Applications / Mortgage Analytics / Lenders / North Carolina / Peoples Bank
Newton, NC · State non-member bank · FDIC · $1.7 billion assets · 567 loans in 2025
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567
loans originated, 2025
947
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank, a Newton, North Carolina bank lending mostly for home improvement and purchases, made 567 loans in 2025, 27% more than in 2024 and faster growth than most similar lenders.
Originations rose 27%, against 9% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, higher than about six in seven of them. Its volume rose to $136.4 million from $104.9 million. It remains below its 875 loans of 2022.
Home improvement made up 35.1% of its loans, purchases 30.9%, other purposes 22.9% and refinances 11.1%. Almost all, 99.8%, was conventional. Higher-priced loans (a rate well above the average for similar loans) were 0.2% of its lending, against 1.6% at similar lenders.
In Hickory-Lenoir-Morganton it ranked 11 of 374 lenders with 2.1% of the market, up from 1.8%; State Employees' Credit Union led. In Charlotte-Concord-Gastonia it ranked 75 of 775, with its share up 0.1 points to 0.3%.
LMI (low- and moderate-income) areas took 18.1% of its loans, against 15.7% at similar lenders, and LMI borrowers 25.3%, against 27.3%. Its home-purchase denial rate, 4.5%, was close to the 5.2% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 947 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.1% · Purchase 30.9% · Other 22.9% · Refinance 11.1%
Conventional 99.8% · USDA (RHS or FSA) 0.2% · of 567 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 |
|---|---|---|
| North Carolina | 564 | 99.5% |
| South Carolina | 3 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 262 |
| Hickory-Lenoir-Morganton | 261 |
| Raleigh-Cary | 11 |
| Winston-Salem | 11 |
| Greensboro-High Point | 3 |
| Wilmington | 3 |
| Durham-Chapel Hill | 2 |
| Burlington | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006HXEF6V2NZED40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 220527 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35956 | 1990–2017 |
Established 1 January 1912. Reported under HMDA 1990-2025.
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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