Peoples Bank
Peoples Bank received 913 applications in 2025 and made 523 mortgages, in 24 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $255,000. Of 731 decisions, 195 were denials — 26.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001VH4ZJNSI25781 |
|---|---|
| Applications received | 913 |
| Mortgages made | 523 |
| Denied | 195 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 182 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.53 points |
| FDIC-insured bank | Yes: The Peoples Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 209 | 6.875% | $455,000 | 18.5% |
| Refinancing | 100 | 7.625% | $190,000 | 22.0% |
| Cash-out refinancing | 14 | 6.500% | $360,000 | 31.8% |
| Other purposes | 200 | 8.000% | $105,000 | 35.0% |
Where Peoples Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Whatcom County, WA | 203 | 7.500% | 24.9% |
| Skagit County, WA | 111 | 7.500% | 25.8% |
| Island County, WA | 61 | 7.500% | 21.0% |
| Chelan County, WA | 51 | 7.250% | 29.3% |
| Snohomish County, WA | 31 | 7.750% | 25.6% |
| Douglas County, WA | 18 | 7.375% | 35.7% |
| King County, WA | 17 | 7.750% | 29.2% |
| Okanogan County, WA | 9 | Under 10 loans | 30.8% |
| San Juan County, WA | 6 | Under 10 loans | 40.0% |
| Grant County, WA | 3 | Under 10 loans | 57.1% |
| Pierce County, WA | 3 | Under 10 loans | 40.0% |
| Clallam County, WA | 2 | Under 10 loans | 33.3% |
| Kitsap County, WA | 2 | Under 10 loans | 0.0% |
| Clark County, WA | 1 | Under 10 loans | 66.7% |
| Ferry County, WA | 1 | Under 10 loans | 0.0% |
| Franklin County, WA | 1 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 1 | Under 10 loans | 0.0% |
| Skamania County, WA | 1 | Under 10 loans | 0.0% |
| Spokane County, WA | 1 | Under 10 loans | 66.7% |
| Kittitas County, WA | 0 | Under 10 loans | 100.0% |
| Pacific County, WA | 0 | Under 10 loans | Not published |
| Pend Oreille County, WA | 0 | Under 10 loans | Not published |
| Stevens County, WA | 0 | Under 10 loans | Not published |
| Thurston County, WA | 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.