Peoples Bank (Texas) mortgage approval rate & lending review
Peoples Bank (Texas) decided 444 mortgage applications and funded 373 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples Bank (Texas) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples Bank (Texas) at a glance
Approval is 14.0 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% | 276 / 281 | 85% | $245K | 234 |
| Cash-out refinance | 100% | 33 / 33 | 88% | $275K | 29 |
| Investment property purchase | 100% | 77 / 77 | 87% | $165K | 67 |
Peoples Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $245K | 444 | 373 |
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 (Texas) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 98% | 275 | 228 |
| Lubbock County, TX | Investment property purchase | 100% | 74 | 64 |
| Lubbock County, TX | Cash-out refinance | 100% | 32 | 29 |
The county markets where Peoples Bank (Texas) made the most loans. Each link opens that market with every lender ranked.
Questions about Peoples Bank (Texas)
What is Peoples Bank (Texas)'s mortgage approval rate?
Peoples Bank (Texas) approved 98.4% of the 444 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.0 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples Bank (Texas) offers?
Borrowers accepted 85% of the loans Peoples Bank (Texas) 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 (Texas) make?
The typical home purchase mortgage loan Peoples Bank (Texas) made was $245K; across all loan types its typical loan ran from $165K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples Bank (Texas) lend?
Peoples Bank (Texas) decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Peoples Bank (Texas) directly?
Yes. Peoples Bank (Texas) 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 (Texas)'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 (Texas) treats applications, then get a rate quote from the lender.