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Peoples Bank

Bank•Bellingham, WAHQ•Direct•Reviews near you on Google

Peoples Bank has 266 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Single State · 5 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Pricing may be below industry average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Peoples Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+17.7 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume216
Mix81.2%
Spread
+0.197%Above
Fees
$3,131Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume42
Mix15.8%
Spread
+0.028%Above
Fees
$3,058Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume247
Mix92.9%
Spread
+0.143%Above
Fees
$3,084Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Acceptable
Volume19
Mix7.1%
Spread
+0.539%Above
Fees
$3,757Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
266
Applications
469
Volume
$158 million
Pricing & Closing
Avg Rate Spread
+0.177%
vs. market APOR
Avg Net Fees
$3,143
Origination − Credits
Pullthrough Rate
56.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$596,842
Avg Borrower Income
$218,492
Avg Property Value
$901,729

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
WA

Top Metro Areas by Place Specialization Score

1© Joe Mabel · CC BY-SA 4.0
Mount Vernon, WAMetro
Volume 49Mix 18.42% of portfolio
98/100
Exceptional
2© Robert Ashworth from Bellingham, WA., USA · CC BY 2.0
Bellingham, WAMetro
Volume 83Mix 31.20% of portfolio
85/100
Exceptional
3© Joe Mabel · CC BY-SA 3.0
Wenatchee, WAMetro
Volume 35Mix 13.16% of portfolio
79/100
Strong
4© SounderBruce · CC BY-SA 4.0
Everett, WAMetro
Volume 23Mix 8.65% of portfolio
59/100
Sound
5© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 23Mix 8.65% of portfolio
54/100
Sound

Top States by Place Specialization Score

Washington
Washington
1
WashingtonState
Volume 265Mix 99.62% of portfolio
81/100
Exceptional

How 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.