Peoples Bank
Peoples Bank received 947 applications in 2025 and made 567 mortgages, in 47 counties across 2 states. The median rate its borrowers got was 6.990% on a median loan of $195,000. Of 873 decisions, 265 were denials — 30.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006HXEF6V2NZED40 |
|---|---|
| Applications received | 947 |
| Mortgages made | 567 |
| Denied | 265 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 74 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.07 points |
| FDIC-insured bank | Yes: The Peoples Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 175 | 6.500% | $345,000 | 11.2% |
| Refinancing | 51 | 7.000% | $205,000 | 18.3% |
| Cash-out refinancing | 12 | 6.490% | $210,000 | 20.0% |
| Other purposes | 329 | 7.250% | $105,000 | 38.9% |
Where Peoples Bank lends most
The 47 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Catawba County, NC | 212 | 7.250% | 29.8% |
| Lincoln County, NC | 91 | 7.250% | 28.8% |
| Mecklenburg County, NC | 66 | 5.995% | 30.0% |
| Iredell County, NC | 51 | 6.375% | 23.9% |
| Alexander County, NC | 18 | 7.375% | 29.6% |
| Rowan County, NC | 18 | 7.250% | 32.1% |
| Burke County, NC | 16 | 6.500% | 11.1% |
| Caldwell County, NC | 15 | 7.250% | 29.2% |
| Gaston County, NC | 14 | 6.913% | 33.3% |
| Cabarrus County, NC | 11 | 6.500% | 36.8% |
| Wake County, NC | 11 | 6.950% | 35.3% |
| Union County, NC | 9 | Under 10 loans | 10.0% |
| Forsyth County, NC | 7 | Under 10 loans | 0.0% |
| Cleveland County, NC | 3 | Under 10 loans | 40.0% |
| Davidson County, NC | 3 | Under 10 loans | 40.0% |
| Brunswick County, NC | 2 | Under 10 loans | 40.0% |
| Durham County, NC | 2 | Under 10 loans | 50.0% |
| Rockingham County, NC | 2 | Under 10 loans | 33.3% |
| Rutherford County, NC | 2 | Under 10 loans | 0.0% |
| Wilkes County, NC | 2 | Under 10 loans | 33.3% |
| Alamance County, NC | 1 | Under 10 loans | 50.0% |
| Avery County, NC | 1 | Under 10 loans | 0.0% |
| Davie County, NC | 1 | Under 10 loans | 0.0% |
| Granville County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 50.0% |
| McDowell County, NC | 1 | Under 10 loans | 50.0% |
| Macon County, NC | 1 | Under 10 loans | 0.0% |
| Pender County, NC | 1 | Under 10 loans | 50.0% |
| Surry County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Lancaster County, SC | 1 | Under 10 loans | 50.0% |
| York County, SC | 1 | Under 10 loans | 66.7% |
| Buncombe County, NC | 0 | Under 10 loans | 100.0% |
| Chatham County, NC | 0 | Under 10 loans | 0.0% |
| Franklin County, NC | 0 | Under 10 loans | 100.0% |
| Harnett County, NC | 0 | Under 10 loans | 100.0% |
| Hoke County, NC | 0 | Under 10 loans | 100.0% |
| Johnston County, NC | 0 | Under 10 loans | 100.0% |
| Moore County, NC | 0 | Under 10 loans | 100.0% |
| Nash County, NC | 0 | Under 10 loans | 100.0% |
| Orange County, NC | 0 | Under 10 loans | 100.0% |
| Stanly County, NC | 0 | Under 10 loans | 100.0% |
| Watauga County, NC | 0 | Under 10 loans | 0.0% |
| Wayne County, NC | 0 | Under 10 loans | 100.0% |
| Yadkin County, NC | 0 | Under 10 loans | 100.0% |
| Berkeley County, SC | 0 | Under 10 loans | 100.0% |
| Cherokee County, SC | 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.