The Peoples State Bank
The Peoples State Bank received 209 applications in 2025 and made 179 mortgages, in 20 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $225,000. Of 193 decisions, 11 were denials — 5.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GQOPGZ1DO0MZ49 |
|---|---|
| Applications received | 209 |
| Mortgages made | 179 |
| Denied | 11 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 16 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Peoples State Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 112 | Not published | $245,000 | 2.6% |
| Refinancing | 40 | Not published | $175,000 | 4.7% |
| Cash-out refinancing | 20 | Not published | $175,000 | 13.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where The Peoples State Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monroe County, IN | 89 | Not published | 1.1% |
| Owen County, IN | 17 | Not published | 5.6% |
| Brown County, IN | 14 | Not published | 26.3% |
| Lawrence County, IN | 14 | Not published | 0.0% |
| Morgan County, IN | 10 | Not published | 0.0% |
| Hamilton County, IN | 7 | Under 10 loans | 12.5% |
| Greene County, IN | 5 | Under 10 loans | 14.3% |
| Marion County, IN | 5 | Under 10 loans | 0.0% |
| Johnson County, IN | 4 | Under 10 loans | 0.0% |
| Putnam County, IN | 3 | Under 10 loans | 25.0% |
| Delaware County, IN | 2 | Under 10 loans | 0.0% |
| Grant County, IN | 2 | Under 10 loans | 0.0% |
| Howard County, IN | 2 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Clay County, IN | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Orange County, IN | 1 | Under 10 loans | 0.0% |
| Washington County, IN | 1 | Under 10 loans | 0.0% |
| Boone County, IN | 0 | Under 10 loans | 100.0% |
| Henry County, IN | 0 | Under 10 loans | Not published |
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When The Peoples State 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.