Back in the record
The bank first reported under HMDA in 2008. It filed no report for 2020, 2021 or 2022. Those are gaps in the record, not years without lending. It made 59 loans in 2018, 29 in 2023 and 32 in 2025.
Applications / Mortgage Analytics / Lenders / Maryland / The Peoples Bank
The Peoples Bank
Chestertown, MD · State non-member bank · FDIC · $293 million assets · 32 loans in 2025
The Peoples Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
32
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Bank, a small bank in Chestertown, Maryland, is mainly a refinance lender: refinances made up 62.5% of its 32 loans in 2025.
A refinance lender
Home purchases made up 34.4% of its loans. Every loan was conventional. Its typical loan was $150,000, against $175,000 at similar lenders, state non-member banks making between half and twice as many loans.
Growing from a small base
Its loans rose from 23 to 32, a rise of 39%, while similar lenders' lending was flat. With so few loans, a handful either way moves that figure, so the rise says little about a trend. Its shares of loans to particular borrowers or neighborhoods rest on too few loans to read much into. It lends in one state and seven counties, and ranked 91 of 383 lenders in non-metro Maryland.
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
32 loans in 2025, against a peak of 59 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. The Peoples Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
62.5% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 62.5% · Purchase 34.4% · Other 3.1%
Conventional 100.0% · of 32 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
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Maryland | 32 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 7 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003XUOO66TL0ZM91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 750127 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312885 | 2008–2017 |
Established 1 October 1910. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: The Peoples Bank's data.
The data and the software behind these pages
The Peoples Bank's data
$215
The 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.
Buy The Peoples Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]