Purchase Originations
559
Ranked #586 nationally
Median Total Costs
$3,525
−47.2% vs national ($6,680)
↓ $41 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,099
Median Lender Credits
$350
Cost Rank (500+ vol.)
#72
among lenders with 500+ originations
Denial Rate
12.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 494 | 6.625% | $3,348 | $1,099 |
| fha | 54 | 6.250% | $7,636 | $1,182 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,740 | 6.750% | — | 35 | −$1,785 | |
| 2 | $2,028 | 6.688% | — | 8 | −$1,497 | |
| 3 | $2,596 | 6.375% | — | 25 | −$929 | |
| 4 | $2,613 | 6.375% | — | 13 | −$912 | |
| 5 | $2,932 | 6.750% | — | 10 | −$593 | |
| 6 | $3,069 | 6.625% | — | 15 | −$456 | |
| 7 | $3,347 | 6.250% | — | 9 | −$178 | |
| 8 | $3,364 | 6.438% | — | 8 | −$161 | |
| 9 | $3,448 | 6.500% | — | 8 | −$77 | |
| 10 | $3,477 | 6.750% | — | 18 | −$48 | |
| 11 | $3,481 | 6.500% | — | 11 | −$44 | |
| 12 | $3,578 | 6.500% | — | 14 | +$53 | |
| 13 | $3,579 | 6.438% | — | 18 | +$54 | |
| 14 | $3,659 | 6.438% | — | 20 | +$134 | |
| 15 | $3,702 | 6.375% | — | 45 | +$177 | |
| 16 | $3,770 | 6.500% | — | 10 | +$245 | |
| 17 | $3,874 | 6.250% | — | 9 | +$349 | |
| 18 | $3,966 | 6.500% | — | 50 | +$441 | |
| 19 | $4,127 | 6.625% | — | 15 | +$602 | |
| 20 | $4,321 | 6.312% | — | 12 | +$796 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Peoples Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $3,525 | $7,127 | −$3,602 (−50.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.