Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Presidential Bank, F.S.B. 2004 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 | 1,562 |
| Total Mortgage Loan Application Amount | $396,428,000 |
| Average Mortgage Loan Application Amount | $388,072 |
| Highest Mortgage Loan Application Amount | $2,666,000 |
| Average Applicant Income | $60,636 |
| Highest Applicant Income | $1,394,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 396 | $ 94,384,000 | $ 238,000 | $ 83,000 |
| Prince George's County Maryland | 140 | $ 26,755,000 | $ 191,000 | $ 70,000 |
| Howard County Maryland | 123 | $ 27,581,000 | $ 224,000 | $ 103,000 |
| Fairfax County Virginia | 88 | $ 22,525,000 | $ 255,000 | $ 96,000 |
| District of Columbia County District Of Columbia | 80 | $ 21,970,000 | $ 274,000 | $ 61,000 |
| Anne Arundel County Maryland | 79 | $ 20,943,000 | $ 265,000 | $ 103,000 |
| Frederick County Maryland | 65 | $ 14,034,000 | $ 215,000 | $ 79,000 |
| Baltimore County Maryland | 62 | $ 20,043,000 | $ 323,000 | $ 89,000 |
| Calvert County Maryland | 58 | $ 21,221,000 | $ 365,000 | $ 111,000 |
| Arlington County Virginia | 35 | $ 5,916,000 | $ 169,000 | $ 91,000 |
| Baltimore City County Maryland | 27 | $ 4,436,000 | $ 164,000 | $ 90,000 |
| Carroll County Maryland | 25 | $ 7,114,000 | $ 284,000 | $ 96,000 |
| Prince William County Virginia | 22 | $ 5,674,000 | $ 257,000 | $ 99,000 |
| St. Mary's County Maryland | 21 | $ 7,126,000 | $ 339,000 | $ 89,000 |
| Loudoun County Virginia | 18 | $ 5,979,000 | $ 332,000 | $ 113,000 |
| Charles County Maryland | 14 | $ 3,610,000 | $ 257,000 | $ 101,000 |
| Garrett County Maryland | 12 | $ 2,358,000 | $ 196,000 | $ 94,000 |
| Washington County Maryland | 10 | $ 1,208,000 | $ 120,000 | $ 74,000 |
| York County Pennsylvania | 9 | $ 2,452,000 | $ 272,000 | $ 84,000 |
| Alexandria County Virginia | 8 | $ 1,469,000 | $ 183,000 | $ 93,000 |
| Fauquier County Virginia | 8 | $ 2,905,000 | $ 363,000 | $ 106,000 |
| Spotsylvania County Virginia | 8 | $ 1,594,000 | $ 199,000 | $ 116,000 |
| Harford County Maryland | 7 | $ 1,887,000 | $ 269,000 | $ 106,000 |
| Stafford County Virginia | 7 | $ 1,159,000 | $ 165,000 | $ 117,000 |
| Palm Beach County Florida | 6 | $ 1,551,000 | $ 258,000 | $ 40,000 |
| Fairfax City County Virginia | 5 | $ 1,591,000 | $ 318,000 | $ 100,000 |
| New Haven County Connecticut | 4 | $ 1,855,000 | $ 463,000 | $ 28,000 |
| Kent County Delaware | 4 | $ 336,000 | $ 84,000 | $ 28,000 |
| James City County Virginia | 4 | $ 1,022,000 | $ 255,000 | $ 73,000 |
| Sussex County Delaware | 3 | $ 2,006,000 | $ 668,000 | $ 297,000 |
| Lake County Illinois | 3 | $ 669,000 | $ 223,000 | $ 59,000 |
| Caroline County Maryland | 3 | $ 406,000 | $ 135,000 | $ 69,000 |
| Dorchester County Maryland | 3 | $ 264,000 | $ 88,000 | $ 143,000 |
| Queen Anne's County Maryland | 3 | $ 1,462,000 | $ 487,000 | $ 143,000 |
| Talbot County Maryland | 3 | $ 1,420,000 | $ 473,000 | $ 213,000 |
| Worcester County Maryland | 3 | $ 566,000 | $ 188,000 | $ 161,000 |
| New Hanover County North Carolina | 3 | $ 657,000 | $ 219,000 | $ 259,000 |
| Wake County North Carolina | 3 | $ 468,000 | $ 156,000 | $ 67,000 |
| Lancaster County Pennsylvania | 3 | $ 420,000 | $ 140,000 | $ 52,000 |
| Chesterfield County Virginia | 3 | $ 441,000 | $ 147,000 | $ 73,000 |
| Virginia Beach County Virginia | 3 | $ 686,000 | $ 228,000 | $ 79,000 |
| Whatcom County Washington | 3 | $ 642,000 | $ 214,000 | $ 92,000 |
| Berkeley County West Virginia | 3 | $ 762,000 | $ 254,000 | $ 49,000 |
| Hartford County Connecticut | 2 | $ 1,821,000 | $ 910,000 | $ 27,000 |
| Brevard County Florida | 2 | $ 292,000 | $ 146,000 | $ 66,000 |
| Citrus County Florida | 2 | $ 170,000 | $ 85,000 | $ 94,000 |
| St. Johns County Florida | 2 | $ 702,000 | $ 351,000 | $ 211,000 |
| Saline County Kansas | 2 | $ 2,000,000 | $ 1,000,000 | $ 0 |
| McCracken County Kentucky | 2 | $ 276,000 | $ 138,000 | $ 180,000 |
| Allegany County Maryland | 2 | $ 256,000 | $ 128,000 | $ 32,000 |
| Grafton County New Hampshire | 2 | $ 387,000 | $ 193,000 | $ 152,000 |
| Union County New Jersey | 2 | $ 628,000 | $ 314,000 | $ 156,000 |
| Kings County New York | 2 | $ 1,975,000 | $ 987,000 | $ 0 |
| Brunswick County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 119,000 |
| Catawba County North Carolina | 2 | $ 203,000 | $ 101,000 | $ 52,000 |
| Guilford County North Carolina | 2 | $ 2,350,000 | $ 1,175,000 | $ 0 |
| Washington County Oregon | 2 | $ 204,000 | $ 102,000 | $ 85,000 |
| Bucks County Pennsylvania | 2 | $ 224,000 | $ 112,000 | $ 48,000 |
| Beaufort County South Carolina | 2 | $ 627,000 | $ 313,000 | $ 0 |
| Horry County South Carolina | 2 | $ 304,000 | $ 152,000 | $ 51,000 |
| Potter County Texas | 2 | $ 1,550,000 | $ 775,000 | $ 0 |
| Albemarle County Virginia | 2 | $ 410,000 | $ 205,000 | $ 59,000 |
| Gloucester County Virginia | 2 | $ 607,000 | $ 303,000 | $ 91,000 |
| Hanover County Virginia | 2 | $ 495,000 | $ 247,000 | $ 110,000 |
| Louisa County Virginia | 2 | $ 228,000 | $ 114,000 | $ 91,000 |
| Orange County Virginia | 2 | $ 285,000 | $ 142,000 | $ 84,000 |
| Rappahannock County Virginia | 2 | $ 657,000 | $ 328,000 | $ 50,000 |
| York County Virginia | 2 | $ 321,000 | $ 160,000 | $ 127,000 |
| Jefferson County West Virginia | 2 | $ 421,000 | $ 210,000 | $ 54,000 |
| Madison County Alabama | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Maricopa County Arizona | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Elbert County Colorado | 1 | $ 522,000 | $ 522,000 | $ 165,000 |
| New London County Connecticut | 1 | $ 132,000 | $ 132,000 | $ 192,000 |
| Duval County Florida | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Escambia County Florida | 1 | $ 150,000 | $ 150,000 | $ 130,000 |
| Hillsborough County Florida | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Indian River County Florida | 1 | $ 150,000 | $ 150,000 | $ 276,000 |
| Lee County Florida | 1 | $ 167,000 | $ 167,000 | $ 79,000 |
| Miami-Dade County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Pinellas County Florida | 1 | $ 166,000 | $ 166,000 | $ 148,000 |
| Sarasota County Florida | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Cobb County Georgia | 1 | $ 297,000 | $ 297,000 | $ 201,000 |
| Fulton County Georgia | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Cook County Illinois | 1 | $ 148,000 | $ 148,000 | $ 35,000 |
| DeKalb County Illinois | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Kane County Illinois | 1 | $ 211,000 | $ 211,000 | $ 64,000 |
| Madison County Illinois | 1 | $ 108,000 | $ 108,000 | $ 60,000 |
| Rush County Indiana | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Wicomico County Maryland | 1 | $ 132,000 | $ 132,000 | $ 29,000 |
| Kent County Michigan | 1 | $ 171,000 | $ 171,000 | $ 80,000 |
| St. Louis County Missouri | 1 | $ 254,000 | $ 254,000 | $ 94,000 |
| Hillsborough County New Hampshire | 1 | $ 2,666,000 | $ 2,666,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 223,000 | $ 223,000 | $ 47,000 |
| Cape May County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 183,000 |
| Essex County New Jersey | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Gloucester County New Jersey | 1 | $ 182,000 | $ 182,000 | $ 83,000 |
| Hudson County New Jersey | 1 | $ 184,000 | $ 184,000 | $ 93,000 |
| Mercer County New Jersey | 1 | $ 130,000 | $ 130,000 | $ 125,000 |
| Middlesex County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Monmouth County New Jersey | 1 | $ 194,000 | $ 194,000 | $ 87,000 |
| Warren County New Jersey | 1 | $ 191,000 | $ 191,000 | $ 77,000 |
| Beaufort County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 205,000 |
| Durham County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Hoke County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Mecklenburg County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 68,000 |
| Onslow County North Carolina | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Wilson County North Carolina | 1 | $ 144,000 | $ 144,000 | $ 58,000 |
| Franklin County Ohio | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lake County Ohio | 1 | $ 190,000 | $ 190,000 | $ 58,000 |
| Washington County Ohio | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Deschutes County Oregon | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Adams County Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 57,000 |
| Allegheny County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 49,000 |
| Cambria County Pennsylvania | 1 | $ 179,000 | $ 179,000 | $ 72,000 |
| Franklin County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 68,000 |
| Luzerne County Pennsylvania | 1 | $ 143,000 | $ 143,000 | $ 44,000 |
| Montgomery County Pennsylvania | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Northampton County Pennsylvania | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Philadelphia County Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 0 |
| Sullivan County Tennessee | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Bexar County Texas | 1 | $ 980,000 | $ 980,000 | $ 0 |
| Accomack County Virginia | 1 | $ 123,000 | $ 123,000 | $ 41,000 |
| Clarke County Virginia | 1 | $ 137,000 | $ 137,000 | $ 209,000 |
| Culpeper County Virginia | 1 | $ 188,000 | $ 188,000 | $ 100,000 |
| Essex County Virginia | 1 | $ 141,000 | $ 141,000 | $ 104,000 |
| Falls Church County Virginia | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Fluvanna County Virginia | 1 | $ 172,000 | $ 172,000 | $ 57,000 |
| Franklin City County Virginia | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Frederick County Virginia | 1 | $ 165,000 | $ 165,000 | $ 109,000 |
| Goochland County Virginia | 1 | $ 300,000 | $ 300,000 | $ 27,000 |
| King George County Virginia | 1 | $ 353,000 | $ 353,000 | $ 133,000 |
| Manassas County Virginia | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Nelson County Virginia | 1 | $ 250,000 | $ 250,000 | $ 227,000 |
| New Kent County Virginia | 1 | $ 220,000 | $ 220,000 | $ 89,000 |
| Powhatan County Virginia | 1 | $ 173,000 | $ 173,000 | $ 86,000 |
| Westmoreland County Virginia | 1 | $ 190,000 | $ 190,000 | $ 54,000 |
| Spokane County Washington | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
| Hardy County West Virginia | 1 | $ 72,000 | $ 72,000 | $ 150,000 |
| Preston County West Virginia | 1 | $ 128,000 | $ 128,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2004
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 Purchase | 908 | $249,000,000 | $510,272 | $2,666,000 | $76,272 | $1,394,000 |
| Refinancing | 570 | $132,107,000 | $347,041 | $1,350,000 | $49,666 | $725,000 |
| Home Improvement | 84 | $15,321,000 | $198,777 | $630,000 | $51,666 | $305,000 |
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 | 1,061 | $263,920,000 | $205,100 | $1,500,000 | $88,200 | $1,394,000 |
| Not Provided | 173 | $46,117,000 | $484,470 | $2,666,000 | $99,058 | $741,000 |
| Black or African American | 173 | $39,842,000 | $184,333 | $975,000 | $62,833 | $344,000 |
| Asian | 77 | $18,615,000 | $185,400 | $673,000 | $78,800 | $340,000 |
| Hispanic | 47 | $9,293,000 | $159,600 | $488,000 | $72,200 | $188,000 |
| Not applicable | 24 | $17,083,000 | $750,272 | $1,725,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $766,000 | $150,000 | $277,000 | $83,500 | $141,000 |
| American Indian or Alaskan Native | 2 | $792,000 | $396,000 | $400,000 | $77,500 | $102,000 |
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) | 1,480 | $382,492,000 | $423,629 | $2,666,000 | $70,185 | $1,394,000 |
| FHA-insured (Federal Housing Administration) | 63 | $10,102,000 | $132,250 | $295,000 | $17,375 | $125,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,834,000 | $128,750 | $345,000 | $13,750 | $102,000 |
| 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 | 1,487 | $380,223,000 | $352,074 | $2,666,000 | $69,222 | $1,394,000 |
| Application Withdrawn By Applicant | 59 | $11,589,000 | $153,166 | $650,000 | $87,833 | $204,000 |
| Application Denied By Financial Institution | 11 | $2,359,000 | $270,833 | $800,000 | $27,666 | $128,000 |
| Application Approved But Not Accepted | 5 | $2,257,000 | $665,000 | $1,725,000 | $6,000 | $56,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 4 | $1,081,000 | $335,000 | $800,000 | $55,000 | $128,000 |
| Debt-To-Income Ratio | 4 | $910,000 | $223,000 | $345,000 | $43,666 | $72,000 |
| Collateral | 2 | $220,000 | $110,000 | $175,000 | $0 | $0 |
| Other | 1 | $148,000 | $148,000 | $148,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, F.S.B.'s 2004 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.