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 score and performance metrics.

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 an overall pricing score of 88.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

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

Peoples Security Bank and Trust Company is a Bank headquartered in Hallstead, PA.

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Peoples Security Bank and Trust Company

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Peoples Security Bank and Trust Company has 141 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 3 mkts

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 94.60 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Peoples Security Bank and Trust Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 94.6 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	140	99.3%	-0.965%Below	$882Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume140

Mix99.3%

Spread

-0.965%Below

Fees

$882Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	116	82.3%	-1.041%Below	$992Fees
Refinance	Sound	Sound	Strong	Sound	25	17.7%	-0.585%Below	$690Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume116

Mix82.3%

Spread

-1.041%Below

Fees

$992Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume25

Mix17.7%

Spread

-0.585%Below

Fees

$690Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

141

Applications

196

Volume

$37 million

Pricing & Closing

Avg Rate Spread

-0.946%

vs. market APOR

Avg Net Fees

$929

Origination − Credits

Pullthrough Rate

71.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$265,000

Avg Borrower Income

$129,759

Avg Property Value

$357,057

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast3

NJNYPA

South1

Top Metro Areas by Place Specialization Score

Scranton, PAMetro

Volume 58Mix 41.13% of portfolio

75/100

Strong

Montgomery County, PAMetro

Volume 15Mix 10.64% of portfolio

50/100

Sound

Allentown, PA-NJMetro

Volume 10Mix 7.09% of portfolio

45/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 126Mix 89.36% of portfolio

72/100

Strong

New JerseyState

Volume 10Mix 7.09% of portfolio

42/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.