Peoples Trust & Savings Bank Mortgage Lending & HMDA Data, 2009
In 2009, Peoples Trust & Savings Bank of Grand Junction, IA reported 274 mortgage applications totaling $18.9 million, down 14% from 2008. The average application was for $68,930, and applicants reported an average income of $64,368. 92% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Des Moines-West Des Moines, IA (124), Ames, IA (3) and Lincoln, NE (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 | 274 |
| Total Mortgage Loan Application Amount | $18,887,000 |
| Average Mortgage Loan Application Amount | $68,930 |
| Highest Mortgage Loan Application Amount | $1,167,000 |
| Average Applicant Income | $64,368 |
| Highest Applicant Income | $590,000 |
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records Peoples Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 117 | $ 4,894,000 | $ 41,829 | $ 55,000 |
| Polk, Iowa | 48 | $ 5,850,000 | $ 121,875 | $ 110,000 |
| Dallas, Iowa | 37 | $ 3,242,000 | $ 87,621 | $ 62,000 |
| Guthrie, Iowa | 33 | $ 1,814,000 | $ 54,969 | $ 53,000 |
| Boone, Iowa | 14 | $ 975,000 | $ 69,642 | $ 51,000 |
| Warren, Iowa | 4 | $ 539,000 | $ 134,750 | $ 35,000 |
| Story, Iowa | 3 | $ 637,000 | $ 212,333 | $ 80,000 |
| Audubon, Iowa | 2 | $ 150,000 | $ 75,000 | $ 50,000 |
| Calhoun, Iowa | 2 | $ 42,000 | $ 21,000 | $ 11,000 |
| Carroll, Iowa | 2 | $ 69,000 | $ 34,500 | $ 30,000 |
| Madison, Iowa | 2 | $ 213,000 | $ 106,500 | $ 40,000 |
| Appanoose, Iowa | 1 | $ 122,000 | $ 122,000 | $ 97,000 |
| Buena Vista, Iowa | 1 | $ 81,000 | $ 81,000 | $ 89,000 |
| Cerro Gordo, Iowa | 1 | $ 31,000 | $ 31,000 | $ 45,000 |
| Monroe, Iowa | 1 | $ 18,000 | $ 18,000 | $ 52,000 |
| Palo Alto, Iowa | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Poweshiek, Iowa | 1 | $ 9,000 | $ 9,000 | $ 72,000 |
| Sac, Iowa | 1 | $ 35,000 | $ 35,000 | $ 55,000 |
| Mercer, Missouri | 1 | $ 26,000 | $ 26,000 | $ 25,000 |
| Hamilton, Nebraska | 1 | $ 10,000 | $ 10,000 | $ 58,000 |
| Lancaster, Nebraska | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
Mortgage Loan Application Detail Totals for Peoples Trust & Savings Bank in 2009
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 | 131 | $10,159,000 | $77,000 | $1,167,000 | $57,000 | $590,000 |
| Home Purchase | 94 | $6,797,000 | $72,000 | $397,000 | $79,000 | $329,000 |
| Home Improvement | 49 | $1,931,000 | $39,000 | $261,000 | $56,000 | $190,000 |
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 | 254 | $17,737,000 | $69,000 | $1,167,000 | $68,000 | $590,000 |
| Not applicable | 12 | $842,000 | $70,000 | $186,000 | $0 | $0 |
| Hispanic | 6 | $282,000 | $47,000 | $81,000 | $56,000 | $112,000 |
| American Indian or Alaskan Native | 1 | $16,000 | $16,000 | $16,000 | $54,000 | $54,000 |
| Black or African American | 1 | $10,000 | $10,000 | $10,000 | $55,000 | $55,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 274 | $18,887,000 | $68,000 | $1,167,000 | $64,000 | $590,000 |
| 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 | 251 | $16,634,000 | $66,000 | $1,167,000 | $66,000 | $590,000 |
| Application Denied By Financial Institution | 19 | $1,549,000 | $81,000 | $148,000 | $37,000 | $97,000 |
| Application Withdrawn By Applicant | 3 | $676,000 | $225,000 | $315,000 | $144,000 | $265,000 |
| File Closed For Incompleteness | 1 | $28,000 | $28,000 | $28,000 | $17,000 | $17,000 |
| 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 | 6 | $249,000 | $41,000 | $65,000 | $28,000 | $37,000 |
| Debt-To-Income Ratio | 6 | $650,000 | $108,000 | $148,000 | $35,000 | $64,000 |
| Collateral | 1 | $122,000 | $122,000 | $122,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Peoples Trust & Savings Bank's 2009 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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