Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Presidential Bank, F.S.B. 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Presidential Bank, F.S.B. 4600 East-West Highway, Suite 400 Bethesda, MD 20814 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,764 |
| Total Mortgage Loan Application Amount | $568,210,000 |
| Average Mortgage Loan Application Amount | $272,096 |
| Highest Mortgage Loan Application Amount | $5,400,000 |
| Average Applicant Income | $67,384 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Presidential Bank, F.S.B.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Presidential Bank, F.S.B.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Presidential Bank, F.S.B.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Presidential Bank, F.S.B. serves its applicants.
Each category highlights the total number of mortgage applications processed by Presidential Bank, F.S.B., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Presidential Bank, F.S.B.'s mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Maryland | 775 | $ 168,929,000 | $ 217,000 | $ 73,000 |
| Fairfax County Virginia | 206 | $ 48,723,000 | $ 236,000 | $ 80,000 |
| Prince George's County Maryland | 189 | $ 34,990,000 | $ 185,000 | $ 61,000 |
| District of Columbia County District Of Columbia | 140 | $ 32,361,000 | $ 231,000 | $ 62,000 |
| Anne Arundel County Maryland | 108 | $ 21,903,000 | $ 202,000 | $ 72,000 |
| Frederick County Maryland | 103 | $ 19,106,000 | $ 185,000 | $ 75,000 |
| Howard County Maryland | 96 | $ 22,803,000 | $ 237,000 | $ 91,000 |
| Maricopa County Arizona | 94 | $ 10,703,000 | $ 113,000 | $ 9,000 |
| Baltimore County Maryland | 87 | $ 18,265,000 | $ 209,000 | $ 66,000 |
| Arlington County Virginia | 54 | $ 9,114,000 | $ 168,000 | $ 137,000 |
| Loudoun County Virginia | 54 | $ 12,410,000 | $ 229,000 | $ 94,000 |
| Calvert County Maryland | 52 | $ 16,393,000 | $ 315,000 | $ 80,000 |
| Carroll County Maryland | 47 | $ 8,924,000 | $ 189,000 | $ 64,000 |
| Prince William County Virginia | 45 | $ 8,500,000 | $ 188,000 | $ 43,000 |
| Franklin County Ohio | 42 | $ 5,783,000 | $ 137,000 | $ 5,000 |
| Baltimore City County Maryland | 39 | $ 13,487,000 | $ 345,000 | $ 52,000 |
| Clark County Nevada | 32 | $ 4,004,000 | $ 125,000 | $ 22,000 |
| Alexandria County Virginia | 29 | $ 5,276,000 | $ 181,000 | $ 58,000 |
| St. Mary's County Maryland | 28 | $ 7,738,000 | $ 276,000 | $ 70,000 |
| Cook County Illinois | 26 | $ 3,486,000 | $ 134,000 | $ 6,000 |
| Pinal County Arizona | 23 | $ 2,710,000 | $ 117,000 | $ 12,000 |
| Charles County Maryland | 22 | $ 4,551,000 | $ 206,000 | $ 64,000 |
| Harford County Maryland | 21 | $ 3,814,000 | $ 181,000 | $ 60,000 |
| Pima County Arizona | 20 | $ 2,159,000 | $ 107,000 | $ 0 |
| Worcester County Maryland | 13 | $ 1,965,000 | $ 151,000 | $ 87,000 |
| Hamilton County Ohio | 13 | $ 1,548,000 | $ 119,000 | $ 0 |
| Washoe County Nevada | 11 | $ 1,501,000 | $ 136,000 | $ 0 |
| Spotsylvania County Virginia | 11 | $ 1,653,000 | $ 150,000 | $ 28,000 |
| Sussex County Delaware | 8 | $ 1,487,000 | $ 185,000 | $ 157,000 |
| Lake County Ohio | 8 | $ 959,000 | $ 119,000 | $ 0 |
| Montgomery County Pennsylvania | 8 | $ 913,000 | $ 114,000 | $ 0 |
| Stafford County Virginia | 8 | $ 2,165,000 | $ 270,000 | $ 95,000 |
| Garrett County Maryland | 7 | $ 1,108,000 | $ 158,000 | $ 118,000 |
| Allegheny County Pennsylvania | 7 | $ 769,000 | $ 109,000 | $ 0 |
| York County Pennsylvania | 7 | $ 1,435,000 | $ 205,000 | $ 75,000 |
| Chesterfield County Virginia | 7 | $ 767,000 | $ 109,000 | $ 0 |
| Kane County Illinois | 6 | $ 831,000 | $ 138,000 | $ 0 |
| Lake County Illinois | 6 | $ 935,000 | $ 155,000 | $ 26,000 |
| Will County Illinois | 6 | $ 695,000 | $ 115,000 | $ 0 |
| Cecil County Maryland | 6 | $ 906,000 | $ 151,000 | $ 53,000 |
| Queen Anne's County Maryland | 6 | $ 1,754,000 | $ 292,000 | $ 104,000 |
| Washington County Maryland | 6 | $ 943,000 | $ 157,000 | $ 51,000 |
| Montgomery County Ohio | 6 | $ 838,000 | $ 139,000 | $ 0 |
| Fairfax City County Virginia | 6 | $ 1,280,000 | $ 213,000 | $ 62,000 |
| Fauquier County Virginia | 6 | $ 1,237,000 | $ 206,000 | $ 76,000 |
| Manassas County Virginia | 6 | $ 1,036,000 | $ 172,000 | $ 88,000 |
| DuPage County Illinois | 5 | $ 677,000 | $ 135,000 | $ 10,000 |
| Chester County Pennsylvania | 5 | $ 500,000 | $ 100,000 | $ 0 |
| Philadelphia County Pennsylvania | 5 | $ 556,000 | $ 111,000 | $ 21,000 |
| Culpeper County Virginia | 5 | $ 1,051,000 | $ 210,000 | $ 40,000 |
| Falls Church County Virginia | 5 | $ 1,953,000 | $ 390,000 | $ 132,000 |
| Richmond City County Virginia | 5 | $ 562,000 | $ 112,000 | $ 78,000 |
| New Castle County Delaware | 4 | $ 347,000 | $ 86,000 | $ 62,000 |
| Winnebago County Illinois | 4 | $ 373,000 | $ 93,000 | $ 0 |
| Dorchester County Maryland | 4 | $ 793,000 | $ 198,000 | $ 67,000 |
| Hillsborough County New Hampshire | 4 | $ 1,831,000 | $ 457,000 | $ 0 |
| Cape May County New Jersey | 4 | $ 1,362,000 | $ 340,000 | $ 156,000 |
| Bucks County Pennsylvania | 4 | $ 567,000 | $ 141,000 | $ 59,000 |
| Delaware County Pennsylvania | 4 | $ 452,000 | $ 113,000 | $ 0 |
| Lancaster County Pennsylvania | 4 | $ 343,000 | $ 85,000 | $ 14,000 |
| Albemarle County Virginia | 4 | $ 903,000 | $ 225,000 | $ 81,000 |
| New Haven County Connecticut | 3 | $ 2,111,000 | $ 703,000 | $ 0 |
| Kendall County Illinois | 3 | $ 388,000 | $ 129,000 | $ 0 |
| Essex County New Jersey | 3 | $ 601,000 | $ 200,000 | $ 137,000 |
| Monmouth County New Jersey | 3 | $ 326,000 | $ 108,000 | $ 83,000 |
| Cuyahoga County Ohio | 3 | $ 442,000 | $ 147,000 | $ 98,000 |
| Greene County Ohio | 3 | $ 370,000 | $ 123,000 | $ 0 |
| Clarke County Virginia | 3 | $ 550,000 | $ 183,000 | $ 123,000 |
| Hanover County Virginia | 3 | $ 395,000 | $ 131,000 | $ 0 |
| Manassas Park County Virginia | 3 | $ 701,000 | $ 233,000 | $ 84,000 |
| Jefferson County West Virginia | 3 | $ 394,000 | $ 131,000 | $ 68,000 |
| Coconino County Arizona | 2 | $ 286,000 | $ 143,000 | $ 110,000 |
| Madison County Illinois | 2 | $ 244,000 | $ 122,000 | $ 0 |
| Allegany County Maryland | 2 | $ 392,000 | $ 196,000 | $ 170,000 |
| Wicomico County Maryland | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Kent County Michigan | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 566,000 | $ 283,000 | $ 128,000 |
| Morris County New Jersey | 2 | $ 505,000 | $ 252,000 | $ 61,000 |
| Somerset County New Jersey | 2 | $ 711,000 | $ 355,000 | $ 80,000 |
| Wake County North Carolina | 2 | $ 295,000 | $ 147,000 | $ 128,000 |
| Adams County Pennsylvania | 2 | $ 376,000 | $ 188,000 | $ 40,000 |
| Dauphin County Pennsylvania | 2 | $ 219,000 | $ 109,000 | $ 0 |
| Northampton County Pennsylvania | 2 | $ 216,000 | $ 108,000 | $ 0 |
| Gloucester County Virginia | 2 | $ 235,000 | $ 117,000 | $ 56,000 |
| Henrico County Virginia | 2 | $ 196,000 | $ 98,000 | $ 0 |
| Louisa County Virginia | 2 | $ 300,000 | $ 150,000 | $ 108,000 |
| Thurston County Washington | 2 | $ 284,000 | $ 142,000 | $ 27,000 |
| Gila County Arizona | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Kern County California | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Riverside County California | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Boulder County Colorado | 1 | $ 207,000 | $ 207,000 | $ 110,000 |
| Park County Colorado | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 672,000 | $ 672,000 | $ 0 |
| Kent County Delaware | 1 | $ 131,000 | $ 131,000 | $ 36,000 |
| Brevard County Florida | 1 | $ 198,000 | $ 198,000 | $ 76,000 |
| Lee County Florida | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Palm Beach County Florida | 1 | $ 450,000 | $ 450,000 | $ 312,000 |
| Santa Rosa County Florida | 1 | $ 181,000 | $ 181,000 | $ 91,000 |
| Volusia County Florida | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Champaign County Illinois | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Coles County Illinois | 1 | $ 91,000 | $ 91,000 | $ 0 |
| LaSalle County Illinois | 1 | $ 119,000 | $ 119,000 | $ 0 |
| McHenry County Illinois | 1 | $ 183,000 | $ 183,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Boyle County Kentucky | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Caroline County Maryland | 1 | $ 244,000 | $ 244,000 | $ 93,000 |
| Talbot County Maryland | 1 | $ 151,000 | $ 151,000 | $ 50,000 |
| Livingston County Michigan | 1 | $ 158,000 | $ 158,000 | $ 59,000 |
| Oakland County Michigan | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Camden County New Jersey | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Hudson County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 128,000 |
| Union County New Jersey | 1 | $ 267,000 | $ 267,000 | $ 204,000 |
| Warren County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Kings County New York | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Cleveland County North Carolina | 1 | $ 342,000 | $ 342,000 | $ 0 |
| Dare County North Carolina | 1 | $ 248,000 | $ 248,000 | $ 140,000 |
| Durham County North Carolina | 1 | $ 146,000 | $ 146,000 | $ 48,000 |
| Watauga County North Carolina | 1 | $ 249,000 | $ 249,000 | $ 145,000 |
| Butler County Ohio | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Clark County Ohio | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Richland County Ohio | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Lane County Oregon | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
| Multnomah County Oregon | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Washington County Oregon | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Beaver County Pennsylvania | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Bedford County Pennsylvania | 1 | $ 192,000 | $ 192,000 | $ 420,000 |
| Berks County Pennsylvania | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Cumberland County Pennsylvania | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Lebanon County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 86,000 |
| Horry County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 208,000 |
| Lexington County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 102,000 |
| Richland County South Carolina | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Bedford County Virginia | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Chesapeake County Virginia | 1 | $ 190,000 | $ 190,000 | $ 65,000 |
| Fredericksburg County Virginia | 1 | $ 252,000 | $ 252,000 | $ 308,000 |
| James City County Virginia | 1 | $ 164,000 | $ 164,000 | $ 56,000 |
| Madison County Virginia | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Norfolk County Virginia | 1 | $ 180,000 | $ 180,000 | $ 119,000 |
| Orange County Virginia | 1 | $ 296,000 | $ 296,000 | $ 58,000 |
| Powhatan County Virginia | 1 | $ 289,000 | $ 289,000 | $ 78,000 |
| Suffolk County Virginia | 1 | $ 182,000 | $ 182,000 | $ 112,000 |
| Virginia Beach County Virginia | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Warren County Virginia | 1 | $ 248,000 | $ 248,000 | $ 142,000 |
| York County Virginia | 1 | $ 190,000 | $ 190,000 | $ 81,000 |
| Snohomish County Washington | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Berkeley County West Virginia | 1 | $ 59,000 | $ 59,000 | $ 141,000 |
| Preston County West Virginia | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,881 | $351,787,000 | $182,045 | $5,400,000 | $43,954 | $1,047,000 |
| Home Purchase (one-to-four family) | 597 | $117,565,000 | $219,214 | $2,500,000 | $122,785 | $420,000 |
| Home Improvement (one-to-four family) | 262 | $84,753,000 | $282,857 | $1,150,000 | $116,857 | $1,200,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 24 | $14,105,000 | $566,111 | $1,850,000 | $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 | 1,879 | $379,242,000 | $158,714 | $1,150,000 | $69,857 | $1,200,000 |
| Information not provided by applicant in mail or telephone application | 329 | $69,873,000 | $249,428 | $975,000 | $61,000 | $528,000 |
| Black | 294 | $47,525,000 | $135,727 | $460,000 | $27,454 | $345,000 |
| Asian or Pacific Islander | 98 | $22,186,000 | $176,900 | $900,000 | $66,700 | $312,000 |
| Hispanic | 91 | $15,213,000 | $157,875 | $459,000 | $38,375 | $218,000 |
| Other | 32 | $6,547,000 | $152,500 | $709,000 | $31,000 | $397,000 |
| Not applicable | 29 | $26,060,000 | $704,571 | $5,400,000 | $0 | $0 |
| American Indian or Alaskan Native | 12 | $1,564,000 | $117,000 | $226,000 | $9,714 | $59,000 |
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) | 2,077 | $480,673,000 | $256,130 | $5,400,000 | $88,695 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 658 | $82,157,000 | $120,142 | $274,000 | $7,357 | $345,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,380,000 | $168,750 | $249,000 | $12,500 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,557 | $527,563,000 | $228,458 | $2,500,000 | $52,500 | $1,200,000 |
| Application Withdrawn By Applicant | 179 | $30,406,000 | $191,363 | $850,000 | $58,727 | $420,000 |
| Application Denied By Financial Institution | 18 | $8,479,000 | $322,400 | $5,400,000 | $44,600 | $150,000 |
| Application Approved But Not Accepted | 7 | $1,166,000 | $167,500 | $323,000 | $44,000 | $122,000 |
| File Closed For Incompleteness | 3 | $596,000 | $198,000 | $220,000 | $95,000 | $135,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $6,196,000 | $559,666 | $5,400,000 | $17,000 | $53,000 |
| Debt-To-Income Ratio | 6 | $928,000 | $188,333 | $300,000 | $57,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $745,000 | $372,000 | $678,000 | $18,000 | $36,000 |
| Unverifiable Information | 1 | $532,000 | $532,000 | $532,000 | $150,000 | $150,000 |
| Collateral | 1 | $78,000 | $78,000 | $78,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, F.S.B.'s 2003 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 Presidential Bank, F.S.B.'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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.