Presidential Bank, FSB Mortgage Lending & HMDA Data, 2024
In 2024, Presidential Bank, FSB of Bethesda, MD reported 3,137 mortgage applications totaling $1.2 billion, up 79% from 2023. The average application was for $367,247, and applicants reported an average income of $143,397. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (449), Virginia Beach-Norfolk-Newport News, VA-NC (338) and Richmond, VA (280) (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 | 3,137 |
| Total Mortgage Loan Application Amount | $1,152,055,000 |
| Average Mortgage Loan Application Amount | $367,247 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $143,397 |
| Highest Applicant Income | $5,131,000 |
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(HMDA) records Presidential Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Virginia Beach, Virginia | 124 | $ 46,810,000 | $ 377,500 | $ 146,000 |
| Fulton, Georgia | 85 | $ 39,445,000 | $ 464,058 | $ 180,000 |
| Frederick, Maryland | 85 | $ 35,395,000 | $ 416,411 | $ 227,000 |
| Anne Arundel, Maryland | 83 | $ 38,855,000 | $ 468,132 | $ 173,000 |
| Accomack, Virginia | 75 | $ 18,195,000 | $ 242,600 | $ 119,000 |
| Camden, Georgia | 69 | $ 20,305,000 | $ 294,275 | $ 109,000 |
| Montgomery, Maryland | 68 | $ 37,980,000 | $ 558,529 | $ 221,000 |
| Chesterfield, Virginia | 68 | $ 22,520,000 | $ 331,176 | $ 125,000 |
| Fairfax, Virginia | 62 | $ 33,570,000 | $ 541,451 | $ 206,000 |
| Baltimore, Maryland | 55 | $ 17,825,000 | $ 324,090 | $ 105,000 |
| Dinwiddie, Virginia | 53 | $ 12,935,000 | $ 244,056 | $ 91,000 |
| Norfolk, Virginia | 51 | $ 16,915,000 | $ 331,666 | $ 127,000 |
| Chesapeake, Virginia | 49 | $ 18,365,000 | $ 374,795 | $ 132,000 |
| Henry, Georgia | 48 | $ 17,840,000 | $ 371,666 | $ 118,000 |
| Prince George, Virginia | 46 | $ 13,280,000 | $ 288,695 | $ 140,000 |
| Douglas, Georgia | 43 | $ 22,725,000 | $ 528,488 | $ 157,000 |
| Cobb, Georgia | 42 | $ 21,830,000 | $ 519,761 | $ 165,000 |
| Glynn, Georgia | 41 | $ 13,185,000 | $ 321,585 | $ 126,000 |
| DeKalb, Georgia | 38 | $ 9,360,000 | $ 246,315 | $ 94,000 |
| Gwinnett, Georgia | 38 | $ 14,570,000 | $ 383,421 | $ 137,000 |
| Prince George's, Maryland | 37 | $ 15,035,000 | $ 406,351 | $ 166,000 |
| Paulding, Georgia | 35 | $ 12,525,000 | $ 357,857 | $ 123,000 |
| Brunswick, North Carolina | 35 | $ 16,955,000 | $ 484,428 | $ 187,000 |
| Newton, Georgia | 32 | $ 12,060,000 | $ 376,875 | $ 124,000 |
| Walton, Georgia | 32 | $ 11,490,000 | $ 359,062 | $ 118,000 |
| Harnett, North Carolina | 32 | $ 8,390,000 | $ 262,187 | $ 92,000 |
| Washington, Maryland | 30 | $ 8,960,000 | $ 298,666 | $ 110,000 |
| New Hanover, North Carolina | 29 | $ 15,295,000 | $ 527,413 | $ 227,000 |
| Cherokee, Georgia | 27 | $ 11,555,000 | $ 427,962 | $ 180,000 |
| Suffolk, Virginia | 27 | $ 7,265,000 | $ 269,074 | $ 89,000 |
| Clayton, Georgia | 25 | $ 5,945,000 | $ 237,800 | $ 83,000 |
| Carroll, Maryland | 25 | $ 10,105,000 | $ 404,200 | $ 140,000 |
| Howard, Maryland | 25 | $ 16,755,000 | $ 670,200 | $ 233,000 |
| Portsmouth, Virginia | 25 | $ 6,005,000 | $ 240,200 | $ 95,000 |
| Henrico, Virginia | 24 | $ 6,350,000 | $ 264,583 | $ 135,000 |
| Jefferson, Alabama | 23 | $ 5,925,000 | $ 257,608 | $ 91,000 |
| Greenville, South Carolina | 23 | $ 7,165,000 | $ 311,521 | $ 107,000 |
| Coweta, Georgia | 22 | $ 8,780,000 | $ 399,090 | $ 165,000 |
| Bucks, Pennsylvania | 22 | $ 7,050,000 | $ 320,454 | $ 187,000 |
| Newport News, Virginia | 22 | $ 4,800,000 | $ 218,181 | $ 110,000 |
| Loudoun, Virginia | 21 | $ 10,695,000 | $ 509,285 | $ 159,000 |
| District of Columbia, District Of Columbia | 20 | $ 12,610,000 | $ 630,500 | $ 229,000 |
| Fayette, Georgia | 19 | $ 8,905,000 | $ 468,684 | $ 194,000 |
| Spartanburg, South Carolina | 19 | $ 4,365,000 | $ 229,736 | $ 69,000 |
| Hampton, Virginia | 19 | $ 5,255,000 | $ 276,578 | $ 97,000 |
| Hopewell, Virginia | 19 | $ 4,375,000 | $ 230,263 | $ 91,000 |
| Prince William, Virginia | 19 | $ 10,285,000 | $ 541,315 | $ 158,000 |
| Highlands, Florida | 18 | $ 3,890,000 | $ 216,111 | $ 105,000 |
| Cumberland, North Carolina | 18 | $ 3,250,000 | $ 180,555 | $ 69,000 |
| Colonial Heights, Virginia | 18 | $ 3,880,000 | $ 215,555 | $ 84,000 |
| Spalding, Georgia | 17 | $ 4,245,000 | $ 249,705 | $ 94,000 |
| Bartow, Georgia | 16 | $ 3,630,000 | $ 226,875 | $ 138,000 |
| Baltimore City, Maryland | 16 | $ 4,560,000 | $ 285,000 | $ 123,000 |
| Pasquotank, North Carolina | 16 | $ 4,540,000 | $ 283,750 | $ 98,000 |
| Pinellas, Florida | 15 | $ 5,105,000 | $ 340,333 | $ 223,000 |
| Volusia, Florida | 15 | $ 4,165,000 | $ 277,666 | $ 99,000 |
| Rockdale, Georgia | 15 | $ 5,755,000 | $ 383,666 | $ 118,000 |
| St. Mary's, Maryland | 14 | $ 6,510,000 | $ 465,000 | $ 192,000 |
| Petersburg, Virginia | 14 | $ 2,830,000 | $ 202,142 | $ 90,000 |
| Hall, Georgia | 13 | $ 4,905,000 | $ 377,307 | $ 143,000 |
| Richmond City, Virginia | 13 | $ 3,535,000 | $ 271,923 | $ 119,000 |
| Flagler, Florida | 12 | $ 3,370,000 | $ 280,833 | $ 121,000 |
| Montgomery, Pennsylvania | 12 | $ 5,120,000 | $ 426,666 | $ 151,000 |
| Sarasota, Florida | 11 | $ 3,375,000 | $ 306,818 | $ 110,000 |
| Atlantic, New Jersey | 11 | $ 2,965,000 | $ 269,545 | $ 133,000 |
| Pender, North Carolina | 11 | $ 5,005,000 | $ 455,000 | $ 163,000 |
| Barrow, Georgia | 10 | $ 3,760,000 | $ 376,000 | $ 93,000 |
| Wake, North Carolina | 10 | $ 3,640,000 | $ 364,000 | $ 117,000 |
| Arlington, Virginia | 10 | $ 5,490,000 | $ 549,000 | $ 199,000 |
| Northampton, Virginia | 10 | $ 2,630,000 | $ 263,000 | $ 108,000 |
| Stafford, Virginia | 10 | $ 4,440,000 | $ 444,000 | $ 115,000 |
| Sussex, Virginia | 10 | $ 2,550,000 | $ 255,000 | $ 127,000 |
| Sussex, Delaware | 9 | $ 3,205,000 | $ 356,111 | $ 202,000 |
| Oconee, Georgia | 9 | $ 3,755,000 | $ 417,222 | $ 139,000 |
| Charles, Maryland | 9 | $ 4,095,000 | $ 455,000 | $ 149,000 |
| Harford, Maryland | 9 | $ 3,995,000 | $ 443,888 | $ 120,000 |
| Franklin, Pennsylvania | 9 | $ 2,455,000 | $ 272,777 | $ 106,000 |
| Beaufort, South Carolina | 9 | $ 3,805,000 | $ 422,777 | $ 163,000 |
| Hillsborough, Florida | 8 | $ 2,890,000 | $ 361,250 | $ 222,000 |
| Brantley, Georgia | 8 | $ 1,700,000 | $ 212,500 | $ 120,000 |
| Chatham, Georgia | 8 | $ 2,420,000 | $ 302,500 | $ 112,000 |
| McIntosh, Georgia | 8 | $ 1,950,000 | $ 243,750 | $ 93,000 |
| Barnstable, Massachusetts | 8 | $ 4,700,000 | $ 587,500 | $ 180,000 |
| Harris, Texas | 8 | $ 3,210,000 | $ 401,250 | $ 282,000 |
| Spotsylvania, Virginia | 8 | $ 2,890,000 | $ 361,250 | $ 130,000 |
| Duval, Florida | 7 | $ 1,935,000 | $ 276,428 | $ 111,000 |
| Palm Beach, Florida | 7 | $ 4,815,000 | $ 687,857 | $ 449,000 |
| Columbia, Georgia | 7 | $ 1,915,000 | $ 273,571 | $ 101,000 |
| Jackson, Georgia | 7 | $ 2,595,000 | $ 370,714 | $ 124,000 |
| Richmond, Georgia | 7 | $ 785,000 | $ 112,142 | $ 60,000 |
| Worcester, Maryland | 7 | $ 1,955,000 | $ 279,285 | $ 286,000 |
| Jackson, Missouri | 7 | $ 1,215,000 | $ 173,571 | $ 75,000 |
| Cape May, New Jersey | 7 | $ 2,765,000 | $ 395,000 | $ 125,000 |
| Onslow, North Carolina | 7 | $ 1,995,000 | $ 285,000 | $ 126,000 |
| Watauga, North Carolina | 7 | $ 1,905,000 | $ 272,142 | $ 139,000 |
| Anderson, South Carolina | 7 | $ 1,535,000 | $ 219,285 | $ 65,000 |
| Dorchester, South Carolina | 7 | $ 2,445,000 | $ 349,285 | $ 171,000 |
| Mecklenburg, Virginia | 7 | $ 1,035,000 | $ 147,857 | $ 81,000 |
| Jefferson, West Virginia | 7 | $ 2,395,000 | $ 342,142 | $ 109,000 |
| Blount, Alabama | 6 | $ 2,790,000 | $ 465,000 | $ 68,000 |
| Manatee, Florida | 6 | $ 1,860,000 | $ 310,000 | $ 153,000 |
| Nassau, Florida | 6 | $ 2,210,000 | $ 368,333 | $ 152,000 |
| Carroll, Georgia | 6 | $ 1,810,000 | $ 301,666 | $ 108,000 |
| Forsyth, Georgia | 6 | $ 2,480,000 | $ 413,333 | $ 156,000 |
| Jasper, Georgia | 6 | $ 1,850,000 | $ 308,333 | $ 118,000 |
| Troup, Georgia | 6 | $ 930,000 | $ 155,000 | $ 120,000 |
| Calvert, Maryland | 6 | $ 3,560,000 | $ 593,333 | $ 216,000 |
| Johnston, North Carolina | 6 | $ 1,670,000 | $ 278,333 | $ 80,000 |
| Stark, North Dakota | 6 | $ 1,650,000 | $ 275,000 | $ 96,000 |
| York, Pennsylvania | 6 | $ 1,920,000 | $ 320,000 | $ 126,000 |
| Cherokee, South Carolina | 6 | $ 960,000 | $ 160,000 | $ 63,000 |
| Horry, South Carolina | 6 | $ 1,450,000 | $ 241,666 | $ 129,000 |
| Louisa, Virginia | 6 | $ 3,040,000 | $ 506,666 | $ 213,000 |
| Southampton, Virginia | 6 | $ 1,350,000 | $ 225,000 | $ 104,000 |
| Mobile, Alabama | 5 | $ 1,155,000 | $ 231,000 | $ 68,000 |
| Lee, Florida | 5 | $ 1,735,000 | $ 347,000 | $ 170,000 |
| Orange, Florida | 5 | $ 1,645,000 | $ 329,000 | $ 194,000 |
| Houston, Georgia | 5 | $ 1,355,000 | $ 271,000 | $ 116,000 |
| Putnam, Georgia | 5 | $ 2,065,000 | $ 413,000 | $ 357,000 |
| Queen Anne's, Maryland | 5 | $ 2,215,000 | $ 443,000 | $ 159,000 |
| Currituck, North Carolina | 5 | $ 2,305,000 | $ 461,000 | $ 184,000 |
| Sampson, North Carolina | 5 | $ 1,055,000 | $ 211,000 | $ 77,000 |
| Adams, Pennsylvania | 5 | $ 1,725,000 | $ 345,000 | $ 137,000 |
| Philadelphia, Pennsylvania | 5 | $ 1,485,000 | $ 297,000 | $ 119,000 |
| Oconee, South Carolina | 5 | $ 2,245,000 | $ 449,000 | $ 166,000 |
| Nueces, Texas | 5 | $ 1,705,000 | $ 341,000 | $ 152,000 |
| Albemarle, Virginia | 5 | $ 2,045,000 | $ 409,000 | $ 133,000 |
| Fauquier, Virginia | 5 | $ 2,525,000 | $ 505,000 | $ 115,000 |
| Isle of Wight, Virginia | 5 | $ 2,035,000 | $ 407,000 | $ 162,000 |
| Shenandoah, Virginia | 5 | $ 1,225,000 | $ 245,000 | $ 109,000 |
| Shelby, Alabama | 4 | $ 1,270,000 | $ 317,500 | $ 120,000 |
| Maricopa, Arizona | 4 | $ 5,090,000 | $ 1,272,500 | $ 572,000 |
| Los Angeles, California | 4 | $ 2,740,000 | $ 685,000 | $ 277,000 |
| Brevard, Florida | 4 | $ 1,470,000 | $ 367,500 | $ 137,000 |
| Broward, Florida | 4 | $ 1,900,000 | $ 475,000 | $ 218,000 |
| Franklin, Georgia | 4 | $ 1,000,000 | $ 250,000 | $ 94,000 |
| Muscogee, Georgia | 4 | $ 650,000 | $ 162,500 | $ 73,000 |
| Pike, Georgia | 4 | $ 1,450,000 | $ 362,500 | $ 125,000 |
| Johnson, Kansas | 4 | $ 1,130,000 | $ 282,500 | $ 89,000 |
| Ocean, New Jersey | 4 | $ 790,000 | $ 197,500 | $ 66,000 |
| Avery, North Carolina | 4 | $ 2,520,000 | $ 630,000 | $ 188,000 |
| Dare, North Carolina | 4 | $ 1,480,000 | $ 370,000 | $ 135,000 |
| Lee, North Carolina | 4 | $ 1,010,000 | $ 252,500 | $ 147,000 |
| Dallas, Texas | 4 | $ 2,260,000 | $ 565,000 | $ 284,000 |
| Alexandria, Virginia | 4 | $ 1,680,000 | $ 420,000 | $ 221,000 |
| Hanover, Virginia | 4 | $ 1,240,000 | $ 310,000 | $ 103,000 |
| Berkeley, West Virginia | 4 | $ 1,550,000 | $ 387,500 | $ 186,000 |
| Baldwin, Alabama | 3 | $ 875,000 | $ 291,666 | $ 90,000 |
| Morgan, Alabama | 3 | $ 965,000 | $ 321,666 | $ 118,000 |
| St. Clair, Alabama | 3 | $ 845,000 | $ 281,666 | $ 105,000 |
| Tuscaloosa, Alabama | 3 | $ 585,000 | $ 195,000 | $ 172,000 |
| Southeastern Connecticut Planning Region, Connecticut | 3 | $ 1,625,000 | $ 541,666 | $ 149,000 |
| Clay, Florida | 3 | $ 1,015,000 | $ 338,333 | $ 108,000 |
| Marion, Florida | 3 | $ 2,655,000 | $ 885,000 | $ 244,000 |
| Miami-Dade, Florida | 3 | $ 1,485,000 | $ 495,000 | $ 145,000 |
| Pasco, Florida | 3 | $ 1,095,000 | $ 365,000 | $ 164,000 |
| Seminole, Florida | 3 | $ 995,000 | $ 331,666 | $ 180,000 |
| Gordon, Georgia | 3 | $ 775,000 | $ 258,333 | $ 90,000 |
| Wayne, Georgia | 3 | $ 655,000 | $ 218,333 | $ 75,000 |
| Talbot, Maryland | 3 | $ 1,195,000 | $ 398,333 | $ 131,000 |
| Essex, Massachusetts | 3 | $ 2,995,000 | $ 998,333 | $ 334,000 |
| Plymouth, Massachusetts | 3 | $ 1,875,000 | $ 625,000 | $ 143,000 |
| Burlington, New Jersey | 3 | $ 915,000 | $ 305,000 | $ 120,000 |
| Middlesex, New Jersey | 3 | $ 645,000 | $ 215,000 | $ 78,000 |
| Monmouth, New Jersey | 3 | $ 1,495,000 | $ 498,333 | $ 151,000 |
| Nassau, New York | 3 | $ 1,105,000 | $ 368,333 | $ 181,000 |
| Caldwell, North Carolina | 3 | $ 575,000 | $ 191,666 | $ 92,000 |
| Camden, North Carolina | 3 | $ 925,000 | $ 308,333 | $ 137,000 |
| Columbus, North Carolina | 3 | $ 495,000 | $ 165,000 | $ 61,000 |
| Mecklenburg, North Carolina | 3 | $ 1,325,000 | $ 441,666 | $ 177,000 |
| Moore, North Carolina | 3 | $ 1,155,000 | $ 385,000 | $ 199,000 |
| Clackamas, Oregon | 3 | $ 1,195,000 | $ 398,333 | $ 104,000 |
| Berkeley, South Carolina | 3 | $ 1,455,000 | $ 485,000 | $ 207,000 |
| Jasper, South Carolina | 3 | $ 1,075,000 | $ 358,333 | $ 163,000 |
| Laurens, South Carolina | 3 | $ 1,055,000 | $ 351,666 | $ 111,000 |
| Pickens, South Carolina | 3 | $ 905,000 | $ 301,666 | $ 80,000 |
| Richland, South Carolina | 3 | $ 1,405,000 | $ 468,333 | $ 197,000 |
| Montgomery, Tennessee | 3 | $ 1,045,000 | $ 348,333 | $ 94,000 |
| Salt Lake, Utah | 3 | $ 1,705,000 | $ 568,333 | $ 117,000 |
| Amelia, Virginia | 3 | $ 715,000 | $ 238,333 | $ 108,000 |
| Brunswick, Virginia | 3 | $ 505,000 | $ 168,333 | $ 86,000 |
| Greensville, Virginia | 3 | $ 545,000 | $ 181,666 | $ 101,000 |
| James City, Virginia | 3 | $ 995,000 | $ 331,666 | $ 212,000 |
| Manassas, Virginia | 3 | $ 1,195,000 | $ 398,333 | $ 113,000 |
| Manassas Park, Virginia | 3 | $ 1,495,000 | $ 498,333 | $ 127,000 |
| Orange, Virginia | 3 | $ 1,085,000 | $ 361,666 | $ 105,000 |
| Powhatan, Virginia | 3 | $ 595,000 | $ 198,333 | $ 114,000 |
| Prince Edward, Virginia | 3 | $ 285,000 | $ 95,000 | $ 29,000 |
| Bibb, Alabama | 2 | $ 490,000 | $ 245,000 | $ 111,000 |
| Houston, Alabama | 2 | $ 700,000 | $ 350,000 | $ 158,000 |
| Lee, Alabama | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Lonoke, Arkansas | 2 | $ 650,000 | $ 325,000 | $ 106,000 |
| El Paso, Colorado | 2 | $ 610,000 | $ 305,000 | $ 116,000 |
| Bay, Florida | 2 | $ 780,000 | $ 390,000 | $ 123,000 |
| Charlotte, Florida | 2 | $ 740,000 | $ 370,000 | $ 140,000 |
| DeSoto, Florida | 2 | $ 300,000 | $ 150,000 | $ 96,000 |
| Hernando, Florida | 2 | $ 500,000 | $ 250,000 | $ 57,000 |
| Lake, Florida | 2 | $ 970,000 | $ 485,000 | $ 181,000 |
| Leon, Florida | 2 | $ 660,000 | $ 330,000 | $ 135,000 |
| Polk, Florida | 2 | $ 820,000 | $ 410,000 | $ 214,000 |
| Bacon, Georgia | 2 | $ 380,000 | $ 190,000 | $ 69,000 |
| Butts, Georgia | 2 | $ 230,000 | $ 115,000 | $ 74,000 |
| Charlton, Georgia | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Clarke, Georgia | 2 | $ 620,000 | $ 310,000 | $ 99,000 |
| Gilmer, Georgia | 2 | $ 1,180,000 | $ 590,000 | $ 149,000 |
| Lanier, Georgia | 2 | $ 490,000 | $ 245,000 | $ 28,000 |
| Liberty, Georgia | 2 | $ 750,000 | $ 375,000 | $ 97,000 |
| Madison, Georgia | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Pierce, Georgia | 2 | $ 360,000 | $ 180,000 | $ 87,000 |
| Talbot, Georgia | 2 | $ 210,000 | $ 105,000 | $ 63,000 |
| Toombs, Georgia | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Upson, Georgia | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Ware, Georgia | 2 | $ 210,000 | $ 105,000 | $ 55,000 |
| Honolulu, Hawaii | 2 | $ 760,000 | $ 380,000 | $ 175,000 |
| Cook, Illinois | 2 | $ 320,000 | $ 160,000 | $ 98,000 |
| Jefferson, Kentucky | 2 | $ 810,000 | $ 405,000 | $ 138,000 |
| McCracken, Kentucky | 2 | $ 1,900,000 | $ 950,000 | $ 88,000 |
| Lafayette, Louisiana | 2 | $ 460,000 | $ 230,000 | $ 378,000 |
| Orleans, Louisiana | 2 | $ 620,000 | $ 310,000 | $ 130,000 |
| Cumberland, Maine | 2 | $ 670,000 | $ 335,000 | $ 202,000 |
| Cecil, Maryland | 2 | $ 680,000 | $ 340,000 | $ 93,000 |
| Dorchester, Maryland | 2 | $ 520,000 | $ 260,000 | $ 309,000 |
| Wicomico, Maryland | 2 | $ 320,000 | $ 160,000 | $ 42,000 |
| Cass, Missouri | 2 | $ 550,000 | $ 275,000 | $ 114,000 |
| Strafford, New Hampshire | 2 | $ 830,000 | $ 415,000 | $ 154,000 |
| Camden, New Jersey | 2 | $ 270,000 | $ 135,000 | $ 137,000 |
| Westchester, New York | 2 | $ 1,080,000 | $ 540,000 | $ 186,000 |
| Alleghany, North Carolina | 2 | $ 190,000 | $ 95,000 | $ 64,000 |
| Ashe, North Carolina | 2 | $ 480,000 | $ 240,000 | $ 107,000 |
| Buncombe, North Carolina | 2 | $ 700,000 | $ 350,000 | $ 180,000 |
| Catawba, North Carolina | 2 | $ 960,000 | $ 480,000 | $ 70,000 |
| Duplin, North Carolina | 2 | $ 180,000 | $ 90,000 | $ 44,000 |
| Pitt, North Carolina | 2 | $ 450,000 | $ 225,000 | $ 142,000 |
| Randolph, North Carolina | 2 | $ 840,000 | $ 420,000 | $ 151,000 |
| Union, North Carolina | 2 | $ 920,000 | $ 460,000 | $ 203,000 |
| Burleigh, North Dakota | 2 | $ 650,000 | $ 325,000 | $ 159,000 |
| Belmont, Ohio | 2 | $ 550,000 | $ 275,000 | $ 85,000 |
| Providence, Rhode Island | 2 | $ 700,000 | $ 350,000 | $ 151,000 |
| Sumner, Tennessee | 2 | $ 1,430,000 | $ 715,000 | $ 325,000 |
| Galveston, Texas | 2 | $ 590,000 | $ 295,000 | $ 148,000 |
| Kaufman, Texas | 2 | $ 610,000 | $ 305,000 | $ 125,000 |
| Williamson, Texas | 2 | $ 1,250,000 | $ 625,000 | $ 260,000 |
| Rutland, Vermont | 2 | $ 1,260,000 | $ 630,000 | $ 217,000 |
| Culpeper, Virginia | 2 | $ 830,000 | $ 415,000 | $ 168,000 |
| Frederick, Virginia | 2 | $ 510,000 | $ 255,000 | $ 130,000 |
| Gloucester, Virginia | 2 | $ 830,000 | $ 415,000 | $ 110,000 |
| Goochland, Virginia | 2 | $ 1,150,000 | $ 575,000 | $ 138,000 |
| Greene, Virginia | 2 | $ 1,300,000 | $ 650,000 | $ 173,000 |
| Middlesex, Virginia | 2 | $ 970,000 | $ 485,000 | $ 498,000 |
| Nottoway, Virginia | 2 | $ 620,000 | $ 310,000 | $ 144,000 |
| Page, Virginia | 2 | $ 480,000 | $ 240,000 | $ 222,000 |
| Waynesboro, Virginia | 2 | $ 310,000 | $ 155,000 | $ 103,000 |
| Westmoreland, Virginia | 2 | $ 580,000 | $ 290,000 | $ 82,000 |
| Clallam, Washington | 2 | $ 860,000 | $ 430,000 | $ 152,000 |
| King, Washington | 2 | $ 1,190,000 | $ 595,000 | $ 268,000 |
| Preston, West Virginia | 2 | $ 2,480,000 | $ 1,240,000 | $ 373,000 |
| Clarke, Alabama | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Randolph, Alabama | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Walker, Alabama | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Cochise, Arizona | 1 | $ 355,000 | $ 355,000 | $ 86,000 |
| Pinal, Arizona | 1 | $ 345,000 | $ 345,000 | $ 187,000 |
| Pulaski, Arkansas | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Saline, Arkansas | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Solano, California | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Capitol Planning Region, Connecticut | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Northwest Hills Planning Region, Connecticut | 1 | $ 405,000 | $ 405,000 | $ 297,000 |
| New Castle, Delaware | 1 | $ 265,000 | $ 265,000 | $ 157,000 |
| Citrus, Florida | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Escambia, Florida | 1 | $ 615,000 | $ 615,000 | $ 121,000 |
| Indian River, Florida | 1 | $ 155,000 | $ 155,000 | $ 156,000 |
| Martin, Florida | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Okaloosa, Florida | 1 | $ 375,000 | $ 375,000 | $ 400,000 |
| Okeechobee, Florida | 1 | $ 245,000 | $ 245,000 | $ 84,000 |
| Suwannee, Florida | 1 | $ 295,000 | $ 295,000 | $ 134,000 |
| Walton, Florida | 1 | $ 565,000 | $ 565,000 | $ 362,000 |
| Appling, Georgia | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Baldwin, Georgia | 1 | $ 225,000 | $ 225,000 | $ 335,000 |
| Bibb, Georgia | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Bleckley, Georgia | 1 | $ 195,000 | $ 195,000 | $ 126,000 |
| Bryan, Georgia | 1 | $ 405,000 | $ 405,000 | $ 152,000 |
| Bulloch, Georgia | 1 | $ 2,175,000 | $ 2,175,000 | $ 0 |
| Candler, Georgia | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Dougherty, Georgia | 1 | $ 175,000 | $ 175,000 | $ 39,000 |
| Harris, Georgia | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Jones, Georgia | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Meriwether, Georgia | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Monroe, Georgia | 1 | $ 295,000 | $ 295,000 | $ 152,000 |
| Stephens, Georgia | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Terrell, Georgia | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| White, Georgia | 1 | $ 405,000 | $ 405,000 | $ 148,000 |
| Whitfield, Georgia | 1 | $ 355,000 | $ 355,000 | $ 140,000 |
| DuPage, Illinois | 1 | $ 755,000 | $ 755,000 | $ 430,000 |
| Madison, Illinois | 1 | $ 755,000 | $ 755,000 | $ 0 |
| St. Clair, Illinois | 1 | $ 375,000 | $ 375,000 | $ 163,000 |
| Allen, Indiana | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Lake, Indiana | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Black Hawk, Iowa | 1 | $ 195,000 | $ 195,000 | $ 115,000 |
| Butler, Kansas | 1 | $ 385,000 | $ 385,000 | $ 105,000 |
| Leavenworth, Kansas | 1 | $ 215,000 | $ 215,000 | $ 106,000 |
| Boone, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 51,000 |
| Christian, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| Scott, Kentucky | 1 | $ 405,000 | $ 405,000 | $ 175,000 |
| East Baton Rouge, Louisiana | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Rapides, Louisiana | 1 | $ 175,000 | $ 175,000 | $ 89,000 |
| Androscoggin, Maine | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Oxford, Maine | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Sagadahoc, Maine | 1 | $ 475,000 | $ 475,000 | $ 252,000 |
| York, Maine | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Caroline, Maryland | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Garrett, Maryland | 1 | $ 635,000 | $ 635,000 | $ 324,000 |
| Somerset, Maryland | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Worcester, Massachusetts | 1 | $ 1,105,000 | $ 1,105,000 | $ 462,000 |
| Berrien, Michigan | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Grand Traverse, Michigan | 1 | $ 385,000 | $ 385,000 | $ 97,000 |
| Hillsdale, Michigan | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Newaygo, Michigan | 1 | $ 185,000 | $ 185,000 | $ 145,000 |
| Oakland, Michigan | 1 | $ 535,000 | $ 535,000 | $ 280,000 |
| St. Louis, Minnesota | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Hancock, Mississippi | 1 | $ 725,000 | $ 725,000 | $ 385,000 |
| Hinds, Mississippi | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Pearl River, Mississippi | 1 | $ 565,000 | $ 565,000 | $ 120,000 |
| Clay, Missouri | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Cole, Missouri | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Henry, Missouri | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Johnson, Missouri | 1 | $ 275,000 | $ 275,000 | $ 118,000 |
| Lafayette, Missouri | 1 | $ 415,000 | $ 415,000 | $ 130,000 |
| Morgan, Missouri | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Newton, Missouri | 1 | $ 355,000 | $ 355,000 | $ 106,000 |
| Lake, Montana | 1 | $ 875,000 | $ 875,000 | $ 231,000 |
| Clark, Nevada | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Carroll, New Hampshire | 1 | $ 435,000 | $ 435,000 | $ 310,000 |
| Cheshire, New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Sullivan, New Hampshire | 1 | $ 435,000 | $ 435,000 | $ 158,000 |
| Bergen, New Jersey | 1 | $ 435,000 | $ 435,000 | $ 94,000 |
| Gloucester, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 48,000 |
| Hudson, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Union, New Jersey | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Bernalillo, New Mexico | 1 | $ 715,000 | $ 715,000 | $ 261,000 |
| Bronx, New York | 1 | $ 675,000 | $ 675,000 | $ 479,000 |
| Broome, New York | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Erie, New York | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| New York, New York | 1 | $ 585,000 | $ 585,000 | $ 126,000 |
| Onondaga, New York | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Orange, New York | 1 | $ 445,000 | $ 445,000 | $ 275,000 |
| Putnam, New York | 1 | $ 375,000 | $ 375,000 | $ 131,000 |
| Richmond, New York | 1 | $ 435,000 | $ 435,000 | $ 91,000 |
| Suffolk, New York | 1 | $ 205,000 | $ 205,000 | $ 164,000 |
| Carteret, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 80,000 |
| Chowan, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 84,000 |
| Clay, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Davie, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Durham, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Edgecombe, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Gaston, North Carolina | 1 | $ 385,000 | $ 385,000 | $ 118,000 |
| Granville, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Guilford, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Hoke, North Carolina | 1 | $ 225,000 | $ 225,000 | $ 42,000 |
| Lenoir, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Nash, North Carolina | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Perquimans, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 107,000 |
| Polk, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 70,000 |
| Dunn, North Dakota | 1 | $ 615,000 | $ 615,000 | $ 226,000 |
| Hettinger, North Dakota | 1 | $ 165,000 | $ 165,000 | $ 92,000 |
| Morton, North Dakota | 1 | $ 95,000 | $ 95,000 | $ 157,000 |
| Auglaize, Ohio | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Brown, Ohio | 1 | $ 365,000 | $ 365,000 | $ 85,000 |
| Cuyahoga, Ohio | 1 | $ 175,000 | $ 175,000 | $ 114,000 |
| Greene, Ohio | 1 | $ 295,000 | $ 295,000 | $ 67,000 |
| Logan, Ohio | 1 | $ 345,000 | $ 345,000 | $ 92,000 |
| Mahoning, Ohio | 1 | $ 335,000 | $ 335,000 | $ 95,000 |
| Marion, Ohio | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Miami, Ohio | 1 | $ 275,000 | $ 275,000 | $ 97,000 |
| Paulding, Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Summit, Ohio | 1 | $ 65,000 | $ 65,000 | $ 175,000 |
| Coos, Oregon | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| Linn, Oregon | 1 | $ 375,000 | $ 375,000 | $ 232,000 |
| Berks, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Bradford, Pennsylvania | 1 | $ 245,000 | $ 245,000 | $ 171,000 |
| Cambria, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Carbon, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 310,000 |
| Chester, Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Clearfield, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 68,000 |
| Columbia, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 57,000 |
| Delaware, Pennsylvania | 1 | $ 415,000 | $ 415,000 | $ 114,000 |
| Somerset, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 200,000 |
| Washington, Pennsylvania | 1 | $ 395,000 | $ 395,000 | $ 99,000 |
| Bristol, Rhode Island | 1 | $ 305,000 | $ 305,000 | $ 395,000 |
| Aiken, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Charleston, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Georgetown, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 144,000 |
| Kershaw, South Carolina | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Lancaster, South Carolina | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| York, South Carolina | 1 | $ 735,000 | $ 735,000 | $ 325,000 |
| Bradley, Tennessee | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Claiborne, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Coffee, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Davidson, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 240,000 |
| Dickson, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 527,000 |
| Hamilton, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 187,000 |
| Jefferson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Johnson, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Knox, Tennessee | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Loudon, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 51,000 |
| Roane, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Rutherford, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 143,000 |
| Shelby, Tennessee | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Denton, Texas | 1 | $ 325,000 | $ 325,000 | $ 125,000 |
| El Paso, Texas | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Hidalgo, Texas | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| San Patricio, Texas | 1 | $ 265,000 | $ 265,000 | $ 117,000 |
| Wise, Texas | 1 | $ 385,000 | $ 385,000 | $ 168,000 |
| Davis, Utah | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Amherst, Virginia | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Bedford, Virginia | 1 | $ 135,000 | $ 135,000 | $ 379,000 |
| Buckingham, Virginia | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Charles City, Virginia | 1 | $ 365,000 | $ 365,000 | $ 152,000 |
| Charlottesville, Virginia | 1 | $ 205,000 | $ 205,000 | $ 136,000 |
| Clarke, Virginia | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Cumberland, Virginia | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Emporia, Virginia | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Fluvanna, Virginia | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Halifax, Virginia | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| King George, Virginia | 1 | $ 345,000 | $ 345,000 | $ 77,000 |
| King William, Virginia | 1 | $ 365,000 | $ 365,000 | $ 88,000 |
| Lancaster, Virginia | 1 | $ 535,000 | $ 535,000 | $ 319,000 |
| Mathews, Virginia | 1 | $ 275,000 | $ 275,000 | $ 69,000 |
| Nelson, Virginia | 1 | $ 125,000 | $ 125,000 | $ 361,000 |
| New Kent, Virginia | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Poquoson, Virginia | 1 | $ 225,000 | $ 225,000 | $ 69,000 |
| Rappahannock, Virginia | 1 | $ 1,505,000 | $ 1,505,000 | $ 2,511,000 |
| Roanoke City, Virginia | 1 | $ 535,000 | $ 535,000 | $ 177,000 |
| Staunton, Virginia | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Surry, Virginia | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Clark, Washington | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Boone, West Virginia | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Cabell, West Virginia | 1 | $ 165,000 | $ 165,000 | $ 65,000 |
| Hampshire, West Virginia | 1 | $ 565,000 | $ 565,000 | $ 294,000 |
| Lewis, West Virginia | 1 | $ 375,000 | $ 375,000 | $ 259,000 |
| Mineral, West Virginia | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| Randolph, West Virginia | 1 | $ 405,000 | $ 405,000 | $ 100,000 |
| Tucker, West Virginia | 1 | $ 365,000 | $ 365,000 | $ 190,000 |
| Douglas, Wisconsin | 1 | $ 275,000 | $ 275,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, FSB in 2024
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 | 2,831 | $1,031,815,000 | $364,000 | $4,005,000 | $143,000 | $5,131,000 |
| Cash-out Refinancing | 178 | $65,360,000 | $367,000 | $1,925,000 | $161,000 | $1,303,000 |
| Refinancing | 126 | $53,890,000 | $427,000 | $2,055,000 | $127,000 | $465,000 |
| Other Purpose | 1 | $705,000 | $705,000 | $705,000 | $210,000 | $210,000 |
| Home Improvement | 1 | $285,000 | $285,000 | $285,000 | $135,000 | $135,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,719 | $608,905,000 | $354,000 | $2,485,000 | $146,000 | $2,511,000 |
| Not Provided | 573 | $223,595,000 | $390,000 | $2,165,000 | $161,000 | $5,131,000 |
| Black or African American | 480 | $165,660,000 | $345,000 | $1,755,000 | $118,000 | $746,000 |
| Hispanic | 188 | $64,230,000 | $341,000 | $1,275,000 | $127,000 | $838,000 |
| Asian | 146 | $58,320,000 | $399,000 | $1,565,000 | $151,000 | $609,000 |
| Not applicable | 19 | $25,695,000 | $1,352,000 | $4,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $4,230,000 | $423,000 | $675,000 | $244,000 | $1,395,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,420,000 | $710,000 | $1,125,000 | $158,000 | $237,000 |
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) | 1,729 | $641,165,000 | $370,000 | $4,005,000 | $166,000 | $5,131,000 |
| FHA-insured (Federal Housing Administration) | 738 | $241,400,000 | $327,000 | $1,165,000 | $108,000 | $1,543,000 |
| VA-guaranteed (Veterans Administration) | 626 | $259,040,000 | $413,000 | $1,305,000 | $128,000 | $463,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $10,450,000 | $237,000 | $375,000 | $80,000 | $111,000 |
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 | 2,530 | $940,750,000 | $371,000 | $4,005,000 | $145,000 | $2,511,000 |
| Application Withdrawn By Applicant | 444 | $152,810,000 | $344,000 | $2,105,000 | $145,000 | $5,131,000 |
| Application Denied By Financial Institution | 113 | $41,775,000 | $369,000 | $2,005,000 | $124,000 | $577,000 |
| Application Approved But Not Accepted | 29 | $8,705,000 | $300,000 | $945,000 | $106,000 | $274,000 |
| File Closed For Incompleteness | 15 | $5,855,000 | $390,000 | $865,000 | $170,000 | $359,000 |
| Loan Purchased By The Institution | 5 | $1,935,000 | $387,000 | $785,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $99,000 | $99,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,023 | $1,110,055,000 | $367,000 | $4,005,000 | $145,000 | $5,131,000 |
| Debt-To-Income Ratio | 37 | $12,925,000 | $349,000 | $685,000 | $90,000 | $261,000 |
| Collateral | 22 | $6,680,000 | $303,000 | $995,000 | $140,000 | $400,000 |
| Credit History | 13 | $4,985,000 | $383,000 | $685,000 | $133,000 | $355,000 |
| Credit Application Incomplete | 11 | $4,855,000 | $441,000 | $765,000 | $179,000 | $577,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,970,000 | $297,000 | $725,000 | $83,000 | $193,000 |
| Employment History | 9 | $3,125,000 | $347,000 | $1,445,000 | $116,000 | $331,000 |
| Other | 7 | $3,985,000 | $569,000 | $2,005,000 | $175,000 | $498,000 |
| Unverifiable Information | 5 | $2,475,000 | $495,000 | $1,095,000 | $200,000 | $429,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, FSB's 2024 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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