Applications / Mortgage Analytics / Lenders / Ohio / Peoples Bank
Marietta, OH · State member bank · FRS · $9.6 billion assets · 2,202 loans in 2025
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2,202
loans originated, 2025
3,375
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank makes the smallest typical loan among similar banks, $95,000, and leads Parkersburg-Vienna, ranking 1 of 111 lenders there in 2025.
Similar lenders are state member banks making between half and twice as many loans. Its typical loan was $95,000 against $200,000, the lowest among them, and only 0.4% of its loans were jumbo (larger than the conforming limit) against 3.3%. Refinancing was 31.6% of its loans, purchases 29.9% and home improvement 28.1%; manufactured homes were 7.6% against 0.7%.
LMI (low- and moderate-income) borrowers took 41.2% of its loans against 26.8%, higher than nearly all similar lenders, and 25.2% were in LMI areas against 15.1%. Only 4.5% were in majority-minority areas against 11.3%; its largest markets include non-metro Ohio and non-metro West Virginia, which could account for that.
4.8% of its loans were higher-priced (a rate well above the average for similar loans) against 1.3%, and its typical rate was 7.24% against 6.81%. Manufactured-home loans, 7.6% of its lending against 0.7% at similar banks, are often priced higher and could account for most of that difference; its home-improvement lending, 28.1% of its loans, and its small loans could add to it.
Originations rose 15% to 2,202, against 2% for similar lenders and 10% for the whole market. In Lansing-East Lansing, which it entered in 2025, it ranked 16 of 333 with 1.2%, and in Parkersburg-Vienna it held 9.9%, about the same as the 10.0% of a year earlier.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Bank took 3,375 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 31.6% · Purchase 29.9% · Home improvement 28.1% · Other 10.4%
Conventional 96.6% · FHA 2.9% · USDA (RHS or FSA) 0.5% · VA 0.0% · of 2,202 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 1,244 | 56.5% |
| Kentucky | 465 | 21.1% |
| West Virginia | 446 | 20.3% |
| Virginia | 23 | 1.0% |
| Maryland | 7 | 0.3% |
| Tennessee | 5 | 0.2% |
| District of Columbia | 4 | 0.2% |
| Indiana | 4 | 0.2% |
| Alabama | 1 | 0.0% |
| Delaware | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 244 |
| Parkersburg-Vienna | 157 |
| Huntington-Ashland | 152 |
| Columbus | 101 |
| Louisville/Jefferson County | 94 |
| Charleston | 34 |
| Akron | 27 |
| Bowling Green | 27 |
| Lexington-Fayette | 22 |
| Cleveland | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | I70W3N0Z6KOX8FYIH023 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 577128 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15552 | 2000–2014 |
| Respondent ID (the HMDA filer code before 2018) | 2577128 | 2015–2017 |
Established 26 May 1902. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Peoples Bank's data.
Peoples Bank's data
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Peoples Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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