Pcsb Bank Mortgage Rates, Fees & Info
Brewster, NYLEI: 549300TZDKJ07KL8T621
Tax ID: 14-0984880
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Pcsb Bank is a smaller bank specializing in Home Purchase and Cash Out Refi loans. Pcsb Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Bridgeport, Poughkeepsie, Miami, and New Haven among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Pcsb Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
156Origination Dollar Volume (All Markets)
$104,650,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 129 | $85,635,000 | $663,837 | $0 | 0.00% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $10,295,000 | $2,059,000 | $0 | 0.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 17 | $5,125,000 | $301,471 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 0.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $0 | 0.00% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $275,000 | $275,000 | $0 | 0.00% |
| Torrington, CT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against PCSB Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 30
Similarity Rank: 51
Similarity Rank: 124
Similarity Rank: 142
Similarity Rank: 143
Similarity Rank: 168
Similarity Rank: 201
Similarity Rank: 357
Similarity Rank: 364
Similarity Rank: 455
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 156 | $104,650,000 | $670,833 | $0 | 0.00% |
For 2022, Pcsb Bank's most frequently originated type of loan was Conventional, with 156 originations.
Loan Reason
For 2022, Pcsb Bank's most frequently cited loan purpose was Home Purchase, with 52 originations. The 2nd most popular reason was Cash Out Refi, with 45 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 156 | $104,650,000 | $670,833 | $0 | 0.00% |
For 2022, Pcsb Bank's most frequently cited loan duration was Other, with 156 originations.
Loan Sizing
2022 saw Pcsb Bank place emphasis on $200k-400k loans with 61 originations, totaling $17,475,000 in origination value.
Applicant Income
Pcsb Bank lent most frequently to those with incomes in the $250k+ range, with 40 originations. The second most popular income band? $150k-250k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 156 | $104,650,000 | $670,833 | $0 | 0.00% |
Pcsb Bank lent most frequently to those with DTI ratios of Exempt%, with 156 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.52%
Pcsb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination78.85%
Pcsb Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 156 | $104,650,000 | $670,833 |