Peoples Security Bank and Trust Company
Peoples Security Bank and Trust Company received 1,506 applications in 2025 and made 1,020 mortgages, in 69 counties across 6 states. The median rate its borrowers got was 1.990% on a median loan of $155,000. Of 1,319 decisions, 266 were denials — 20.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PJX0ZHPQ614C72 |
|---|---|
| Applications received | 1,506 |
| Mortgages made | 1,020 |
| Denied | 266 |
| Approved, not taken up | 33 |
| Withdrawn or incomplete | 187 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -5.2 points |
| FDIC-insured bank | Yes: Peoples Security Bank and Trust Company, 40 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 375 | 6.375% | $225,000 | 12.6% |
| Refinancing | 221 | 2.490% | $205,000 | 16.5% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Other purposes | 419 | 1.990% | $95,000 | 27.3% |
Where Peoples Security Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lackawanna County, PA | 265 | 5.950% | 18.2% |
| Luzerne County, PA | 141 | 4.750% | 22.9% |
| Northampton County, PA | 89 | 1.990% | 15.7% |
| Susquehanna County, PA | 68 | 1.990% | 22.6% |
| Lehigh County, PA | 66 | 5.563% | 16.1% |
| Wyoming County, PA | 53 | 1.990% | 10.0% |
| Bucks County, PA | 41 | 5.125% | 22.6% |
| Allegheny County, PA | 31 | 1.990% | 15.4% |
| Philadelphia County, PA | 31 | 6.257% | 8.8% |
| Montgomery County, PA | 23 | 1.990% | 17.2% |
| Monroe County, PA | 22 | 1.990% | 36.1% |
| Middlesex County, NJ | 18 | 1.990% | 32.3% |
| Wayne County, PA | 15 | 1.990% | 30.4% |
| Broome County, NY | 13 | 1.990% | 23.5% |
| Ocean County, NJ | 11 | 1.990% | 15.4% |
| Carbon County, PA | 11 | 1.990% | 14.3% |
| Bergen County, NJ | 9 | Under 10 loans | 25.0% |
| Monmouth County, NJ | 8 | Under 10 loans | 20.0% |
| Lebanon County, PA | 8 | Under 10 loans | 27.3% |
| Butler County, PA | 6 | Under 10 loans | 0.0% |
| Chester County, PA | 6 | Under 10 loans | 25.0% |
| Essex County, NJ | 5 | Under 10 loans | 0.0% |
| Beaver County, PA | 5 | Under 10 loans | 0.0% |
| Dauphin County, PA | 5 | Under 10 loans | 16.7% |
| Delaware County, PA | 5 | Under 10 loans | 37.5% |
| Hunterdon County, NJ | 4 | Under 10 loans | 33.3% |
| Berks County, PA | 4 | Under 10 loans | 20.0% |
| Schuylkill County, PA | 4 | Under 10 loans | 33.3% |
| Atlantic County, NJ | 3 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 3 | Under 10 loans | 0.0% |
| Mercer County, NJ | 3 | Under 10 loans | 0.0% |
| Morris County, NJ | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 3 | Under 10 loans | 50.0% |
| Union County, NJ | 3 | Under 10 loans | 33.3% |
| Pike County, PA | 3 | Under 10 loans | 0.0% |
| Hudson County, NJ | 2 | Under 10 loans | 33.3% |
| Columbia County, PA | 2 | Under 10 loans | 0.0% |
| Lancaster County, PA | 2 | Under 10 loans | 33.3% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 50.0% |
| Cumberland County, NJ | 1 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 66.7% |
| Sussex County, NJ | 1 | Under 10 loans | 0.0% |
| Warren County, NJ | 1 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.