Peoples Bank of Alabama
Peoples Bank of Alabama received 167 applications in 2025 and made 88 mortgages, in 22 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 134 decisions, 30 were denials — 22.4%.
| Legal Entity Identifier | 5493002XCPKQYCZ56W55 |
|---|---|
| Applications received | 167 |
| Mortgages made | 88 |
| Denied | 30 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Peoples Bank of Alabama, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 42 | Not published | $240,000 | 20.3% |
| Refinancing | 35 | Not published | $105,000 | 18.2% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 80.0% |
| Other purposes | 11 | Not published | $75,000 | 25.0% |
Where Peoples Bank of Alabama lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cullman County, AL | 24 | Not published | 31.6% |
| Marshall County, AL | 15 | Not published | 28.6% |
| Morgan County, AL | 11 | Not published | 6.3% |
| Blount County, AL | 7 | Under 10 loans | 9.1% |
| Jefferson County, AL | 6 | Under 10 loans | 20.0% |
| Madison County, AL | 6 | Under 10 loans | 12.5% |
| Cherokee County, AL | 4 | Under 10 loans | 14.3% |
| Etowah County, AL | 4 | Under 10 loans | 42.9% |
| Limestone County, AL | 2 | Under 10 loans | 0.0% |
| Madison County, TN | 2 | Under 10 loans | 0.0% |
| Jackson County, AL | 1 | Under 10 loans | 0.0% |
| Lawrence County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Walker County, AL | 1 | Under 10 loans | 66.7% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Davidson County, TN | 1 | Under 10 loans | 0.0% |
| Chambers County, AL | 0 | Under 10 loans | Not published |
| Chilton County, AL | 0 | Under 10 loans | Not published |
| Lauderdale County, AL | 0 | Under 10 loans | 100.0% |
| Randolph County, AL | 0 | Under 10 loans | Not published |
| Shelby County, AL | 0 | 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.