PCSB Bank mortgage approval rate & lending review
PCSB Bank decided 276 mortgage applications and funded 192 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PCSB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PCSB Bank at a glance
Approval is 2.1 points below the 74.2% 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 | 86% | 70 / 81 | 99% | $405K | 69 |
| Home improvement loans | 59% | 69 / 117 | 97% | $165K | 67 |
| Refinance | 78% | 42 / 54 | 95% | $265K | 40 |
PCSB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 71% | $265K | 255 | 175 |
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.
Where PCSB Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Westchester County, NY | Home improvement loans | 57% | 70 | 40 |
| Westchester County, NY | Refinance | 79% | 43 | 32 |
| Dutchess County, NY | Home improvement loans | 70% | 27 | 18 |
The county markets where PCSB Bank made the most loans. Each link opens that market with every lender ranked.
Questions about PCSB Bank
What is PCSB Bank's mortgage approval rate?
PCSB Bank approved 72.1% of the 276 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.1 points below the 74.2% national rate for the same mix of loan types.
How often do borrowers take the loan PCSB Bank offers?
Borrowers accepted 96% of the loans PCSB Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does PCSB Bank make?
The typical home improvement loan loan PCSB Bank made was $165K; across all loan types its typical loan ran from $165K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PCSB Bank lend?
PCSB Bank decided applications in 4 of the states Fat Boy Data covers, most of them in New York, Connecticut and New Jersey.
Can I apply to PCSB Bank directly?
Yes. PCSB Bank is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PCSB 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 PCSB Bank treats applications, then get a rate quote from the lender.