PS Bank mortgage approval rate & lending review
PS Bank decided 304 mortgage applications and funded 276 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions PS Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
PS Bank at a glance
Approval is 11.5 points above the 82.2% 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 | 94% | 165 / 176 | 98% | $235K | 161 |
| Home improvement loans | 84% | 31 / 37 | 97% | $55K | 30 |
| Investment property purchase | 100% | 50 / 50 | 94% | $135K | 47 |
PS Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 93% | $235K | 290 | 264 |
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 PS Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lackawanna County, PA | Mortgage lenders | 96% | 135 | 127 |
| Lackawanna County, PA | Investment property purchase | 100% | 31 | 29 |
| Lackawanna County, PA | Home improvement loans | 82% | 33 | 26 |
| Luzerne County, PA | Mortgage lenders | 96% | 26 | 24 |
The county markets where PS Bank made the most loans. Each link opens that market with every lender ranked.
Questions about PS Bank
What is PS Bank's mortgage approval rate?
PS Bank approved 93.8% of the 304 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.5 points above the 82.2% national rate for the same mix of loan types.
How often do borrowers take the loan PS Bank offers?
Borrowers accepted 97% of the loans PS 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 PS Bank make?
The typical home purchase mortgage loan PS Bank made was $235K; across all loan types its typical loan ran from $55K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does PS Bank lend?
PS Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Pennsylvania, Florida and New Jersey.
Can I apply to PS Bank directly?
Yes. PS Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show PS 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 PS Bank treats applications, then get a rate quote from the lender.