Presidential Bank, FSB Mortgage Lending & HMDA Data, 2016
In 2016, Presidential Bank, FSB of Bethesda, MD reported 5,390 mortgage applications totaling $1.6 billion, up 3% from 2015. The average application was for $302,239, and applicants reported an average income of $117,848. 87% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,516), Silver Spring-Frederick-Rockville, MD (821) and Baltimore-Columbia-Towson, MD (788) (applications in parentheses).
| Mortgage Company & Address | Presidential Bank, FSB 4600 East West Highway, Suite 400 Bethesda, MD 20814 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 5,390 |
| Total Mortgage Loan Application Amount | $1,629,071,000 |
| Average Mortgage Loan Application Amount | $302,239 |
| Highest Mortgage Loan Application Amount | $2,857,000 |
| Average Applicant Income | $117,848 |
| Highest Applicant Income | $5,126,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Presidential Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Frederick, Maryland | 438 | $ 120,118,000 | $ 274,242 | $ 101,000 |
| Fairfax, Virginia | 434 | $ 189,370,000 | $ 436,336 | $ 166,000 |
| Montgomery, Maryland | 383 | $ 135,355,000 | $ 353,407 | $ 144,000 |
| Anne Arundel, Maryland | 284 | $ 100,507,000 | $ 353,897 | $ 118,000 |
| Chesterfield, Virginia | 231 | $ 40,794,000 | $ 176,597 | $ 70,000 |
| Bucks, Pennsylvania | 229 | $ 56,770,000 | $ 247,903 | $ 99,000 |
| Prince William, Virginia | 176 | $ 58,345,000 | $ 331,505 | $ 110,000 |
| St. Mary's, Maryland | 149 | $ 47,612,000 | $ 319,543 | $ 112,000 |
| Loudoun, Virginia | 149 | $ 57,864,000 | $ 388,348 | $ 147,000 |
| Baltimore, Maryland | 144 | $ 38,248,000 | $ 265,611 | $ 106,000 |
| Howard, Maryland | 135 | $ 45,946,000 | $ 340,340 | $ 145,000 |
| Calvert, Maryland | 132 | $ 43,532,000 | $ 329,787 | $ 112,000 |
| Arlington, Virginia | 115 | $ 39,923,000 | $ 347,156 | $ 120,000 |
| Prince George's, Maryland | 113 | $ 31,761,000 | $ 281,070 | $ 99,000 |
| Baltimore City, Maryland | 101 | $ 26,041,000 | $ 257,831 | $ 109,000 |
| Montgomery, Pennsylvania | 99 | $ 26,394,000 | $ 266,606 | $ 111,000 |
| District of Columbia, District Of Columbia | 90 | $ 43,824,000 | $ 486,933 | $ 160,000 |
| Henrico, Virginia | 85 | $ 14,938,000 | $ 175,741 | $ 70,000 |
| Charles, Maryland | 82 | $ 23,963,000 | $ 292,231 | $ 110,000 |
| Albemarle, Virginia | 81 | $ 26,048,000 | $ 321,580 | $ 144,000 |
| Washington, Maryland | 78 | $ 15,164,000 | $ 194,410 | $ 66,000 |
| Prince George, Virginia | 72 | $ 13,275,000 | $ 184,375 | $ 70,000 |
| Dinwiddie, Virginia | 67 | $ 10,421,000 | $ 155,537 | $ 57,000 |
| Cape May, New Jersey | 65 | $ 27,588,000 | $ 424,430 | $ 251,000 |
| Carroll, Maryland | 63 | $ 21,199,000 | $ 336,492 | $ 98,000 |
| Worcester, Maryland | 58 | $ 14,142,000 | $ 243,827 | $ 265,000 |
| Stafford, Virginia | 53 | $ 16,955,000 | $ 319,905 | $ 106,000 |
| Colonial Heights, Virginia | 52 | $ 6,686,000 | $ 128,576 | $ 59,000 |
| Ocean, New Jersey | 51 | $ 14,007,000 | $ 274,647 | $ 154,000 |
| Alexandria, Virginia | 47 | $ 19,241,000 | $ 409,382 | $ 133,000 |
| Harford, Maryland | 45 | $ 12,591,000 | $ 279,800 | $ 97,000 |
| Hopewell, Virginia | 42 | $ 4,441,000 | $ 105,738 | $ 51,000 |
| Charlottesville, Virginia | 39 | $ 11,662,000 | $ 299,025 | $ 140,000 |
| Hanover, Virginia | 36 | $ 8,376,000 | $ 232,666 | $ 87,000 |
| Philadelphia, Pennsylvania | 35 | $ 7,800,000 | $ 222,857 | $ 105,000 |
| Fauquier, Virginia | 34 | $ 11,668,000 | $ 343,176 | $ 102,000 |
| Monmouth, New Jersey | 30 | $ 9,512,000 | $ 317,066 | $ 116,000 |
| Richmond City, Virginia | 30 | $ 4,985,000 | $ 166,166 | $ 83,000 |
| Garrett, Maryland | 29 | $ 5,391,000 | $ 185,896 | $ 116,000 |
| Virginia Beach, Virginia | 29 | $ 10,961,000 | $ 377,965 | $ 35,000 |
| Petersburg, Virginia | 27 | $ 2,765,000 | $ 102,407 | $ 45,000 |
| Mecklenburg, North Carolina | 26 | $ 6,158,000 | $ 236,846 | $ 121,000 |
| Spotsylvania, Virginia | 25 | $ 7,309,000 | $ 292,360 | $ 105,000 |
| Chester, Pennsylvania | 19 | $ 6,858,000 | $ 360,947 | $ 169,000 |
| Manassas, Virginia | 19 | $ 5,375,000 | $ 282,894 | $ 101,000 |
| Sussex, Delaware | 17 | $ 6,649,000 | $ 391,117 | $ 430,000 |
| Queen Anne's, Maryland | 16 | $ 6,432,000 | $ 402,000 | $ 134,000 |
| Middlesex, New Jersey | 15 | $ 3,481,000 | $ 232,066 | $ 92,000 |
| Frederick, Virginia | 15 | $ 3,671,000 | $ 244,733 | $ 117,000 |
| Fluvanna, Virginia | 14 | $ 2,439,000 | $ 174,214 | $ 84,000 |
| Jefferson, West Virginia | 14 | $ 3,671,000 | $ 262,214 | $ 103,000 |
| Honolulu, Hawaii | 13 | $ 7,507,000 | $ 577,461 | $ 64,000 |
| Sussex, Virginia | 12 | $ 1,565,000 | $ 130,416 | $ 56,000 |
| Franklin, Pennsylvania | 11 | $ 2,117,000 | $ 192,454 | $ 88,000 |
| Caroline, Virginia | 10 | $ 1,442,000 | $ 144,200 | $ 59,000 |
| Fairfax City, Virginia | 10 | $ 4,338,000 | $ 433,800 | $ 164,000 |
| Greene, Virginia | 10 | $ 2,470,000 | $ 247,000 | $ 124,000 |
| Powhatan, Virginia | 10 | $ 2,332,000 | $ 233,200 | $ 78,000 |
| Atlantic, New Jersey | 9 | $ 3,580,000 | $ 397,777 | $ 148,000 |
| Delaware, Pennsylvania | 9 | $ 2,477,000 | $ 275,222 | $ 125,000 |
| Lehigh, Pennsylvania | 9 | $ 1,876,000 | $ 208,444 | $ 76,000 |
| King George, Virginia | 9 | $ 2,477,000 | $ 275,222 | $ 91,000 |
| Berkeley, West Virginia | 9 | $ 1,887,000 | $ 209,666 | $ 99,000 |
| San Diego, California | 8 | $ 3,848,000 | $ 481,000 | $ 53,000 |
| New Castle, Delaware | 8 | $ 2,235,000 | $ 279,375 | $ 96,000 |
| Iredell, North Carolina | 7 | $ 1,625,000 | $ 232,142 | $ 86,000 |
| Louisa, Virginia | 7 | $ 2,125,000 | $ 303,571 | $ 112,000 |
| Orange, Virginia | 7 | $ 1,044,000 | $ 149,142 | $ 103,000 |
| Burlington, New Jersey | 6 | $ 1,301,000 | $ 216,833 | $ 98,000 |
| Moore, North Carolina | 6 | $ 1,932,000 | $ 322,000 | $ 43,000 |
| Adams, Pennsylvania | 6 | $ 1,246,000 | $ 207,666 | $ 103,000 |
| Berks, Pennsylvania | 6 | $ 1,093,000 | $ 182,166 | $ 84,000 |
| Northampton, Pennsylvania | 6 | $ 1,478,000 | $ 246,333 | $ 87,000 |
| Clarke, Virginia | 6 | $ 1,958,000 | $ 326,333 | $ 176,000 |
| Wake, North Carolina | 5 | $ 1,190,000 | $ 238,000 | $ 77,000 |
| Newport, Rhode Island | 5 | $ 1,743,000 | $ 348,600 | $ 102,000 |
| Davidson, Tennessee | 5 | $ 1,401,000 | $ 280,200 | $ 78,000 |
| Amelia, Virginia | 5 | $ 677,000 | $ 135,400 | $ 70,000 |
| Norfolk, Virginia | 5 | $ 2,301,000 | $ 460,200 | $ 44,000 |
| Rockingham, Virginia | 5 | $ 1,108,000 | $ 221,600 | $ 185,000 |
| Warren, Virginia | 5 | $ 1,417,000 | $ 283,400 | $ 90,000 |
| King, Washington | 5 | $ 2,523,000 | $ 504,600 | $ 113,000 |
| Morgan, West Virginia | 5 | $ 997,000 | $ 199,400 | $ 105,000 |
| Kent, Delaware | 4 | $ 920,000 | $ 230,000 | $ 57,000 |
| Broward, Florida | 4 | $ 650,000 | $ 162,500 | $ 142,000 |
| Duval, Florida | 4 | $ 1,020,000 | $ 255,000 | $ 122,000 |
| Hillsborough, Florida | 4 | $ 1,484,000 | $ 371,000 | $ 152,000 |
| Monroe, Florida | 4 | $ 1,709,000 | $ 427,250 | $ 174,000 |
| Cook, Illinois | 4 | $ 2,095,000 | $ 523,750 | $ 143,000 |
| Suffolk, Massachusetts | 4 | $ 2,031,000 | $ 507,750 | $ 97,000 |
| Bergen, New Jersey | 4 | $ 1,493,000 | $ 373,250 | $ 134,000 |
| Onslow, North Carolina | 4 | $ 768,000 | $ 192,000 | $ 46,000 |
| York, Pennsylvania | 4 | $ 792,000 | $ 198,000 | $ 74,000 |
| Beaufort, South Carolina | 4 | $ 1,066,000 | $ 266,500 | $ 170,000 |
| Accomack, Virginia | 4 | $ 746,000 | $ 186,500 | $ 272,000 |
| Brunswick, Virginia | 4 | $ 195,000 | $ 48,750 | $ 47,000 |
| Culpeper, Virginia | 4 | $ 1,152,000 | $ 288,000 | $ 79,000 |
| Emporia, Virginia | 4 | $ 196,000 | $ 49,000 | $ 85,000 |
| Falls Church, Virginia | 4 | $ 3,246,000 | $ 811,500 | $ 175,000 |
| Shenandoah, Virginia | 4 | $ 772,000 | $ 193,000 | $ 107,000 |
| Brevard, Florida | 3 | $ 772,000 | $ 257,333 | $ 71,000 |
| Lee, Florida | 3 | $ 1,574,000 | $ 524,666 | $ 173,000 |
| Manatee, Florida | 3 | $ 586,000 | $ 195,333 | $ 68,000 |
| Orange, Florida | 3 | $ 498,000 | $ 166,000 | $ 94,000 |
| Palm Beach, Florida | 3 | $ 799,000 | $ 266,333 | $ 155,000 |
| Pasco, Florida | 3 | $ 599,000 | $ 199,666 | $ 144,000 |
| Pinellas, Florida | 3 | $ 726,000 | $ 242,000 | $ 133,000 |
| Volusia, Florida | 3 | $ 1,116,000 | $ 372,000 | $ 301,000 |
| Cecil, Maryland | 3 | $ 1,066,000 | $ 355,333 | $ 128,000 |
| Hunterdon, New Jersey | 3 | $ 735,000 | $ 245,000 | $ 86,000 |
| Mercer, New Jersey | 3 | $ 672,000 | $ 224,000 | $ 105,000 |
| Catawba, North Carolina | 3 | $ 927,000 | $ 309,000 | $ 149,000 |
| Dare, North Carolina | 3 | $ 1,087,000 | $ 362,333 | $ 60,000 |
| Cumberland, Pennsylvania | 3 | $ 845,000 | $ 281,666 | $ 94,000 |
| Horry, South Carolina | 3 | $ 848,000 | $ 282,666 | $ 62,000 |
| Dallas, Texas | 3 | $ 1,077,000 | $ 359,000 | $ 816,000 |
| Tarrant, Texas | 3 | $ 938,000 | $ 312,666 | $ 166,000 |
| Travis, Texas | 3 | $ 818,000 | $ 272,666 | $ 73,000 |
| Cumberland, Virginia | 3 | $ 597,000 | $ 199,000 | $ 92,000 |
| James City, Virginia | 3 | $ 1,470,000 | $ 490,000 | $ 124,000 |
| King William, Virginia | 3 | $ 441,000 | $ 147,000 | $ 41,000 |
| Winchester, Virginia | 3 | $ 643,000 | $ 214,333 | $ 78,000 |
| Maricopa, Arizona | 2 | $ 569,000 | $ 284,500 | $ 113,000 |
| Riverside, California | 2 | $ 678,000 | $ 339,000 | $ 63,000 |
| Denver, Colorado | 2 | $ 489,000 | $ 244,500 | $ 137,000 |
| Fairfield, Connecticut | 2 | $ 1,486,000 | $ 743,000 | $ 77,000 |
| Charlotte, Florida | 2 | $ 329,000 | $ 164,500 | $ 51,000 |
| Clay, Florida | 2 | $ 822,000 | $ 411,000 | $ 519,000 |
| Collier, Florida | 2 | $ 453,000 | $ 226,500 | $ 97,000 |
| Indian River, Florida | 2 | $ 361,000 | $ 180,500 | $ 127,000 |
| Sumter, Florida | 2 | $ 723,000 | $ 361,500 | $ 139,000 |
| Bryan, Georgia | 2 | $ 442,000 | $ 221,000 | $ 61,000 |
| Fulton, Georgia | 2 | $ 840,000 | $ 420,000 | $ 120,000 |
| Kootenai, Idaho | 2 | $ 436,000 | $ 218,000 | $ 0 |
| Latah, Idaho | 2 | $ 653,000 | $ 326,500 | $ 126,000 |
| Leavenworth, Kansas | 2 | $ 696,000 | $ 348,000 | $ 83,000 |
| Dorchester, Maryland | 2 | $ 306,000 | $ 153,000 | $ 141,000 |
| Talbot, Maryland | 2 | $ 512,000 | $ 256,000 | $ 69,000 |
| Wicomico, Maryland | 2 | $ 281,000 | $ 140,500 | $ 41,000 |
| Plymouth, Massachusetts | 2 | $ 738,000 | $ 369,000 | $ 237,000 |
| Anoka, Minnesota | 2 | $ 439,000 | $ 219,500 | $ 140,000 |
| Camden, New Jersey | 2 | $ 557,000 | $ 278,500 | $ 493,000 |
| Morris, New Jersey | 2 | $ 677,000 | $ 338,500 | $ 204,000 |
| Union, New Jersey | 2 | $ 610,000 | $ 305,000 | $ 31,000 |
| Brunswick, North Carolina | 2 | $ 413,000 | $ 206,500 | $ 205,000 |
| Durham, North Carolina | 2 | $ 558,000 | $ 279,000 | $ 240,000 |
| Harnett, North Carolina | 2 | $ 396,000 | $ 198,000 | $ 0 |
| Pender, North Carolina | 2 | $ 506,000 | $ 253,000 | $ 147,000 |
| Franklin, Ohio | 2 | $ 403,000 | $ 201,500 | $ 56,000 |
| Multnomah, Oregon | 2 | $ 531,000 | $ 265,500 | $ 54,000 |
| Spartanburg, South Carolina | 2 | $ 484,000 | $ 242,000 | $ 187,000 |
| York, South Carolina | 2 | $ 414,000 | $ 207,000 | $ 69,000 |
| Denton, Texas | 2 | $ 715,000 | $ 357,500 | $ 0 |
| Harris, Texas | 2 | $ 578,000 | $ 289,000 | $ 60,000 |
| Salt Lake, Utah | 2 | $ 183,000 | $ 91,500 | $ 0 |
| Chesapeake, Virginia | 2 | $ 483,000 | $ 241,500 | $ 75,000 |
| Fredericksburg, Virginia | 2 | $ 322,000 | $ 161,000 | $ 79,000 |
| Lancaster, Virginia | 2 | $ 528,000 | $ 264,000 | $ 204,000 |
| Manassas Park, Virginia | 2 | $ 800,000 | $ 400,000 | $ 112,000 |
| Pierce, Washington | 2 | $ 813,000 | $ 406,500 | $ 87,000 |
| Skagit, Washington | 2 | $ 686,000 | $ 343,000 | $ 64,000 |
| Preston, West Virginia | 2 | $ 247,000 | $ 123,500 | $ 124,000 |
| Etowah, Alabama | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Madison, Alabama | 1 | $ 111,000 | $ 111,000 | $ 110,000 |
| Montgomery, Alabama | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Pima, Arizona | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Pinal, Arizona | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 230,000 | $ 230,000 | $ 198,000 |
| Contra Costa, California | 1 | $ 560,000 | $ 560,000 | $ 209,000 |
| Los Angeles, California | 1 | $ 374,000 | $ 374,000 | $ 155,000 |
| Marin, California | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Sacramento, California | 1 | $ 264,000 | $ 264,000 | $ 67,000 |
| San Francisco, California | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Santa Clara, California | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Ventura, California | 1 | $ 1,595,000 | $ 1,595,000 | $ 328,000 |
| Adams, Colorado | 1 | $ 301,000 | $ 301,000 | $ 0 |
| Boulder, Colorado | 1 | $ 268,000 | $ 268,000 | $ 161,000 |
| Broomfield, Colorado | 1 | $ 417,000 | $ 417,000 | $ 722,000 |
| Eagle, Colorado | 1 | $ 175,000 | $ 175,000 | $ 28,000 |
| Grand, Colorado | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Hartford, Connecticut | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| New Haven, Connecticut | 1 | $ 239,000 | $ 239,000 | $ 99,000 |
| New London, Connecticut | 1 | $ 207,000 | $ 207,000 | $ 125,000 |
| Escambia, Florida | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Lake, Florida | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Nassau, Florida | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 277,000 | $ 277,000 | $ 77,000 |
| Polk, Florida | 1 | $ 200,000 | $ 200,000 | $ 123,000 |
| Sarasota, Florida | 1 | $ 200,000 | $ 200,000 | $ 78,000 |
| Seminole, Florida | 1 | $ 410,000 | $ 410,000 | $ 159,000 |
| St. Johns, Florida | 1 | $ 150,000 | $ 150,000 | $ 157,000 |
| St. Lucie, Florida | 1 | $ 240,000 | $ 240,000 | $ 52,000 |
| Cherokee, Georgia | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Columbia, Georgia | 1 | $ 277,000 | $ 277,000 | $ 131,000 |
| DeKalb, Georgia | 1 | $ 349,000 | $ 349,000 | $ 150,000 |
| Houston, Georgia | 1 | $ 49,000 | $ 49,000 | $ 177,000 |
| Jackson, Georgia | 1 | $ 192,000 | $ 192,000 | $ 114,000 |
| Ada, Idaho | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Bonneville, Idaho | 1 | $ 371,000 | $ 371,000 | $ 131,000 |
| Lake, Illinois | 1 | $ 826,000 | $ 826,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Harrison, Indiana | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Lake, Indiana | 1 | $ 220,000 | $ 220,000 | $ 30,000 |
| Owen, Indiana | 1 | $ 297,000 | $ 297,000 | $ 128,000 |
| St. Joseph, Indiana | 1 | $ 308,000 | $ 308,000 | $ 188,000 |
| Jefferson, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Scott, Kentucky | 1 | $ 189,000 | $ 189,000 | $ 69,000 |
| Shelby, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| St. Tammany, Louisiana | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Cumberland, Maine | 1 | $ 262,000 | $ 262,000 | $ 161,000 |
| York, Maine | 1 | $ 297,000 | $ 297,000 | $ 165,000 |
| Allegany, Maryland | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Caroline, Maryland | 1 | $ 240,000 | $ 240,000 | $ 72,000 |
| Kent, Maryland | 1 | $ 177,000 | $ 177,000 | $ 71,000 |
| Somerset, Maryland | 1 | $ 113,000 | $ 113,000 | $ 167,000 |
| Franklin, Massachusetts | 1 | $ 268,000 | $ 268,000 | $ 132,000 |
| Norfolk, Massachusetts | 1 | $ 800,000 | $ 800,000 | $ 300,000 |
| Worcester, Massachusetts | 1 | $ 218,000 | $ 218,000 | $ 125,000 |
| Oakland, Michigan | 1 | $ 290,000 | $ 290,000 | $ 119,000 |
| Washtenaw, Michigan | 1 | $ 246,000 | $ 246,000 | $ 214,000 |
| McLeod, Minnesota | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Lowndes, Mississippi | 1 | $ 164,000 | $ 164,000 | $ 112,000 |
| Sarpy, Nebraska | 1 | $ 259,000 | $ 259,000 | $ 126,000 |
| Merrimack, New Hampshire | 1 | $ 378,000 | $ 378,000 | $ 130,000 |
| Hudson, New Jersey | 1 | $ 203,000 | $ 203,000 | $ 357,000 |
| Bronx, New York | 1 | $ 1,039,000 | $ 1,039,000 | $ 0 |
| Kings, New York | 1 | $ 687,000 | $ 687,000 | $ 0 |
| Nassau, New York | 1 | $ 417,000 | $ 417,000 | $ 176,000 |
| Richmond, New York | 1 | $ 368,000 | $ 368,000 | $ 90,000 |
| Beaufort, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Cabarrus, North Carolina | 1 | $ 321,000 | $ 321,000 | $ 120,000 |
| Cumberland, North Carolina | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Lincoln, North Carolina | 1 | $ 422,000 | $ 422,000 | $ 180,000 |
| Pitt, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Randolph, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 17,000 |
| Union, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 118,000 |
| Butler, Ohio | 1 | $ 477,000 | $ 477,000 | $ 0 |
| Lake, Ohio | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Washington, Oregon | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Fulton, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 168,000 |
| Lancaster, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 44,000 |
| Susquehanna, Pennsylvania | 1 | $ 101,000 | $ 101,000 | $ 100,000 |
| Westmoreland, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Washington, Rhode Island | 1 | $ 698,000 | $ 698,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 87,000 |
| Lexington, South Carolina | 1 | $ 76,000 | $ 76,000 | $ 47,000 |
| Pennington, South Dakota | 1 | $ 77,000 | $ 77,000 | $ 196,000 |
| Blount, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 81,000 |
| Cumberland, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Rutherford, Tennessee | 1 | $ 92,000 | $ 92,000 | $ 84,000 |
| Bexar, Texas | 1 | $ 259,000 | $ 259,000 | $ 151,000 |
| Brazos, Texas | 1 | $ 135,000 | $ 135,000 | $ 104,000 |
| Collin, Texas | 1 | $ 587,000 | $ 587,000 | $ 0 |
| Hunt, Texas | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Nueces, Texas | 1 | $ 303,000 | $ 303,000 | $ 0 |
| Smith, Texas | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Davis, Utah | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Augusta, Virginia | 1 | $ 213,000 | $ 213,000 | $ 120,000 |
| Bedford, Virginia | 1 | $ 396,000 | $ 396,000 | $ 483,000 |
| Botetourt, Virginia | 1 | $ 84,000 | $ 84,000 | $ 109,000 |
| Campbell, Virginia | 1 | $ 122,000 | $ 122,000 | $ 210,000 |
| Charles City, Virginia | 1 | $ 162,000 | $ 162,000 | $ 44,000 |
| Charlotte, Virginia | 1 | $ 123,000 | $ 123,000 | $ 44,000 |
| Danville, Virginia | 1 | $ 78,000 | $ 78,000 | $ 223,000 |
| Essex, Virginia | 1 | $ 93,000 | $ 93,000 | $ 55,000 |
| Goochland, Virginia | 1 | $ 272,000 | $ 272,000 | $ 63,000 |
| Hampton, Virginia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Isle of Wight, Virginia | 1 | $ 94,000 | $ 94,000 | $ 64,000 |
| King and Queen, Virginia | 1 | $ 110,000 | $ 110,000 | $ 67,000 |
| Madison, Virginia | 1 | $ 63,000 | $ 63,000 | $ 98,000 |
| Middlesex, Virginia | 1 | $ 225,000 | $ 225,000 | $ 143,000 |
| New Kent, Virginia | 1 | $ 200,000 | $ 200,000 | $ 68,000 |
| Nottoway, Virginia | 1 | $ 134,000 | $ 134,000 | $ 42,000 |
| Page, Virginia | 1 | $ 221,000 | $ 221,000 | $ 74,000 |
| Portsmouth, Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Prince Edward, Virginia | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Waynesboro, Virginia | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Westmoreland, Virginia | 1 | $ 178,000 | $ 178,000 | $ 67,000 |
| York, Virginia | 1 | $ 301,000 | $ 301,000 | $ 208,000 |
| Kitsap, Washington | 1 | $ 212,000 | $ 212,000 | $ 0 |
| San Juan, Washington | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Snohomish, Washington | 1 | $ 236,000 | $ 236,000 | $ 0 |
| Hampshire, West Virginia | 1 | $ 146,000 | $ 146,000 | $ 34,000 |
| Tucker, West Virginia | 1 | $ 175,000 | $ 175,000 | $ 211,000 |
| Outagamie, Wisconsin | 1 | $ 221,000 | $ 221,000 | $ 0 |
Mortgage Loan Application Detail Totals for Presidential Bank, FSB in 2016
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 | 3,684 | $1,055,829,000 | $286,000 | $2,857,000 | $115,000 | $5,126,000 |
| Refinancing | 1,655 | $559,420,000 | $338,000 | $1,500,000 | $124,000 | $1,737,000 |
| Home Improvement | 51 | $13,822,000 | $271,000 | $650,000 | $124,000 | $363,000 |
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 | 3,793 | $1,160,445,000 | $305,000 | $2,857,000 | $126,000 | $5,126,000 |
| Not Provided | 762 | $250,325,000 | $328,000 | $1,254,000 | $116,000 | $657,000 |
| Black or African American | 350 | $84,600,000 | $241,000 | $768,000 | $84,000 | $640,000 |
| Asian | 197 | $55,444,000 | $281,000 | $812,000 | $111,000 | $876,000 |
| Hispanic | 164 | $45,875,000 | $279,000 | $825,000 | $105,000 | $881,000 |
| Not applicable | 107 | $27,367,000 | $255,000 | $1,500,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 10 | $3,539,000 | $353,000 | $606,000 | $125,000 | $224,000 |
| American Indian or Alaskan Native | 7 | $1,476,000 | $210,000 | $383,000 | $88,000 | $164,000 |
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) | 3,356 | $1,018,812,000 | $303,000 | $2,857,000 | $142,000 | $5,126,000 |
| FHA-insured (Federal Housing Administration) | 966 | $218,343,000 | $226,000 | $619,000 | $72,000 | $356,000 |
| VA-guaranteed (Veterans Administration) | 879 | $351,899,000 | $400,000 | $1,595,000 | $89,000 | $506,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 189 | $40,017,000 | $211,000 | $418,000 | $62,000 | $137,000 |
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 | 4,680 | $1,423,742,000 | $304,000 | $2,857,000 | $120,000 | $5,126,000 |
| Application Withdrawn By Applicant | 260 | $80,849,000 | $310,000 | $1,390,000 | $139,000 | $2,352,000 |
| Application Denied By Financial Institution | 193 | $51,192,000 | $265,000 | $976,000 | $101,000 | $403,000 |
| Loan Purchased By The Institution | 96 | $21,240,000 | $221,000 | $1,039,000 | $0 | $0 |
| Application Approved But Not Accepted | 87 | $25,514,000 | $293,000 | $881,000 | $118,000 | $722,000 |
| File Closed For Incompleteness | 74 | $26,534,000 | $358,000 | $1,360,000 | $134,000 | $597,000 |
| 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 | 64 | $16,215,000 | $253,000 | $650,000 | $123,000 | $403,000 |
| Debt-To-Income Ratio | 41 | $11,318,000 | $276,000 | $605,000 | $77,000 | $196,000 |
| Credit History | 34 | $9,021,000 | $265,000 | $523,000 | $105,000 | $252,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $4,023,000 | $268,000 | $976,000 | $76,000 | $256,000 |
| Employment History | 14 | $3,067,000 | $219,000 | $404,000 | $60,000 | $302,000 |
| Credit Application Incomplete | 9 | $2,589,000 | $287,000 | $459,000 | $90,000 | $224,000 |
| Other | 9 | $2,829,000 | $314,000 | $745,000 | $132,000 | $243,000 |
| Unverifiable Information | 7 | $2,130,000 | $304,000 | $424,000 | $125,000 | $235,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, FSB's 2016 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, FSB'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.
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