Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Presidential Bank, F.S.B. 2006 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 | 977 |
| Total Mortgage Loan Application Amount | $320,070,000 |
| Average Mortgage Loan Application Amount | $322,000 |
| Highest Mortgage Loan Application Amount | $4,200,000 |
| Average Applicant Income | $119,000 |
| Highest Applicant Income | $7,870,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 174 | $ 60,594,000 | $ 348,000 | $ 142,000 |
| Howard County Maryland | 82 | $ 23,971,000 | $ 292,000 | $ 120,000 |
| Wake County North Carolina | 64 | $ 9,287,000 | $ 145,000 | $ 137,000 |
| Prince George's County Maryland | 57 | $ 17,419,000 | $ 305,000 | $ 118,000 |
| District of Columbia County District Of Columbia | 55 | $ 21,383,000 | $ 388,000 | $ 97,000 |
| Baltimore County Maryland | 55 | $ 23,869,000 | $ 433,000 | $ 130,000 |
| Baltimore City County Maryland | 51 | $ 17,322,000 | $ 339,000 | $ 100,000 |
| Anne Arundel County Maryland | 50 | $ 15,808,000 | $ 316,000 | $ 105,000 |
| St. Mary's County Maryland | 36 | $ 11,899,000 | $ 330,000 | $ 102,000 |
| Fairfax County Virginia | 30 | $ 10,280,000 | $ 342,000 | $ 114,000 |
| Harford County Maryland | 27 | $ 13,507,000 | $ 500,000 | $ 121,000 |
| Carroll County Maryland | 26 | $ 8,534,000 | $ 328,000 | $ 104,000 |
| Frederick County Maryland | 22 | $ 7,171,000 | $ 325,000 | $ 107,000 |
| Calvert County Maryland | 20 | $ 8,174,000 | $ 408,000 | $ 164,000 |
| Arlington County Virginia | 15 | $ 2,883,000 | $ 192,000 | $ 590,000 |
| York County Pennsylvania | 14 | $ 3,182,000 | $ 227,000 | $ 65,000 |
| Washington County Maryland | 13 | $ 2,508,000 | $ 192,000 | $ 96,000 |
| Charles County Maryland | 12 | $ 3,731,000 | $ 310,000 | $ 104,000 |
| Sussex County Delaware | 9 | $ 2,399,000 | $ 266,000 | $ 129,000 |
| Garrett County Maryland | 9 | $ 1,943,000 | $ 215,000 | $ 94,000 |
| Prince William County Virginia | 9 | $ 3,933,000 | $ 437,000 | $ 117,000 |
| Queen Anne's County Maryland | 8 | $ 2,296,000 | $ 287,000 | $ 109,000 |
| Loudoun County Virginia | 7 | $ 2,134,000 | $ 304,000 | $ 122,000 |
| Spotsylvania County Virginia | 6 | $ 2,241,000 | $ 373,000 | $ 131,000 |
| Worcester County Maryland | 5 | $ 965,000 | $ 193,000 | $ 159,000 |
| Cecil County Maryland | 4 | $ 1,595,000 | $ 398,000 | $ 108,000 |
| Wicomico County Maryland | 4 | $ 448,000 | $ 112,000 | $ 49,000 |
| Adams County Pennsylvania | 4 | $ 1,603,000 | $ 400,000 | $ 136,000 |
| Franklin County Pennsylvania | 4 | $ 894,000 | $ 223,000 | $ 80,000 |
| Clayton County Georgia | 3 | $ 294,000 | $ 98,000 | $ 73,000 |
| Dorchester County Maryland | 3 | $ 966,000 | $ 322,000 | $ 64,000 |
| Bucks County Pennsylvania | 3 | $ 631,000 | $ 210,000 | $ 76,000 |
| Montgomery County Pennsylvania | 3 | $ 1,267,000 | $ 422,000 | $ 129,000 |
| Accomack County Virginia | 3 | $ 774,000 | $ 258,000 | $ 136,000 |
| Nelson County Virginia | 3 | $ 480,000 | $ 160,000 | $ 182,000 |
| New London County Connecticut | 2 | $ 252,000 | $ 126,000 | $ 81,000 |
| Broward County Florida | 2 | $ 319,000 | $ 159,000 | $ 85,000 |
| Lee County Florida | 2 | $ 756,000 | $ 378,000 | $ 259,000 |
| Madison County Indiana | 2 | $ 1,896,000 | $ 948,000 | $ 0 |
| Allegany County Maryland | 2 | $ 105,000 | $ 52,000 | $ 46,000 |
| Hudson County New Jersey | 2 | $ 608,000 | $ 304,000 | $ 188,000 |
| Onondaga County New York | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Lancaster County Pennsylvania | 2 | $ 788,000 | $ 394,000 | $ 108,000 |
| Alexandria County Virginia | 2 | $ 502,000 | $ 251,000 | $ 79,000 |
| Caroline County Virginia | 2 | $ 749,000 | $ 374,000 | $ 140,000 |
| Gloucester County Virginia | 2 | $ 305,000 | $ 152,000 | $ 57,000 |
| King George County Virginia | 2 | $ 1,140,000 | $ 570,000 | $ 224,000 |
| Louisa County Virginia | 2 | $ 538,000 | $ 269,000 | $ 99,000 |
| Berkeley County West Virginia | 2 | $ 409,000 | $ 204,000 | $ 70,000 |
| Hampshire County West Virginia | 2 | $ 356,000 | $ 178,000 | $ 72,000 |
| Maricopa County Arizona | 1 | $ 212,000 | $ 212,000 | $ 215,000 |
| Hartford County Connecticut | 1 | $ 82,000 | $ 82,000 | $ 23,000 |
| Middlesex County Connecticut | 1 | $ 275,000 | $ 275,000 | $ 0 |
| New Castle County Delaware | 1 | $ 224,000 | $ 224,000 | $ 198,000 |
| Charlotte County Florida | 1 | $ 226,000 | $ 226,000 | $ 70,000 |
| Monroe County Florida | 1 | $ 224,000 | $ 224,000 | $ 0 |
| Polk County Florida | 1 | $ 195,000 | $ 195,000 | $ 69,000 |
| Sarasota County Florida | 1 | $ 256,000 | $ 256,000 | $ 120,000 |
| Marion County Indiana | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Kennebec County Maine | 1 | $ 418,000 | $ 418,000 | $ 0 |
| Kent County Maryland | 1 | $ 255,000 | $ 255,000 | $ 97,000 |
| Somerset County Maryland | 1 | $ 178,000 | $ 178,000 | $ 141,000 |
| Talbot County Maryland | 1 | $ 567,000 | $ 567,000 | $ 98,000 |
| Hampshire County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 337,000 |
| Middlesex County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Burlington County New Jersey | 1 | $ 252,000 | $ 252,000 | $ 52,000 |
| Guilford County North Carolina | 1 | $ 248,000 | $ 248,000 | $ 91,000 |
| Lee County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 42,000 |
| Mecklenburg County North Carolina | 1 | $ 220,000 | $ 220,000 | $ 100,000 |
| Surry County North Carolina | 1 | $ 396,000 | $ 396,000 | $ 103,000 |
| Lake County Ohio | 1 | $ 228,000 | $ 228,000 | $ 84,000 |
| Scioto County Ohio | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Comanche County Oklahoma | 1 | $ 4,200,000 | $ 4,200,000 | $ 0 |
| Washington County Oregon | 1 | $ 228,000 | $ 228,000 | $ 57,000 |
| Bedford County Pennsylvania | 1 | $ 88,000 | $ 88,000 | $ 141,000 |
| Berks County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 71,000 |
| Blair County Pennsylvania | 1 | $ 218,000 | $ 218,000 | $ 170,000 |
| Chester County Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 132,000 |
| Cumberland County Pennsylvania | 1 | $ 402,000 | $ 402,000 | $ 91,000 |
| Philadelphia County Pennsylvania | 1 | $ 465,000 | $ 465,000 | $ 132,000 |
| Beaufort County South Carolina | 1 | $ 400,000 | $ 400,000 | $ 221,000 |
| Charleston County South Carolina | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Greenville County South Carolina | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Horry County South Carolina | 1 | $ 800,000 | $ 800,000 | $ 0 |
| York County South Carolina | 1 | $ 307,000 | $ 307,000 | $ 71,000 |
| Dallas County Texas | 1 | $ 74,000 | $ 74,000 | $ 189,000 |
| Galveston County Texas | 1 | $ 363,000 | $ 363,000 | $ 219,000 |
| Wichita County Texas | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Wasatch County Utah | 1 | $ 349,000 | $ 349,000 | $ 174,000 |
| Albemarle County Virginia | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Augusta County Virginia | 1 | $ 414,000 | $ 414,000 | $ 105,000 |
| Charlottesville County Virginia | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Clarke County Virginia | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Essex County Virginia | 1 | $ 452,000 | $ 452,000 | $ 86,000 |
| Falls Church County Virginia | 1 | $ 813,000 | $ 813,000 | $ 181,000 |
| Franklin County Virginia | 1 | $ 521,000 | $ 521,000 | $ 164,000 |
| Frederick County Virginia | 1 | $ 88,000 | $ 88,000 | $ 22,000 |
| Greene County Virginia | 1 | $ 246,000 | $ 246,000 | $ 130,000 |
| Northumberland County Virginia | 1 | $ 210,000 | $ 210,000 | $ 161,000 |
| Orange County Virginia | 1 | $ 108,000 | $ 108,000 | $ 80,000 |
| Roanoke City County Virginia | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Shenandoah County Virginia | 1 | $ 150,000 | $ 150,000 | $ 31,000 |
| Stafford County Virginia | 1 | $ 853,000 | $ 853,000 | $ 190,000 |
| Jefferson County West Virginia | 1 | $ 171,000 | $ 171,000 | $ 64,000 |
| Monongalia County West Virginia | 1 | $ 292,000 | $ 292,000 | $ 61,000 |
| Morgan County West Virginia | 1 | $ 496,000 | $ 496,000 | $ 225,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2006
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 | 673 | $223,406,000 | $331,000 | $2,800,000 | $132,000 | $7,870,000 |
| Refinancing | 257 | $81,761,000 | $318,000 | $4,200,000 | $107,000 | $600,000 |
| Home Improvement | 47 | $14,903,000 | $317,000 | $1,200,000 | $118,000 | $393,000 |
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 | 710 | $217,810,000 | $306,000 | $1,285,000 | $121,000 | $657,000 |
| Black or African American | 127 | $36,761,000 | $289,000 | $755,000 | $109,000 | $387,000 |
| Not Provided | 69 | $31,910,000 | $462,000 | $2,100,000 | $135,000 | $765,000 |
| Asian | 32 | $9,581,000 | $299,000 | $760,000 | $109,000 | $211,000 |
| Not applicable | 22 | $18,635,000 | $847,000 | $4,200,000 | $357,000 | $7,870,000 |
| Hispanic | 13 | $3,937,000 | $302,000 | $1,215,000 | $105,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,176,000 | $392,000 | $525,000 | $92,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $260,000 | $260,000 | $260,000 | $74,000 | $74,000 |
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) | 948 | $313,318,000 | $330,000 | $4,200,000 | $126,000 | $7,870,000 |
| FHA-insured (Federal Housing Administration) | 24 | $5,266,000 | $219,000 | $368,000 | $71,000 | $162,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,486,000 | $297,000 | $417,000 | $95,000 | $182,000 |
| 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 | 923 | $309,171,000 | $334,000 | $4,200,000 | $126,000 | $7,870,000 |
| Application Withdrawn By Applicant | 52 | $10,687,000 | $205,000 | $734,000 | $103,000 | $383,000 |
| Application Denied By Financial Institution | 2 | $212,000 | $106,000 | $171,000 | $55,000 | $64,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $212,000 | $106,000 | $171,000 | $55,000 | $64,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 2006 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.