PCSB Bank in New York vs the state
25.2%Denial rate+5.41 pts vs state
28.4%Decision denial rate+4.33 pts vs state
62.9%Origination rate+3.30 pts vs state
7.50%Median rate+0.88 pts vs state
0.20Rate spread (pts)-0.01 pts vs state
$174kMedian applicant income
100Loans originated
40Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 83 | 25.4% | 6.99% | #229 |
| 2024 | 206 | 111 | 24.8% | 8.00% | #199 |
| 2025 | 159 | 100 | 25.2% | 7.50% | #228 |
What PCSB Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most PCSB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 85 | 60 | 17 | 20.0% |
| Putnam County | 39 | 22 | 10 | 25.6% |
| Dutchess County | 21 | 14 | 6 | 28.6% |
| Rockland County | 8 | 2 | 4 | 50.0% |
| Bronx County | 4 | 1 | 3 | 75.0% |
| Orange County | 2 | 1 | 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: 159 applications in 2025, of which 100 were originated and 40 denied.
25.2% of all applications, or 28.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans PCSB Bank originated in New York in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are PCSB Bank'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