Get & compare mortgage quotes anonymously Start in My Home
PNB
Unclaimed

Peoples National Bank

Bank•Mount Vernon, ILHQ•Direct•Reviews near you on Google

Peoples National Bank has 324 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
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · USDA
Place
Strong
4/5
Regional · 1 mkts

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Explore another lender or local market

Report Card

Peoples National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+28.6 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume298
Mix92.0%
Spread
+0.272%Above
Fees
$795Fees
USDA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume20
Mix6.2%
Spread
+0.412%Above
Fees
$1,261Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Acceptable
Volume280
Mix86.4%
Spread
+0.283%Above
Fees
$859Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Sound
Volume44
Mix13.6%
Spread
+0.298%Above
Fees
$593Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
324
Applications
424
Volume
$55 million
Pricing & Closing
Avg Rate Spread
+0.286%
vs. market APOR
Avg Net Fees
$819
Origination − Credits
Pullthrough Rate
76.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$170,772
Avg Borrower Income
$92,627
Avg Property Value
$218,488

Geographic Coverage

Geographic Performance

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

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILMOOH
South1
AR
West1
AZ

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 42Mix 12.96% of portfolio
60/100
Strong

Top States by Place Specialization Score

Illinois
Illinois
1
IllinoisState
Volume 283Mix 87.35% of portfolio
78/100
Strong
Missouri
Missouri
2
MissouriState
Volume 38Mix 11.73% of portfolio
54/100
Sound

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.

Looking for a different lender?

Are you the owner of Peoples National Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.