Applications / Mortgage Analytics / Lenders / Indiana / The Peoples State Bank
Ellettsville, IN · State non-member bank · FDIC · $482 million assets · 179 loans in 2025
The Peoples State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
179
loans originated, 2025
209
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples State Bank holds 2.7% of mortgage lending in Bloomington, Indiana, ranking 9 of 229 lenders, and its share there is rising.
Its share of the Bloomington market rose from 2.4% to 2.7% in 2025. Indiana University Credit Union leads there. The bank has lent in Bloomington since 1990. Its loans rose 15% to 179, faster than the 10% at similar lenders, state non-member banks making between half and twice as many loans.
Home purchases made up 62.6% of its loans, and every loan was conventional. Low- and moderate-income borrowers took 31.9%, higher than at about two-thirds of similar lenders, where the typical share was 27.6%. Its typical loan was $225,000, against $175,000.
It turned down 2.9% of first-lien home-purchase applications on owner-occupied homes. The typical refusal rate at similar lenders was 6.6%, and its refusal rate was lower than at more than three-quarters of the 101 peers with one.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Peoples State Bank took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.6% · Refinance 33.5% · Home improvement 3.9%
Conventional 100.0% · of 179 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 |
|---|---|---|
| Indiana | 179 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 106 |
| Indianapolis-Carmel-Greenwood | 40 |
| Kokomo | 2 |
| Muncie | 2 |
| Columbus | 1 |
| Louisville/Jefferson County | 1 |
| Terre Haute | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GQOPGZ1DO0MZ49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 454546 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314113 | 1990–2017 |
Established 1 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Peoples State Bank's data.
The Peoples State Bank's data
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The Peoples State 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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