Applications / Mortgage Analytics / Lenders / Pennsylvania / Peoples Security Bank and Trust Company
Dunmore, PA · State non-member bank · FDIC · $5.3 billion assets · 1,020 loans in 2025
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1,020
loans originated, 2025
1,506
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Security Bank and Trust Company grew its lending 29% in 2025, faster than most similar banks, and ranks 2 of 395 lenders in Scranton--Wilkes-Barre, PA.
It made 1,020 loans, up from 792, a rise of 29% against 10% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market; that is higher than about nine in ten of them. It merged with FNCB Bank in 2024, which may account for some of the rise. Its originations had fallen to 580 in 2023.
In Scranton--Wilkes-Barre, PA, where it has lent since before 1990, it ranks 2 of 395 with 4.7% of lending, up from 2.9%, behind Rocket Mortgage and ahead of Fidelity Deposit & Discount Bank. In Allentown-Bethlehem-Easton it ranks 5 of 521, with 2.7%, up from 0.5%.
20.8% of its loans went to low- and moderate-income (LMI) areas, against 14.6% at similar lenders, higher than more than four in five, and up from 11.2% five years before. 11.0% went to majority-minority areas, against 7.0%. Its share to LMI borrowers, 26.5%, was near the middle. The areas it reached after the merger may account for part of the change.
All its loans were conventional: purchase 36.8%, home improvement 33.2% and refinance 22.2%. Its typical rate of 1.99% is an introductory rate on home-equity lines, so it is not a rate to set against other lenders'.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Security Bank and Trust Company took 1,506 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.8% · Home improvement 33.2% · Refinance 22.2% · Other 7.8%
Conventional 100.0% · of 1,020 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 915 | 89.7% |
| New Jersey | 84 | 8.2% |
| New York | 16 | 1.6% |
| Florida | 3 | 0.3% |
| District of Columbia | 1 | 0.1% |
| Delaware | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Scranton--Wilkes-Barre | 459 |
| Allentown-Bethlehem-Easton | 167 |
| Montgomery County-Bucks County-Chester County | 70 |
| Pittsburgh | 44 |
| Lakewood-New Brunswick | 40 |
| Philadelphia | 36 |
| Newark | 16 |
| Binghamton | 13 |
| New York-Jersey City-White Plains | 12 |
| Lebanon | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PJX0ZHPQ614C72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 278818 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17702 | 1993–2009 |
| Respondent ID (the HMDA filer code before 2018) | 37514 | 2010–2017 |
Established 1 January 1905. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Peoples Security Bank and Trust Company's data.
Peoples Security Bank and Trust Company's data
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