I have worked for 4 different lenders, including National Banks, Mortgage Brokers and Correspondent Lenders, so let me tell you what attracted me to Peoples Bank:
Have you ever worked with a loan officer where you couldn't get any answers about the status of your loan? That was me with the previous lenders I worked for. The loans were shipped off for underwriting to Never Never Land, or somewhere near it. I had no control of the process and couldn't give my clients or agents any accurate status; I hated that. At Peoples Bank ,our processing/underwriting/documents/funding all take place right here in our office, so we are in control of the transaction. This means I can keep the commitments that I make to my clients, I can tell you what's happening with your loan, and we can get the transaction closed on time.
We also have the lowest fees of any lender I have worked for- so I am not embarassed when presenting a client with a Good Faith Estimate, and the clients are not surprised at the Closing table.
Our pay structure is such that (unlike any other lender I have worked for), I don't get paid more for giving the client a higher interest rate. Therefore, as I want to satisfy the client and have them refer people to me, I get them the best rate I can.
I also like that we can handle just about any project, because we have our own money (portfolio) to lend if the project doesn't fit the standard programs.
These things allow me to satisfy my clients, agents, and Builders and keep them coming back.