Applications / Mortgage Analytics / Lenders / Arizona / Peoples Mortgage Company
Tempe, AZ · Independent non-bank lender · CFPB · 2,983 loans in 2025
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2,983
loans originated, 2025
4,212
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Mortgage Company, a Tempe, Arizona, non-bank lender, is a purchase-mortgage specialist that ranks fifth in Bakersfield, California, but held its volume flat in 2025 while the market grew.
Purchases made up 82.2% of its loans; it made no other-purpose loans. Loans insured by the Federal Housing Administration (FHA) were 29.5% of its lending, against 23.0% at similar lenders (independent non-bank lenders making between half and twice as many loans). Its typical loan, $315,000, matched theirs. It lends in 35 states, with Arizona at the center.
Its loans were flat at 2,983, while similar lenders grew 12% and the whole market 10%. Its share in Phoenix-Mesa-Chandler, its largest market, slipped to 0.3% from 0.4%. This was not a retreat across the board: its share rose in Bakersfield, Las Vegas and Denver. The flat year also follows a doubling, from 1,519 loans in 2023 to 2,972 in 2024.
It ranks 5 of 407 lenders in Bakersfield-Delano, with 3.1% of the market, up from 2.9%. In Tucson it ranks 21 of 489. United Wholesale Mortgage ranks first in both. It entered Great Falls, Montana, and Evansville, Indiana, in 2025.
Some 25.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 19.1% at the typical similar lender, more than at about three in four of them. Its share in majority-minority neighborhoods, 33.7%, was also higher than peers' 26.7%. Its purchase denial rate, 2.6%, was lower than the 4.2% typical of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage Company took 4,212 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.2% · Refinance 17.8% · Other 0.0%
Conventional 61.5% · FHA 29.5% · VA 7.4% · USDA (RHS or FSA) 1.5% · of 2,983 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 |
|---|---|---|
| Arizona | 828 | 27.8% |
| California | 603 | 20.2% |
| Nebraska | 295 | 9.9% |
| Alabama | 292 | 9.8% |
| Nevada | 258 | 8.6% |
| Virginia | 219 | 7.3% |
| Colorado | 183 | 6.1% |
| Florida | 58 | 1.9% |
| Texas | 45 | 1.5% |
| Utah | 43 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bakersfield-Delano | 459 |
| Phoenix-Mesa-Chandler | 386 |
| Tucson | 302 |
| Las Vegas-Henderson-North Las Vegas | 249 |
| Denver-Aurora-Centennial | 160 |
| Omaha | 155 |
| Arlington-Alexandria-Reston | 101 |
| Grand Island | 68 |
| Birmingham | 58 |
| San Diego-Chula Vista-Carlsbad | 52 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N3JBQ15RQ7AV97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3876354 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71746800001 | 2003–2017 |
| Respondent ID (the HMDA filer code before 2018) | 7860431588 | 2016–2016 |
Established 19 March 1982. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Peoples Mortgage Company's data.
Peoples Mortgage Company's data
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Peoples Mortgage Company 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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