Presidential Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Presidential Bank, F.S.B. 2009 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 | 2,515 |
| Total Mortgage Loan Application Amount | $671,457,000 |
| Average Mortgage Loan Application Amount | $260,000 |
| Highest Mortgage Loan Application Amount | $742,000 |
| Average Applicant Income | $108,666 |
| Highest Applicant Income | $2,250,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Frederick County Maryland | 555 | $ 130,858,000 | $ 235,000 | $ 83,000 |
| Montgomery County Maryland | 501 | $ 156,044,000 | $ 311,000 | $ 128,000 |
| Howard County Maryland | 163 | $ 46,942,000 | $ 287,000 | $ 120,000 |
| Prince George's County Maryland | 159 | $ 39,130,000 | $ 246,000 | $ 80,000 |
| Anne Arundel County Maryland | 151 | $ 43,494,000 | $ 288,000 | $ 105,000 |
| Fairfax County Virginia | 107 | $ 33,799,000 | $ 315,000 | $ 140,000 |
| Washington County Maryland | 69 | $ 14,685,000 | $ 212,000 | $ 64,000 |
| District of Columbia County District Of Columbia | 65 | $ 25,511,000 | $ 392,000 | $ 152,000 |
| Carroll County Maryland | 59 | $ 16,043,000 | $ 271,000 | $ 91,000 |
| Baltimore County Maryland | 54 | $ 13,568,000 | $ 251,000 | $ 95,000 |
| Calvert County Maryland | 49 | $ 15,334,000 | $ 312,000 | $ 118,000 |
| Loudoun County Virginia | 37 | $ 11,713,000 | $ 316,000 | $ 124,000 |
| Chesterfield County Virginia | 30 | $ 5,187,000 | $ 172,000 | $ 64,000 |
| Arlington County Virginia | 28 | $ 9,553,000 | $ 341,000 | $ 142,000 |
| Charles County Maryland | 27 | $ 6,138,000 | $ 227,000 | $ 99,000 |
| Baltimore City County Maryland | 26 | $ 5,526,000 | $ 212,000 | $ 155,000 |
| Berkeley County West Virginia | 22 | $ 3,890,000 | $ 176,000 | $ 75,000 |
| St. Mary's County Maryland | 20 | $ 5,852,000 | $ 292,000 | $ 105,000 |
| Henrico County Virginia | 19 | $ 3,197,000 | $ 168,000 | $ 54,000 |
| Prince William County Virginia | 19 | $ 4,470,000 | $ 235,000 | $ 83,000 |
| Jefferson County West Virginia | 18 | $ 4,569,000 | $ 253,000 | $ 68,000 |
| Adams County Pennsylvania | 15 | $ 3,258,000 | $ 217,000 | $ 67,000 |
| Sussex County Delaware | 14 | $ 3,938,000 | $ 281,000 | $ 147,000 |
| Lancaster County Pennsylvania | 14 | $ 2,421,000 | $ 172,000 | $ 56,000 |
| Lehigh County Pennsylvania | 14 | $ 2,100,000 | $ 150,000 | $ 59,000 |
| Northampton County Pennsylvania | 13 | $ 2,133,000 | $ 164,000 | $ 76,000 |
| Harford County Maryland | 12 | $ 2,608,000 | $ 217,000 | $ 83,000 |
| Mecklenburg County North Carolina | 12 | $ 3,392,000 | $ 282,000 | $ 177,000 |
| Alexandria County Virginia | 12 | $ 2,900,000 | $ 241,000 | $ 106,000 |
| Prince George County Virginia | 11 | $ 1,786,000 | $ 162,000 | $ 58,000 |
| York County Pennsylvania | 10 | $ 1,801,000 | $ 180,000 | $ 66,000 |
| Queen Anne's County Maryland | 6 | $ 1,614,000 | $ 269,000 | $ 123,000 |
| Colonial Heights County Virginia | 6 | $ 1,024,000 | $ 170,000 | $ 46,000 |
| Worcester County Maryland | 5 | $ 1,093,000 | $ 218,000 | $ 178,000 |
| Franklin County Pennsylvania | 5 | $ 1,120,000 | $ 224,000 | $ 13,000 |
| Richmond City County Virginia | 5 | $ 692,000 | $ 138,000 | $ 84,000 |
| Garrett County Maryland | 4 | $ 919,000 | $ 229,000 | $ 144,000 |
| Talbot County Maryland | 4 | $ 1,429,000 | $ 357,000 | $ 191,000 |
| Berks County Pennsylvania | 4 | $ 711,000 | $ 177,000 | $ 71,000 |
| Montgomery County Pennsylvania | 4 | $ 1,165,000 | $ 291,000 | $ 178,000 |
| Accomack County Virginia | 4 | $ 947,000 | $ 236,000 | $ 147,000 |
| Dinwiddie County Virginia | 4 | $ 676,000 | $ 169,000 | $ 52,000 |
| Morgan County West Virginia | 4 | $ 847,000 | $ 211,000 | $ 138,000 |
| DeKalb County Georgia | 3 | $ 836,000 | $ 278,000 | $ 87,000 |
| Cecil County Maryland | 3 | $ 822,000 | $ 274,000 | $ 74,000 |
| Lincoln County North Carolina | 3 | $ 636,000 | $ 212,000 | $ 96,000 |
| Wake County North Carolina | 3 | $ 654,000 | $ 218,000 | $ 84,000 |
| Monroe County Pennsylvania | 3 | $ 469,000 | $ 156,000 | $ 62,000 |
| Charleston County South Carolina | 3 | $ 644,000 | $ 214,000 | $ 69,000 |
| Bexar County Texas | 3 | $ 802,000 | $ 267,000 | $ 86,000 |
| Albemarle County Virginia | 3 | $ 885,000 | $ 295,000 | $ 125,000 |
| Stafford County Virginia | 3 | $ 1,138,000 | $ 379,000 | $ 372,000 |
| Kent County Delaware | 2 | $ 459,000 | $ 229,000 | $ 83,000 |
| Fayette County Kentucky | 2 | $ 384,000 | $ 192,000 | $ 53,000 |
| Middlesex County New Jersey | 2 | $ 586,000 | $ 293,000 | $ 131,000 |
| Brunswick County North Carolina | 2 | $ 379,000 | $ 189,000 | $ 132,000 |
| Durham County North Carolina | 2 | $ 476,000 | $ 238,000 | $ 101,000 |
| Guilford County North Carolina | 2 | $ 689,000 | $ 344,000 | $ 109,000 |
| Chester County Pennsylvania | 2 | $ 558,000 | $ 279,000 | $ 97,000 |
| Columbia County Pennsylvania | 2 | $ 164,000 | $ 82,000 | $ 69,000 |
| Beaufort County South Carolina | 2 | $ 578,000 | $ 289,000 | $ 36,000 |
| Georgetown County South Carolina | 2 | $ 596,000 | $ 298,000 | $ 220,000 |
| Horry County South Carolina | 2 | $ 302,000 | $ 151,000 | $ 116,000 |
| Lexington County South Carolina | 2 | $ 747,000 | $ 373,000 | $ 123,000 |
| Fairfax City County Virginia | 2 | $ 1,036,000 | $ 518,000 | $ 173,000 |
| Fauquier County Virginia | 2 | $ 544,000 | $ 272,000 | $ 147,000 |
| Fluvanna County Virginia | 2 | $ 209,000 | $ 104,000 | $ 84,000 |
| Greene County Virginia | 2 | $ 576,000 | $ 288,000 | $ 74,000 |
| Hopewell County Virginia | 2 | $ 336,000 | $ 168,000 | $ 46,000 |
| Northumberland County Virginia | 2 | $ 626,000 | $ 313,000 | $ 134,000 |
| Orange County Virginia | 2 | $ 628,000 | $ 314,000 | $ 154,000 |
| Petersburg County Virginia | 2 | $ 274,000 | $ 137,000 | $ 50,000 |
| Spotsylvania County Virginia | 2 | $ 596,000 | $ 298,000 | $ 160,000 |
| Sussex County Virginia | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Tucker County West Virginia | 2 | $ 509,000 | $ 254,000 | $ 165,000 |
| Baldwin County Alabama | 1 | $ 169,000 | $ 169,000 | $ 88,000 |
| Duval County Florida | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| Hillsborough County Florida | 1 | $ 358,000 | $ 358,000 | $ 180,000 |
| Martin County Florida | 1 | $ 380,000 | $ 380,000 | $ 185,000 |
| Miami-Dade County Florida | 1 | $ 68,000 | $ 68,000 | $ 146,000 |
| Monroe County Florida | 1 | $ 236,000 | $ 236,000 | $ 227,000 |
| Orange County Florida | 1 | $ 93,000 | $ 93,000 | $ 116,000 |
| Pinellas County Florida | 1 | $ 106,000 | $ 106,000 | $ 459,000 |
| Seminole County Florida | 1 | $ 262,000 | $ 262,000 | $ 61,000 |
| St. Johns County Florida | 1 | $ 417,000 | $ 417,000 | $ 148,000 |
| St. Lucie County Florida | 1 | $ 86,000 | $ 86,000 | $ 54,000 |
| Douglas County Georgia | 1 | $ 215,000 | $ 215,000 | $ 139,000 |
| Fayette County Georgia | 1 | $ 191,000 | $ 191,000 | $ 93,000 |
| Honolulu County Hawaii | 1 | $ 395,000 | $ 395,000 | $ 244,000 |
| Cook County Illinois | 1 | $ 200,000 | $ 200,000 | $ 150,000 |
| Johnson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 90,000 |
| East Baton Rouge County Louisiana | 1 | $ 416,000 | $ 416,000 | $ 225,000 |
| Dorchester County Maryland | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Wicomico County Maryland | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Franklin County Massachusetts | 1 | $ 97,000 | $ 97,000 | $ 49,000 |
| Camden County New Jersey | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
| Cape May County New Jersey | 1 | $ 282,000 | $ 282,000 | $ 217,000 |
| Gloucester County New Jersey | 1 | $ 344,000 | $ 344,000 | $ 104,000 |
| Hudson County New Jersey | 1 | $ 460,000 | $ 460,000 | $ 187,000 |
| Morris County New Jersey | 1 | $ 307,000 | $ 307,000 | $ 180,000 |
| Beaufort County North Carolina | 1 | $ 132,000 | $ 132,000 | $ 218,000 |
| Cabarrus County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 124,000 |
| Carteret County North Carolina | 1 | $ 280,000 | $ 280,000 | $ 76,000 |
| Cumberland County North Carolina | 1 | $ 221,000 | $ 221,000 | $ 127,000 |
| Dare County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 189,000 |
| Davie County North Carolina | 1 | $ 228,000 | $ 228,000 | $ 94,000 |
| Halifax County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Iredell County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 64,000 |
| McDowell County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Orange County North Carolina | 1 | $ 249,000 | $ 249,000 | $ 106,000 |
| Pender County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 300,000 |
| Rockingham County North Carolina | 1 | $ 227,000 | $ 227,000 | $ 119,000 |
| Rowan County North Carolina | 1 | $ 302,000 | $ 302,000 | $ 98,000 |
| Union County North Carolina | 1 | $ 394,000 | $ 394,000 | $ 197,000 |
| Watauga County North Carolina | 1 | $ 362,000 | $ 362,000 | $ 127,000 |
| Wilson County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 61,000 |
| Hamilton County Ohio | 1 | $ 192,000 | $ 192,000 | $ 117,000 |
| Licking County Ohio | 1 | $ 52,000 | $ 52,000 | $ 77,000 |
| Bucks County Pennsylvania | 1 | $ 209,000 | $ 209,000 | $ 60,000 |
| Carbon County Pennsylvania | 1 | $ 120,000 | $ 120,000 | $ 94,000 |
| Cumberland County Pennsylvania | 1 | $ 191,000 | $ 191,000 | $ 107,000 |
| Dauphin County Pennsylvania | 1 | $ 277,000 | $ 277,000 | $ 102,000 |
| Delaware County Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 73,000 |
| Lebanon County Pennsylvania | 1 | $ 141,000 | $ 141,000 | $ 56,000 |
| Luzerne County Pennsylvania | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Philadelphia County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 294,000 |
| Somerset County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 109,000 |
| Dorchester County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Richland County South Carolina | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Minnehaha County South Dakota | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 61,000 |
| Knox County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 102,000 |
| Shelby County Tennessee | 1 | $ 267,000 | $ 267,000 | $ 68,000 |
| Dallas County Texas | 1 | $ 112,000 | $ 112,000 | $ 72,000 |
| Addison County Vermont | 1 | $ 161,000 | $ 161,000 | $ 124,000 |
| Amelia County Virginia | 1 | $ 143,000 | $ 143,000 | $ 76,000 |
| Appomattox County Virginia | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| Buckingham County Virginia | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Culpeper County Virginia | 1 | $ 188,000 | $ 188,000 | $ 49,000 |
| Falls Church County Virginia | 1 | $ 417,000 | $ 417,000 | $ 843,000 |
| Franklin County Virginia | 1 | $ 571,000 | $ 571,000 | $ 213,000 |
| Harrisonburg County Virginia | 1 | $ 173,000 | $ 173,000 | $ 42,000 |
| Louisa County Virginia | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Madison County Virginia | 1 | $ 269,000 | $ 269,000 | $ 64,000 |
| Manassas County Virginia | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Mecklenburg County Virginia | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Northampton County Virginia | 1 | $ 184,000 | $ 184,000 | $ 196,000 |
| Rappahannock County Virginia | 1 | $ 412,000 | $ 412,000 | $ 195,000 |
| Shenandoah County Virginia | 1 | $ 417,000 | $ 417,000 | $ 250,000 |
| Warren County Virginia | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| Winchester County Virginia | 1 | $ 98,000 | $ 98,000 | $ 21,000 |
| King County Washington | 1 | $ 405,000 | $ 405,000 | $ 185,000 |
| Kitsap County Washington | 1 | $ 360,000 | $ 360,000 | $ 117,000 |
| Preston County West Virginia | 1 | $ 195,000 | $ 195,000 | $ 294,000 |
| Dane County Wisconsin | 1 | $ 196,000 | $ 196,000 | $ 0 |
Mortgage Loan Application Detail Totals for Presidential Bank, F.S.B. in 2009
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 | 1,327 | $383,181,000 | $288,000 | $742,000 | $120,000 | $2,250,000 |
| Home Purchase | 1,100 | $266,151,000 | $241,000 | $707,000 | $86,000 | $460,000 |
| Home Improvement | 88 | $22,125,000 | $251,000 | $563,000 | $120,000 | $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 | 1,995 | $541,329,000 | $271,000 | $730,000 | $110,000 | $2,250,000 |
| Black or African American | 184 | $45,921,000 | $249,000 | $650,000 | $73,000 | $559,000 |
| Not Provided | 131 | $34,029,000 | $259,000 | $651,000 | $104,000 | $353,000 |
| Asian | 123 | $30,898,000 | $251,000 | $688,000 | $87,000 | $354,000 |
| Hispanic | 73 | $16,650,000 | $228,000 | $560,000 | $75,000 | $230,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,258,000 | $322,000 | $742,000 | $134,000 | $509,000 |
| American Indian or Alaskan Native | 2 | $372,000 | $186,000 | $232,000 | $91,000 | $136,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,628 | $452,473,000 | $277,000 | $742,000 | $127,000 | $2,250,000 |
| FHA-insured (Federal Housing Administration) | 736 | $177,024,000 | $240,000 | $668,000 | $65,000 | $253,000 |
| VA-guaranteed (Veterans Administration) | 139 | $39,856,000 | $286,000 | $651,000 | $65,000 | $223,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $2,104,000 | $175,000 | $337,000 | $45,000 | $78,000 |
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 | 2,332 | $623,393,000 | $267,000 | $742,000 | $106,000 | $2,250,000 |
| Application Withdrawn By Applicant | 143 | $37,093,000 | $259,000 | $730,000 | $90,000 | $321,000 |
| Application Denied By Financial Institution | 40 | $10,971,000 | $274,000 | $654,000 | $96,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 14 | $4,628,000 | $330,000 | $654,000 | $123,000 | $250,000 |
| Debt-To-Income Ratio | 9 | $2,214,000 | $246,000 | $349,000 | $51,000 | $81,000 |
| Other | 8 | $2,517,000 | $314,000 | $571,000 | $115,000 | $213,000 |
| Unverifiable Information | 2 | $197,000 | $98,000 | $133,000 | $76,000 | $81,000 |
| Credit History | 2 | $406,000 | $203,000 | $259,000 | $52,000 | $64,000 |
| Mortgage Insurance Denied | 2 | $610,000 | $305,000 | $435,000 | $120,000 | $162,000 |
| Employment History | 2 | $306,000 | $153,000 | $197,000 | $52,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $93,000 | $93,000 | $93,000 | $116,000 | $116,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, F.S.B.'s 2009 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.