Peoples Bank
Peoples Bank received 566 applications in 2025 and made 374 mortgages, in 316 counties across 46 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 464 decisions, 85 were denials — 18.3%.
| Legal Entity Identifier | 54930032OCUOR526IR93 |
|---|---|
| Applications received | 566 |
| Mortgages made | 374 |
| Denied | 85 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Peoples Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 187 | Not published | $215,000 | 9.1% |
| Refinancing | 37 | Not published | $105,000 | 14.0% |
| Cash-out refinancing | 136 | Not published | $225,000 | 29.2% |
| Other purposes | 14 | Not published | $55,000 | 20.0% |
Where Peoples Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Simpson County, MS | 45 | Not published | 9.3% |
| Covington County, MS | 29 | Not published | 6.5% |
| Rankin County, MS | 12 | Not published | 7.7% |
| Maricopa County, AZ | 7 | Under 10 loans | 0.0% |
| Smith County, MS | 7 | Under 10 loans | 0.0% |
| Forrest County, MS | 4 | Under 10 loans | 0.0% |
| Jackson County, MO | 4 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 4 | Under 10 loans | 33.3% |
| Pima County, AZ | 3 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 3 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 3 | Under 10 loans | 0.0% |
| Cobb County, GA | 3 | Under 10 loans | 25.0% |
| Johnson County, KS | 3 | Under 10 loans | 0.0% |
| Shawnee County, KS | 3 | Under 10 loans | 0.0% |
| Hinds County, MS | 3 | Under 10 loans | 25.0% |
| Jackson County, MS | 3 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 3 | Under 10 loans | 25.0% |
| Shelby County, TN | 3 | Under 10 loans | 0.0% |
| Mobile County, AL | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 33.3% |
| New Castle County, DE | 2 | Under 10 loans | 0.0% |
| Marion County, FL | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Douglas County, GA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 50.0% |
| Richmond County, GA | 2 | Under 10 loans | 0.0% |
| Marion County, IN | 2 | Under 10 loans | 0.0% |
| Wyandotte County, KS | 2 | Under 10 loans | 33.3% |
| Boone County, KY | 2 | Under 10 loans | 0.0% |
| Baltimore city, MD | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Bolivar County, MS | 2 | Under 10 loans | 33.3% |
| Clarke County, MS | 2 | Under 10 loans | 0.0% |
| Jones County, MS | 2 | Under 10 loans | 33.3% |
| Lamar County, MS | 2 | Under 10 loans | 0.0% |
| Clay County, MO | 2 | Under 10 loans | 33.3% |
| St. Charles County, MO | 2 | Under 10 loans | 33.3% |
| Cumberland County, NC | 2 | Under 10 loans | 0.0% |
| Montgomery County, OH | 2 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 2 | Under 10 loans | 0.0% |
| Erie County, PA | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Gibson County, TN | 2 | Under 10 loans | 33.3% |
| Collin County, TX | 2 | Under 10 loans | 33.3% |
| Tarrant County, TX | 2 | Under 10 loans | 0.0% |
| Kanawha County, WV | 2 | Under 10 loans | 0.0% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Clarke County, AL | 1 | Under 10 loans | 0.0% |
| Franklin County, AL | 1 | Under 10 loans | 0.0% |
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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.