PCSB Bank
PCSB Bank received 176 applications in 2025 and made 112 mortgages, in 12 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $255,000. Of 156 decisions, 43 were denials — 27.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TZDKJ07KL8T621 |
|---|---|
| Applications received | 176 |
| Mortgages made | 112 |
| Denied | 43 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2 points |
| FDIC-insured bank | Yes: PCSB Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 33 | 6.500% | $515,000 | 8.1% |
| Refinancing | 23 | 7.500% | $205,000 | 25.8% |
| Other purposes | 56 | 7.500% | $205,000 | 36.4% |
Where PCSB Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Westchester County, NY | 60 | 7.500% | 21.8% |
| Putnam County, NY | 22 | 7.500% | 31.3% |
| Dutchess County, NY | 14 | 7.500% | 30.0% |
| Western Connecticut Planning Region, CT | 5 | Under 10 loans | 16.7% |
| Bergen County, NJ | 3 | Under 10 loans | 0.0% |
| Rockland County, NY | 2 | Under 10 loans | 66.7% |
| Greater Bridgeport Planning Region, CT | 1 | Under 10 loans | 50.0% |
| Dukes County, MA | 1 | Under 10 loans | 50.0% |
| Essex County, MA | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 0.0% |
| Bronx County, NY | 1 | Under 10 loans | 75.0% |
| Orange County, NY | 1 | Under 10 loans | 0.0% |
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When PCSB Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.