Peoples Bank Mortgage Rates, Fees & Info
Mendenhall, MSLEI: 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: Jackson, Atlanta, Hattiesburg, New York, and Chicago among others. We have data for 160 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. Peoples Bank is typically a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.60% | 4/21/24 |
| 30 Year Conventional Refi | 6.59% | 4/21/24 |
| 30 Year Cash-out Refi | 6.59% | 4/21/24 |
| 30 Year FHA Purchase | 7.41% | 4/21/24 |
| 30 Year FHA Refi | 7.48% | 4/21/24 |
| 30 Year VA Purchase | 6.38% | 4/21/24 |
| 30 Year USDA Purchase | 7.10% | 4/21/24 |
| 15 Year Conventional Purchase | 7.67% | 4/21/24 |
| 15 Year Conventional Refi | 9.72% | 4/21/24 |
| 15 Year Cash-out Refi | 9.72% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
424Origination Dollar Volume (All Markets)
$102,550,000Top 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 |
|---|---|---|---|---|---|
| JACKSON, MS (FHA|USDA|VA) | 68 | $9,240,000 | $135,882 | $3,861 | 6.65% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $6,135,000 | $292,143 | $13,092 | 4.98% |
| Outside of Metro Areas | 33 | $3,755,000 | $113,788 | $6,422 | 6.87% |
| HATTIESBURG, MS (FHA|USDA|VA) | 26 | $3,390,000 | $130,385 | $3,487 | 7.27% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $2,680,000 | $446,667 | $23,566 | 5.52% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 9 | $2,645,000 | $293,889 | $12,986 | 4.96% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 9 | $2,645,000 | $293,889 | $14,643 | 4.76% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,475,000 | $495,000 | $27,528 | 4.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $2,360,000 | $393,333 | $16,844 | 4.85% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $2,325,000 | $2,325,000 | $0 | 5.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $21,902 | 4.19% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $2,060,000 | $343,333 | $15,291 | 4.33% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $2,000,000 | $500,000 | $17,823 | 4.59% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $17,202 | 4.30% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $17,515 | 5.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $10,440 | 4.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $13,278 | 4.97% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $8,732 | 5.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $14,264 | 4.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $9,518 | 5.66% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $15,022 | 5.71% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $10,401 | 5.32% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $11,863 | 5.38% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $17,027 | 5.46% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $11,617 | 4.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $15,447 | 5.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $17,289 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $10,133 | 4.62% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $20,449 | 4.94% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $19,823 | 4.63% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $12,546 | 4.58% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $12,381 | 4.81% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $14,195 | 6.17% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $9,205 | 4.79% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $14,950 | 4.99% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $9,631 | 5.62% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $11,808 | 5.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $12,766 | 4.99% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $14,030 | 4.31% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,799 | 4.43% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $9,843 | 5.71% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,472 | 4.25% |
| YAKIMA, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $15,108 | 4.31% |
| Oxford, MS (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,334 | 5.08% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $13,556 | 4.63% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $12,484 | 4.00% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $12,213 | 5.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $11,613 | 5.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $15,266 | 3.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 5.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $11,423 | 4.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $14,149 | 5.31% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,880 | 6.69% |
| Hilo, HI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $26,730 | 6.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $8,658 | 5.43% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $11,064 | 5.06% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $20,157 | 5.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $18,718 | 4.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,867 | 4.63% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $11,393 | 5.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $8,734 | 4.92% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $22,281 | 6.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $17,562 | 5.25% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,694 | 5.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $19,573 | 5.62% |
| SALEM, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,803 | 5.63% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,889 | 3.25% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $21,777 | 4.99% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $17,104 | 6.75% |
| RENO, NV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $18,342 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,594 | 5.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $8,321 | 4.13% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $20,704 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $17,199 | 6.75% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,498 | 4.75% |
| Vicksburg, MS (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 7.64% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,157 | 4.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,911 | 3.99% |
| TULSA, OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,098 | 4.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,885 | 5.63% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $14,294 | 3.75% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,157 | 5.13% |
| Columbus, MS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,369 | 4.38% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $16,907 | 5.00% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $15,956 | 6.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,564 | 4.00% |
| FLINT, MI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $15,483 | 5.62% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,308 | 6.63% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,941 | 4.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $17,500 | 6.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,577 | 4.88% |
| Lexington, NE (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,641 | 5.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $19,779 | 4.63% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,814 | 5.63% |
| Jesup, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,961 | 5.13% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,126 | 3.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $15,814 | 6.88% |
| Keene, NH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,443 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,790 | 6.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $17,412 | 4.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,069 | 5.50% |
| Outside of Metro Areas | 1 | $245,000 | $245,000 | $13,970 | 3.87% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,952 | 3.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,264 | 5.49% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,925 | 5.75% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,612 | 3.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,603 | 5.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $13,135 | 5.62% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $12,254 | 6.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $14,001 | 5.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $15,666 | 4.50% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,195 | 3.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,434 | 5.49% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,764 | 7.63% |
| DuBois, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $18,370 | 4.50% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,262 | 5.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,571 | 5.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,079 | 4.50% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,922 | 3.75% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,400 | 3.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,355 | 5.63% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,819 | 3.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,234 | 4.99% |
| Dodge City, KS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,077 | 5.63% |
| Grenada, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,348 | 4.63% |
| Bay City, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,103 | 4.88% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,017 | 5.12% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,655 | 6.13% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,600 | 5.13% |
| DALTON, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,693 | 4.00% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,645 | 3.88% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,648 | 6.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,312 | 4.00% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $11,829 | 4.75% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,512 | 4.50% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,579 | 4.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,170 | 4.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,108 | 4.00% |
| READING, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,960 | 5.63% |
| Meridian, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,823 | 3.88% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,656 | 4.38% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,472 | 5.99% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,119 | 4.88% |
| Helena, MT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $10,232 | 6.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,965 | 5.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,458 | 4.62% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,785 | 3.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,371 | 6.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $11,779 | 6.00% |
| Laurel, MS (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 8.49% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,371 | 3.75% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,781 | 5.62% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,978 | 4.63% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,520 | 6.75% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,957 | 5.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,789 | 5.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,550 | 4.99% |
| Price, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,252 | 4.63% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,844 | 6.99% |
| Indianola, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $5,304 | 5.63% |
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Similarity Rank: 2249
Product Mix
For 2022, Peoples Bank's most frequently originated type of loan was FHA, with 244 originations. Their 2nd most popular type was Conventional, with 141 originations.
Loan Reason
For 2022, Peoples Bank's most frequently cited loan purpose was Home Purchase, with 219 originations. The 2nd most popular reason was Cash Out Refi, with 149 originations.
Loan Duration/Length
For 2022, Peoples Bank's most frequently cited loan duration was 30 Year, with 310 originations. The 2nd most popular length was 15 Year, with 55 originations.
Origination Fees/Closing Costs
Peoples Bank's average total fees were $12,749, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 180 originations.
Interest Rates
During 2022, Peoples Bank's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 5-6%, with 127 originations.
Loan Sizing
2022 saw Peoples Bank place emphasis on $200k-400k loans with 168 originations, totaling $47,820,000 in origination value.
Applicant Income
Peoples Bank lent most frequently to those with incomes in the $100k-150k range, with 104 originations. The second most popular income band? $75k-100k, with 88 originations.
Applicant Debt to Income Ratio
Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 106 originations. The next most common DTI ratio? 30-36%, with 75 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.76%
Peoples Bank has a below average approval rate.
Pick Rate
Approvals leading to origination68.87%
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 |
|---|---|---|---|
| NA | 424 | $102,550,000 | $241,863 |