Peoples Security Bank and Trust Company mortgage approval rate & lending review
Peoples Security Bank and Trust Company decided 2,068 mortgage applications and funded 1,609 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Peoples Security Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Peoples Security Bank and Trust Company at a glance
Approval is 5.6 points above the 74.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 83% | 402 / 483 | 97% | $205K | 390 |
| Home improvement loans | 74% | 589 / 796 | 98% | $65K | 579 |
| Refinance | 79% | 285 / 361 | 98% | $175K | 278 |
| Investment property purchase | 92% | 216 / 234 | 98% | $155K | 211 |
| Investment refinance | 88% | 94 / 107 | 100% | $155K | 94 |
| Investment home improvement | 70% | 54 / 77 | 93% | $115K | 50 |
Peoples Security Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 80% | $155K | 1,849 | 1,448 |
| New Jersey | 74% | $165K | 164 | 118 |
| New York | 76% | $165K | 50 | 38 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Peoples Security Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lackawanna County, PA | Home improvement loans | 73% | 256 | 183 |
| Lackawanna County, PA | Mortgage lenders | 86% | 118 | 101 |
| Lackawanna County, PA | Investment property purchase | 95% | 105 | 98 |
| Luzerne County, PA | Home improvement loans | 73% | 128 | 93 |
| Lackawanna County, PA | Refinance | 78% | 101 | 75 |
| Luzerne County, PA | Mortgage lenders | 81% | 74 | 58 |
| Lehigh County, PA | Home improvement loans | 81% | 62 | 50 |
| Northampton County, PA | Home improvement loans | 75% | 65 | 49 |
| Northampton County, PA | Mortgage lenders | 84% | 51 | 39 |
| Northampton County, PA | Refinance | 90% | 41 | 37 |
| Lehigh County, PA | Mortgage lenders | 86% | 44 | 36 |
| Luzerne County, PA | Refinance | 67% | 49 | 33 |
The county markets where Peoples Security Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Peoples Security Bank and Trust Company
What is Peoples Security Bank and Trust Company's mortgage approval rate?
Peoples Security Bank and Trust Company approved 79.7% of the 2,068 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 74.1% national rate for the same mix of loan types.
How often do borrowers take the loan Peoples Security Bank and Trust Company offers?
Borrowers accepted 98% of the loans Peoples Security Bank and Trust Company approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Peoples Security Bank and Trust Company make?
The typical home improvement loan loan Peoples Security Bank and Trust Company made was $65K; across all loan types its typical loan ran from $65K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Peoples Security Bank and Trust Company lend?
Peoples Security Bank and Trust Company decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and New York.
Can I apply to Peoples Security Bank and Trust Company directly?
Yes. Peoples Security Bank and Trust Company is a bank or credit union with 40 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Peoples Security Bank and Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Peoples Security Bank and Trust Company treats applications, then get a rate quote from the lender.