Peoples Bank Mortgage Rates, Fees & Info

Mendenhall, MS

LEI: 54930032OCUOR526IR93

Tax ID: 64-0220470

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Mortgage Data

Review & Overview

Peoples Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. They have a a high proportion of FHA loans. Peoples Bank has an average proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Jackson, Hattiesburg, Los Angeles, and New York among others. We have data for 147 markets. (Some data included below & more in-depth data is available with an active subscription.)

Peoples Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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
30 Year Conventional Purchase 6.60% 3/28/24
30 Year Conventional Refi 6.59% 3/28/24
30 Year Cash-out Refi 6.59% 3/28/24
30 Year FHA Purchase 7.41% 3/28/24
30 Year FHA Refi 7.48% 3/28/24
30 Year VA Purchase 6.38% 3/28/24
30 Year USDA Purchase 7.10% 3/28/24
15 Year Conventional Purchase 7.67% 3/28/24
15 Year Conventional Refi 9.72% 3/28/24
15 Year Cash-out Refi 9.72% 3/28/24
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






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

352

Origination Dollar Volume (All Markets)

$90,850,000

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
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 19 $6,135,000 $322,895 $0 0.00%
JACKSON, MS (FHA|USDA|VA) 40 $5,800,000 $145,000 $0 0.00%
Outside of Metro Areas 27 $3,275,000 $121,296 $0 0.00%
HATTIESBURG, MS (FHA|USDA|VA) 22 $3,180,000 $144,545 $0 0.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,360,000 $590,000 $0 0.00%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 6 $2,280,000 $380,000 $0 0.00%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,195,000 $313,571 $0 0.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $2,125,000 $425,000 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,875,000 $1,875,000 $0 0.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,740,000 $435,000 $0 0.00%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 5 $1,535,000 $307,000 $0 0.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 5 $1,515,000 $303,000 $0 0.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,395,000 $465,000 $0 0.00%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $1,395,000 $279,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $1,335,000 $267,000 $0 0.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,305,000 $186,429 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,245,000 $415,000 $0 0.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,145,000 $381,667 $0 0.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,130,000 $282,500 $0 0.00%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 3 $1,105,000 $368,333 $0 0.00%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $1,035,000 $345,000 $0 0.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $1,025,000 $341,667 $0 0.00%
RICHMOND, VA (FHA|USDA|VA) 3 $995,000 $331,667 $0 0.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $835,000 $278,333 $0 0.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $805,000 $268,333 $0 0.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $790,000 $395,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $770,000 $385,000 $0 0.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $750,000 $375,000 $0 0.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $750,000 $375,000 $0 0.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $745,000 $745,000 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $745,000 $745,000 $0 0.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $720,000 $180,000 $0 0.00%
Paragould, AR (FHA|USDA|VA) 2 $710,000 $355,000 $0 0.00%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $670,000 $335,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $625,000 $208,333 $0 0.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $620,000 $310,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 3 $605,000 $201,667 $0 0.00%
Manitowoc, WI (FHA|USDA|VA) 2 $590,000 $295,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $580,000 $290,000 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $570,000 $285,000 $0 0.00%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $540,000 $270,000 $0 0.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $535,000 $535,000 $0 0.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $535,000 $535,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 2 $530,000 $265,000 $0 0.00%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $530,000 $265,000 $0 0.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $520,000 $260,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $515,000 $515,000 $0 0.00%
Oxford, MS (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $495,000 $495,000 $0 0.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $480,000 $240,000 $0 0.00%
COLUMBIA, SC (FHA|USDA|VA) 2 $480,000 $240,000 $0 0.00%
Cornelia, GA (FHA|USDA|VA) 1 $475,000 $475,000 $0 0.00%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $470,000 $235,000 $0 0.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $465,000 $465,000 $0 0.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $455,000 $455,000 $0 0.00%
WICHITA, KS (FHA|USDA|VA) 2 $440,000 $220,000 $0 0.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $425,000 $425,000 $0 0.00%
COLUMBUS, OH (FHA|USDA|VA) 3 $425,000 $141,667 $0 0.00%
London, KY (FHA|USDA|VA) 1 $415,000 $415,000 $0 0.00%
OCALA, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $400,000 $200,000 $0 0.00%
Jefferson, GA (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
TULSA, OK (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $390,000 $195,000 $0 0.00%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $390,000 $195,000 $0 0.00%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Laurel, MS (FHA|USDA|VA) 2 $380,000 $190,000 $0 0.00%
BEND, OR (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
Juneau, AK (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
GREENVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $0 0.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $370,000 $185,000 $0 0.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
Holland, MI (FHA|USDA|VA) 1 $365,000 $365,000 $0 0.00%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
CHEYENNE, WY (FHA|USDA|VA) 1 $345,000 $345,000 $0 0.00%
Shelton, WA (FHA|USDA|VA) 1 $345,000 $345,000 $0 0.00%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $335,000 $335,000 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 0.00%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
BURLINGTON, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
FARGO, ND-MN (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $310,000 $155,000 $0 0.00%
SPARTANBURG, SC (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
SAVANNAH, GA (FHA|USDA|VA) 1 $295,000 $295,000 $0 0.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $290,000 $145,000 $0 0.00%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $285,000 $285,000 $0 0.00%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
Kirksville, MO (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
Tifton, GA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
LANCASTER, PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $260,000 $130,000 $0 0.00%
West Plains, MO (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
MEDFORD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
DOTHAN, AL (FHA|USDA|VA) 1 $245,000 $245,000 $0 0.00%
Tupelo, MS (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
BAY CITY, MI (FHA|USDA|VA) 1 $235,000 $235,000 $0 0.00%
Lake City, FL (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
Concord, NH (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
Calhoun, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
REDDING, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Borger, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
Thomaston, GA (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
EL PASO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 0.00%
Cleveland, MS (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
YAKIMA, WA (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
Cambridge, MD (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
Batesville, AR (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
LAWRENCE, KS (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
MONROE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
Centralia, WA (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
LAWTON, OK (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
MONTGOMERY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
GOLDSBORO, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
ALTOONA, PA (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
OWENSBORO, KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
JACKSON, TN (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
TUCSON, AZ (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
EspaƱola, NM (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
AKRON, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 0.00%
Brookhaven, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
Peoples Bank's top markets include Atlanta, Jackson, Hattiesburg, Los Angeles, and New York among others.

Their top states include:
  • Mississippi (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 226 $62,960,000 $278,584 $0 0.00%
    Conventional 86 $14,900,000 $173,256 $0 0.00%
    VA 33 $11,795,000 $357,424 $0 0.00%
    USDA 7 $1,195,000 $170,714 $0 0.00%

    For 2023, Peoples Bank's most frequently originated type of loan was FHA, with 226 originations. Their 2nd most popular type was Conventional, with 86 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 201 $56,295,000 $280,075 $0 0.00%
    Cash Out Refi 113 $30,655,000 $271,283 $0 0.00%
    Refi 19 $2,015,000 $106,053 $0 0.00%
    Home Improvement 10 $920,000 $92,000 $0 0.00%
    Other 9 $965,000 $107,222 $0 0.00%

    For 2023, Peoples Bank's most frequently cited loan purpose was Home Purchase, with 201 originations. The 2nd most popular reason was Cash Out Refi, with 113 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 352 $90,850,000 $258,097 $0 0.00%

    For 2023, Peoples Bank's most frequently cited loan duration was Other, with 352 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 149 $42,345,000 $284,195 $0 0.00%
    $100k-200k 84 $13,200,000 $157,143 $0 0.00%
    $100,000 or less 60 $3,270,000 $54,500 $0 0.00%
    $400k-600k 46 $21,570,000 $468,913 $0 0.00%
    $600k-1MM 11 $7,385,000 $671,364 $0 0.00%
    $1MM+ 2 $3,080,000 $1,540,000 $0 0.00%

    2023 saw Peoples Bank place emphasis on $200k-400k loans with 149 originations, totaling $42,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 95 $20,615,000 $217,000 $0 0.00%
    $100k-150k 83 $24,215,000 $291,747 $0 0.00%
    $50k-75k 59 $10,185,000 $172,627 $0 0.00%
    $150k-250k 54 $20,560,000 $380,741 $0 0.00%
    $50k or less 30 $1,990,000 $66,333 $0 0.00%
    $250k+ 19 $11,145,000 $586,579 $0 0.00%

    Peoples Bank lent most frequently to those with incomes in the $75k-100k range, with 95 originations. The second most popular income band? $100k-150k, with 83 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 352 $90,850,000 $258,097 $0 0.00%

    Peoples Bank lent most frequently to those with DTI ratios of Exempt%, with 352 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 237 $63,015,000 $265,886 $0 0.00%
    Black 86 $20,280,000 $235,814 $0 0.00%
    Not provided 11 $2,775,000 $252,273 $0 0.00%
    Not applicable 12 $2,140,000 $178,333 $0 0.00%
    Asian 4 $1,860,000 $465,000 $0 0.00%
    American Indian 1 $425,000 $425,000 $0 0.00%
    Other Asian 1 $355,000 $355,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.71%

    Peoples Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.03%

    Peoples Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 352 $90,850,000 $258,097

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    352 $90,850,000 $258,097