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Peoples Bank
Bank|Marietta, OH|Multi-Region
Loans Originated
618
Applications
912
Volume
$113 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.299%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$823
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
Report Card
Peoples Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$183,738
Average Borrower Income
$101,432
Average Property Value
$243,058
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Strong | Strong | 557 | 90.1% | +0.295% | $770 |
FHA Loans | Sound | Sound | Strong | Sound | 50 | 8.1% | +0.342% | $1,436 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 494 | 79.9% | +0.317% | $771 |
Refinance | Strong | Strong | Strong | Strong | 124 | 20.1% | +0.221% | $1,042 |
Geographic Coverage
Metro Areas
7
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Parkersburg, WVMSA
Volume: 79Mix: 12.78%
Place Specialization
Exceptional
2
Cincinnati, OHMSA
Volume: 48Mix: 7.77%
Place Specialization
Strong
3
Columbus, OH, OHMSA
Volume: 45Mix: 7.28%
Place Specialization
Sound
4
HuntingtonMSA
Volume: 25Mix: 4.05%
Place Specialization
Sound
5
Bowling Green, KY, KYMSA
Volume: 19Mix: 3.07%
Place Specialization
Sound
6
Louisville/Jefferson County, KY, KY-INMSA
Volume: 23Mix: 3.72%
Place Specialization
Sound
7
Akron, OH, OHMSA
Volume: 11Mix: 1.78%
Place Specialization
Sound
Top States by Place Specialization Score
1
WVState
Volume: 147Mix: 23.79%
Place Specialization
Strong
2
OHState
Volume: 337Mix: 54.53%
Place Specialization
Strong
3
KYState
Volume: 110Mix: 17.80%
Place Specialization
Strong
4
VAState
Volume: 10Mix: 1.62%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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