Purchase Originations
173
Median Total Costs
$4,232
−36.6% vs national ($6,680)
↑ $328 vs prior year
Median Rate
5.950%
−8.3% vs national (6.490%)
↑ 0.950% vs prior year
Median Origination
$419
Median Lender Credits
$24
Denial Rate
12.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 173 | 5.950% | $4,232 | $419 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 165 | 5.950% | $4,218 | #119 |
| New Jersey | 5 | 6.500% | $4,421 | — |
| New York | 3 | 5.950% | $3,796 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,183 | 5.000% | — | 3 | −$1,049 | |
| 2 | $3,255 | 6.375% | — | 11 | −$977 | |
| 3 | $3,316 | 5.625% | — | 3 | −$916 | |
| 4 | $3,574 | 5.375% | — | 1 | −$658 | |
| 5 | $3,672 | 5.688% | — | 40 | −$560 | |
| 6 | $3,709 | 5.625% | — | 2 | −$523 | |
| 7 | $3,796 | 5.950% | — | 3 | −$436 | |
| 8 | $3,876 | 5.062% | — | 12 | −$356 | |
| 9 | $3,939 | 5.938% | — | 6 | −$293 | |
| 10 | $4,009 | 5.375% | — | 3 | −$223 | |
| 11 | $4,226 | 6.750% | — | 3 | −$6 | |
| 12 | $4,421 | 5.000% | — | 1 | +$189 | |
| 13 | $4,442 | 6.375% | — | 15 | +$210 | |
| 14 | $4,453 | 5.725% | — | 4 | +$221 | |
| 15 | $4,588 | 6.125% | — | 2 | +$356 | |
| 16 | $4,826 | 6.875% | — | 3 | +$594 | |
| 17 | $4,918 | 5.375% | — | 24 | +$686 | |
| 18 | $4,930 | 5.000% | — | 1 | +$698 | |
| 19 | $4,959 | 6.550% | — | 1 | +$727 | |
| 20 | $5,980 | 6.438% | — | 28 | +$1,748 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Peoples Security Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $4,232 | $7,127 | −$2,895 (−40.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.