What loan types does Peoples Bank offer?

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

Where does Peoples Bank offer mortgages?

Peoples Bank offers mortgages in 2 states: NC, SC.

How competitive are Peoples Bank's mortgage rates?

Peoples Bank has an overall pricing score of 59.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Peoples Bank?

Peoples Bank is a Bank headquartered in Newton, NC.

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Peoples Bank

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Peoples Bank has 95 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

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

Sound

Rates 0.1 bps below market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

84 loans · 0.00% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

10 loans · 0.12% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

83 loans · 0.01% above market

Sound

Top 60% of lenders

3/5

Refinance

12 loans · 0.04% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

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	Sound	Acceptable	Strong	Sound	84	88.4%	+0.001%Above	$1,916Fees
Jumbo Loans	Sound	Sound	—	—	10	10.5%	+0.121%Above	$3,037Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume84

Mix88.4%

Spread

+0.001%Above

Fees

$1,916Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix10.5%

Spread

+0.121%Above

Fees

$3,037Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	83	87.4%	+0.006%Above	$1,922Fees
Refinance	Acceptable	Acceptable	—	Acceptable	12	12.6%	-0.039%Below	$1,973Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume83

Mix87.4%

Spread

+0.006%Above

Fees

$1,922Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume12

Mix12.6%

Spread

-0.039%Below

Fees

$1,973Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

136

Volume

$42 million

Pricing & Closing

Avg Rate Spread

-0.001%

vs. market APOR

Avg Net Fees

$1,929

Origination − Credits

Pullthrough Rate

69.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$448,474

Avg Borrower Income

$188,074

Avg Property Value

$719,211

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

South2

NCSC

Top Metro Areas by Place Specialization Score

Hickory, NCMetro

Volume 34Mix 35.79% of portfolio

69/100

Strong

Charlotte, NC-SCMetro

Volume 49Mix 51.58% of portfolio

67/100

Strong

Top States by Place Specialization Score

North CarolinaState

Volume 93Mix 97.89% of portfolio

66/100

Strong

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.