Peoples Security Bank and Trust in New York vs the state
21.4%Denial rate+1.68 pts vs state
27.3%Decision denial rate+3.23 pts vs state
57.1%Origination rate-2.45 pts vs state
1.99%Median rate-4.64 pts vs state
-5.20Rate spread (pts)-5.41 pts vs state
$84kMedian applicant income
16Loans originated
6Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 12 | 29.2% | 3.68% | #379 |
| 2024 | 23 | 18 | 13.0% | 1.99% | #375 |
| 2025 | 28 | 16 | 21.4% | 1.99% | #391 |
What Peoples Security Bank and Trust lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Peoples Security Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broome County | 21 | 13 | 4 | 19.0% |
| Orange County | 2 | 1 | 1 | 50.0% |
| Kings County | 1 | 0 | 1 | 100.0% |
| Delaware County | 1 | 0 | 0 | 0.0% |
| Onondaga County | 1 | 1 | 0 | 0.0% |
| Chautauqua County | 1 | 1 | 0 | 0.0% |
| New York County | 1 | 0 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 28 applications in 2025, of which 16 were originated and 6 denied.
21.4% of all applications, or 27.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Peoples Security Bank and Trust originated in New York in 2025 was 1.99%, against a statewide median of 6.63%.
About this data. Figures are Peoples Security Bank and Trust's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology