New Peoples Bank, Inc.
New Peoples Bank, Inc. received 191 applications in 2025 and made 144 mortgages, in 33 counties across 5 states. The median rate its borrowers got was 7.095% on a median loan of $210,000. Of 153 decisions, 9 were denials — 5.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GIR2ODBIF9VF65 |
|---|---|
| Applications received | 191 |
| Mortgages made | 144 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.28 points |
| FDIC-insured bank | Yes: New Peoples Bank, Inc., 19 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 95 | 7.000% | $255,000 | 3.1% |
| Refinancing | 37 | 7.090% | $175,000 | 9.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 12 | 7.250% | $125,000 | 7.7% |
Where New Peoples Bank, Inc. lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mercer County, WV | 24 | 7.250% | 0.0% |
| Washington County, VA | 18 | 6.990% | 0.0% |
| Russell County, VA | 11 | 7.375% | 15.4% |
| Sullivan County, TN | 10 | 6.990% | 0.0% |
| Watauga County, NC | 9 | Under 10 loans | 10.0% |
| Tazewell County, VA | 9 | Under 10 loans | 0.0% |
| Buchanan County, VA | 7 | Under 10 loans | 12.5% |
| Washington County, TN | 6 | Under 10 loans | 14.3% |
| Wythe County, VA | 6 | Under 10 loans | 0.0% |
| Bristol city, VA | 6 | Under 10 loans | 0.0% |
| Montgomery County, VA | 5 | Under 10 loans | 0.0% |
| Roanoke city, VA | 5 | Under 10 loans | 0.0% |
| Avery County, NC | 4 | Under 10 loans | 0.0% |
| Ashe County, NC | 3 | Under 10 loans | 25.0% |
| Wise County, VA | 3 | Under 10 loans | 25.0% |
| Hawkins County, TN | 2 | Under 10 loans | 0.0% |
| Dickenson County, VA | 2 | Under 10 loans | 0.0% |
| Pulaski County, VA | 2 | Under 10 loans | 0.0% |
| Scott County, VA | 2 | Under 10 loans | 50.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Lincoln County, NC | 1 | Under 10 loans | 0.0% |
| McDowell County, NC | 1 | Under 10 loans | 0.0% |
| Carter County, TN | 1 | Under 10 loans | 0.0% |
| Floyd County, VA | 1 | Under 10 loans | 0.0% |
| Roanoke County, VA | 1 | Under 10 loans | 0.0% |
| Smyth County, VA | 1 | Under 10 loans | 0.0% |
| Norton city, VA | 1 | Under 10 loans | 0.0% |
| Monongalia County, WV | 1 | Under 10 loans | 0.0% |
| Greene County, TN | 0 | Under 10 loans | Not published |
| Bland County, VA | 0 | Under 10 loans | Not published |
| McDowell County, WV | 0 | Under 10 loans | Not published |
| Monroe County, WV | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.