Peoples Bank Mortgage Rates, Fees & Info

Bellingham, WA

LEI: 5493001VH4ZJNSI25781

Tax ID: 91-0362750

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Peoples Bank is a smaller bank specializing in Home Purchase and Refi loans. Peoples Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Bellingham, Mount Vernon, Oak Harbor, Seattle, and Wenatchee among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)

Peoples Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Peoples Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.26%	4/28/24
30 Year Conventional Purchase	6.72%	4/28/24
30 Year Conventional Refi	6.54%	4/28/24
30 Year Cash-out Refi	6.76%	4/28/24
30 Year FHA Purchase	7.40%	4/28/24
30 Year VA Purchase	6.15%	4/28/24
30 Year USDA Purchase	6.27%	4/28/24
15 Year Conventional Purchase	6.29%	4/28/24
15 Year Conventional Refi	6.17%	4/28/24
15 Year Cash-out Refi	6.17%	4/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Peoples Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Peoples Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

1,279

Origination Dollar Volume (All Markets)

$482,055,000

Employee count

427

Awards

Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
BELLINGHAM, WA (FHA\|USDA\|VA)	468	$200,870,000	$429,209	$4,852	4.20%
MOUNT VERNON-ANACORTES, WA (FHA\|USDA\|VA)	339	$105,585,000	$311,460	$4,861	4.16%
Oak Harbor, WA (FHA\|USDA\|VA)	225	$72,485,000	$322,156	$4,928	4.28%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	84	$57,260,000	$681,667	$5,979	4.11%
WENATCHEE, WA (FHA\|USDA\|VA)	115	$34,185,000	$297,261	$5,181	4.17%
Outside of Metro Areas	19	$4,225,000	$222,368	$3,668	4.24%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	5	$1,225,000	$245,000	$2,548	4.30%
Ellensburg, WA (FHA\|USDA\|VA)	4	$1,140,000	$285,000	$2,993	4.59%
Moses Lake, WA (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$3,027	4.18%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	4	$1,020,000	$255,000	$3,785	4.19%
Aberdeen, WA (FHA\|USDA\|VA)	3	$885,000	$295,000	$3,546	4.79%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	2	$590,000	$295,000	$3,422	4.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$485,000	$485,000	$6,165	4.13%
YAKIMA, WA (FHA\|USDA\|VA)	1	$415,000	$415,000	$2,500	4.63%
Centralia, WA (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,157	4.13%
Shelton, WA (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,950	5.88%
LONGVIEW, WA (FHA\|USDA\|VA)	1	$155,000	$155,000	$4,105	3.75%
LEWISTON, ID-WA (FHA\|USDA\|VA)	1	$65,000	$65,000	$2,887	4.88%

Peoples Bank's top markets include Bellingham, Mount Vernon, Oak Harbor, Seattle, and Wenatchee among others.

Their top states include:

Washington (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,179	$449,625,000	$381,361	$4,775	4.23%
VA	63	$21,075,000	$334,524	$5,066	3.74%
FHA	31	$9,585,000	$309,194	$9,444	3.98%
USDA	6	$1,770,000	$295,000	$7,243	4.08%

For 2019, Peoples Bank's most frequently originated type of loan was Conventional, with 1,179 originations. Their 2nd most popular type was VA, with 63 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	758	$290,480,000	$383,219	$5,663	4.25%
Cash Out Refi	247	$74,815,000	$302,895	$4,236	4.21%
Refi	224	$103,960,000	$464,107	$3,351	3.94%
Other	39	$10,645,000	$272,949	$3,844	4.65%
Home Improvement	11	$2,155,000	$195,909	$3,803	4.17%

For 2019, Peoples Bank's most frequently cited loan purpose was Home Purchase, with 758 originations. The 2nd most popular reason was Cash Out Refi, with 247 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	988	$312,390,000	$316,184	$4,504	4.16%
30+ year	95	$42,935,000	$451,947	$10,747	4.61%
15 Year	92	$55,980,000	$608,478	$3,875	3.88%
20 Year	41	$11,275,000	$275,000	$3,413	4.29%
Other	33	$33,055,000	$1,001,667	$4,803	4.32%
10 Year	15	$12,685,000	$845,667	$4,192	4.27%
1 Year	10	$3,430,000	$343,000	$4,546	6.45%
3 Year	4	$10,200,000	$2,550,000	$0	4.52%
5 Year	1	$105,000	$105,000	$0	5.50%

For 2019, Peoples Bank's most frequently cited loan duration was 30 Year, with 988 originations. The 2nd most popular length was 30+ year, with 95 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	467	$146,095,000	$312,837
$1k-2k	339	$90,405,000	$266,681
$2k-3k	164	$50,030,000	$305,061
$5k+	119	$56,935,000	$478,445
$3k-4k	91	$30,175,000	$331,593
$4k-5k	56	$21,320,000	$380,714

Peoples Bank's average total fees were $4,504, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 467 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
3-4%	600	$236,440,000	$394,067
4-5%	548	$208,380,000	$380,255
5-6%	100	$30,650,000	$306,500
6-7%	12	$4,110,000	$342,500
2.5-3%	9	$1,945,000	$216,111
<2.5%	8	$130,000	$16,250
7-8%	2	$400,000	$200,000

During 2019, Peoples Bank's average interest rate for loans was 4.16%, while their most frequently originated rate bucket for loans was 3-4%, with 600 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	753	$224,255,000	$297,815	$4,622	4.22%
$400k-600k	238	$108,760,000	$456,975	$6,285	4.21%
$100k-200k	173	$27,315,000	$157,890	$3,509	4.33%
$600k-1MM	56	$40,270,000	$719,107	$9,410	4.10%
$100,000 or less	39	$2,585,000	$66,282	$2,624	3.40%
$1MM+	20	$78,870,000	$3,943,500	$10,392	4.14%

2019 saw Peoples Bank place emphasis on $200k-400k loans with 753 originations, totaling $224,255,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	319	$110,995,000	$347,947	$5,212	4.14%
$50k-75k	264	$67,230,000	$254,659	$4,470	4.19%
$75k-100k	257	$77,265,000	$300,642	$4,734	4.22%
$150k-250k	186	$74,810,000	$402,204	$5,647	4.26%
$50k or less	104	$19,330,000	$185,865	$3,793	4.15%
$250k+	94	$40,810,000	$434,149	$5,968	4.30%

Peoples Bank lent most frequently to those with incomes in the $100k-150k range, with 319 originations. The second most popular income band? $50k-75k, with 264 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	245	$81,275,000	$331,735	$5,004	4.21%
20-30%	227	$69,115,000	$304,471	$4,429	4.18%
<20%	82	$22,470,000	$274,024	$4,257	4.08%
42%	71	$23,165,000	$326,268	$5,545	4.21%
41%	66	$21,260,000	$322,121	$4,831	4.31%
44%	64	$20,840,000	$325,625	$5,486	4.07%
43%	60	$18,990,000	$316,500	$5,251	4.13%
40%	50	$15,100,000	$302,000	$4,901	4.25%
38%	49	$18,075,000	$368,878	$5,851	4.19%
39%	42	$16,280,000	$387,619	$5,472	4.21%
36%	42	$13,280,000	$316,190	$5,071	4.29%
49%	40	$10,580,000	$264,500	$4,739	4.12%
37%	39	$13,275,000	$340,385	$4,706	4.28%
48%	39	$11,365,000	$291,410	$4,615	4.35%
45%	35	$9,955,000	$284,429	$5,260	4.20%
47%	33	$10,765,000	$326,212	$4,363	4.25%
46%	33	$10,395,000	$315,000	$5,707	4.13%
50-60%	7	$3,125,000	$446,429	$6,307	3.88%
>60%	4	$2,710,000	$677,500	$5,168	4.41%

Peoples Bank lent most frequently to those with DTI ratios of 30-36%, with 245 originations. The next most common DTI ratio? 20-30%, with 227 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,123	$362,685,000	$322,961	$4,926	4.19%
Not applicable	34	$77,240,000	$2,271,765	$0	4.60%
Not provided	65	$23,135,000	$355,923	$4,690	4.24%
Asian	35	$10,095,000	$288,429	$5,244	4.04%
Asian Indian	4	$3,430,000	$857,500	$3,675	4.60%
American Indian	8	$2,700,000	$337,500	$5,189	4.47%
Black	5	$1,285,000	$257,000	$5,518	4.22%
Native Hawaiian or Islander	3	$925,000	$308,333	$3,669	4.12%
	1	$305,000	$305,000	$2,758	4.13%
Other Asian	1	$255,000	$255,000	$3,834	4.63%

Approval Rates

Total approvals of all applications
91.50%

Peoples Bank has an average approval rate.

Pick Rate

Approvals leading to origination
76.00%

Peoples Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,279	$482,055,000	$376,900

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	27	$81,405,000	$3,015,000
Single Family (1-4 Units):Manufactured	54	$12,200,000	$225,926
Single Family (1-4 Units):Site-Built	1,198	$388,450,000	$324,249

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	110	$25,390,000	$230,818	$3,622	4.14%
40-60%	207	$79,255,000	$382,874	$4,066	4.16%
60-80%	550	$234,780,000	$426,873	$5,021	4.29%
80-100%	382	$129,780,000	$339,738	$5,611	4.19%
Over 100%	13	$11,085,000	$852,692	$7,559	4.02%
Under 20%	16	$1,660,000	$103,750	$1,694	2.11%

Complaints

Bank Name	Product	Issue	2019 CPFB Complaints	% of Total Issues
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Conventional home mortgage	Struggling to pay mortgage	3	21.4%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Conventional home mortgage	Trouble during payment process	4	28.6%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	1	7.1%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Home equity loan or line of credit (HELOC)	Closing on a mortgage	1	7.1%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	2	14.3%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Home equity loan or line of credit (HELOC)	Trouble during payment process	1	7.1%
PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION	Other type of mortgage	Trouble during payment process	2	14.3%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Peoples Bank	107 S. Main Street Coupeville, WA 98239	Full Service B&M	$40,370
Peoples Bank	111 Main Street Plaza, Suite 102 Edmonds, WA 98020	Full Service B&M	$29,569
Peoples Bank	1218 Commercial Street Anacortes, WA 98221	Full Service B&M	$46,606
Peoples Bank	1333 Cornwall Avenue Bellingham, WA 98225	Full Service B&M	$157,316
Peoples Bank	1401-12th Street Bellingham, WA 98225	Full Service Retail	$55,532
Peoples Bank	15506 Main Street, Suite 105 Mill Creek, WA 98012	Full Service B&M	$55,789
Peoples Bank	1700 Front Street Lynden, WA 98264	Full Service B&M	$26,690
Peoples Bank	1801 Riverside Drive Mount Vernon, WA 98273	Full Service B&M	$133,328
Peoples Bank	1895 Main Street Ferndale, WA 98248	Full Service B&M	$66,759
Peoples Bank	200 East Main Street Everson, WA 98247	Full Service B&M	$81,099
Peoples Bank	2601 E Division St Mount Vernon, WA 98274	Full Service Retail	$20,849
Peoples Bank	2702 Colby Avenue Everett, WA 98201	Full Service B&M	$33,686
Peoples Bank	275 Southeast Pioneer Way, Suite 1 Oak Harbor, WA 98277	Full Service B&M	$29,874
Peoples Bank	2801 Bickford Ave North, Suite 101 Snohomish, WA 98290	Full Service Retail	$39,424
Peoples Bank	3100 Woburn Street Bellingham, WA 98226	Full Service B&M	$139,110
Peoples Bank	3300 W. Mcgraw Street, Suite 102 Seattle, WA 98199	Full Service B&M	$31,718
Peoples Bank	418 Grover Street Lynden, WA 98264	Full Service B&M	$244,432
Peoples Bank	4183 Meridian Street Bellingham, WA 98226	Full Service B&M	$113,876
Peoples Bank	5600 24th Avenue Nw Seattle, WA 98107	Full Service B&M	$78,053
Peoples Bank	6920 Evergreen Way Everett, WA 98203	Full Service B&M	$9,090
Peoples Bank	8070 Guide Meridian, #101 Lynden, WA 98264	Full Service Retail	$16,758
Peoples Bank	822 S. Burlington Blvd. Burlington, WA 98233	Full Service B&M	$51,524
Peoples Bank	901 North Mission Street Wenatchee, WA 98801	Full Service B&M	$99,521

For 2019, Peoples Bank had 23 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$81,717
Net interest income	$71,565
Total noninterest income	$20,489
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$2,305
Trading account gains and fees	$0
Additional Noninterest Income	$18,184
Pre-tax net operating income	$29,599
Securities gains (or losses, -)	$0
Income before extraordinary items	$23,389
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$23,389
Minority interest net income	$0
Net income	$23,389
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$23,389

Peoples Bank's gross interest income from loans was $81,717,000.
Peoples Bank's net interest income from loans was $71,565,000.
Peoples Bank's fee based income from loans was $2,305,000.
Peoples Bank's net income from loans was $23,389,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$10,152
Provision for credit losses	$1,200
Total noninterest expense	$61,255
Salaries and employee benefits	$39,280
Premises and equipment expense	$7,944
Additional noninterest expense	$14,031
Applicable income taxes	$6,210
Net charge-offs	$31
Cash dividends	$2,547

Peoples Bank's interest expense for loans was $10,152,000.
Peoples Bank's payroll and benefits expense were $39,280,000.
Peoples Bank's property, plant and equipment expenses $7,944,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,751,723
Deposits held in domestic offices	$1,751,723
Deposits by Individuals, partnerships, and corporations	$1,730,716
Deposits by U.S. Government	$5
Deposits by States and political subdivisions in the U.S.	$21,002
Deposits by Commercial banks and other depository institutions in U.S.	$0
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$180,941
Demand deposits	$132,212
Nontransaction accounts	$1,570,782
Money market deposit accounts (MMDAs)	$1,009,577
Other savings deposits (excluding MMDAs)	$210,852
Total time deposits	$350,353
Total time and savings deposits	$1,619,511
Noninterest-bearing deposits	$515,010
Interest-bearing deposits	$1,236,713
Retail deposits	$1,630,277
IRAs and Keogh plan accounts	$35,049
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,979,599
Cash & Balances due from depository institutions	$286,125
Interest-bearing balances	$260,084
Total securities	$104,149
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,533,859
Loan and leases loss allowance	$19,162
Trading account assets	$0
Bank premises and fixed assets	$38,777
Other real estate owned	$0
Goodwill and other intangibles	$3,686
All other assets	$13,003

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,979,599
Total Liabilities	$1,756,024
Total deposits	$1,751,723
Interest-bearing deposits	$1,236,713
Deposits held in domestic offices	$1,751,723
% insured (estimated)	$69
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$4,301

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,533,859
Loan and leases loss allowance	$19,162
Total loans and leases (domestic)	$1,553,021
All real estate loans	$1,215,021
Real estate loans in domestic offices	$1,215,021
Construction and development loans	$127,033
Residential 1-4 family construction	$53,684
Other construction, all land development and other land	$73,349
Loans secured by nonfarm nonresidential properties	$594,353
Nonfarm nonresidential secured by owner-occupied properties	$233,114
Commercial real estate & other non-farm, non-residential	$361,239
Multifamily residential real estate	$174,459
1-4 family residential loans	$260,118
Farmland loans	$59,058
Loans held in foreign offices	$0
Farm loans	$103,707
Commercial and industrial loans	$90,730
To non-U.S. addressees	$0
Loans to individuals	$142,760
Credit card loans	$177
Related Plans	$947
Consumer Auto Loans	$245
Other loans to individuals	$141,391
All other loans & leases	$802
Loans to foreign governments and official institutions	$0
Other loans	$802
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$5,737
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$4,022
Non 1-4 family restructured loans & leases	$2,022
Total loans and leases (foreign)	$0

Peoples Bank had $1,533,859,000 of loans outstanding in 2019. $1,215,021,000 of loans were in real estate loans. $127,033,000 of loans were in development loans. $174,459,000 of loans were in multifamily mortgage loans. $260,118,000 of loans were in 1-4 family mortgage loans. $103,707,000 of loans were in farm loans. $177,000 of loans were in credit card loans. $245,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	474	$149,733	$315,892
Nonfarm, nonresidential loans - <$100k	39	$1,976	$50,667
Nonfarm, nonresidential loans - $100-250k	143	$18,266	$127,734
Nonfarm, nonresidential loans - $250k-1MM	292	$129,491	$443,462
Commercial & Industrial, US addressed loans - <$1MM	852	$59,908	$70,315
Commercial & Industrial, US addressed loans - <$100k	515	$10,394	$20,183
Commercial & Industrial, US addressed loans - $100-250k	178	$15,490	$87,022
Commercial & Industrial, US addressed loans - $250k-1MM	159	$34,024	$213,987
Farmland loans - <$1MM	61	$11,062	$181,344
Farmland loans - <$100k	6	$245	$40,833
Farmland loans - $100-250k	30	$4,244	$141,467
Farmland loans - $250k-1MM	25	$6,573	$262,920
Agriculture operations loans - <$1MM	133	$18,812	$141,444
Agriculture operations loans - <$100k	38	$1,310	$34,474
Agriculture operations loans - $100-250k	47	$4,750	$101,064
Agriculture operations loans - $250k-1MM	48	$12,752	$265,667