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Peoples Bank

Bank•Marietta, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Peoples Bank — 618 loans across 912 applications— and benchmarked them against peer lenders 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
FHA · Conventional
Place
Strong
4/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

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 Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+29.9 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
557 loans · 0.29% above market
Strong
Top 40% of lenders
4/5
FHA
50 loans · 0.34% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
494 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
Refinance
124 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume557
Mix90.1%
Spread
+0.295%Above
Fees
$770Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume50
Mix8.1%
Spread
+0.342%Above
Fees
$1,436Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume494
Mix79.9%
Spread
+0.317%Above
Fees
$771Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume124
Mix20.1%
Spread
+0.221%Above
Fees
$1,042Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
618
Applications
912
Volume
$113 million
Pricing & Closing
Avg Rate Spread
+0.299%
vs. market APOR
Avg Net Fees
$823
Origination − Credits
Pullthrough Rate
67.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$183,738
Avg Borrower Income
$101,432
Avg Property Value
$243,058

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11Full-year 2024 · HMDA
11 states with loan originations
Loans originated
< 1010–100100+None
Midwest3
ILINOH
South7
FLKYSCTNTXVAWV
West1
AZ

Top Metro Areas by Place Specialization Score

1© Tim Kiser (w:User:Malepheasant) · CC BY-SA 2.5
Parkersburg, WVMetro
Volume 79Mix 12.78% of portfolio
100/100
Exceptional
2© Warren LeMay from Cincinnati, OH, United States · CC0
Cincinnati, OHMetro
Volume 48Mix 7.77% of portfolio
61/100
Strong
3© 归零者 · CC BY-SA 4.0
Columbus, OHMetro
Volume 45Mix 7.28% of portfolio
60/100
Sound
4© DelanoPatterson · CC0
HuntingtonMetro
Volume 25Mix 4.05% of portfolio
57/100
Sound
5© Nationwide Specialty Co., Arlington, Texas · Public domain
Bowling Green, KYMetro
Volume 19Mix 3.07% of portfolio
53/100
Sound
6© Ken Lund · CC BY-SA 2.0
Louisville/Jefferson County, KY, KY-INMetro
Volume 23Mix 3.72% of portfolio
52/100
Sound
7© w_lemay · CC BY-SA 2.0
Akron, OHMetro
Volume 11Mix 1.78% of portfolio
43/100
Sound

Top States by Place Specialization Score

West Virginia
West Virginia
1
West VirginiaState
Volume 147Mix 23.79% of portfolio
80/100
Strong
Ohio
Ohio
2
OhioState
Volume 337Mix 54.53% of portfolio
76/100
Strong
Kentucky
Kentucky
3
KentuckyState
Volume 110Mix 17.80% of portfolio
69/100
Strong
Virginia
Virginia
4
VirginiaState
Volume 10Mix 1.62% of portfolio
37/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.