Pcsb Bank Mortgage Lending & HMDA Data, 2025
In 2025, Pcsb Bank of Yorktown Heights, NY reported 176 mortgage applications totaling $62.3 million, down 19% from 2024. The average application was for $353,920, and applicants reported an average income of $223,943. 64% of its applications resulted in an originated loan and 24% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (141), Kiryas Joel-Poughkeepsie-Newburgh, NY (23) and Bridgeport-Stamford-Norwalk, CT (9) (applications in parentheses).
| Mortgage Company & Address | Pcsb Bank 2651 Strang Blvd., Suite 100, P.O. Box 712 Yorktown Heights, NY 10598 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 176 |
| Total Mortgage Loan Application Amount | $62,290,000 |
| Average Mortgage Loan Application Amount | $353,920 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $223,943 |
| Highest Applicant Income | $1,944,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pcsb Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Pcsb Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 76 | $18,490,000 | $243,000 | $1,255,000 | $206,000 | $1,944,000 |
| Home Purchase | 44 | $23,410,000 | $532,000 | $1,345,000 | $216,000 | $449,000 |
| Refinancing | 34 | $10,180,000 | $299,000 | $955,000 | $196,000 | $593,000 |
| Other Purpose | 22 | $10,210,000 | $464,000 | $3,005,000 | $345,000 | $1,636,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 137 | $48,155,000 | $351,000 | $3,005,000 | $226,000 | $1,636,000 |
| Hispanic | 16 | $5,620,000 | $351,000 | $955,000 | $143,000 | $404,000 |
| Not Provided | 9 | $2,915,000 | $323,000 | $1,005,000 | $431,000 | $1,944,000 |
| Black or African American | 6 | $2,050,000 | $341,000 | $795,000 | $162,000 | $329,000 |
| Asian | 4 | $1,180,000 | $295,000 | $365,000 | $176,000 | $234,000 |
| Not applicable | 3 | $2,015,000 | $671,000 | $1,205,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $355,000 | $355,000 | $355,000 | $279,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 176 | $62,290,000 | $353,000 | $3,005,000 | $225,000 | $1,944,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 112 | $41,000,000 | $366,000 | $3,005,000 | $240,000 | $1,636,000 |
| Application Denied By Financial Institution | 43 | $14,545,000 | $338,000 | $3,005,000 | $220,000 | $1,944,000 |
| Application Withdrawn By Applicant | 10 | $3,480,000 | $348,000 | $1,205,000 | $172,000 | $340,000 |
| File Closed For Incompleteness | 10 | $2,810,000 | $281,000 | $565,000 | $152,000 | $308,000 |
| Application Approved But Not Accepted | 1 | $455,000 | $455,000 | $455,000 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 133 | $47,745,000 | $358,000 | $3,005,000 | $227,000 | $1,636,000 |
| Debt-To-Income Ratio | 18 | $5,720,000 | $317,000 | $1,175,000 | $98,000 | $191,000 |
| Credit History | 9 | $1,225,000 | $136,000 | $355,000 | $316,000 | $1,944,000 |
| Collateral | 7 | $1,865,000 | $266,000 | $605,000 | $213,000 | $362,000 |
| Other | 5 | $3,815,000 | $763,000 | $3,005,000 | $453,000 | $1,400,000 |
| Credit Application Incomplete | 2 | $860,000 | $430,000 | $505,000 | $159,000 | $318,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $229,000 | $229,000 |
| Mortgage Insurance Denied | 1 | $955,000 | $955,000 | $955,000 | $300,000 | $300,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pcsb Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pcsb Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
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