Peoples Bank (Georgia) mortgage approval rate & lending review
Peoples Bank (Georgia) decided 774 mortgage applications and funded 628 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples Bank (Georgia) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples Bank (Georgia) at a glance
Approval is 4.3 points above the 77.1% 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 | 89% | 287 / 323 | 100% | $295K | 287 |
| Cash-out refinance | 76% | 296 / 388 | 100% | $235K | 295 |
| Refinance | 61% | 25 / 41 | 96% | $155K | 24 |
Peoples Bank (Georgia) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Georgia | 75% | $235K | 68 | 51 |
| Florida | 83% | $355K | 65 | 54 |
| Mississippi | 88% | $195K | 56 | 47 |
| Pennsylvania | 77% | $235K | 48 | 37 |
| New Jersey | 80% | $315K | 41 | 33 |
| Michigan | 76% | $235K | 38 | 29 |
| Texas | 73% | $345K | 33 | 24 |
| Missouri | 74% | $155K | 31 | 23 |
| California | 77% | $435K | 30 | 23 |
| Illinois | 79% | $265K | 29 | 23 |
| Ohio | 74% | $185K | 27 | 20 |
| North Carolina | 96% | $285K | 24 | 23 |
| South Carolina | 82% | $215K | 22 | 18 |
| Wisconsin | 82% | $185K | 22 | 18 |
| Arizona | 100% | $405K | 21 | 21 |
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.
Questions about Peoples Bank (Georgia)
What is Peoples Bank (Georgia)'s mortgage approval rate?
Peoples Bank (Georgia) approved 81.4% of the 774 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.3 points above the 77.1% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples Bank (Georgia) offers?
Borrowers accepted 100% of the loans Peoples Bank (Georgia) approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Peoples Bank (Georgia) make?
The typical cash-out refinance loan Peoples Bank (Georgia) made was $235K; across all loan types its typical loan ran from $155K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples Bank (Georgia) lend?
Peoples Bank (Georgia) decided applications in 47 of the states Fat Boy Data covers, most of them in Georgia, Florida and Mississippi.
Can I apply to Peoples Bank (Georgia) directly?
Yes. Peoples Bank (Georgia) is a bank or credit union with 284 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peoples Bank (Georgia)'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 (Georgia) treats applications, then get a rate quote from the lender.