Peoples State Bank mortgage approval rate & lending review
Peoples State Bank decided 606 mortgage applications and funded 488 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples State Bank at a glance
Approval is 8.5 points above the 81.9% 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% | 216 / 242 | 87% | $195K | 188 |
| Cash-out refinance | 80% | 78 / 97 | 95% | $95K | 74 |
| Refinance | 90% | 37 / 41 | 89% | $105K | 33 |
| Investment property purchase | 98% | 151 / 154 | 88% | $155K | 133 |
| Investment refinance | 92% | 44 / 48 | 95% | $195K | 42 |
Peoples State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 90% | $155K | 585 | 471 |
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 State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Marathon County, WI | Mortgage lenders | 93% | 183 | 148 |
| Milwaukee County, WI | Investment property purchase | 97% | 75 | 63 |
| Marathon County, WI | Cash-out refinance | 81% | 75 | 57 |
| Marathon County, WI | Investment property purchase | 100% | 44 | 39 |
| Marathon County, WI | Refinance | 91% | 32 | 25 |
| Milwaukee County, WI | Investment refinance | 92% | 24 | 22 |
The county markets where Peoples State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Peoples State Bank
What is Peoples State Bank's mortgage approval rate?
Peoples State Bank approved 90.4% of the 606 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.5 points above the 81.9% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples State Bank offers?
Borrowers accepted 89% of the loans Peoples State Bank 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 State Bank make?
The typical home purchase mortgage loan Peoples State Bank made was $195K; across all loan types its typical loan ran from $95K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples State Bank lend?
Peoples State Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Wisconsin, Florida and Minnesota.
Can I apply to Peoples State Bank directly?
Yes. Peoples State Bank is a bank or credit union with 59 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peoples State Bank'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 State Bank treats applications, then get a rate quote from the lender.