# PCSB Bank

> **Canonical URL:** https://saferate.com/lenders/pcsb-bank

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

PCSB Bank is a bank, headquartered in Brewster, NY, serving borrowers across 4 states, with 37 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 7% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300TZDKJ07KL8T621
- **Headquarters:** Brewster, NY
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CT, MA, NJ, NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 93/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.152%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $566
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 37
- **Dollar Volume:** $16 million
- **Applications Received:** 54
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $430,405
- **Average Borrower Income:** $269,676

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 35 | -0.152% | $518 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 30 loans, Score: 20/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 32 | $15M | -0.186% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 34 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 26 | 59/100 |

## Frequently Asked Questions

### What loan types does PCSB Bank offer?

PCSB Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PCSB Bank offer mortgages?

PCSB Bank offers mortgages in 4 states: CT, MA, NJ, NY.

### How competitive are PCSB Bank's mortgage rates?

PCSB Bank has a pricing score of 93/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.152% below market average.

### What type of lender is PCSB Bank?

PCSB Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Brewster, NY.

### What is PCSB Bank's loan approval success rate?

PCSB Bank has a pull-through score of 35/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/pcsb-bank

### How to Cite

> "PCSB Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/pcsb-bank

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