Peoples Bank of Kentucky at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
45th10.9% deniedProcesswithdrawn + incomplete share, weight 15%
48th12.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 253 | 196 | 7.9% | 9.1% | — | $25M |
| 2024 | 220 | 165 | 15.5% | 17.0% | — | $24M |
| 2025 | 240 | 184 | 9.6% | 10.9% | — | $31M |
What Peoples Bank of Kentucky 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, 76 manufactured homes, 44 investment properties.
Who gets approved at Peoples Bank of Kentucky
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 67 | 41 | 25.5% |
| $50k – $100k | 74 | 61 | 3.2% |
| $100k – $150k | 47 | 39 | 8.9% |
| $150k – $250k | 32 | 28 | 3.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 19 | 9.1% |
| 25–34 | 57 | 44 | 10.2% |
| 35–44 | 53 | 37 | 14.9% |
| 45–54 | 30 | 21 | 16.0% |
| 55–64 | 38 | 33 | 5.7% |
| 65–74 | 23 | 19 | 0.0% |
Where Peoples Bank of Kentucky lends
4 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Peoples Bank of Kentucky denied 10.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 28% for refinancing (including cash-out), and 15% 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.