What loan types does Peoples Bank and Trust Company offer?

Peoples Bank and Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Peoples Bank and Trust Company offer mortgages?

Peoples Bank and Trust Company offers mortgages in 7 states: FL, IL, KS, MI, MO, OK, TX.

How competitive are Peoples Bank and Trust Company's mortgage rates?

Peoples Bank and Trust Company has an overall pricing score of 62.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Peoples Bank and Trust Company?

Peoples Bank and Trust Company is a Bank headquartered in Mcpherson, KS.

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Peoples Bank and Trust Company

Bank•McPherson, KSHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Peoples Bank and Trust Company — 448 loans across 540 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

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Exceptional

5/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Peoples Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+32.2 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

441 loans · 0.32% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

394 loans · 0.31% above market

Strong

Top 40% of lenders

4/5

Refinance

54 loans · 0.39% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	441	98.4%	+0.317%Above	$1,141Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume441

Mix98.4%

Spread

+0.317%Above

Fees

$1,141Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	394	87.9%	+0.312%Above	$1,147Fees
Refinance	Sound	Sound	Sound	Strong	54	12.1%	+0.386%Above	$1,113Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume394

Mix87.9%

Spread

+0.312%Above

Fees

$1,147Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume54

Mix12.1%

Spread

+0.386%Above

Fees

$1,113Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

448

Applications

540

Volume

$92 million

Pricing & Closing

Avg Rate Spread

+0.322%

vs. market APOR

Avg Net Fees

$1,143

Origination − Credits

Pullthrough Rate

83.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$205,625

Avg Borrower Income

$116,261

Avg Property Value

$284,375

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest4

ILKSMIMO

South3

FLOKTX

Top Metro Areas by Place Specialization Score

Wichita, KSMetro

Volume 198Mix 44.20% of portfolio

87/100

Exceptional

Top States by Place Specialization Score

KansasState

Volume 438Mix 97.77% of portfolio

93/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.