PCB Bank mortgage approval rate & lending review
PCB Bank decided 336 mortgage applications and funded 299 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PCB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PCB Bank at a glance
Approval is 14.4 points above the 85.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 203 / 203 | 92% | $575K | 186 |
| Investment property purchase | 100% | 74 / 74 | 88% | $515K | 65 |
PCB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 99% | $575K | 326 | 289 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about PCB Bank
What is PCB Bank's mortgage approval rate?
PCB Bank approved 99.4% of the 336 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan PCB Bank offers?
Borrowers accepted 90% of the loans PCB Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does PCB Bank make?
The typical home purchase mortgage loan PCB Bank made was $575K; across all loan types its typical loan ran from $515K to $575K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PCB Bank lend?
PCB Bank decided applications in 5 of the states Fat Boy Data covers, most of them in California, Texas and New Jersey.
Can I apply to PCB Bank directly?
Yes. PCB Bank is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PCB Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how PCB Bank treats applications, then get a rate quote from the lender.