# Peoples Security Bank and Trust Company

> **Canonical URL:** https://saferate.com/lenders/peoples-security-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Peoples Security Bank and Trust Company is a bank, headquartered in Hallstead, PA, serving borrowers across 4 states, with 141 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300PJX0ZHPQ614C72
- **Headquarters:** Hallstead, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, NJ, NY, PA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.946%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $929
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 141
- **Dollar Volume:** $37 million
- **Applications Received:** 196
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,000
- **Average Borrower Income:** $129,759
- **Average Property Value:** $357,057

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 48/100 | 140 | -0.965% | $882 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 115 loans, Score: 47/100 (Sound)
- Refinance: 25 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 116 | $33M | -1.041% | Sound ☺️ |
| Refinance | 43/100 | 25 | $4M | -0.585% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 126 | 0.10% | 72/100 |
| NJ | 10 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Scranton | PA | 58 | 75/100 |
| Non |  | 31 | 41/100 |
| Montgomery County | PA | 15 | 50/100 |
| Allentown | PA-NJ | 10 | 45/100 |

## Where This Lender Ranks

Peoples Security Bank and Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Scranton Banks
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks)
- 🏆 **#10** in Scranton
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders)
- 🏆 **#12** in Scranton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Peoples Security Bank and Trust Company offer?

Peoples Security Bank and Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Peoples Security Bank and Trust Company offer mortgages?

Peoples Security Bank and Trust Company offers mortgages in 4 states: DE, NJ, NY, PA.

### How competitive are Peoples Security Bank and Trust Company's mortgage rates?

Peoples Security Bank and Trust Company has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.946% below market average.

### What type of lender is Peoples Security Bank and Trust Company?

Peoples Security Bank and Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Hallstead, PA.

### What is Peoples Security Bank and Trust Company's loan approval success rate?

Peoples Security Bank and Trust Company has a pull-through score of 49/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/peoples-security-bank-and-trust

### How to Cite

> "Peoples Security Bank and Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/peoples-security-bank-and-trust

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