Peoples Bank and Trust Company mortgage approval rate & lending review
Peoples Bank and Trust Company decided 807 mortgage applications and funded 771 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples Bank and Trust Company at a glance
Approval is 11.5 points above the 84.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 459 / 467 | 99% | $225K | 456 |
| Refinance | 89% | 33 / 37 | 100% | $175K | 33 |
| Investment property purchase | 97% | 177 / 182 | 100% | $145K | 177 |
| Investment refinance | 94% | 58 / 62 | 100% | $145K | 58 |
Peoples Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kansas | 96% | $225K | 777 | 743 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Peoples Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sedgwick County, KS | Mortgage lenders | 98% | 444 | 433 |
| Sedgwick County, KS | Investment property purchase | 98% | 168 | 164 |
| Sedgwick County, KS | Investment refinance | 93% | 60 | 56 |
| Sedgwick County, KS | Refinance | 90% | 31 | 28 |
The county markets where Peoples Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Peoples Bank and Trust Company
What is Peoples Bank and Trust Company's mortgage approval rate?
Peoples Bank and Trust Company approved 95.9% of the 807 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples Bank and Trust Company offers?
Borrowers accepted 100% of the loans Peoples Bank and Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Peoples Bank and Trust Company make?
The typical home purchase mortgage loan Peoples Bank and Trust Company made was $225K; across all loan types its typical loan ran from $145K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples Bank and Trust Company lend?
Peoples Bank and Trust Company decided applications in 11 of the states Fat Boy Data covers, most of them in Kansas, Florida and Missouri.
Can I apply to Peoples Bank and Trust Company directly?
Yes. Peoples Bank and Trust Company is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peoples Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Peoples Bank and Trust Company treats applications, then get a rate quote from the lender.