Peoples Bank (Washington) mortgage approval rate & lending review
Peoples Bank (Washington) decided 1,477 mortgage applications and funded 1,127 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples Bank (Washington) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples Bank (Washington) at a glance
Approval is 0.6 points above the 77.5% 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 | 84% | 548 / 656 | 99% | $435K | 540 |
| Home improvement loans | 73% | 273 / 375 | 96% | $95K | 263 |
| Cash-out refinance | 71% | 30 / 42 | 93% | $355K | 28 |
| Refinance | 76% | 172 / 226 | 99% | $155K | 170 |
| Investment property purchase | 84% | 84 / 100 | 96% | $355K | 81 |
| Investment home improvement | 56% | 29 / 52 | 97% | $105K | 28 |
Peoples Bank (Washington) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 78% | $355K | 1,477 | 1,127 |
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 (Washington) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Whatcom County, WA | Mortgage lenders | 88% | 343 | 298 |
| Whatcom County, WA | Home improvement loans | 73% | 196 | 142 |
| Skagit County, WA | Mortgage lenders | 77% | 164 | 125 |
| Whatcom County, WA | Refinance | 76% | 129 | 96 |
| Skagit County, WA | Home improvement loans | 77% | 115 | 85 |
| Skagit County, WA | Refinance | 84% | 62 | 52 |
| Whatcom County, WA | Investment property purchase | 89% | 53 | 45 |
| Snohomish County, WA | Home improvement loans | 55% | 31 | 17 |
| King County, WA | Home improvement loans | 80% | 20 | 12 |
| Whatcom County, WA | Cash-out refinance | 67% | 21 | 12 |
The county markets where Peoples Bank (Washington) made the most loans. Each link opens that market with every lender ranked.
Questions about Peoples Bank (Washington)
What is Peoples Bank (Washington)'s mortgage approval rate?
Peoples Bank (Washington) approved 78.1% of the 1,477 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.6 points above the 77.5% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples Bank (Washington) offers?
Borrowers accepted 98% of the loans Peoples Bank (Washington) 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 (Washington) make?
The typical home purchase mortgage loan Peoples Bank (Washington) made was $435K; across all loan types its typical loan ran from $95K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples Bank (Washington) lend?
Peoples Bank (Washington) decided applications in 1 of the states Fat Boy Data covers, most of them in Washington.
Can I apply to Peoples Bank (Washington) directly?
Yes. Peoples Bank (Washington) 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 (Washington)'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 (Washington) treats applications, then get a rate quote from the lender.