PS Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
54th8.9% deniedProcesswithdrawn + incomplete share, weight 15%
16th21.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 327 | 213 | 14.4% | 17.5% | — | $37M |
| 2024 | 318 | 244 | 9.4% | 10.8% | — | $43M |
| 2025 | 316 | 221 | 7.0% | 8.9% | — | $48M |
What PS Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 17 manufactured homes, 68 investment properties.
Who gets approved at PS Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 21 | 22.2% |
| $50k – $100k | 89 | 55 | 14.9% |
| $100k – $150k | 66 | 47 | 2.0% |
| $150k – $250k | 55 | 39 | 7.1% |
| Over $250k | 29 | 23 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 67 | 42 | 8.7% |
| 35–44 | 66 | 49 | 7.1% |
| 45–54 | 57 | 41 | 8.9% |
| 55–64 | 44 | 32 | 8.3% |
| 65–74 | 23 | 13 | 12.5% |
Where PS Bank lends
3 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 302 | 211 | 7.3% | — | #222 |
| New York | 13 | 9 | 0.0% | — | #444 |
Frequently asked questions
PS Bank denied 8.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 16% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.