The Peoples State Bank mortgage approval rate & lending review
The Peoples State Bank decided 316 mortgage applications and funded 300 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Peoples State Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Peoples State Bank at a glance
Approval is 13.8 points above the 82.7% 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% | 176 / 180 | 98% | $265K | 173 |
| Cash-out refinance | 90% | 28 / 31 | 100% | $165K | 28 |
| Refinance | 95% | 37 / 39 | 97% | $135K | 36 |
| Investment property purchase | 100% | 38 / 38 | 97% | $195K | 37 |
The Peoples State Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 97% | $265K | 316 | 300 |
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 The Peoples State Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, IN | Mortgage lenders | 99% | 131 | 127 |
| Monroe County, IN | Refinance | 97% | 33 | 32 |
| Monroe County, IN | Investment property purchase | 100% | 32 | 31 |
| Monroe County, IN | Cash-out refinance | 89% | 28 | 25 |
The county markets where The Peoples State Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Peoples State Bank
What is The Peoples State Bank's mortgage approval rate?
The Peoples State Bank approved 96.5% of the 316 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.8 points above the 82.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Peoples State Bank offers?
Borrowers accepted 98% of the loans The 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 The Peoples State Bank make?
The typical home purchase mortgage loan The Peoples State Bank made was $265K; across all loan types its typical loan ran from $135K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Peoples State Bank lend?
The Peoples State Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Indiana.
Can I apply to The Peoples State Bank directly?
Yes. The 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 The 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 The Peoples State Bank treats applications, then get a rate quote from the lender.