We analyzed every closed loan from Peoples Bank — 618 loans across 912 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
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Report Card
Peoples Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+29.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 557 | 90.1% | +0.295%Above | $770Fees | ||||
FHA Loans | 50 | 8.1% | +0.342%Above | $1,436Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume557
Mix90.1%
Spread
+0.295%Above
Fees
$770Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughSound
Volume50
Mix8.1%
Spread
+0.342%Above
Fees
$1,436Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 494 | 79.9% | +0.317%Above | $771Fees | ||||
Refinance | 124 | 20.1% | +0.221%Above | $1,042Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume494
Mix79.9%
Spread
+0.317%Above
Fees
$771Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume124
Mix20.1%
Spread
+0.221%Above
Fees
$1,042Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
618
Applications
912
Volume
$113 million
Pricing & Closing
Avg Rate Spread
+0.299%
vs. market APOR
Avg Net Fees
$823
Origination − Credits
Pullthrough Rate
67.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$183,738
Avg Borrower Income
$101,432
Avg Property Value
$243,058
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
11Midwest3
ILINOH
South7
FLKYSCTNTXVAWV
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 79Mix 12.78% of portfolio
100/100
Exceptional
Volume 48Mix 7.77% of portfolio
61/100
Strong
Volume 45Mix 7.28% of portfolio
60/100
Sound
Volume 25Mix 4.05% of portfolio
57/100
Sound
Volume 19Mix 3.07% of portfolio
53/100
Sound
Volume 23Mix 3.72% of portfolio
52/100
Sound
Volume 11Mix 1.78% of portfolio
43/100
SoundTop States by Place Specialization Score
1
West VirginiaState
Volume 147Mix 23.79% of portfolio
80/100
Strong2
OhioState
Volume 337Mix 54.53% of portfolio
76/100
Strong3
KentuckyState
Volume 110Mix 17.80% of portfolio
69/100
Strong4
VirginiaState
Volume 10Mix 1.62% of portfolio
37/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.