The Peoples Bank
The Peoples Bank received 95 applications in 2025 and made 76 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 90 decisions, 6 were denials — 6.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SUOO1RFWRM7N78 |
|---|---|
| Applications received | 95 |
| Mortgages made | 76 |
| Denied | 6 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.296 points |
| FDIC-insured bank | Yes: The Peoples Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 47 | 7.250% | $225,000 | 8.6% |
| Refinancing | 21 | 7.500% | $155,000 | 4.4% |
| Other purposes | 8 | Under 10 loans | Under 10 loans | 0.0% |
Where The Peoples Bank lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spencer County, KY | 40 | 7.250% | 2.1% |
| Shelby County, KY | 9 | Under 10 loans | 23.1% |
| Jefferson County, KY | 8 | Under 10 loans | 0.0% |
| Nelson County, KY | 7 | Under 10 loans | 12.5% |
| Anderson County, KY | 3 | Under 10 loans | 0.0% |
| Oldham County, KY | 3 | Under 10 loans | 0.0% |
| Bullitt County, KY | 2 | Under 10 loans | 33.3% |
| Grayson County, KY | 1 | Under 10 loans | 0.0% |
| Larue County, KY | 1 | Under 10 loans | 0.0% |
| Mercer County, KY | 1 | Under 10 loans | 0.0% |
| Washington County, KY | 1 | Under 10 loans | 0.0% |
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When The Peoples Bank’s figures are published for the next year, or restated.
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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.