Peoples Bank Mortgage Rates, Fees & Info

Munster, IN

LEI: 549300Y7HCU10KIRLG30

Tax ID: 35-0576197

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

Review & Overview

Peoples Bank is a smaller bank specializing in Refi and Home Purchase loans. Peoples Bank has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Michigan City, Kankakee, South Bend, and Seneca among others. We have data for 33 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
30 Year Conventional Purchase	6.64%	12/16/24
30 Year Conventional Refi	6.55%	12/16/24
30 Year Cash-out Refi	6.76%	12/16/24
30 Year FHA Purchase	7.09%	12/16/24
15 Year Conventional Purchase	6.34%	12/16/24
15 Year Conventional Refi	6.34%	12/16/24
15 Year Cash-out Refi	6.34%	12/16/24
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

1,358

Origination Dollar Volume (All Markets)

$343,880,000

Employee count

263

Awards

Peoples Bank 30 Year Conventional Loans silver

Peoples Bank 30 Year Conventional Loans bronze

Show all (2) 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
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	1,286	$325,670,000	$253,243	$2,470	3.13%
MICHIGAN CITY-LA PORTE, IN (FHA\|USDA\|VA)	10	$2,950,000	$295,000	$2,217	3.26%
Outside of Metro Areas	12	$2,390,000	$199,167	$2,363	3.01%
KANKAKEE, IL (FHA\|USDA\|VA)	6	$1,320,000	$220,000	$2,400	3.17%
SOUTH BEND-MISHAWAKA, IN-MI (FHA\|USDA\|VA)	2	$1,300,000	$650,000	$4,258	3.75%
Seneca, SC (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$3,461	3.25%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	3	$695,000	$231,667	$3,812	2.71%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	4	$610,000	$152,500	$2,164	2.84%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	2	$580,000	$290,000	$3,259	2.94%
Plymouth, IN (FHA\|USDA\|VA)	2	$580,000	$290,000	$2,328	2.56%
Sturgis, MI (FHA\|USDA\|VA)	2	$580,000	$290,000	$2,857	3.06%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	3	$575,000	$191,667	$3,100	2.92%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$505,000	$505,000	$2,314	2.88%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$460,000	$230,000	$3,658	3.13%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	2	$420,000	$210,000	$3,815	3.25%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$380,000	$190,000	$2,586	3.06%
NILES, MI (FHA\|USDA\|VA)	2	$360,000	$180,000	$2,163	2.63%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	1	$315,000	$315,000	$5,460	3.50%
Warsaw, IN (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,642	2.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,718	3.38%
TUCSON, AZ (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,137	2.25%
Greensburg, IN (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,820	3.75%
Crossville, TN (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,574	2.88%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$1,838	2.88%
Ottawa, IL (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,967	3.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,447	3.13%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,941	3.25%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	1	$205,000	$205,000	$2,314	3.88%
ANN ARBOR, MI (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,835	2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,736	3.50%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,198	2.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	1	$155,000	$155,000	$2,185	2.88%
Kendallville, IN (FHA\|USDA\|VA)	1	$55,000	$55,000	$1,777	2.88%

Peoples Bank's top markets include Chicago, Michigan City, Kankakee, South Bend, and Seneca among others.

Their top states include:

Indiana (FHA|USDA|VA)

Illinois (FHA|USDA|VA)

Michigan (FHA|USDA|VA)

Florida (FHA|USDA|VA)

South Carolina (FHA|USDA|VA)

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,358	$343,880,000	$253,225	$2,484	3.13%

For 2020, Peoples Bank's most frequently originated type of loan was Conventional, with 1,358 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	645	$162,145,000	$251,388	$2,213	2.96%
Home Purchase	414	$110,540,000	$267,005	$3,004	3.25%
Cash Out Refi	281	$68,055,000	$242,189	$2,351	3.26%
Other	10	$2,050,000	$205,000	$2,390	3.48%
Home Improvement	8	$1,090,000	$136,250	$2,174	4.63%

For 2020, Peoples Bank's most frequently cited loan purpose was Refi, with 645 originations. The 2nd most popular reason was Home Purchase, with 414 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	783	$205,145,000	$261,999	$2,635	3.26%
15 Year	369	$77,105,000	$208,957	$2,282	2.70%
20 Year	111	$23,765,000	$214,099	$2,211	3.04%
10 Year	68	$22,890,000	$336,618	$1,915	3.87%
Other	16	$11,930,000	$745,625	$2,226	2.91%
30+ year	4	$1,580,000	$395,000	$3,880	3.09%
5 Year	4	$310,000	$77,500	$111	5.68%
1 Year	2	$480,000	$240,000	$0	5.25%
3 Year	1	$675,000	$675,000	$4,068	3.75%

For 2020, Peoples Bank's most frequently cited loan duration was 30 Year, with 783 originations. The 2nd most popular length was 15 Year, with 369 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	1,140	$269,010,000	$235,974
$1k-2k	120	$30,660,000	$255,500
$2k-3k	26	$8,280,000	$318,462
$3k-4k	11	$3,415,000	$310,455
$4k-5k	4	$1,410,000	$352,500
$5k+	2	$920,000	$460,000

Peoples Bank's average total fees were $2,635, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,140 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	541	$131,525,000	$243,115
3-4%	541	$145,705,000	$269,325
<2.5%	189	$46,295,000	$244,947
4-5%	59	$17,635,000	$298,898
5-6%	24	$2,620,000	$109,167
6-7%	4	$100,000	$25,000

During 2020, Peoples Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 2.5-3%, with 541 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	503	$76,205,000	$151,501	$2,352	3.08%
$200k-400k	487	$132,955,000	$273,008	$2,546	3.08%
$100,000 or less	167	$11,825,000	$70,808	$2,220	3.37%
$400k-600k	147	$68,785,000	$467,925	$2,937	3.06%
$600k-1MM	40	$29,100,000	$727,500	$2,689	3.44%
$1MM+	14	$25,010,000	$1,786,429	$3,122	3.47%

2020 saw Peoples Bank place emphasis on $100k-200k loans with 503 originations, totaling $76,205,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	305	$77,145,000	$252,934	$2,560	3.07%
$50k-75k	279	$43,895,000	$157,330	$2,391	3.09%
$150k-250k	230	$75,560,000	$328,522	$2,601	3.03%
$75k-100k	222	$46,290,000	$208,514	$2,507	3.15%
$50k or less	155	$18,205,000	$117,452	$2,316	3.14%
$250k+	104	$50,720,000	$487,692	$2,584	3.10%

Peoples Bank lent most frequently to those with incomes in the $100k-150k range, with 305 originations. The second most popular income band? $50k-75k, with 279 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	402	$95,930,000	$238,632	$2,428	3.03%
30-36%	244	$59,590,000	$244,221	$2,427	3.15%
<20%	238	$59,630,000	$250,546	$2,351	2.93%
36%	46	$10,360,000	$225,217	$2,386	3.14%
38%	40	$10,130,000	$253,250	$2,562	3.21%
39%	39	$8,845,000	$226,795	$2,807	3.07%
41%	37	$9,165,000	$247,703	$2,762	3.37%
37%	37	$8,365,000	$226,081	$2,542	2.98%
40%	37	$8,845,000	$239,054	$2,348	3.20%
42%	33	$8,255,000	$250,152	$2,792	3.35%
45%	33	$7,235,000	$219,242	$2,793	2.93%
44%	32	$7,810,000	$244,063	$2,758	3.21%
43%	32	$8,020,000	$250,625	$2,757	3.31%
46%	15	$2,995,000	$199,667	$2,423	2.98%
49%	14	$2,720,000	$194,286	$3,167	2.99%
47%	12	$3,150,000	$262,500	$2,605	3.03%
48%	7	$1,425,000	$203,571	$2,928	3.05%
50-60%	4	$1,170,000	$292,500	$2,065	2.78%
>60%	1	$55,000	$55,000	$1,859	3.00%

Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 402 originations. The next most common DTI ratio? 30-36%, with 244 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,184	$285,580,000	$241,199	$2,476	3.08%
Not applicable	37	$25,025,000	$676,351	$0	4.45%
Asian	41	$13,025,000	$317,683	$2,602	2.95%
Not provided	41	$9,095,000	$221,829	$2,640	3.16%
Black	46	$9,000,000	$195,652	$2,425	3.40%
American Indian	5	$945,000	$189,000	$2,122	2.93%
Asian Indian	3	$615,000	$205,000	$2,669	2.54%
Other Asian	1	$595,000	$595,000	$4,923	3.00%

Approval Rates

Total approvals of all applications
91.33%

Peoples Bank has an average approval rate.

Pick Rate

Approvals leading to origination
82.70%

Peoples Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	1,358	$343,880,000	$253,225

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	29	$26,325,000	$907,759
Single Family (1-4 Units):Manufactured	3	$325,000	$108,333
Single Family (1-4 Units):Site-Built	1,326	$317,230,000	$239,238

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	76	$11,140,000	$146,579	$2,140	2.82%
40-60%	243	$56,015,000	$230,514	$2,156	2.94%
60-80%	667	$183,845,000	$275,630	$2,464	3.19%
80-100%	361	$90,945,000	$251,925	$2,823	3.19%
Over 100%	2	$1,480,000	$740,000	$0	4.75%
Under 20%	9	$455,000	$50,556	$1,559	3.51%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
Peoples Home Equity, Inc.	VA mortgage	Applying for a mortgage or refinancing an existing mortgage	1	50.0%
Peoples Home Equity, Inc.	VA mortgage	Trouble during payment process	1	50.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Peoples Bank	10688 Randolph Crown Point, IN 46307	Full Service B&M	$12,614
Peoples Bank	11275 West 143rd Street Orland Park, IL 60467	Full Service B&M	$17,999
Peoples Bank	12261 Archer Ave. Lemont, IL 60439	Full Service B&M	$31,448
Peoples Bank	130 Rimbach Street Hammond, IN 46320	Full Service B&M	$24,035
Peoples Bank	1300 Sheffield Avenue Dyer, IN 46311	Full Service B&M	$50,882
Peoples Bank	141 W. Lincoln Highway Schererville, IN 46375	Full Service B&M	$127,165
Peoples Bank	14701 South Ravinia Avenue Orland Park, IL 60462	Full Service B&M	$51,503
Peoples Bank	14757 S Cicero Ave Midlothian, IL 60445	Full Service B&M	$75,831
Peoples Bank	1501 Lake Park Avenue Hobart, IN 46342	Full Service B&M	$34,750
Peoples Bank	1801 W. 25th Avenue Gary, IN 46404	Full Service B&M	$9,545
Peoples Bank	1904 Indianapolis Blvd Whiting, IN 46394	Full Service B&M	$44,062
Peoples Bank	2905 Calumet Avenue Valparaiso, IN 46383	Full Service B&M	$48,538
Peoples Bank	3927 Ridge Road Highland, IN 46322	Full Service B&M	$32,421
Peoples Bank	4901 Indianapolis Boulevard East Chicago, IN 46312	Full Service B&M	$74,224
Peoples Bank	6162 South Archer Avenue Chicago, IL 60638	Full Service B&M	$61,136
Peoples Bank	7120 Indianapolis Boulevard Hammond, IN 46324	Full Service B&M	$41,657
Peoples Bank	7915 Taft Street Merrillville, IN 46410	Full Service B&M	$41,164
Peoples Bank	8000 West 159th Street Orland Park, IL 60462	Full Service B&M	$78,985
Peoples Bank	855 Stillwater Parkway Crown Point, IN 46307	Full Service B&M	$54,144
Peoples Bank	8600 Broadway Avenue Merrillville, IN 46410	Full Service B&M	$87,719
Peoples Bank	9204 Columbia Avenue Munster, IN 46321	Full Service B&M	$211,044
Peoples Bank	9903 Wicker Avenue Saint John, IN 46373	Full Service B&M	$67,834

For 2020, Peoples Bank had 22 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$51,578
Net interest income	$45,837
Total noninterest income	$15,867
Gross Fiduciary activities income	$2,138
Service charges on deposit accounts	$1,291
Trading account gains and fees	$0
Additional Noninterest Income	$12,438
Pre-tax net operating income	$16,625
Securities gains (or losses, -)	$2,348
Income before extraordinary items	$16,009
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$16,009
Minority interest net income	$0
Net income	$16,009
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$14,036

Peoples Bank's gross interest income from loans was $51,578,000.
Peoples Bank's net interest income from loans was $45,837,000.
Peoples Bank's fee based income from loans was $1,291,000.
Peoples Bank's net income from loans was $16,009,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$5,741
Provision for credit losses	$3,687
Total noninterest expense	$41,392
Salaries and employee benefits	$22,065
Premises and equipment expense	$5,047
Additional noninterest expense	$14,280
Applicable income taxes	$2,964
Net charge-offs	$227
Cash dividends	$3,395

Peoples Bank's interest expense for loans was $5,741,000.
Peoples Bank's payroll and benefits expense were $22,065,000.
Peoples Bank's property, plant and equipment expenses $5,047,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	1.0%
Real Estate loans	1.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	2.0%
HELOC loans	0.0%
All other family	2.0%
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	$1,303,144
Deposits held in domestic offices	$1,303,144
Deposits by Individuals, partnerships, and corporations	$1,124,862
Deposits by U.S. Government	$86
Deposits by States and political subdivisions in the U.S.	$178,196
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	$101,608
Demand deposits	$46,624
Nontransaction accounts	$1,201,536
Money market deposit accounts (MMDAs)	$246,916
Other savings deposits (excluding MMDAs)	$669,543
Total time deposits	$285,077
Total time and savings deposits	$1,256,520
Noninterest-bearing deposits	$242,425
Interest-bearing deposits	$1,060,719
Retail deposits	$1,256,464
IRAs and Keogh plan accounts	$44,119
Brokered deposits	$0
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,495,264
Cash & Balances due from depository institutions	$72,434
Interest-bearing balances	$58,849
Total securities	$357,728
Federal funds sold & reverse repurchase	$0
Net loans and leases	$965,449
Loan and leases loss allowance	$12,458
Trading account assets	$0
Bank premises and fixed assets	$30,713
Other real estate owned	$538
Goodwill and other intangibles	$15,872
All other assets	$52,530

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,495,264
Total Liabilities	$1,344,241
Total deposits	$1,303,144
Interest-bearing deposits	$1,060,719
Deposits held in domestic offices	$1,303,144
% insured (estimated)	$72
Federal funds purchased and repurchase agreements	$13,860
Trading liabilities	$0
Other borrowed funds	$6,000
Subordinated debt	$0
All other liabilities	$21,237

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$965,449
Loan and leases loss allowance	$12,458
Total loans and leases (domestic)	$977,907
All real estate loans	$778,871
Real estate loans in domestic offices	$778,871
Construction and development loans	$93,562
Residential 1-4 family construction	$54,320
Other construction, all land development and other land	$39,242
Loans secured by nonfarm nonresidential properties	$298,257
Nonfarm nonresidential secured by owner-occupied properties	$122,183
Commercial real estate & other non-farm, non-residential	$176,074
Multifamily residential real estate	$50,571
1-4 family residential loans	$336,266
Farmland loans	$215
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$156,965
To non-U.S. addressees	$0
Loans to individuals	$31,417
Credit card loans	$0
Related Plans	$0
Consumer Auto Loans	$353
Other loans to individuals	$31,064
All other loans & leases	$10,654
Loans to foreign governments and official institutions	$0
Other loans	$512
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$1,858
Non 1-4 family restructured loans & leases	$1,208
Total loans and leases (foreign)	$0

Peoples Bank had $965,449,000 of loans outstanding in 2020. $778,871,000 of loans were in real estate loans. $93,562,000 of loans were in development loans. $50,571,000 of loans were in multifamily mortgage loans. $336,266,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $353,000 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	369	$101,015	$273,753
Nonfarm, nonresidential loans - <$100k	37	$2,114	$57,135
Nonfarm, nonresidential loans - $100-250k	114	$13,995	$122,763
Nonfarm, nonresidential loans - $250k-1MM	218	$84,906	$389,477
Commercial & Industrial, US addressed loans - <$1MM	778	$83,521	$107,353
Commercial & Industrial, US addressed loans - <$100k	493	$14,195	$28,793
Commercial & Industrial, US addressed loans - $100-250k	153	$20,950	$136,928
Commercial & Industrial, US addressed loans - $250k-1MM	132	$48,376	$366,485
Farmland loans - <$1MM	1	$215	$215,000
Farmland loans - $100-250k	1	$215	$215,000