Peoples Trust Company of St. Albans
Peoples Trust Company of St. Albans received 208 applications in 2025 and made 165 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $255,000. Of 185 decisions, 18 were denials — 9.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006WZJUEUK1TVM53 |
|---|---|
| Applications received | 208 |
| Mortgages made | 165 |
| Denied | 18 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Peoples Trust Company of St. Albans, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 99 | Not published | $315,000 | 5.7% |
| Refinancing | 18 | Not published | $320,000 | 9.5% |
| Cash-out refinancing | 14 | Not published | $155,000 | 12.5% |
| Other purposes | 34 | Not published | $65,000 | 19.1% |
Where Peoples Trust Company of St. Albans lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, VT | 139 | Not published | 7.3% |
| Chittenden County, VT | 13 | Not published | 6.7% |
| Lamoille County, VT | 6 | Under 10 loans | 14.3% |
| Grand Isle County, VT | 5 | Under 10 loans | 50.0% |
| Addison County, VT | 1 | Under 10 loans | 0.0% |
| Orleans County, VT | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.