# Peoples Exchange Bank

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


> **📋 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 Exchange Bank is a bank, headquartered in Winchester, KY, serving borrowers across 2 states, with 169 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Q3RKNDNMSDEE10
- **Headquarters:** Winchester, KY
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, OH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.033%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $731
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 169
- **Dollar Volume:** $41 million
- **Applications Received:** 251
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $244,527
- **Average Borrower Income:** $114,331
- **Average Property Value:** $315,178

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 45/100 | 114 | +0.056% | $843 | Sound ☺️ |
| FHA | 62/100 | 39 | +0.066% | $416 | Strong 😀 |
| VA | 55/100 | 10 | -0.427% | $573 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 43/100 (Sound)
- Refinance: 26 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 39 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 142 | $36M | +0.050% | Sound ☺️ |
| Refinance | 44/100 | 27 | $6M | -0.050% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 165 | 0.35% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lexington | KY | 99 | 84/100 |
| Non |  | 50 | 48/100 |
| Cincinnati, OH |  | 17 | 51/100 |

## Where This Lender Ranks

Peoples Exchange Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lexington for FHA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Kentucky for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Lexington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Lexington Banks
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks)
- 🏆 **#6** in Lexington
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders)
- 🏆 **#9** in Kentucky for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#10** in Lexington for VA Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Kentucky for FHA Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Lexington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Kentucky Banks
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks)
- 🏆 **#20** in Lexington for Conventional Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Peoples Exchange Bank offer?

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

### Where does Peoples Exchange Bank offer mortgages?

Peoples Exchange Bank offers mortgages in 2 states: KY, OH.

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

Peoples Exchange Bank has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.033% above market average.

### What type of lender is Peoples Exchange Bank?

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

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

Peoples Exchange Bank has a pull-through score of 51/100 (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-exchange-bank

### How to Cite

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

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