# Peoples Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/peoples-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Peoples Bank and Trust Company is a bank, headquartered in Mcpherson, KS, serving borrowers across 7 states, with 448 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930091IM32ECQG7562
- **Headquarters:** Mcpherson, KS
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** FL, IL, KS, MI, MO, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.322%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,143
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 448
- **Dollar Volume:** $92 million
- **Applications Received:** 540
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $205,625
- **Average Borrower Income:** $116,261
- **Average Property Value:** $284,375

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 441 | +0.317% | $1,141 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 387 loans, Score: 67/100 (Strong)
- Refinance: 54 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 394 | $84M | +0.312% | Strong 😀 |
| Refinance | 54/100 | 54 | $8M | +0.386% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KS | 438 | 1.46% | 93/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 235 | 68/100 |
| Wichita, KS | KS | 198 | 87/100 |

## Where This Lender Ranks

Peoples Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Kansas for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Wichita, KS for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#5** in Wichita, KS
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders)
- 🏆 **#5** in Wichita, KS for Conventional Loans
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🏆 **#7** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Kansas
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders)
- 🏆 **#8** in Kansas for USDA Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/usda-loans)
- 🏆 **#9** in Kansas for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Peoples Bank and Trust Company offer?

Peoples Bank and Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Peoples Bank and Trust Company offer mortgages?

Peoples Bank and Trust Company offers mortgages in 7 states: FL, IL, KS, MI, MO, OK, TX.

### How competitive are Peoples Bank and Trust Company's mortgage rates?

Peoples Bank and Trust Company has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.322% above market average.

### What type of lender is Peoples Bank and Trust Company?

Peoples Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Mcpherson, KS.

### What is Peoples Bank and Trust Company's loan approval success rate?

Peoples Bank and Trust Company has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/peoples-bank-and-trust

### How to Cite

> "Peoples Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/peoples-bank-and-trust

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