What loan types does Peoples Exchange Bank offer?

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

Where does Peoples Exchange Bank offer mortgages?

Peoples Exchange Bank offers mortgages in 2 states: KY, OH.

How competitive are Peoples Exchange Bank's mortgage rates?

Peoples Exchange Bank has an overall pricing score of 89/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Peoples Exchange Bank?

Peoples Exchange Bank is a Bank headquartered in Winchester, KY.

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Peoples Exchange Bank

Bank•Winchester, KYHQ•Direct•Reviews near you on Google

Peoples Exchange Bank has 169 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

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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 Exchange Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+3.3 bps above market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

114 loans · 0.06% above market

Sound

Top 60% of lenders

3/5

FHA

39 loans · 0.07% above market

Strong

Top 40% of lenders

4/5

10 loans · 0.43% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

142 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

Refinance

27 loans · 0.05% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 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	Sound	Exceptional	Sound	114	67.5%	+0.056%Above	$843Fees
FHA Loans	Strong	Strong	Exceptional	Strong	39	23.1%	+0.066%Above	$416Fees
VA Loans	Sound	Sound	—	—	10	5.9%	-0.427%Below	$573Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume114

Mix67.5%

Spread

+0.056%Above

Fees

$843Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume39

Mix23.1%

Spread

+0.066%Above

Fees

$416Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix5.9%

Spread

-0.427%Below

Fees

$573Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	142	84.0%	+0.050%Above	$728Fees
Refinance	Sound	Sound	Exceptional	Sound	27	16.0%	-0.050%Below	$743Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume142

Mix84.0%

Spread

+0.050%Above

Fees

$728Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume27

Mix16.0%

Spread

-0.050%Below

Fees

$743Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

169

Applications

251

Volume

$41 million

Pricing & Closing

Avg Rate Spread

+0.033%

vs. market APOR

Avg Net Fees

$731

Origination − Credits

Pullthrough Rate

67.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$244,527

Avg Borrower Income

$114,331

Avg Property Value

$315,178

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

Midwest1

South1

Top Metro Areas by Place Specialization Score

Lexington, KYMetro

Volume 99Mix 58.58% of portfolio

84/100

Exceptional

Cincinnati, OHMetro

Volume 17Mix 10.06% of portfolio

51/100

Sound

Top States by Place Specialization Score

KentuckyState

Volume 165Mix 97.63% of portfolio

78/100

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.