Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Presidential Bank, F.S.B. 2007 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 | 786 |
| Total Mortgage Loan Application Amount | $276,445,000 |
| Average Mortgage Loan Application Amount | $333,333 |
| Highest Mortgage Loan Application Amount | $4,120,000 |
| Average Applicant Income | $112,000 |
| Highest Applicant Income | $4,167,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 130 | $ 45,285,000 | $ 348,000 | $ 147,000 |
| Anne Arundel County Maryland | 74 | $ 26,448,000 | $ 357,000 | $ 109,000 |
| Prince George's County Maryland | 73 | $ 20,436,000 | $ 279,000 | $ 94,000 |
| Howard County Maryland | 55 | $ 16,047,000 | $ 291,000 | $ 122,000 |
| Baltimore City County Maryland | 48 | $ 9,269,000 | $ 193,000 | $ 103,000 |
| Baltimore County Maryland | 31 | $ 13,203,000 | $ 425,000 | $ 115,000 |
| Frederick County Maryland | 27 | $ 7,518,000 | $ 278,000 | $ 119,000 |
| District of Columbia County District Of Columbia | 25 | $ 12,451,000 | $ 498,000 | $ 115,000 |
| Calvert County Maryland | 25 | $ 10,482,000 | $ 419,000 | $ 185,000 |
| St. Mary's County Maryland | 25 | $ 8,407,000 | $ 336,000 | $ 110,000 |
| Carroll County Maryland | 24 | $ 7,878,000 | $ 328,000 | $ 109,000 |
| Harford County Maryland | 18 | $ 7,222,000 | $ 401,000 | $ 110,000 |
| York County Pennsylvania | 17 | $ 5,726,000 | $ 336,000 | $ 95,000 |
| Fairfax County Virginia | 17 | $ 7,863,000 | $ 462,000 | $ 134,000 |
| Loudoun County Virginia | 17 | $ 5,009,000 | $ 294,000 | $ 110,000 |
| Charles County Maryland | 11 | $ 4,620,000 | $ 420,000 | $ 138,000 |
| Arlington County Virginia | 10 | $ 4,543,000 | $ 454,000 | $ 174,000 |
| Washington County Maryland | 7 | $ 1,558,000 | $ 222,000 | $ 85,000 |
| Sussex County Delaware | 6 | $ 2,218,000 | $ 369,000 | $ 187,000 |
| Wake County North Carolina | 6 | $ 710,000 | $ 118,000 | $ 67,000 |
| Horry County South Carolina | 6 | $ 836,000 | $ 139,000 | $ 115,000 |
| Kent County Delaware | 5 | $ 1,321,000 | $ 264,000 | $ 81,000 |
| Garrett County Maryland | 5 | $ 2,325,000 | $ 465,000 | $ 195,000 |
| Queen Anne's County Maryland | 5 | $ 2,766,000 | $ 553,000 | $ 118,000 |
| Dorchester County Maryland | 4 | $ 759,000 | $ 189,000 | $ 139,000 |
| Talbot County Maryland | 4 | $ 1,613,000 | $ 403,000 | $ 159,000 |
| Adams County Pennsylvania | 4 | $ 1,491,000 | $ 372,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 4 | $ 989,000 | $ 247,000 | $ 102,000 |
| King County Washington | 4 | $ 4,093,000 | $ 1,023,000 | $ 70,000 |
| Hampshire County West Virginia | 4 | $ 982,000 | $ 245,000 | $ 85,000 |
| New Haven County Connecticut | 3 | $ 1,315,000 | $ 438,000 | $ 0 |
| Somerset County Maryland | 3 | $ 474,000 | $ 158,000 | $ 115,000 |
| Worcester County Maryland | 3 | $ 848,000 | $ 282,000 | $ 187,000 |
| Tulsa County Oklahoma | 3 | $ 7,512,000 | $ 2,504,000 | $ 0 |
| Culpeper County Virginia | 3 | $ 573,000 | $ 191,000 | $ 43,000 |
| Franklin County Virginia | 3 | $ 489,000 | $ 163,000 | $ 103,000 |
| Sarasota County Florida | 2 | $ 185,000 | $ 92,000 | $ 300,000 |
| Suffolk County Massachusetts | 2 | $ 415,000 | $ 207,000 | $ 94,000 |
| Mercer County New Jersey | 2 | $ 242,000 | $ 121,000 | $ 48,000 |
| Middlesex County New Jersey | 2 | $ 1,020,000 | $ 510,000 | $ 120,000 |
| Monmouth County New Jersey | 2 | $ 790,000 | $ 395,000 | $ 225,000 |
| Multnomah County Oregon | 2 | $ 469,000 | $ 234,000 | $ 101,000 |
| Franklin County Pennsylvania | 2 | $ 354,000 | $ 177,000 | $ 68,000 |
| Greene County Tennessee | 2 | $ 104,000 | $ 52,000 | $ 200,000 |
| Fauquier County Virginia | 2 | $ 650,000 | $ 325,000 | $ 84,000 |
| Harrisonburg County Virginia | 2 | $ 160,000 | $ 80,000 | $ 747,000 |
| King George County Virginia | 2 | $ 698,000 | $ 349,000 | $ 91,000 |
| Northumberland County Virginia | 2 | $ 628,000 | $ 314,000 | $ 103,000 |
| Shenandoah County Virginia | 2 | $ 296,000 | $ 148,000 | $ 151,000 |
| Westmoreland County Virginia | 2 | $ 664,000 | $ 332,000 | $ 124,000 |
| Berkeley County West Virginia | 2 | $ 496,000 | $ 248,000 | $ 113,000 |
| Jefferson County West Virginia | 2 | $ 375,000 | $ 187,000 | $ 106,000 |
| Santa Clara County California | 1 | $ 701,000 | $ 701,000 | $ 165,000 |
| Collier County Florida | 1 | $ 750,000 | $ 750,000 | $ 4,167,000 |
| Palm Beach County Florida | 1 | $ 271,000 | $ 271,000 | $ 0 |
| Pinellas County Florida | 1 | $ 266,000 | $ 266,000 | $ 152,000 |
| Fulton County Georgia | 1 | $ 190,000 | $ 190,000 | $ 87,000 |
| Cook County Illinois | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Monroe County Indiana | 1 | $ 612,000 | $ 612,000 | $ 268,000 |
| Franklin County Kentucky | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Cecil County Maryland | 1 | $ 399,000 | $ 399,000 | $ 162,000 |
| Kent County Maryland | 1 | $ 278,000 | $ 278,000 | $ 175,000 |
| Middlesex County Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Ottawa County Michigan | 1 | $ 563,000 | $ 563,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 388,000 | $ 388,000 | $ 120,000 |
| Burlington County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 144,000 |
| Herkimer County New York | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Monroe County New York | 1 | $ 876,000 | $ 876,000 | $ 0 |
| Beaufort County North Carolina | 1 | $ 420,000 | $ 420,000 | $ 471,000 |
| Cumberland County North Carolina | 1 | $ 1,220,000 | $ 1,220,000 | $ 0 |
| Durham County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 168,000 |
| Guilford County North Carolina | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 216,000 | $ 216,000 | $ 31,000 |
| Mahoning County Ohio | 1 | $ 2,800,000 | $ 2,800,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 111,000 | $ 111,000 | $ 24,000 |
| Lancaster County Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 104,000 |
| Montgomery County Pennsylvania | 1 | $ 530,000 | $ 530,000 | $ 176,000 |
| Beaufort County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 151,000 |
| Charleston County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 394,000 |
| Georgetown County South Carolina | 1 | $ 2,320,000 | $ 2,320,000 | $ 0 |
| Harris County Texas | 1 | $ 75,000 | $ 75,000 | $ 80,000 |
| Randall County Texas | 1 | $ 1,261,000 | $ 1,261,000 | $ 0 |
| Campbell County Virginia | 1 | $ 237,000 | $ 237,000 | $ 187,000 |
| Frederick County Virginia | 1 | $ 741,000 | $ 741,000 | $ 251,000 |
| Louisa County Virginia | 1 | $ 317,000 | $ 317,000 | $ 0 |
| Prince William County Virginia | 1 | $ 730,000 | $ 730,000 | $ 249,000 |
| Kitsap County Washington | 1 | $ 431,000 | $ 431,000 | $ 139,000 |
| Pierce County Washington | 1 | $ 264,000 | $ 264,000 | $ 72,000 |
| Harrison County West Virginia | 1 | $ 160,000 | $ 160,000 | $ 76,000 |
| Mineral County West Virginia | 1 | $ 217,000 | $ 217,000 | $ 22,000 |
| Morgan County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 93,000 |
| Preston County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2007
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 | 561 | $193,556,000 | $345,000 | $2,320,000 | $134,000 | $4,167,000 |
| Refinancing | 214 | $79,775,000 | $372,000 | $4,120,000 | $106,000 | $481,000 |
| Home Improvement | 11 | $3,114,000 | $283,000 | $500,000 | $96,000 | $304,000 |
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 | 557 | $184,451,000 | $331,000 | $1,450,000 | $136,000 | $4,167,000 |
| Black or African American | 120 | $33,639,000 | $280,000 | $1,357,000 | $114,000 | $952,000 |
| Not Provided | 50 | $21,225,000 | $424,000 | $2,800,000 | $116,000 | $490,000 |
| Not applicable | 25 | $26,298,000 | $1,051,000 | $4,120,000 | $0 | $0 |
| Asian | 16 | $6,173,000 | $385,000 | $810,000 | $131,000 | $248,000 |
| Hispanic | 15 | $4,082,000 | $272,000 | $742,000 | $89,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $335,000 | $167,000 | $175,000 | $130,000 | $208,000 |
| American Indian or Alaskan Native | 1 | $242,000 | $242,000 | $242,000 | $80,000 | $80,000 |
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) | 740 | $264,255,000 | $357,000 | $4,120,000 | $129,000 | $4,167,000 |
| FHA-insured (Federal Housing Administration) | 31 | $7,645,000 | $246,000 | $352,000 | $68,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 15 | $4,545,000 | $303,000 | $406,000 | $99,000 | $296,000 |
| 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 | 757 | $269,420,000 | $355,000 | $4,120,000 | $126,000 | $4,167,000 |
| Application Withdrawn By Applicant | 26 | $6,298,000 | $242,000 | $701,000 | $135,000 | $471,000 |
| Application Denied By Financial Institution | 3 | $727,000 | $242,000 | $308,000 | $59,000 | $78,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $727,000 | $242,000 | $308,000 | $59,000 | $78,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, F.S.B.'s 2007 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.