Applications / Mortgage Analytics / Lenders / Texas / Peoples Bank
Lubbock, TX · State member bank · FRS · $1.2 billion assets · 170 loans in 2025
Peoples Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
170
loans originated, 2025
205
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank is a Lubbock purchase lender that ranks 11 of 341 in its home market and makes more FHA loans than almost any similar bank.
FHA loans (insured by the Federal Housing Administration) made up 12.9% of its lending. Similar lenders, state member banks making between half and twice as many loans, typically made none; its share was higher than at almost all of them. Purchases took 71.8% of its loans, and its typical loan was $245,000, against $185,000 at peers.
It turned down 1.8% of first-lien home-purchase applications on owner-occupied homes, against 7.5% at similar lenders. That was lower than at more than nine in ten of the 41 peers with a rate.
Low- and moderate-income (LMI) borrowers took 7.0% of its loans, against 27.8% at peers, among the lowest tenth. Its larger loans and focus on purchases are possible reasons. Majority-minority neighborhoods took 21.0%, against 4.3%, which may reflect where in Texas it lends.
In Lubbock, TX its share rose to 2.2%, ranking 11 of 341 lenders; Texas Tech Federal Credit Union led. Originations rose 6%, against 8% at peers, but remain well below the 430 loans of 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 21.8% · Other 3.5% · Home improvement 2.9%
Conventional 86.5% · FHA 12.9% · VA 0.6% · of 170 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 |
|---|---|---|
| Texas | 138 | 81.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 135 |
| Dallas-Plano-Irving | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300X7PN8KSYQHY415 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 819855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2819855 | 2000–2017 |
Established 13 February 1968. 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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