Peoples Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
44th11.2% deniedProcesswithdrawn + incomplete share, weight 15%
91st1.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 177 | 137 | 8.5% | 8.6% | — | $29M |
| 2024 | 190 | 152 | 7.9% | 7.9% | — | $29M |
| 2025 | 191 | 142 | 11.0% | 11.2% | — | $32M |
What Peoples Bank & Trust 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, 25 manufactured homes, 46 investment properties.
Who gets approved at Peoples Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 18 | 24.1% |
| $50k – $100k | 42 | 27 | 16.7% |
| $100k – $150k | 30 | 26 | 0.0% |
| $150k – $250k | 33 | 28 | 6.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 42 | 35 | 2.4% |
| 45–54 | 26 | 20 | 7.7% |
| 55–64 | 42 | 34 | 9.5% |
Where Peoples Bank & Trust lends
1 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 191 | 142 | 11.0% | — | #189 |
Frequently asked questions
Peoples Bank & Trust denied 11.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of small mortgage lenders.
In 2025, 47% of its applications were for home purchases, 29% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.