohio | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Wagoner County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 189,000 |
| Deschutes County Oregon | 1 | $ 355,000 | $ 355,000 | $ 396,000 |
| Multnomah County Oregon | 1 | $ 515,000 | $ 515,000 | $ 201,000 |
| Cumberland County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 187,000 |
| Beaufort County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 257,000 |
| Greenville County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Bedford County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Davidson County Tennessee | 1 | $ 1,995,000 | $ 1,995,000 | $ 1,690,000 |
| Sumner County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Wilson County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 206,000 |
| Harris County Texas | 1 | $ 155,000 | $ 155,000 | $ 132,000 |
| Montague County Texas | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| Nueces County Texas | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Travis County Texas | 1 | $ 455,000 | $ 455,000 | $ 246,000 |
| Roanoke City County Virginia | 1 | $ 135,000 | $ 135,000 | $ 144,000 |
| Virginia Beach County Virginia | 1 | $ 305,000 | $ 305,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Peoples National Bank , N.A. in 2020
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 | 1,120 | $238,420,000 | $212,000 | $1,265,000 | $125,000 | $3,212,000 |
| Home Purchase | 993 | $155,475,000 | $156,000 | $1,995,000 | $94,000 | $2,663,000 |
| Cash-out Refinancing | 377 | $74,525,000 | $197,000 | $515,000 | $111,000 | $648,000 |
| Other Purpose | 31 | $3,675,000 | $118,000 | $515,000 | $107,000 | $504,000 |
| Home Improvement | 15 | $2,195,000 | $146,000 | $355,000 | $94,000 | $223,000 |
| Not Applicable | 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 | 2,183 | $402,175,000 | $184,000 | $1,075,000 | $111,000 | $3,212,000 |
| Not Provided | 182 | $36,710,000 | $201,000 | $1,995,000 | $118,000 | $1,690,000 |
| Black or African American | 73 | $11,185,000 | $153,000 | $465,000 | $76,000 | $300,000 |
| Hispanic | 38 | $8,010,000 | $210,000 | $775,000 | $97,000 | $400,000 |
| Not applicable | 33 | $9,165,000 | $277,000 | $1,265,000 | $0 | $0 |
| Asian | 18 | $4,880,000 | $271,000 | $455,000 | $140,000 | $525,000 |
| American Indian or Alaskan Native | 5 | $685,000 | $137,000 | $185,000 | $108,000 | $295,000 |
| 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) | 2,261 | $436,185,000 | $192,000 | $1,995,000 | $116,000 | $3,212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 152 | $13,120,000 | $86,000 | $225,000 | $43,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 68 | $10,590,000 | $155,000 | $355,000 | $74,000 | $569,000 |
| VA-guaranteed (Veterans Administration) | 55 | $14,395,000 | $261,000 | $855,000 | $82,000 | $160,000 |
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 | 1,993 | $380,715,000 | $191,000 | $1,995,000 | $112,000 | $3,212,000 |
| Application Withdrawn By Applicant | 278 | $48,800,000 | $175,000 | $965,000 | $103,000 | $686,000 |
| Application Denied By Financial Institution | 193 | $29,705,000 | $153,000 | $885,000 | $95,000 | $1,690,000 |
| Application Approved But Not Accepted | 62 | $12,800,000 | $206,000 | $1,075,000 | $116,000 | $947,000 |
| File Closed For Incompleteness | 10 | $2,270,000 | $227,000 | $405,000 | $136,000 | $276,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,343 | $444,585,000 | $189,000 | $1,995,000 | $111,000 | $3,212,000 |
| Credit History | 77 | $10,415,000 | $135,000 | $495,000 | $105,000 | $1,690,000 |
| Debt-To-Income Ratio | 52 | $9,670,000 | $185,000 | $885,000 | $82,000 | $460,000 |
| Collateral | 37 | $5,385,000 | $145,000 | $515,000 | $95,000 | $242,000 |
| Other | 17 | $1,925,000 | $113,000 | $225,000 | $77,000 | $143,000 |
| Unverifiable Information | 9 | $2,145,000 | $238,000 | $415,000 | $136,000 | $569,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $74,000 | $74,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples National Bank , N.A.'s 2020 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 National Bank , N.A.'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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