Peoples First Savings Bank Mortgage Rates, Fees & Info
Mason, OHLEI: 5493004KSSKCAP8VUU37
Tax ID: 31-0404830
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Mortgage Data
Review & Overview
Peoples First Savings Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Peoples First Savings Bank has a high proportion of conventional loans. Their top two markets are Cincinnati and Dayton .Peoples First Savings Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
129Origination Dollar Volume (All Markets)
$28,695,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 126 | $28,330,000 | $224,841 | $0 | 0.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $95,000 | $95,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 129 | $28,695,000 | $222,442 | $0 | 0.00% |
For 2022, Peoples First Savings Bank's most frequently originated type of loan was Conventional, with 129 originations.
Loan Reason
For 2022, Peoples First Savings Bank's most frequently cited loan purpose was Home Purchase, with 61 originations. The 2nd most popular reason was Cash Out Refi, with 50 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 129 | $28,695,000 | $222,442 | $0 | 0.00% |
For 2022, Peoples First Savings Bank's most frequently cited loan duration was Other, with 129 originations.
Loan Sizing
2022 saw Peoples First Savings Bank place emphasis on $100k-200k loans with 51 originations, totaling $7,255,000 in origination value.
Applicant Income
Peoples First Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 16 originations. The second most popular income band? $150k-250k, with 13 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 129 | $28,695,000 | $222,442 | $0 | 0.00% |
Peoples First Savings Bank lent most frequently to those with DTI ratios of Exempt%, with 129 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.92%
Peoples First Savings Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination90.70%
Peoples First Savings Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 129 | $28,695,000 | $222,442 |