What loan types does Peoples State Bank offer?

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

Where does Peoples State Bank offer mortgages?

Peoples State Bank offers mortgages in 6 states: MI, MN, MO, NC, SC, WI.

How competitive are Peoples State Bank's mortgage rates?

Peoples State Bank has an overall pricing score of 88.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Peoples State Bank?

Peoples State Bank is a Bank headquartered in Wausau, WI.

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Peoples State Bank

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Peoples State Bank has 178 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

Sound

3/5

Conventional

Place

Strong

4/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 2.50 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Peoples State Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 2.5 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

175 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

136 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.02% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-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	Strong	Sound	Exceptional	Strong	175	98.3%	-0.030%Below	$461Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume175

Mix98.3%

Spread

-0.030%Below

Fees

$461Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	136	76.4%	-0.027%Below	$461Fees
Refinance	Strong	Sound	Exceptional	Strong	42	23.6%	-0.017%Below	$459Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume136

Mix76.4%

Spread

-0.027%Below

Fees

$461Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume42

Mix23.6%

Spread

-0.017%Below

Fees

$459Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

178

Applications

256

Volume

$49 million

Pricing & Closing

Avg Rate Spread

-0.025%

vs. market APOR

Avg Net Fees

$461

Origination − Credits

Pullthrough Rate

69.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$279,101

Avg Borrower Income

$153,152

Avg Property Value

$437,921

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

6Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest4

MIMNMOWI

South2

NCSC

Top Metro Areas by Place Specialization Score

Wausau, WIMetro

Volume 61Mix 34.27% of portfolio

75/100

Strong

Milwaukee, WIMetro

Volume 23Mix 12.92% of portfolio

54/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 169Mix 94.94% of portfolio

76/100

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.