Peoples National Bank , N.A.
Peoples National Bank , N.A. received 520 applications in 2025 and made 378 mortgages, in 42 counties across 6 states. The median rate its borrowers got was 6.625% on a median loan of $135,000. Of 451 decisions, 62 were denials — 13.8%, most often for credit history.
| Legal Entity Identifier | 549300U8L31JJT1ZDP60 |
|---|---|
| Applications received | 520 |
| Mortgages made | 378 |
| Denied | 62 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1375 points |
| FDIC-insured bank | Yes: Peoples National Bank , N.A., 24 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 300 | 6.625% | $125,000 | 9.7% |
| Refinancing | 38 | 6.500% | $190,000 | 24.0% |
| Cash-out refinancing | 19 | 6.625% | $105,000 | 37.5% |
| Other purposes | 21 | 7.000% | $115,000 | 18.5% |
Where Peoples National Bank , N.A. lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, IL | 63 | 6.625% | 11.0% |
| Franklin County, IL | 38 | 6.563% | 4.9% |
| Saline County, IL | 36 | 6.500% | 19.6% |
| Marion County, IL | 35 | 6.750% | 10.0% |
| St. Louis County, MO | 33 | 6.625% | 12.8% |
| Hamilton County, IL | 31 | 6.625% | 13.9% |
| Williamson County, IL | 30 | 6.938% | 13.5% |
| Wayne County, IL | 23 | 6.500% | 25.8% |
| White County, IL | 20 | 6.500% | 12.5% |
| St. Charles County, MO | 10 | 6.750% | 8.3% |
| Jackson County, IL | 9 | Under 10 loans | 0.0% |
| Johnson County, IL | 4 | Under 10 loans | 33.3% |
| Madison County, IL | 4 | Under 10 loans | 0.0% |
| Perry County, IL | 4 | Under 10 loans | 0.0% |
| Jefferson County, MO | 4 | Under 10 loans | 20.0% |
| Edwards County, IL | 3 | Under 10 loans | 0.0% |
| Gallatin County, IL | 3 | Under 10 loans | 25.0% |
| St. Louis city, MO | 3 | Under 10 loans | 50.0% |
| Clinton County, IL | 2 | Under 10 loans | 33.3% |
| Montgomery County, IL | 2 | Under 10 loans | 0.0% |
| Pope County, IL | 2 | Under 10 loans | 0.0% |
| Union County, IL | 2 | Under 10 loans | 0.0% |
| Washington County, IL | 2 | Under 10 loans | 50.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Brown County, IL | 1 | Under 10 loans | 0.0% |
| Crawford County, IL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Edgar County, IL | 1 | Under 10 loans | 0.0% |
| Fayette County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 50.0% |
| Wabash County, IL | 1 | Under 10 loans | 0.0% |
| Cherokee County, KS | 1 | Under 10 loans | 0.0% |
| Henderson County, KY | 1 | Under 10 loans | 0.0% |
| Lyon County, KY | 1 | Under 10 loans | 0.0% |
| Christian County, MO | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 0.0% |
| Lincoln County, MO | 1 | Under 10 loans | 0.0% |
| Wichita County, TX | 1 | Under 10 loans | 0.0% |
| Clay County, IL | 0 | Under 10 loans | Not published |
| Hardin County, IL | 0 | Under 10 loans | Not published |
| Monroe County, IL | 0 | Under 10 loans | 100.0% |
| Randolph County, IL | 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.