# Peoples Bank

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


> **📋 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 is a bank, headquartered in Marietta, OH, serving borrowers across 11 states, with 618 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** I70W3N0Z6KOX8FYIH023
- **Headquarters:** Marietta, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AZ, FL, IL, IN, KY, OH, SC, TN, TX, VA, WV
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.299%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $823
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 618
- **Dollar Volume:** $114 million
- **Applications Received:** 912
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $183,738
- **Average Borrower Income:** $101,432
- **Average Property Value:** $243,058

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 557 | +0.295% | $770 | Strong 😀 |
| FHA | 60/100 | 50 | +0.342% | $1,436 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 435 loans, Score: 75/100 (Strong)
- Refinance: 122 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 48 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 73/100 | 494 | $94M | +0.317% | Strong 😀 |
| Refinance | 71/100 | 124 | $19M | +0.221% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 337 | 0.25% | 76/100 |
| WV | 147 | 0.95% | 80/100 |
| KY | 110 | 0.24% | 69/100 |
| VA | 10 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 311 | 71/100 |
| Parkersburg | WV | 79 | 100/100 |
| Cincinnati, OH |  | 48 | 61/100 |
| Columbus, OH | OH | 45 | 60/100 |
| Huntington |  | 25 | 57/100 |
| Louisville/Jefferson County, KY | KY-IN | 23 | 52/100 |
| Bowling Green, KY | KY | 19 | 53/100 |
| Akron, OH | OH | 11 | 43/100 |

## Where This Lender Ranks

Peoples Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Parkersburg for Conventional Loans
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Parkersburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Parkersburg
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders)
- 🥈 **#2** in Parkersburg Banks
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/banks)
- 🥉 **#3** in Parkersburg for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Parkersburg for FHA Loans
  - [View Full Rankings](https://saferate.com/parkersburg/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Bowling Green, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in West Virginia for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Huntington Banks
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks)
- 🏆 **#11** in Huntington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in West Virginia for Conventional Loans
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in West Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Bowling Green, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in West Virginia Banks
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks)
- 🏆 **#15** in Kentucky for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Ohio for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Huntington for Conventional Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Peoples Bank offer?

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

### Where does Peoples Bank offer mortgages?

Peoples Bank offers mortgages in 11 states: AZ, FL, IL, IN, KY, OH, SC, TN, TX, VA, WV.

### How competitive are Peoples Bank's mortgage rates?

Peoples Bank has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.299% above market average.

### What type of lender is Peoples Bank?

Peoples Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Marietta, OH.

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

Peoples Bank has a pull-through score of 56/100 (Sound). 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-oh

### How to Cite

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

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