Peoples National Bank , N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Peoples National Bank , N.A. 2021 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 | 1,670 |
| Total Mortgage Loan Application Amount | $305,440,000 |
| Average Mortgage Loan Application Amount | $160,200 |
| Highest Mortgage Loan Application Amount | $3,305,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $1,526,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 255 | $ 79,815,000 | $ 313,000 | $ 142,000 |
| Williamson County Illinois | 177 | $ 25,435,000 | $ 143,000 | $ 82,000 |
| Jefferson County Illinois | 153 | $ 18,495,000 | $ 120,000 | $ 71,000 |
| Hamilton County Illinois | 117 | $ 13,995,000 | $ 119,000 | $ 77,000 |
| Saline County Illinois | 114 | $ 12,360,000 | $ 108,000 | $ 78,000 |
| Marion County Illinois | 109 | $ 13,505,000 | $ 123,000 | $ 93,000 |
| Franklin County Illinois | 85 | $ 9,945,000 | $ 117,000 | $ 74,000 |
| St. Charles County Missouri | 73 | $ 17,535,000 | $ 240,000 | $ 149,000 |
| Madison County Illinois | 60 | $ 10,330,000 | $ 172,000 | $ 79,000 |
| Wayne County Illinois | 60 | $ 6,590,000 | $ 109,000 | $ 66,000 |
| White County Illinois | 54 | $ 4,920,000 | $ 91,000 | $ 67,000 |
| St. Louis City County Missouri | 48 | $ 13,860,000 | $ 288,000 | $ 134,000 |
| St. Clair County Illinois | 44 | $ 8,270,000 | $ 187,000 | $ 94,000 |
| Jefferson County Missouri | 35 | $ 7,985,000 | $ 228,000 | $ 86,000 |
| Jackson County Illinois | 32 | $ 4,220,000 | $ 131,000 | $ 73,000 |
| Johnson County Illinois | 14 | $ 2,800,000 | $ 200,000 | $ 101,000 |
| Clinton County Illinois | 12 | $ 1,320,000 | $ 110,000 | $ 80,000 |
| Perry County Illinois | 10 | $ 1,170,000 | $ 117,000 | $ 66,000 |
| Washington County Illinois | 10 | $ 810,000 | $ 81,000 | $ 69,000 |
| Franklin County Missouri | 9 | $ 2,635,000 | $ 292,000 | $ 126,000 |
| Gallatin County Illinois | 8 | $ 660,000 | $ 82,000 | $ 77,000 |
| Clay County Illinois | 6 | $ 750,000 | $ 125,000 | $ 52,000 |
| Pope County Illinois | 6 | $ 1,250,000 | $ 208,000 | $ 108,000 |
| Randolph County Illinois | 6 | $ 640,000 | $ 106,000 | $ 85,000 |
| Davidson County Tennessee | 6 | $ 2,210,000 | $ 368,000 | $ 1,235,000 |
| Maricopa County Arizona | 5 | $ 1,265,000 | $ 253,000 | $ 103,000 |
| Edwards County Illinois | 5 | $ 825,000 | $ 165,000 | $ 66,000 |
| Jersey County Illinois | 5 | $ 725,000 | $ 145,000 | $ 72,000 |
| Macoupin County Illinois | 5 | $ 495,000 | $ 99,000 | $ 67,000 |
| Monroe County Illinois | 5 | $ 1,025,000 | $ 205,000 | $ 122,000 |
| Lee County Florida | 4 | $ 1,010,000 | $ 252,000 | $ 133,000 |
| Fayette County Illinois | 4 | $ 500,000 | $ 125,000 | $ 61,000 |
| Union County Illinois | 4 | $ 700,000 | $ 175,000 | $ 148,000 |
| Wabash County Illinois | 4 | $ 430,000 | $ 107,000 | $ 53,000 |
| Gallatin County Montana | 4 | $ 3,090,000 | $ 772,000 | $ 420,000 |
| Cobb County Georgia | 3 | $ 575,000 | $ 191,000 | $ 70,000 |
| Bond County Illinois | 3 | $ 215,000 | $ 71,000 | $ 24,000 |
| Massac County Illinois | 3 | $ 335,000 | $ 111,000 | $ 40,000 |
| Pulaski County Illinois | 3 | $ 335,000 | $ 111,000 | $ 58,000 |
| Sangamon County Illinois | 3 | $ 435,000 | $ 145,000 | $ 100,000 |
| Lyon County Kentucky | 3 | $ 845,000 | $ 281,000 | $ 667,000 |
| McCracken County Kentucky | 3 | $ 675,000 | $ 225,000 | $ 86,000 |
| Camden County Missouri | 3 | $ 695,000 | $ 231,000 | $ 263,000 |
| Jackson County Missouri | 3 | $ 685,000 | $ 228,000 | $ 76,000 |
| Lincoln County Missouri | 3 | $ 695,000 | $ 231,000 | $ 99,000 |
| St. Francois County Missouri | 3 | $ 2,745,000 | $ 915,000 | $ 17,000 |
| DeKalb County Tennessee | 3 | $ 455,000 | $ 151,000 | $ 36,000 |
| Sumner County Tennessee | 3 | $ 915,000 | $ 305,000 | $ 71,000 |
| Jefferson County Colorado | 2 | $ 710,000 | $ 355,000 | $ 93,000 |
| Bay County Florida | 2 | $ 300,000 | $ 150,000 | $ 186,000 |
| Pinellas County Florida | 2 | $ 1,270,000 | $ 635,000 | $ 317,000 |
| Walton County Florida | 2 | $ 1,060,000 | $ 530,000 | $ 282,000 |
| Hardin County Illinois | 2 | $ 220,000 | $ 110,000 | $ 74,000 |
| Johnson County Kansas | 2 | $ 450,000 | $ 225,000 | $ 147,000 |
| Calloway County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 89,000 |
| Norfolk County Massachusetts | 2 | $ 1,020,000 | $ 510,000 | $ 108,000 |
| Cole County Missouri | 2 | $ 410,000 | $ 205,000 | $ 112,000 |
| Warren County Missouri | 2 | $ 320,000 | $ 160,000 | $ 85,000 |
| Hamilton County Ohio | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| King County Washington | 2 | $ 1,370,000 | $ 685,000 | $ 152,000 |
| Marshall County Alabama | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Mobile County Alabama | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Shelby County Alabama | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Benton County Arkansas | 1 | $ 475,000 | $ 475,000 | $ 141,000 |
| Alameda County California | 1 | $ 705,000 | $ 705,000 | $ 95,000 |
| Contra Costa County California | 1 | $ 505,000 | $ 505,000 | $ 84,000 |
| Monterey County California | 1 | $ 1,395,000 | $ 1,395,000 | $ 395,000 |
| El Paso County Colorado | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Charlotte County Florida | 1 | $ 175,000 | $ 175,000 | $ 187,000 |
| Duval County Florida | 1 | $ 165,000 | $ 165,000 | $ 152,000 |
| Orange County Florida | 1 | $ 235,000 | $ 235,000 | $ 115,000 |
| Palm Beach County Florida | 1 | $ 755,000 | $ 755,000 | $ 201,000 |
| Santa Rosa County Florida | 1 | $ 595,000 | $ 595,000 | $ 510,000 |
| Cherokee County Georgia | 1 | $ 505,000 | $ 505,000 | $ 128,000 |
| Dawson County Georgia | 1 | $ 235,000 | $ 235,000 | $ 276,000 |
| Fulton County Georgia | 1 | $ 455,000 | $ 455,000 | $ 276,000 |
| Champaign County Illinois | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Cook County Illinois | 1 | $ 275,000 | $ 275,000 | $ 130,000 |
| Effingham County Illinois | 1 | $ 235,000 | $ 235,000 | $ 113,000 |
| Greene County Illinois | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Jasper County Illinois | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Lawrence County Illinois | 1 | $ 125,000 | $ 125,000 | $ 68,000 |
| Montgomery County Illinois | 1 | $ 185,000 | $ 185,000 | $ 166,000 |
| Morgan County Illinois | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Moultrie County Illinois | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| Piatt County Illinois | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Shelby County Illinois | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Gibson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| Warrick County Indiana | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Iowa County Iowa | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| Marshall County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 332,000 |
| Stearns County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Andrew County Missouri | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Cape Girardeau County Missouri | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Greene County Missouri | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Marion County Missouri | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Morgan County Missouri | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Scott County Missouri | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Stone County Missouri | 1 | $ 225,000 | $ 225,000 | $ 175,000 |
| Monmouth County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 165,000 |
| Lincoln County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 79,000 |
| Scotland County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Wake County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Greene County Ohio | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Mercer County Ohio | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Miami County Ohio | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Preble County Ohio | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Stark County Ohio | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Union County Ohio | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Tulsa County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Clackamas County Oregon | 1 | $ 545,000 | $ 545,000 | $ 344,000 |
| Lane County Oregon | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Erie County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Haywood County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Robertson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 61,000 |
| Williamson County Tennessee | 1 | $ 665,000 | $ 665,000 | $ 137,000 |
| Fairfax County Virginia | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Brown County Wisconsin | 1 | $ 545,000 | $ 545,000 | $ 174,000 |
| Door County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 246,000 |
Mortgage Loan Application Detail Totals for Peoples National Bank , N.A. in 2021
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 | 993 | $168,025,000 | $169,000 | $3,305,000 | $88,000 | $1,526,000 |
| Refinancing | 400 | $87,120,000 | $217,000 | $1,095,000 | $130,000 | $1,235,000 |
| Cash-out Refinancing | 232 | $45,400,000 | $195,000 | $1,395,000 | $113,000 | $1,235,000 |
| Other Purpose | 31 | $3,285,000 | $105,000 | $405,000 | $87,000 | $409,000 |
| Home Improvement | 14 | $1,610,000 | $115,000 | $305,000 | $142,000 | $421,000 |
| 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 | 1,405 | $239,235,000 | $170,000 | $1,395,000 | $101,000 | $1,526,000 |
| Not Provided | 122 | $24,890,000 | $204,000 | $1,015,000 | $124,000 | $866,000 |
| Black or African American | 60 | $9,050,000 | $150,000 | $665,000 | $69,000 | $426,000 |
| Not applicable | 39 | $22,115,000 | $567,000 | $3,305,000 | $0 | $0 |
| Asian | 25 | $6,855,000 | $274,000 | $845,000 | $103,000 | $323,000 |
| Hispanic | 8 | $1,620,000 | $202,000 | $375,000 | $129,000 | $428,000 |
| American Indian or Alaskan Native | 6 | $830,000 | $138,000 | $205,000 | $87,000 | $200,000 |
| 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) | 1,428 | $273,370,000 | $191,000 | $3,305,000 | $110,000 | $1,526,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 137 | $11,965,000 | $87,000 | $195,000 | $44,000 | $88,000 |
| FHA-insured (Federal Housing Administration) | 61 | $8,855,000 | $145,000 | $365,000 | $58,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 44 | $11,250,000 | $255,000 | $1,395,000 | $98,000 | $395,000 |
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 | 1,303 | $246,475,000 | $189,000 | $3,305,000 | $106,000 | $1,526,000 |
| Application Withdrawn By Applicant | 214 | $37,010,000 | $172,000 | $1,095,000 | $92,000 | $660,000 |
| Application Denied By Financial Institution | 107 | $12,995,000 | $121,000 | $545,000 | $79,000 | $448,000 |
| Application Approved But Not Accepted | 33 | $5,705,000 | $172,000 | $805,000 | $94,000 | $442,000 |
| File Closed For Incompleteness | 13 | $3,255,000 | $250,000 | $755,000 | $122,000 | $270,000 |
| 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 | 1,563 | $292,445,000 | $187,000 | $3,305,000 | $104,000 | $1,526,000 |
| Credit History | 52 | $4,560,000 | $87,000 | $275,000 | $79,000 | $448,000 |
| Debt-To-Income Ratio | 25 | $3,625,000 | $145,000 | $545,000 | $58,000 | $131,000 |
| Collateral | 16 | $2,200,000 | $137,000 | $485,000 | $79,000 | $269,000 |
| Other | 9 | $1,425,000 | $158,000 | $215,000 | $92,000 | $190,000 |
| Unverifiable Information | 2 | $810,000 | $405,000 | $455,000 | $333,000 | $353,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $85,000 | $85,000 | $85,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 1 | $165,000 | $165,000 | $165,000 | $51,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples National Bank , N.A.'s 2021 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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with aggregated HMDA statistics today.