Peoples Trust & Savings Bank Mortgage Lending & HMDA Data, 2007
In 2007, Peoples Trust & Savings Bank of Grand Junction, IA reported 241 mortgage applications totaling $15.4 million, up 17% from 2006. The average application was for $64,074, and applicants reported an average income of $70,543. 94% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Des Moines-West Des Moines, IA (94), Ames, IA (2) and Iowa City, IA (1) (applications in parentheses).
| Mortgage Company & Address | Peoples Trust & Savings Bank 205 E Main St Grand Junction, IA 50107 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 241 |
| Total Mortgage Loan Application Amount | $15,442,000 |
| Average Mortgage Loan Application Amount | $64,074 |
| Highest Mortgage Loan Application Amount | $740,000 |
| Average Applicant Income | $70,543 |
| Highest Applicant Income | $673,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Peoples Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene, Iowa | 104 | $ 4,600,000 | $ 44,230 | $ 45,000 |
| Dallas, Iowa | 47 | $ 5,128,000 | $ 109,106 | $ 61,000 |
| Guthrie, Iowa | 25 | $ 1,193,000 | $ 47,720 | $ 44,000 |
| Polk, Iowa | 20 | $ 1,355,000 | $ 67,750 | $ 210,000 |
| Boone, Iowa | 12 | $ 889,000 | $ 74,083 | $ 58,000 |
| Poweshiek, Iowa | 11 | $ 1,084,000 | $ 98,545 | $ 197,000 |
| Carroll, Iowa | 7 | $ 269,000 | $ 38,428 | $ 34,000 |
| Audubon, Iowa | 3 | $ 122,000 | $ 40,666 | $ 71,000 |
| Mercer, Missouri | 3 | $ 75,000 | $ 25,000 | $ 15,000 |
| Adair, Iowa | 2 | $ 95,000 | $ 47,500 | $ 41,000 |
| Story, Iowa | 2 | $ 226,000 | $ 113,000 | $ 70,000 |
| Warren, Iowa | 2 | $ 192,000 | $ 96,000 | $ 165,000 |
| Johnson, Iowa | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Muscatine, Iowa | 1 | $ 4,000 | $ 4,000 | $ 100,000 |
| Hidalgo, Texas | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Peoples Trust & Savings Bank in 2007
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 | 114 | $9,402,000 | $82,000 | $740,000 | $66,000 | $271,000 |
| Home Purchase | 75 | $4,416,000 | $58,000 | $223,000 | $91,000 | $673,000 |
| Home Improvement | 52 | $1,624,000 | $31,000 | $127,000 | $51,000 | $155,000 |
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 | 216 | $12,584,000 | $58,000 | $517,000 | $76,000 | $673,000 |
| Not applicable | 16 | $2,456,000 | $153,000 | $740,000 | $0 | $0 |
| Hispanic | 6 | $305,000 | $50,000 | $90,000 | $42,000 | $59,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $23,000 | $23,000 | $23,000 | $67,000 | $67,000 |
| Asian | 1 | $73,000 | $73,000 | $73,000 | $67,000 | $67,000 |
| Not Provided | 1 | $1,000 | $1,000 | $1,000 | $6,000 | $6,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 241 | $15,442,000 | $64,000 | $740,000 | $70,000 | $673,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 226 | $14,721,000 | $65,000 | $740,000 | $71,000 | $673,000 |
| Application Denied By Financial Institution | 11 | $412,000 | $37,000 | $130,000 | $55,000 | $170,000 |
| Application Withdrawn By Applicant | 4 | $309,000 | $77,000 | $150,000 | $41,000 | $47,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 5 | $266,000 | $53,000 | $130,000 | $37,000 | $70,000 |
| Collateral | 2 | $71,000 | $35,000 | $67,000 | $135,000 | $170,000 |
| Other | 1 | $23,000 | $23,000 | $23,000 | $13,000 | $13,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Trust & Savings Bank's 2007 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 Trust & Savings Bank'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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