Pioneer Bank
Pioneer Bank received 396 applications in 2025 and made 257 mortgages, in 13 counties across 1 state. The median rate its borrowers got was 5.990% on a median loan of $105,000. Of 362 decisions, 89 were denials — 24.6%, most often for credit history.
| Legal Entity Identifier | 549300256FCWXUM5FR50 |
|---|---|
| Applications received | 396 |
| Mortgages made | 257 |
| Denied | 89 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 478 |
| Median rate spread over the prime offer rate | -1.26 points |
| FDIC-insured bank | Yes: Pioneer Bank, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 25 | Not published | $285,000 | 16.1% |
| Refinancing | 54 | Not published | $150,000 | 17.9% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 177 | 5.990% | $85,000 | 27.4% |
Where Pioneer Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Albany County, NY | 85 | Not published | 26.5% |
| Rensselaer County, NY | 61 | Not published | 21.0% |
| Saratoga County, NY | 36 | Not published | 23.6% |
| Schenectady County, NY | 33 | 5.990% | 15.0% |
| Columbia County, NY | 14 | Not published | 22.2% |
| Greene County, NY | 11 | Not published | 31.3% |
| Warren County, NY | 7 | Under 10 loans | 10.0% |
| Washington County, NY | 4 | Under 10 loans | 33.3% |
| Fulton County, NY | 3 | Under 10 loans | 57.1% |
| Montgomery County, NY | 2 | Under 10 loans | 50.0% |
| Schoharie County, NY | 1 | Under 10 loans | 50.0% |
| Essex County, NY | 0 | Under 10 loans | 100.0% |
| Hamilton County, NY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.