# Peoples National Bank , N.A.

> **Canonical URL:** https://saferate.com/lenders/peoples-national-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 National Bank , N.A. is a bank, headquartered in Mount Vernon, IL, serving borrowers across 5 states, with 324 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300U8L31JJT1ZDP60
- **Headquarters:** Mount Vernon, IL
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, AZ, IL, MO, OH
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.286%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $819
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 324
- **Dollar Volume:** $55 million
- **Applications Received:** 424
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $170,772
- **Average Borrower Income:** $92,627
- **Average Property Value:** $218,488

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 298 | +0.272% | $795 | Sound ☺️ |
| USDA | 75/100 | 20 | +0.412% | $1,261 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 255 loans, Score: 44/100 (Sound)
- Refinance: 43 loans, Score: 43/100 (Sound)

**USDA:**
- Purchase: 20 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 280 | $47M | +0.283% | Sound ☺️ |
| Refinance | 40/100 | 44 | $9M | +0.298% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 283 | 0.23% | 78/100 |
| MO | 38 | 0.05% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 274 | 71/100 |
| St. Louis, MO | MO-IL | 42 | 60/100 |

## Where This Lender Ranks

Peoples National Bank , N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Illinois for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#11** in Illinois for USDA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does Peoples National Bank , N.A. offer?

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

### Where does Peoples National Bank , N.A. offer mortgages?

Peoples National Bank , N.A. offers mortgages in 5 states: AR, AZ, IL, MO, OH.

### How competitive are Peoples National Bank , N.A.'s mortgage rates?

Peoples National Bank , N.A. has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.286% above market average.

### What type of lender is Peoples National Bank , N.A.?

Peoples National Bank , N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Mount Vernon, IL.

### What is Peoples National Bank , N.A.'s loan approval success rate?

Peoples National Bank , N.A. has a pull-through score of 53/100 (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-national-bank

### How to Cite

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

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