Applications / Mortgage Analytics / Lenders / New York / PCSB Bank
Brewster, NY · State member bank · FRS · $2.1 billion assets · 112 loans in 2025
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112
loans originated, 2025
176
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PCSB Bank, a Brewster, New York lender reporting since at least 1990, makes more home-improvement loans than purchase loans, and its loans are larger than most similar lenders'.
Home-improvement loans made up 39.3% of its 2025 lending, ahead of purchases at 29.5% and refinancing at 20.5%. Its loans were still large. The typical one was $255,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), and 6.2% were jumbo (larger than the conforming limit), against 1.4%.
It made 112 loans, down 6% while similar lenders grew 8%. Its count has slipped from 147 in 2020 and 173 in 2021, with a low of 91 in 2023.
Only 1.8% of its loans went to low- and moderate-income (LMI) neighborhoods, among the lowest of similar lenders, whose typical figure is 16.6%. Its LMI borrower share, 10.6%, is also low. Large loans and a home-improvement focus may draw better-off owners, and the counties it serves may hold few such neighborhoods. Yet 11.6% of its loans went to majority-minority neighborhoods, more than twice the 5.2% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PCSB Bank took 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.3% · Purchase 29.5% · Refinance 20.5% · Other 10.7%
Conventional 100.0% · of 112 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 100 | 89.3% |
| Connecticut | 6 | 5.4% |
| New Jersey | 4 | 3.6% |
| Massachusetts | 2 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 89 |
| Kiryas Joel-Poughkeepsie-Newburgh | 15 |
| Bridgeport-Stamford-Danbury | 6 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TZDKJ07KL8T621 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 24006 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315995 | 1990–2017 |
Established 1 January 1871. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PCSB Bank's data.
PCSB Bank's data
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PCSB Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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