Peoples Bank and Trust Company
Peoples Bank and Trust Company received 1,315 applications in 2025 and made 1,159 mortgages, in 60 counties across 13 states. The median rate its borrowers got was 7.000% on a median loan of $135,000. Of 1,219 decisions, 60 were denials — 4.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930091IM32ECQG7562 |
|---|---|
| Applications received | 1,315 |
| Mortgages made | 1,159 |
| Denied | 60 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 96 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.283 points |
| FDIC-insured bank | Yes: Peoples Bank and Trust Company, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 687 | 6.875% | $185,000 | 1.6% |
| Refinancing | 278 | 7.500% | $115,000 | 4.1% |
| Cash-out refinancing | 31 | 6.750% | $135,000 | 26.2% |
| Other purposes | 163 | 7.925% | $35,000 | 13.8% |
Where Peoples Bank and Trust Company 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 |
|---|---|---|---|
| Sedgwick County, KS | 419 | 6.875% | 3.0% |
| McPherson County, KS | 190 | 7.000% | 5.9% |
| Reno County, KS | 179 | 7.500% | 5.8% |
| Barton County, KS | 80 | 7.250% | 12.1% |
| Harvey County, KS | 77 | 7.000% | 6.1% |
| Rice County, KS | 49 | 7.500% | 5.8% |
| Butler County, KS | 30 | 6.750% | 3.2% |
| Ness County, KS | 20 | 7.125% | 4.8% |
| Saline County, KS | 15 | 7.188% | 0.0% |
| Harper County, KS | 13 | 7.375% | 13.3% |
| Kingman County, KS | 13 | 7.125% | 0.0% |
| Sumner County, KS | 9 | Under 10 loans | 0.0% |
| Marion County, KS | 8 | Under 10 loans | 0.0% |
| Rush County, KS | 8 | Under 10 loans | 0.0% |
| Johnson County, KS | 4 | Under 10 loans | 0.0% |
| Pasco County, FL | 3 | Under 10 loans | 0.0% |
| Barry County, MO | 3 | Under 10 loans | 0.0% |
| Cowley County, KS | 2 | Under 10 loans | 0.0% |
| Ford County, KS | 2 | Under 10 loans | 0.0% |
| Taney County, MO | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Fremont County, CO | 1 | Under 10 loans | 0.0% |
| Lake County, CO | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Barber County, KS | 1 | Under 10 loans | 0.0% |
| Dickinson County, KS | 1 | Under 10 loans | 0.0% |
| Douglas County, KS | 1 | Under 10 loans | 0.0% |
| Ellis County, KS | 1 | Under 10 loans | 0.0% |
| Greeley County, KS | 1 | Under 10 loans | 0.0% |
| Hodgeman County, KS | 1 | Under 10 loans | 0.0% |
| Jackson County, KS | 1 | Under 10 loans | 0.0% |
| Labette County, KS | 1 | Under 10 loans | 0.0% |
| Lane County, KS | 1 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 1 | Under 10 loans | 0.0% |
| Mitchell County, KS | 1 | Under 10 loans | 0.0% |
| Pawnee County, KS | 1 | Under 10 loans | 0.0% |
| Pratt County, KS | 1 | Under 10 loans | 0.0% |
| Riley County, KS | 1 | Under 10 loans | 0.0% |
| Russell County, KS | 1 | Under 10 loans | 0.0% |
| Stafford County, KS | 1 | Under 10 loans | 0.0% |
| Boone County, MO | 1 | Under 10 loans | 0.0% |
| Lawrence County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Texas County, MO | 1 | Under 10 loans | 0.0% |
| Hall County, NE | 1 | Under 10 loans | 0.0% |
| Logan County, OK | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Wagoner County, OK | 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.