PeoplesBank has 243 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
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Summary
What They Do Well
- Offers rates 10.10 basis points below market average
- Lower than average lender fees
- Strong pull through performance
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Report Card
PeoplesBank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 10.1 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
226 loans · 0.09% below market
Strong
Top 40% of lenders
4/5
Jumbo
17 loans · 0.32% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
213 loans · 0.15% below market
Sound
Top 60% of lenders
3/5
Refinance
30 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 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 | 226 | 93.0% | -0.085%Below | $688Fees | ||||
Jumbo Loans | — | 17 | 7.0% | -0.317%Below | $971Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume226
Mix93.0%
Spread
-0.085%Below
Fees
$688Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume17
Mix7.0%
Spread
-0.317%Below
Fees
$971Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 213 | 87.7% | -0.146%Below | $737Fees | ||||
Refinance | 30 | 12.3% | +0.268%Above | $470Fees |
Purchase
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume213
Mix87.7%
Spread
-0.146%Below
Fees
$737Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume30
Mix12.3%
Spread
+0.268%Above
Fees
$470Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
243
Applications
307
Volume
$93 million
Pricing & Closing
Avg Rate Spread
-0.101%
vs. market APOR
Avg Net Fees
$708
Origination − Credits
Pullthrough Rate
79.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$383,765
Avg Borrower Income
$175,938
Avg Property Value
$500,967
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
6
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
6Full-year 2024 · HMDALoans originated
< 5050+None
Northeast6
CTMEMANHRIVT
Top Metro Areas by Place Specialization Score
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.