Peoples Security Bank and Trust in New Jersey vs the state
21.8%Denial rate+4.11 pts vs state
24.6%Decision denial rate+1.53 pts vs state
63.2%Origination rate+7.48 pts vs state
1.99%Median rate-4.76 pts vs state
-5.20Rate spread (pts)-5.48 pts vs state
$178kMedian applicant income
84Loans originated
29Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 28 | 15.0% | 5.50% | #363 |
| 2024 | 57 | 31 | 29.8% | 1.99% | #328 |
| 2025 | 133 | 84 | 21.8% | 1.99% | #239 |
What Peoples Security Bank and Trust lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Peoples Security Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 33 | 18 | 10 | 30.3% |
| Bergen County | 15 | 9 | 3 | 20.0% |
| Ocean County | 14 | 11 | 2 | 14.3% |
| Monmouth County | 10 | 8 | 2 | 20.0% |
| Hunterdon County | 7 | 4 | 2 | 28.6% |
| Somerset County | 7 | 3 | 3 | 42.9% |
| Union County | 7 | 3 | 2 | 28.6% |
| Burlington County | 5 | 3 | 0 | 0.0% |
| Morris County | 5 | 3 | 0 | 0.0% |
| Essex County | 5 | 5 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 133 applications in 2025, of which 84 were originated and 29 denied.
21.8% of all applications, or 24.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Peoples Security Bank and Trust originated in New Jersey in 2025 was 1.99%, against a statewide median of 6.75%.
About this data. Figures are Peoples Security Bank and Trust's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology