What loan types does Peoples National Bank offer?

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

Where does Peoples National Bank offer mortgages?

Peoples National Bank offers mortgages in 5 states: AR, AZ, IL, MO, OH.

How competitive are Peoples National Bank's mortgage rates?

Peoples National Bank has an overall pricing score of 71.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Peoples National Bank?

Peoples National Bank is a Bank headquartered in Mount Vernon, IL.

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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

298 loans · 0.27% above market

Sound

Top 60% of lenders

3/5

USDA

20 loans · 0.41% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

280 loans · 0.28% above market

Sound

Top 60% of lenders

3/5

Refinance

44 loans · 0.30% above 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	Sound	Strong	Acceptable	298	92.0%	+0.272%Above	$795Fees
USDA Loans	Strong	Strong	—	Strong	20	6.2%	+0.412%Above	$1,261Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Acceptable	280	86.4%	+0.283%Above	$859Fees
Refinance	Sound	Acceptable	Strong	Sound	44	13.6%	+0.298%Above	$593Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

5Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest3

ILMOOH

South1

West1

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 42Mix 12.96% of portfolio

60/100

Strong

Top States by Place Specialization Score

IllinoisState

Volume 283Mix 87.35% of portfolio

78/100

Strong

MissouriState

Volume 38Mix 11.73% of portfolio

54/100

Sound

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.

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.