Peoples Trust & Savings Bank Mortgage Lending & HMDA Data, 2012
In 2012, Peoples Trust & Savings Bank of Grand Junction, IA reported 229 mortgage applications totaling $31.0 million, up 114% from 2011. The average application was for $135,349, and applicants reported an average income of $63,004. 70% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Des Moines-West Des Moines, IA (120), 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 | 229 |
| Total Mortgage Loan Application Amount | $30,995,000 |
| Average Mortgage Loan Application Amount | $135,349 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $63,004 |
| Highest Applicant Income | $457,000 |
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records Peoples Trust & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Polk, Iowa | 64 | $ 14,881,000 | $ 232,515 | $ 82,000 |
| Greene, Iowa | 53 | $ 3,185,000 | $ 60,094 | $ 44,000 |
| Boone, Iowa | 32 | $ 2,571,000 | $ 80,343 | $ 44,000 |
| Guthrie, Iowa | 27 | $ 3,037,000 | $ 112,481 | $ 69,000 |
| Dallas, Iowa | 25 | $ 3,681,000 | $ 147,240 | $ 72,000 |
| Carroll, Iowa | 4 | $ 228,000 | $ 57,000 | $ 42,000 |
| Jasper, Iowa | 2 | $ 225,000 | $ 112,500 | $ 56,000 |
| Madison, Iowa | 2 | $ 125,000 | $ 62,500 | $ 63,000 |
| Story, Iowa | 2 | $ 311,000 | $ 155,500 | $ 65,000 |
| Union, Iowa | 2 | $ 617,000 | $ 308,500 | $ 0 |
| Warren, Iowa | 2 | $ 181,000 | $ 90,500 | $ 49,000 |
| Riverside, California | 1 | $ 146,000 | $ 146,000 | $ 139,000 |
| Appanoose, Iowa | 1 | $ 200,000 | $ 200,000 | $ 96,000 |
| Cerro Gordo, Iowa | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Johnson, Iowa | 1 | $ 158,000 | $ 158,000 | $ 74,000 |
| Marion, Iowa | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Marshall, Iowa | 1 | $ 402,000 | $ 402,000 | $ 177,000 |
| Montgomery, Iowa | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Pottawattamie, Iowa | 1 | $ 53,000 | $ 53,000 | $ 117,000 |
| Shelby, Iowa | 1 | $ 27,000 | $ 27,000 | $ 115,000 |
| Webster, Iowa | 1 | $ 20,000 | $ 20,000 | $ 42,000 |
| Woodbury, Iowa | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Putnam, Missouri | 1 | $ 70,000 | $ 70,000 | $ 76,000 |
| Lancaster, Nebraska | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Dane, Wisconsin | 1 | $ 379,000 | $ 379,000 | $ 0 |
Mortgage Loan Application Detail Totals for Peoples Trust & Savings Bank in 2012
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 | 119 | $18,370,000 | $154,000 | $2,500,000 | $61,000 | $457,000 |
| Home Purchase | 97 | $11,853,000 | $122,000 | $2,000,000 | $66,000 | $330,000 |
| Home Improvement | 13 | $772,000 | $59,000 | $480,000 | $59,000 | $148,000 |
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 | 163 | $16,283,000 | $99,000 | $640,000 | $72,000 | $457,000 |
| Not applicable | 33 | $9,942,000 | $301,000 | $2,500,000 | $0 | $0 |
| Not Provided | 28 | $4,370,000 | $156,000 | $402,000 | $81,000 | $186,000 |
| Asian | 4 | $360,000 | $90,000 | $148,000 | $88,000 | $152,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $26,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 219 | $29,631,000 | $135,000 | $2,500,000 | $63,000 | $457,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,087,000 | $120,000 | $161,000 | $53,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $277,000 | $277,000 | $277,000 | $113,000 | $113,000 |
| 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 | 160 | $21,814,000 | $136,000 | $2,500,000 | $59,000 | $457,000 |
| Application Withdrawn By Applicant | 41 | $6,699,000 | $163,000 | $402,000 | $90,000 | $212,000 |
| Application Denied By Financial Institution | 27 | $2,412,000 | $89,000 | $209,000 | $42,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $70,000 | $70,000 | $70,000 | $38,000 | $38,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 |
| 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 2012 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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with aggregated HMDA statistics today.
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