Peoples Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd1.5% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 225 | 185 | 1.3% | 1.4% | — | $49M |
| 2024 | 194 | 160 | 2.1% | 2.1% | — | $42M |
| 2025 | 205 | 170 | 1.5% | 1.5% | — | $52M |
What Peoples Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 55 investment properties.
Who gets approved at Peoples Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 52 | 40 | 2.0% |
| $100k – $150k | 37 | 31 | 0.0% |
| $150k – $250k | 40 | 33 | 2.5% |
| Over $250k | 52 | 46 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 45 | 38 | 0.0% |
| 35–44 | 39 | 34 | 0.0% |
| 45–54 | 39 | 37 | 2.6% |
| 55–64 | 36 | 26 | 2.8% |
Where Peoples Bank lends
2 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 167 | 139 | 1.8% | — | #450 |
Frequently asked questions
Peoples Bank denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 22% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 85% conventional, 14% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.