Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Presidential Bank, F.S.B. 2005 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 | 1,322 |
| Total Mortgage Loan Application Amount | $392,546,000 |
| Average Mortgage Loan Application Amount | $264,928 |
| Highest Mortgage Loan Application Amount | $1,462,000 |
| Average Applicant Income | $91,119 |
| Highest Applicant Income | $960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 278 | $ 84,256,000 | $ 303,000 | $ 113,000 |
| Howard County Maryland | 148 | $ 38,479,000 | $ 259,000 | $ 116,000 |
| Prince George's County Maryland | 110 | $ 26,149,000 | $ 237,000 | $ 82,000 |
| Anne Arundel County Maryland | 89 | $ 27,485,000 | $ 308,000 | $ 98,000 |
| District of Columbia County District Of Columbia | 69 | $ 20,814,000 | $ 301,000 | $ 112,000 |
| Baltimore County Maryland | 53 | $ 18,914,000 | $ 356,000 | $ 104,000 |
| Frederick County Maryland | 52 | $ 13,658,000 | $ 262,000 | $ 73,000 |
| Fairfax County Virginia | 51 | $ 17,071,000 | $ 334,000 | $ 111,000 |
| Baltimore City County Maryland | 37 | $ 11,078,000 | $ 299,000 | $ 112,000 |
| Calvert County Maryland | 36 | $ 18,187,000 | $ 505,000 | $ 116,000 |
| Carroll County Maryland | 34 | $ 13,127,000 | $ 386,000 | $ 105,000 |
| St. Mary's County Maryland | 34 | $ 13,527,000 | $ 397,000 | $ 97,000 |
| Prince William County Virginia | 24 | $ 7,116,000 | $ 296,000 | $ 91,000 |
| Arlington County Virginia | 20 | $ 3,062,000 | $ 153,000 | $ 125,000 |
| Charles County Maryland | 18 | $ 6,657,000 | $ 369,000 | $ 91,000 |
| Garrett County Maryland | 18 | $ 4,213,000 | $ 234,000 | $ 158,000 |
| Harford County Maryland | 15 | $ 4,878,000 | $ 325,000 | $ 94,000 |
| Worcester County Maryland | 13 | $ 5,592,000 | $ 430,000 | $ 134,000 |
| York County Pennsylvania | 12 | $ 2,905,000 | $ 242,000 | $ 87,000 |
| Loudoun County Virginia | 10 | $ 2,582,000 | $ 258,000 | $ 111,000 |
| Washington County Maryland | 9 | $ 2,408,000 | $ 267,000 | $ 55,000 |
| Clayton County Georgia | 7 | $ 709,000 | $ 101,000 | $ 99,000 |
| Spotsylvania County Virginia | 7 | $ 3,129,000 | $ 447,000 | $ 159,000 |
| Sussex County Delaware | 6 | $ 1,917,000 | $ 319,000 | $ 92,000 |
| Adams County Pennsylvania | 6 | $ 884,000 | $ 147,000 | $ 100,000 |
| Queen Anne's County Maryland | 5 | $ 1,315,000 | $ 263,000 | $ 81,000 |
| Alexandria County Virginia | 5 | $ 1,444,000 | $ 288,000 | $ 91,000 |
| Berkeley County West Virginia | 5 | $ 1,049,000 | $ 209,000 | $ 76,000 |
| Wicomico County Maryland | 4 | $ 1,279,000 | $ 319,000 | $ 82,000 |
| Wake County North Carolina | 4 | $ 674,000 | $ 168,000 | $ 64,000 |
| Jefferson County West Virginia | 4 | $ 1,007,000 | $ 251,000 | $ 106,000 |
| Pinellas County Florida | 3 | $ 518,000 | $ 172,000 | $ 78,000 |
| Kent County Maryland | 3 | $ 1,040,000 | $ 346,000 | $ 79,000 |
| Hillsborough County New Hampshire | 3 | $ 1,081,000 | $ 360,000 | $ 0 |
| Somerset County New Jersey | 3 | $ 842,000 | $ 280,000 | $ 92,000 |
| Dare County North Carolina | 3 | $ 573,000 | $ 191,000 | $ 173,000 |
| Guilford County North Carolina | 3 | $ 2,169,000 | $ 723,000 | $ 0 |
| Aiken County South Carolina | 3 | $ 201,000 | $ 67,000 | $ 57,000 |
| Beaufort County South Carolina | 3 | $ 919,000 | $ 306,000 | $ 197,000 |
| Chesterfield County Virginia | 3 | $ 572,000 | $ 190,000 | $ 126,000 |
| Fairfax City County Virginia | 3 | $ 1,052,000 | $ 350,000 | $ 103,000 |
| Frederick County Virginia | 3 | $ 859,000 | $ 286,000 | $ 210,000 |
| Louisa County Virginia | 3 | $ 484,000 | $ 161,000 | $ 104,000 |
| Hardy County West Virginia | 3 | $ 647,000 | $ 215,000 | $ 155,000 |
| Fairfield County Connecticut | 2 | $ 723,000 | $ 361,000 | $ 0 |
| Broward County Florida | 2 | $ 536,000 | $ 268,000 | $ 136,000 |
| Palm Beach County Florida | 2 | $ 771,000 | $ 385,000 | $ 63,000 |
| Cook County Illinois | 2 | $ 1,140,000 | $ 570,000 | $ 469,000 |
| Lake County Illinois | 2 | $ 519,000 | $ 259,000 | $ 100,000 |
| Marion County Indiana | 2 | $ 776,000 | $ 388,000 | $ 0 |
| Christian County Kentucky | 2 | $ 216,000 | $ 108,000 | $ 84,000 |
| Caroline County Maryland | 2 | $ 544,000 | $ 272,000 | $ 42,000 |
| Barnstable County Massachusetts | 2 | $ 320,000 | $ 160,000 | $ 83,000 |
| Camden County New Jersey | 2 | $ 370,000 | $ 185,000 | $ 63,000 |
| Cumberland County New Jersey | 2 | $ 158,000 | $ 79,000 | $ 61,000 |
| Cuyahoga County Ohio | 2 | $ 397,000 | $ 198,000 | $ 180,000 |
| Blair County Pennsylvania | 2 | $ 135,000 | $ 67,000 | $ 185,000 |
| Butler County Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 70,000 |
| Lancaster County Pennsylvania | 2 | $ 276,000 | $ 138,000 | $ 74,000 |
| Philadelphia County Pennsylvania | 2 | $ 385,000 | $ 192,000 | $ 160,000 |
| Horry County South Carolina | 2 | $ 115,000 | $ 57,000 | $ 45,000 |
| Caroline County Virginia | 2 | $ 581,000 | $ 290,000 | $ 81,000 |
| Northampton County Virginia | 2 | $ 324,000 | $ 162,000 | $ 178,000 |
| Stafford County Virginia | 2 | $ 699,000 | $ 349,000 | $ 108,000 |
| Westmoreland County Virginia | 2 | $ 805,000 | $ 402,000 | $ 102,000 |
| Maricopa County Arizona | 1 | $ 358,000 | $ 358,000 | $ 0 |
| Pima County Arizona | 1 | $ 160,000 | $ 160,000 | $ 114,000 |
| Los Angeles County California | 1 | $ 360,000 | $ 360,000 | $ 109,000 |
| El Paso County Colorado | 1 | $ 614,000 | $ 614,000 | $ 0 |
| Kent County Delaware | 1 | $ 331,000 | $ 331,000 | $ 201,000 |
| Collier County Florida | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Hernando County Florida | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Osceola County Florida | 1 | $ 182,000 | $ 182,000 | $ 240,000 |
| Sarasota County Florida | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| St. Johns County Florida | 1 | $ 276,000 | $ 276,000 | $ 94,000 |
| DeKalb County Georgia | 1 | $ 272,000 | $ 272,000 | $ 129,000 |
| Dorchester County Maryland | 1 | $ 198,000 | $ 198,000 | $ 64,000 |
| Talbot County Maryland | 1 | $ 1,150,000 | $ 1,150,000 | $ 324,000 |
| Middlesex County Massachusetts | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 359,000 | $ 359,000 | $ 53,000 |
| Leelanau County Michigan | 1 | $ 344,000 | $ 344,000 | $ 160,000 |
| Burlington County New Jersey | 1 | $ 206,000 | $ 206,000 | $ 79,000 |
| Mercer County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Middlesex County New Jersey | 1 | $ 563,000 | $ 563,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Rensselaer County New York | 1 | $ 329,000 | $ 329,000 | $ 0 |
| Brunswick County North Carolina | 1 | $ 444,000 | $ 444,000 | $ 325,000 |
| Ottawa County Ohio | 1 | $ 111,000 | $ 111,000 | $ 56,000 |
| Erie County Pennsylvania | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 128,000 | $ 128,000 | $ 65,000 |
| Montgomery County Pennsylvania | 1 | $ 244,000 | $ 244,000 | $ 130,000 |
| Westmoreland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Dorchester County South Carolina | 1 | $ 360,000 | $ 360,000 | $ 128,000 |
| Richland County South Carolina | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Bell County Texas | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Accomack County Virginia | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Clarke County Virginia | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Culpeper County Virginia | 1 | $ 307,000 | $ 307,000 | $ 100,000 |
| Fauquier County Virginia | 1 | $ 51,000 | $ 51,000 | $ 122,000 |
| Franklin City County Virginia | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Fredericksburg County Virginia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Gloucester County Virginia | 1 | $ 348,000 | $ 348,000 | $ 85,000 |
| Henrico County Virginia | 1 | $ 266,000 | $ 266,000 | $ 80,000 |
| Highland County Virginia | 1 | $ 152,000 | $ 152,000 | $ 29,000 |
| Manassas Park County Virginia | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| New Kent County Virginia | 1 | $ 200,000 | $ 200,000 | $ 77,000 |
| Northumberland County Virginia | 1 | $ 214,000 | $ 214,000 | $ 54,000 |
| Page County Virginia | 1 | $ 148,000 | $ 148,000 | $ 95,000 |
| Petersburg County Virginia | 1 | $ 116,000 | $ 116,000 | $ 242,000 |
| Rappahannock County Virginia | 1 | $ 395,000 | $ 395,000 | $ 71,000 |
| Richmond City County Virginia | 1 | $ 302,000 | $ 302,000 | $ 80,000 |
| Virginia Beach County Virginia | 1 | $ 568,000 | $ 568,000 | $ 210,000 |
| King County Washington | 1 | $ 420,000 | $ 420,000 | $ 174,000 |
| Spokane County Washington | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Thurston County Washington | 1 | $ 150,000 | $ 150,000 | $ 102,000 |
| Hampshire County West Virginia | 1 | $ 299,000 | $ 299,000 | $ 77,000 |
| Harrison County West Virginia | 1 | $ 352,000 | $ 352,000 | $ 360,000 |
| Preston County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2005
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 | 811 | $256,381,000 | $260,363 | $1,462,000 | $119,681 | $960,000 |
| Refinancing | 454 | $122,277,000 | $277,529 | $1,261,000 | $57,117 | $633,000 |
| Home Improvement | 57 | $13,888,000 | $227,000 | $650,000 | $74,333 | $362,000 |
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 | 948 | $275,355,000 | $238,722 | $1,462,000 | $106,444 | $960,000 |
| Black or African American | 171 | $51,992,000 | $257,800 | $991,000 | $104,400 | $633,000 |
| Not Provided | 109 | $35,057,000 | $275,200 | $1,279,000 | $130,200 | $397,000 |
| Asian | 40 | $11,660,000 | $290,250 | $900,000 | $183,000 | $322,000 |
| Hispanic | 29 | $6,464,000 | $203,666 | $440,000 | $97,666 | $480,000 |
| Not applicable | 20 | $9,971,000 | $483,181 | $1,261,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $1,273,000 | $424,000 | $793,000 | $93,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $774,000 | $387,000 | $500,000 | $123,000 | $132,000 |
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) | 1,270 | $381,656,000 | $283,480 | $1,462,000 | $92,400 | $960,000 |
| FHA-insured (Federal Housing Administration) | 41 | $8,325,000 | $169,400 | $318,000 | $44,600 | $184,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,565,000 | $231,000 | $352,000 | $72,250 | $100,000 |
| 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 | 1,259 | $377,139,000 | $287,173 | $1,462,000 | $95,000 | $960,000 |
| Application Withdrawn By Applicant | 56 | $13,489,000 | $192,600 | $1,000,000 | $57,300 | $372,000 |
| Application Denied By Financial Institution | 6 | $1,423,000 | $237,000 | $529,000 | $84,500 | $178,000 |
| File Closed For Incompleteness | 1 | $495,000 | $495,000 | $495,000 | $171,000 | $171,000 |
| Application Approved But Not Accepted | 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 | 2 | $308,000 | $154,000 | $222,000 | $112,000 | $178,000 |
| Debt-To-Income Ratio | 2 | $641,000 | $320,000 | $529,000 | $84,000 | $140,000 |
| Collateral | 2 | $474,000 | $237,000 | $293,000 | $71,000 | $98,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, F.S.B.'s 2005 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.