Peoples Bank
Peoples Bank received 602 applications in 2025 and made 439 mortgages, in 33 counties across 10 states. The median rate its borrowers got was 6.990% on a median loan of $165,000. Of 539 decisions, 98 were denials — 18.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Y7HCU10KIRLG30 |
|---|---|
| Applications received | 602 |
| Mortgages made | 439 |
| Denied | 98 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 63 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2685 points |
| FDIC-insured bank | Yes: The Peoples Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 175 | 6.625% | $255,000 | 3.3% |
| Refinancing | 97 | 6.990% | $125,000 | 14.2% |
| Cash-out refinancing | 17 | 6.625% | $145,000 | 37.0% |
| Other purposes | 150 | 7.490% | $75,000 | 30.4% |
Where Peoples Bank 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 |
|---|---|---|---|
| Lake County, IN | 295 | 6.990% | 16.4% |
| Cook County, IL | 72 | 6.990% | 22.3% |
| Porter County, IN | 23 | 6.875% | 14.8% |
| Will County, IL | 13 | 6.750% | 27.8% |
| DuPage County, IL | 4 | Under 10 loans | 0.0% |
| Jasper County, IN | 4 | Under 10 loans | 33.3% |
| LaPorte County, IN | 4 | Under 10 loans | 20.0% |
| Grundy County, IL | 3 | Under 10 loans | 25.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Lake County, IL | 2 | Under 10 loans | 33.3% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Catoosa County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 0.0% |
| Starke County, IN | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 50.0% |
| Kent County, MI | 1 | Under 10 loans | 0.0% |
| McHenry County, ND | 1 | Under 10 loans | 0.0% |
| Virginia Beach city, VA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
| Charlotte County, FL | 0 | Under 10 loans | Not published |
| Pasco County, FL | 0 | Under 10 loans | 100.0% |
| Elkhart County, IN | 0 | Under 10 loans | Not published |
| Newton County, IN | 0 | Under 10 loans | 100.0% |
| Allegan County, MI | 0 | Under 10 loans | Not published |
| Marion County, MS | 0 | Under 10 loans | 100.0% |
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When Peoples Bank’s figures are published for the next year, or restated.
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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.