Presidential Bank, FSB Mortgage Lending & HMDA Data, 2025
In 2025, Presidential Bank, FSB of Bethesda, MD reported 3,991 mortgage applications totaling $1.5 billion, up 27% from 2024. The average application was for $374,473, and applicants reported an average income of $148,741. 77% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (433), Richmond, VA (339) and Virginia Beach-Norfolk-Newport News, VA-NC (314) (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 | 3,991 |
| Total Mortgage Loan Application Amount | $1,494,525,000 |
| Average Mortgage Loan Application Amount | $374,473 |
| Highest Mortgage Loan Application Amount | $4,065,000 |
| Average Applicant Income | $148,741 |
| Highest Applicant Income | $3,787,000 |
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(HMDA) records Presidential Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 575 | $ 178,205,000 | $ 309,921 | $ 119,480 |
| Atlanta-Sandy Springs-Roswell, GA | 433 | $ 150,065,000 | $ 346,570 | $ 131,000 |
| Richmond, VA | 339 | $ 104,015,000 | $ 306,828 | $ 121,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 314 | $ 110,320,000 | $ 351,337 | $ 134,203 |
| Baltimore-Columbia-Towson, MD | 184 | $ 78,320,000 | $ 425,652 | $ 160,000 |
| Washington-Baltimore-Arlington, DC | 166 | $ 81,170,000 | $ 488,975 | $ 174,000 |
| Arlington-Alexandria-Reston, VA-WV | 158 | $ 89,330,000 | $ 565,379 | $ 196,955 |
| Marietta, GA | 118 | $ 49,410,000 | $ 418,728 | $ 164,000 |
| Brunswick, GA | 86 | $ 25,900,000 | $ 301,162 | $ 130,000 |
| Wilmington, NC | 86 | $ 36,890,000 | $ 428,953 | $ 179,000 |
| New York-Jersey City-White Plains, NY-NJ | 80 | $ 47,430,000 | $ 592,875 | $ 231,500 |
| Birmingham-Hoover, AL | 70 | $ 18,370,000 | $ 262,428 | $ 104,000 |
| Washington, DC-MD | 62 | $ 27,340,000 | $ 440,967 | $ 153,564 |
| Augusta-Richmond County, GA-SC | 57 | $ 10,485,000 | $ 183,947 | $ 96,017 |
| Sebastian-Vero Beach, FL | 55 | $ 19,415,000 | $ 353,000 | $ 159,000 |
| Hagerstown-Martinsburg, MD-WV | 48 | $ 15,950,000 | $ 332,291 | $ 133,500 |
| Greenville-Anderson-Mauldin, SC | 45 | $ 13,455,000 | $ 299,000 | $ 141,000 |
| Nassau County-Suffolk County, NY | 42 | $ 23,250,000 | $ 553,571 | $ 230,000 |
| Chattanooga, TN-GA | 33 | $ 11,825,000 | $ 358,333 | $ 150,666 |
| Clarksville, TN-KY | 32 | $ 10,590,000 | $ 330,937 | $ 107,625 |
| Atlantic City-Hammonton, NJ | 29 | $ 12,085,000 | $ 416,724 | $ 322,000 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | $ 9,165,000 | $ 316,034 | $ 115,482 |
| Chicago-Naperville, IL | 28 | $ 8,930,000 | $ 318,928 | $ 164,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 28 | $ 14,080,000 | $ 502,857 | $ 174,928 |
| Lexington Park, MD | 25 | $ 13,195,000 | $ 527,800 | $ 197,000 |
| Charleston-North Charleston, SC | 24 | $ 10,900,000 | $ 454,166 | $ 153,000 |
| Phoenix-Mesa-Scottsdale, AZ | 24 | $ 11,320,000 | $ 471,666 | $ 264,000 |
| Bismarck, ND | 23 | $ 7,395,000 | $ 321,521 | $ 131,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 23 | $ 13,045,000 | $ 567,173 | $ 301,000 |
| Spartanburg, SC | 21 | $ 4,395,000 | $ 209,285 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 20 | $ 6,840,000 | $ 342,000 | $ 205,000 |
| Lakewood-New Brunswick, NJ | 19 | $ 5,865,000 | $ 308,684 | $ 148,000 |
| Jacksonville, FL | 18 | $ 6,390,000 | $ 355,000 | $ 156,000 |
| Cleveland, TN | 17 | $ 3,945,000 | $ 232,058 | $ 104,000 |
| Salt Lake City, UT | 16 | $ 6,940,000 | $ 433,750 | $ 125,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 16 | $ 6,140,000 | $ 383,750 | $ 159,000 |
| Kansas City, MO-KS | 15 | $ 4,295,000 | $ 286,333 | $ 133,600 |
| Raleigh, NC | 15 | $ 5,705,000 | $ 380,333 | $ 150,000 |
| St. Petersburg-Clearwater-Largo, FL | 15 | $ 5,805,000 | $ 387,000 | $ 201,000 |
| Tampa, FL | 15 | $ 5,425,000 | $ 361,666 | $ 197,000 |
| Knoxville, TN | 14 | $ 3,390,000 | $ 242,142 | $ 108,000 |
| Savannah, GA | 14 | $ 6,780,000 | $ 484,285 | $ 190,000 |
| Warner Robins, GA | 14 | $ 2,940,000 | $ 210,000 | $ 93,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 5,595,000 | $ 430,384 | $ 197,000 |
| Athens-Clarke County, GA | 12 | $ 4,720,000 | $ 393,333 | $ 140,000 |
| Fayetteville, NC | 12 | $ 3,040,000 | $ 253,333 | $ 109,000 |
| Macon-Bibb County, GA | 12 | $ 1,310,000 | $ 109,166 | $ 59,000 |
| Newark, NJ-PA | 12 | $ 5,590,000 | $ 465,833 | $ 162,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 3,670,000 | $ 305,833 | $ 114,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 4,565,000 | $ 415,000 | $ 176,000 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 4,185,000 | $ 380,454 | $ 171,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 6,615,000 | $ 601,363 | $ 192,000 |
| Port St. Lucie, FL | 11 | $ 4,645,000 | $ 422,272 | $ 137,000 |
| Gainesville, GA | 10 | $ 4,450,000 | $ 445,000 | $ 326,000 |
| Barnstable Town, MA | 9 | $ 4,925,000 | $ 547,222 | $ 186,000 |
| Hinesville, GA | 9 | $ 2,015,000 | $ 223,888 | $ 118,000 |
| Winston-Salem, NC | 9 | $ 4,235,000 | $ 470,555 | $ 101,000 |
| Columbus, GA-AL | 8 | $ 1,250,000 | $ 156,250 | $ 75,375 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 2,870,000 | $ 358,750 | $ 179,000 |
| San Antonio-New Braunfels, TX | 8 | $ 3,480,000 | $ 435,000 | $ 180,000 |
| Winchester, VA-WV | 8 | $ 2,530,000 | $ 316,250 | $ 113,000 |
| York-Hanover, PA | 8 | $ 2,260,000 | $ 282,500 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 7 | $ 3,735,000 | $ 533,571 | $ 234,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,055,000 | $ 293,571 | $ 166,000 |
| Charlottesville, VA | 7 | $ 2,735,000 | $ 390,714 | $ 167,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 1,905,000 | $ 272,142 | $ 150,000 |
| Greensboro-High Point, NC | 7 | $ 1,065,000 | $ 152,142 | $ 132,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,645,000 | $ 520,714 | $ 241,000 |
| Albany-Schenectady-Troy, NY | 6 | $ 2,140,000 | $ 356,666 | $ 194,000 |
| Chambersburg-Waynesboro, PA | 6 | $ 1,590,000 | $ 265,000 | $ 157,000 |
| Columbia, SC | 6 | $ 850,000 | $ 141,666 | $ 60,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 2,800,000 | $ 466,666 | $ 154,000 |
| Elgin, IL | 6 | $ 2,070,000 | $ 345,000 | $ 109,000 |
| Gettysburg, PA | 6 | $ 1,980,000 | $ 330,000 | $ 139,000 |
| Jacksonville, NC | 6 | $ 2,450,000 | $ 408,333 | $ 150,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,480,000 | $ 413,333 | $ 229,000 |
| Tuscaloosa, AL | 6 | $ 1,470,000 | $ 245,000 | $ 98,000 |
| Urban Honolulu, HI | 6 | $ 4,890,000 | $ 815,000 | $ 637,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 5 | $ 2,205,000 | $ 441,000 | $ 212,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,305,000 | $ 261,000 | $ 103,000 |
| New Haven-Milford, CT | 5 | $ 1,655,000 | $ 331,000 | $ 136,000 |
| Providence-Warwick, RI-MA | 5 | $ 5,835,000 | $ 1,167,000 | $ 350,000 |
| Provo-Orem, UT | 5 | $ 2,185,000 | $ 437,000 | $ 133,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,895,000 | $ 579,000 | $ 199,000 |
| Waterbury-Shelton, CT | 5 | $ 1,945,000 | $ 389,000 | $ 145,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,355,000 | $ 271,000 | $ 139,600 |
| Asheville, NC | 4 | $ 1,140,000 | $ 285,000 | $ 74,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,110,000 | $ 277,500 | $ 240,000 |
| Decatur, AL | 4 | $ 1,420,000 | $ 355,000 | $ 170,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,630,000 | $ 657,500 | $ 238,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 3,510,000 | $ 877,500 | $ 362,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 2,060,000 | $ 515,000 | $ 164,000 |
| Salisbury, MD-DE | 4 | $ 740,000 | $ 185,000 | $ 77,000 |
| St. Louis, MO-IL | 4 | $ 980,000 | $ 245,000 | $ 83,000 |
| Staunton-Waynesboro, VA | 4 | $ 1,540,000 | $ 385,000 | $ 178,000 |
| Austin-Round Rock, TX | 3 | $ 2,245,000 | $ 748,333 | $ 361,000 |
| Bozeman, MT | 3 | $ 1,885,000 | $ 628,333 | $ 281,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 515,000 | $ 171,666 | $ 63,000 |
| Glens Falls, NY | 3 | $ 765,000 | $ 255,000 | $ 107,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 935,000 | $ 311,666 | $ 90,000 |
| Kalamazoo-Portage, MI | 3 | $ 1,055,000 | $ 351,666 | $ 153,000 |
| Norwich-New London, CT | 3 | $ 1,195,000 | $ 398,333 | $ 134,000 |
| Ogden-Clearfield, UT | 3 | $ 905,000 | $ 301,666 | $ 88,000 |
| Philadelphia, PA | 3 | $ 745,000 | $ 248,333 | $ 128,000 |
| Roanoke, VA | 3 | $ 1,335,000 | $ 445,000 | $ 171,000 |
| Rome, GA | 3 | $ 855,000 | $ 285,000 | $ 82,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 1,795,000 | $ 598,333 | $ 162,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,795,000 | $ 598,333 | $ 254,000 |
| Topeka, KS | 3 | $ 1,165,000 | $ 388,333 | $ 125,000 |
| Wildwood-The Villages, FL | 3 | $ 1,295,000 | $ 431,666 | $ 178,000 |
| Abilene, TX | 2 | $ 740,000 | $ 370,000 | $ 104,000 |
| Albuquerque, NM | 2 | $ 1,110,000 | $ 555,000 | $ 180,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,030,000 | $ 515,000 | $ 157,500 |
| Boston, MA | 2 | $ 1,180,000 | $ 590,000 | $ 138,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,700,000 | $ 850,000 | $ 145,000 |
| Cleveland, OH | 2 | $ 440,000 | $ 220,000 | $ 123,000 |
| Colorado Springs, CO | 2 | $ 760,000 | $ 380,000 | $ 141,000 |
| Dalton, GA | 2 | $ 440,000 | $ 220,000 | $ 51,000 |
| Durham-Chapel Hill, NC | 2 | $ 830,000 | $ 415,000 | $ 90,000 |
| Greenville, NC | 2 | $ 480,000 | $ 240,000 | $ 83,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 990,000 | $ 495,000 | $ 87,000 |
| Hattiesburg, MS | 2 | $ 760,000 | $ 380,000 | $ 84,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 300,000 | $ 150,000 | $ 54,000 |
| Huntsville, AL | 2 | $ 1,380,000 | $ 690,000 | $ 221,000 |
| Idaho Falls, ID | 2 | $ 1,210,000 | $ 605,000 | $ 353,000 |
| Kenosha, WI | 2 | $ 760,000 | $ 380,000 | $ 158,000 |
| Lakeland-Winter Haven, FL | 2 | $ 490,000 | $ 245,000 | $ 87,000 |
| Longview, WA | 2 | $ 1,160,000 | $ 580,000 | $ 171,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 700,000 | $ 350,000 | $ 139,000 |
| Montgomery, AL | 2 | $ 360,000 | $ 180,000 | $ 112,000 |
| Ocala, FL | 2 | $ 480,000 | $ 240,000 | $ 135,000 |
| Oklahoma City, OK | 2 | $ 710,000 | $ 355,000 | $ 160,000 |
| Portland-South Portland, ME | 2 | $ 790,000 | $ 395,000 | $ 345,000 |
| Prescott Valley-Prescott, AZ | 2 | $ 770,000 | $ 385,000 | $ 103,000 |
| Reading, PA | 2 | $ 620,000 | $ 310,000 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,380,000 | $ 690,000 | $ 174,000 |
| Rockford, IL | 2 | $ 260,000 | $ 130,000 | $ 65,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,270,000 | $ 635,000 | $ 123,000 |
| Tallahassee, FL | 2 | $ 680,000 | $ 340,000 | $ 208,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 830,000 | $ 415,000 | $ 172,000 |
| Akron, OH | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Albany, GA | 1 | $ 195,000 | $ 195,000 | $ 78,000 |
| Amherst Town-Northampton, MA | 1 | $ 515,000 | $ 515,000 | $ 195,000 |
| Ann Arbor, MI | 1 | $ 385,000 | $ 385,000 | $ 103,000 |
| Auburn-Opelika, AL | 1 | $ 295,000 | $ 295,000 | $ 653,000 |
| Baton Rouge, LA | 1 | $ 525,000 | $ 525,000 | $ 239,000 |
| Bend-Redmond, OR | 1 | $ 755,000 | $ 755,000 | $ 483,000 |
| Billings, MT | 1 | $ 385,000 | $ 385,000 | $ 219,000 |
| Boise City, ID | 1 | $ 1,495,000 | $ 1,495,000 | $ 492,000 |
| Boulder, CO | 1 | $ 725,000 | $ 725,000 | $ 238,000 |
| Bremerton-Silverdale, WA | 1 | $ 515,000 | $ 515,000 | $ 127,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 545,000 | $ 545,000 | $ 186,000 |
| Burlington, NC | 1 | $ 525,000 | $ 525,000 | $ 98,000 |
| Cedar Rapids, IA | 1 | $ 295,000 | $ 295,000 | $ 25,000 |
| Chico, CA | 1 | $ 565,000 | $ 565,000 | $ 161,000 |
| Corpus Christi, TX | 1 | $ 275,000 | $ 275,000 | $ 74,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 585,000 | $ 585,000 | $ 166,000 |
| Dothan, AL | 1 | $ 435,000 | $ 435,000 | $ 136,000 |
| Dover, DE | 1 | $ 405,000 | $ 405,000 | $ 93,000 |
| El Paso, TX | 1 | $ 345,000 | $ 345,000 | $ 98,000 |
| Eugene, OR | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Farmington, NM | 1 | $ 365,000 | $ 365,000 | $ 93,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 635,000 | $ 635,000 | $ 186,000 |
| Gadsden, AL | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Gainesville, FL | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Greeley, CO | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Harrisburg-Carlisle, PA | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| Harrisonburg, VA | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Jackson, MS | 1 | $ 495,000 | $ 495,000 | $ 171,000 |
| Jackson, TN | 1 | $ 665,000 | $ 665,000 | $ 231,000 |
| Janesville-Beloit, WI | 1 | $ 365,000 | $ 365,000 | $ 119,000 |
| Joplin, MO | 1 | $ 405,000 | $ 405,000 | $ 190,000 |
| Kokomo, IN | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 505,000 | $ 505,000 | $ 289,000 |
| Lebanon, PA | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Lewiston-Auburn, ME | 1 | $ 855,000 | $ 855,000 | $ 240,000 |
| Lubbock, TX | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Lynchburg, VA | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Manchester-Nashua, NH | 1 | $ 515,000 | $ 515,000 | $ 137,000 |
| Memphis, TN-MS-AR | 1 | $ 305,000 | $ 305,000 | $ 102,000 |
| Missoula, MT | 1 | $ 565,000 | $ 565,000 | $ 140,000 |
| Mobile, AL | 1 | $ 1,355,000 | $ 1,355,000 | $ 0 |
| Modesto, CA | 1 | $ 525,000 | $ 525,000 | $ 142,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 455,000 | $ 455,000 | $ 398,000 |
| New Orleans-Metairie, LA | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Niles-Benton Harbor, MI | 1 | $ 45,000 | $ 45,000 | $ 147,000 |
| Olympia-Tumwater, WA | 1 | $ 575,000 | $ 575,000 | $ 138,000 |
| Paducah, KY-IL | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Panama City, FL | 1 | $ 685,000 | $ 685,000 | $ 248,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 305,000 | $ 305,000 | $ 72,000 |
| Pittsburgh, PA | 1 | $ 345,000 | $ 345,000 | $ 250,000 |
| Punta Gorda, FL | 1 | $ 265,000 | $ 265,000 | $ 160,000 |
| Rochester, NY | 1 | $ 345,000 | $ 345,000 | $ 94,000 |
| Rockingham County-Strafford County, NH | 1 | $ 425,000 | $ 425,000 | $ 236,000 |
| Rocky Mount, NC | 1 | $ 75,000 | $ 75,000 | $ 111,000 |
| Salem, OR | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| San Angelo, TX | 1 | $ 475,000 | $ 475,000 | $ 134,000 |
| Springfield, IL | 1 | $ 335,000 | $ 335,000 | $ 122,000 |
| Springfield, MO | 1 | $ 305,000 | $ 305,000 | $ 93,000 |
| Sumter, SC | 1 | $ 3,115,000 | $ 3,115,000 | $ 0 |
| Trenton, NJ | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Utica-Rome, NY | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Vineland-Bridgeton, NJ | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Watertown-Fort Drum, NY | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Wenatchee, WA | 1 | $ 415,000 | $ 415,000 | $ 210,000 |
| Wichita Falls, TX | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Wichita, KS | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Presidential Bank, FSB in 2025
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 | 3,452 | $1,269,710,000 | $367,000 | $4,065,000 | $146,000 | $3,787,000 |
| Refinancing | 271 | $127,645,000 | $471,000 | $2,205,000 | $177,000 | $803,000 |
| Cash-out Refinancing | 263 | $95,865,000 | $364,000 | $3,505,000 | $156,000 | $1,678,000 |
| Other Purpose | 5 | $1,305,000 | $261,000 | $585,000 | $128,000 | $211,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,348 | $878,210,000 | $374,000 | $3,835,000 | $155,000 | $3,787,000 |
| Not Provided | 616 | $241,660,000 | $392,000 | $3,005,000 | $165,000 | $2,628,000 |
| Black or African American | 501 | $153,385,000 | $306,000 | $1,165,000 | $114,000 | $686,000 |
| Hispanic | 285 | $101,705,000 | $356,000 | $1,315,000 | $121,000 | $633,000 |
| Asian | 191 | $80,765,000 | $422,000 | $1,765,000 | $153,000 | $514,000 |
| American Indian or Alaskan Native | 26 | $9,740,000 | $374,000 | $795,000 | $130,000 | $281,000 |
| Not applicable | 19 | $27,235,000 | $1,433,000 | $4,065,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,825,000 | $365,000 | $495,000 | $126,000 | $191,000 |
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) | 2,333 | $894,605,000 | $383,000 | $4,065,000 | $170,000 | $3,787,000 |
| FHA-insured (Federal Housing Administration) | 883 | $282,235,000 | $319,000 | $1,255,000 | $105,000 | $633,000 |
| VA-guaranteed (Veterans Administration) | 702 | $298,840,000 | $425,000 | $1,945,000 | $139,000 | $1,644,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $18,845,000 | $258,000 | $465,000 | $86,000 | $140,000 |
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 | 3,063 | $1,161,675,000 | $379,000 | $4,065,000 | $150,000 | $3,787,000 |
| Application Withdrawn By Applicant | 624 | $228,610,000 | $366,000 | $3,835,000 | $151,000 | $1,389,000 |
| Application Denied By Financial Institution | 229 | $81,745,000 | $356,000 | $1,755,000 | $128,000 | $645,000 |
| File Closed For Incompleteness | 35 | $11,965,000 | $341,000 | $1,475,000 | $128,000 | $423,000 |
| Application Approved But Not Accepted | 32 | $9,350,000 | $292,000 | $745,000 | $113,000 | $269,000 |
| Loan Purchased By The Institution | 6 | $640,000 | $106,000 | $175,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $205,000 | $205,000 | $205,000 | $65,000 | $65,000 |
| Preapproval Denied by Financial Institution | 1 | $335,000 | $335,000 | $335,000 | $130,000 | $130,000 |
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 | 3,761 | $1,412,445,000 | $375,000 | $4,065,000 | $150,000 | $3,787,000 |
| Collateral | 66 | $24,920,000 | $377,000 | $1,755,000 | $137,000 | $645,000 |
| Debt-To-Income Ratio | 62 | $20,690,000 | $333,000 | $945,000 | $92,000 | $239,000 |
| Credit Application Incomplete | 37 | $16,065,000 | $434,000 | $865,000 | $176,000 | $633,000 |
| Credit History | 22 | $7,790,000 | $354,000 | $1,305,000 | $124,000 | $480,000 |
| Other | 21 | $5,765,000 | $274,000 | $605,000 | $142,000 | $357,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,525,000 | $320,000 | $685,000 | $92,000 | $160,000 |
| Employment History | 8 | $2,390,000 | $298,000 | $485,000 | $108,000 | $200,000 |
| Unverifiable Information | 3 | $935,000 | $311,000 | $485,000 | $184,000 | $208,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, FSB's 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About