PEOPLES BANK & TRUST CO.
PEOPLES BANK & TRUST CO. received 191 applications in 2025 and made 142 mortgages, in 20 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $125,000. Of 188 decisions, 21 were denials — 11.2%.
| Legal Entity Identifier | 254900605M87QWWATV97 |
|---|---|
| Applications received | 191 |
| Mortgages made | 142 |
| Denied | 21 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Peoples Bank & Trust Co., 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 67 | Not published | $205,000 | 10.3% |
| Refinancing | 34 | Not published | $105,000 | 14.3% |
| Cash-out refinancing | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Other purposes | 35 | Not published | $55,000 | 8.9% |
Where PEOPLES BANK & TRUST CO. lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lincoln County, MO | 60 | Not published | 12.9% |
| Pike County, MO | 31 | Not published | 5.9% |
| St. Charles County, MO | 26 | Not published | 6.9% |
| Warren County, MO | 7 | Under 10 loans | 11.1% |
| Audrain County, MO | 3 | Under 10 loans | 40.0% |
| St. Louis County, MO | 3 | Under 10 loans | 0.0% |
| Camden County, MO | 2 | Under 10 loans | 0.0% |
| Montgomery County, MO | 2 | Under 10 loans | 0.0% |
| Clark County, MO | 1 | Under 10 loans | 0.0% |
| Franklin County, MO | 1 | Under 10 loans | 0.0% |
| Marion County, MO | 1 | Under 10 loans | 0.0% |
| Miller County, MO | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 1 | Under 10 loans | 0.0% |
| Randolph County, MO | 1 | Under 10 loans | 0.0% |
| Saline County, MO | 1 | Under 10 loans | 0.0% |
| Scotland County, MO | 1 | Under 10 loans | 0.0% |
| Ralls County, MO | 0 | Under 10 loans | 100.0% |
| Sullivan County, MO | 0 | Under 10 loans | 100.0% |
| Washington County, MO | 0 | Under 10 loans | Not published |
| St. Louis city, MO | 0 | Under 10 loans | 100.0% |
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When PEOPLES BANK & TRUST CO.’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.