Peoples Independent Bank
Peoples Independent Bank received 79 applications in 2025 and made 61 mortgages, in 8 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $135,000. Of 70 decisions, 9 were denials — 12.9%, most often for credit history.
| Legal Entity Identifier | 549300IXFXFD6OCKNJ26 |
|---|---|
| Applications received | 79 |
| Mortgages made | 61 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Peoples Independent Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | Not published | $205,000 | 17.9% |
| Refinancing | 27 | Not published | $135,000 | 0.0% |
| Other purposes | 11 | Not published | $55,000 | 26.7% |
Where Peoples Independent Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marshall County, AL | 24 | Not published | 4.0% |
| DeKalb County, AL | 14 | Not published | 17.7% |
| Jackson County, AL | 9 | Under 10 loans | 10.0% |
| Etowah County, AL | 8 | Under 10 loans | 27.3% |
| Calhoun County, AL | 3 | Under 10 loans | 0.0% |
| Cherokee County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 50.0% |
| Shelby County, AL | 1 | 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.