Presidential Bank, FSB Mortgage Lending & HMDA Data, 2012
In 2012, Presidential Bank, FSB of Bethesda, MD reported 6,697 mortgage applications totaling $1.7 billion, up 29% from 2011. The average application was for $260,382, and applicants reported an average income of $104,618. 90% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,864), Bethesda-Rockville-Frederick, MD (1,230) and Baltimore-Towson, MD (714) (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 | 6,697 |
| Total Mortgage Loan Application Amount | $1,743,780,000 |
| Average Mortgage Loan Application Amount | $260,382 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $104,618 |
| Highest Applicant Income | $2,315,000 |
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(HMDA) records Presidential Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,864 | $ 605,235,000 | $ 324,696 | $ 120,489 |
| Bethesda-Rockville-Frederick, MD | 1,230 | $ 350,624,000 | $ 285,060 | $ 120,000 |
| Baltimore-Towson, MD | 714 | $ 195,317,000 | $ 273,553 | $ 113,000 |
| Richmond, VA | 598 | $ 99,690,000 | $ 166,705 | $ 65,000 |
| Philadelphia, PA | 541 | $ 115,558,000 | $ 213,600 | $ 89,000 |
| Lancaster, PA | 269 | $ 42,158,000 | $ 156,721 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 176 | $ 32,185,000 | $ 182,869 | $ 79,090 |
| Charlottesville, VA | 169 | $ 44,479,000 | $ 263,189 | $ 120,000 |
| Edison-New Brunswick, NJ | 144 | $ 36,863,000 | $ 255,993 | $ 110,000 |
| Hagerstown-Martinsburg, MD-WV | 58 | $ 11,169,000 | $ 192,568 | $ 62,741 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 53 | $ 13,213,000 | $ 249,301 | $ 125,566 |
| Reading, PA | 51 | $ 8,471,000 | $ 166,098 | $ 63,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 6,992,000 | $ 233,066 | $ 102,200 |
| Newark-Union, NJ-PA | 21 | $ 4,876,000 | $ 232,190 | $ 128,285 |
| Harrisburg-Carlisle, PA | 17 | $ 3,434,000 | $ 202,000 | $ 77,000 |
| York-Hanover, PA | 16 | $ 3,095,000 | $ 193,437 | $ 65,000 |
| Charleston-North Charleston-Summerville, SC | 12 | $ 2,448,000 | $ 204,000 | $ 43,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 11 | $ 1,872,000 | $ 170,181 | $ 102,000 |
| Camden, NJ | 10 | $ 2,127,000 | $ 212,700 | $ 96,000 |
| Raleigh-Cary, NC | 10 | $ 3,118,000 | $ 311,800 | $ 99,000 |
| Lebanon, PA | 9 | $ 1,568,000 | $ 174,222 | $ 48,000 |
| Scranton--Wilkes-Barre, PA | 9 | $ 1,687,000 | $ 187,444 | $ 133,000 |
| Ocean City, NJ | 7 | $ 2,300,000 | $ 328,571 | $ 153,000 |
| Providence-New Bedford-Fall River, RI-MA | 6 | $ 1,394,000 | $ 232,333 | $ 38,000 |
| Trenton-Ewing, NJ | 6 | $ 1,307,000 | $ 217,833 | $ 80,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,425,000 | $ 237,500 | $ 38,166 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,510,000 | $ 302,000 | $ 171,000 |
| Honolulu, HI | 5 | $ 1,645,000 | $ 329,000 | $ 211,000 |
| New Haven-Milford, CT | 5 | $ 1,371,000 | $ 274,200 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 935,000 | $ 233,750 | $ 160,000 |
| Columbia, SC | 4 | $ 691,000 | $ 172,750 | $ 0 |
| Elizabethtown, KY | 4 | $ 826,000 | $ 206,500 | $ 0 |
| Fayetteville, NC | 4 | $ 760,000 | $ 190,000 | $ 0 |
| Greensboro-High Point, NC | 4 | $ 1,459,000 | $ 364,750 | $ 290,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 1,134,000 | $ 283,500 | $ 174,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,759,000 | $ 439,750 | $ 113,000 |
| Olympia, WA | 4 | $ 944,000 | $ 236,000 | $ 66,000 |
| Clarksville, TN-KY | 3 | $ 618,000 | $ 206,000 | $ 0 |
| Columbus, OH | 3 | $ 510,000 | $ 170,000 | $ 30,000 |
| Denver-Aurora-Broomfield, CO | 3 | $ 819,000 | $ 273,000 | $ 112,000 |
| Dover, DE | 3 | $ 597,000 | $ 199,000 | $ 35,000 |
| Jacksonville, NC | 3 | $ 564,000 | $ 188,000 | $ 14,000 |
| Kansas City, MO-KS | 3 | $ 767,000 | $ 255,666 | $ 0 |
| Louisville/Jefferson County, KY-IN | 3 | $ 652,000 | $ 217,333 | $ 0 |
| Lynchburg, VA | 3 | $ 423,000 | $ 141,000 | $ 52,000 |
| San Antonio-New Braunfels, TX | 3 | $ 514,000 | $ 171,333 | $ 66,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 541,000 | $ 180,333 | $ 98,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 317,000 | $ 105,666 | $ 162,000 |
| Winchester, VA-WV | 3 | $ 821,000 | $ 273,666 | $ 30,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 666,000 | $ 333,000 | $ 188,000 |
| Barnstable Town, MA | 2 | $ 821,000 | $ 410,500 | $ 195,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 172,000 | $ 86,000 | $ 44,000 |
| Boston-Quincy, MA | 2 | $ 687,000 | $ 343,500 | $ 69,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 315,000 | $ 157,500 | $ 31,000 |
| Colorado Springs, CO | 2 | $ 622,000 | $ 311,000 | $ 0 |
| Dayton, OH | 2 | $ 262,000 | $ 131,000 | $ 28,000 |
| Greenville, NC | 2 | $ 422,000 | $ 211,000 | $ 56,000 |
| Indianapolis-Carmel, IN | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Jacksonville, FL | 2 | $ 543,000 | $ 271,500 | $ 57,000 |
| Lexington-Fayette, KY | 2 | $ 407,000 | $ 203,500 | $ 51,000 |
| Manhattan, KS | 2 | $ 461,000 | $ 230,500 | $ 0 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,137,000 | $ 568,500 | $ 85,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,586,000 | $ 793,000 | $ 333,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 176,000 | $ 88,000 | $ 157,000 |
| Peabody, MA | 2 | $ 548,000 | $ 274,000 | $ 43,000 |
| Roanoke, VA | 2 | $ 653,000 | $ 326,500 | $ 143,000 |
| Rockingham County-Strafford County, NH | 2 | $ 406,000 | $ 203,000 | $ 0 |
| Salisbury, MD | 2 | $ 379,000 | $ 189,500 | $ 427,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 251,000 | $ 125,500 | $ 55,000 |
| Santa Fe, NM | 2 | $ 596,000 | $ 298,000 | $ 297,000 |
| Topeka, KS | 2 | $ 388,000 | $ 194,000 | $ 0 |
| Wilmington, NC | 2 | $ 632,000 | $ 316,000 | $ 102,000 |
| Asheville, NC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 256,000 | $ 256,000 | $ 127,000 |
| Auburn-Opelika, AL | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 123,000 | $ 123,000 | $ 186,000 |
| Birmingham-Hoover, AL | 1 | $ 199,000 | $ 199,000 | $ 0 |
| Bloomington, IN | 1 | $ 292,000 | $ 292,000 | $ 306,000 |
| Boise City-Nampa, ID | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Bowling Green, KY | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Burlington, NC | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 1 | $ 359,000 | $ 359,000 | $ 122,000 |
| Cedar Rapids, IA | 1 | $ 138,000 | $ 138,000 | $ 255,000 |
| Charleston, WV | 1 | $ 183,000 | $ 183,000 | $ 63,000 |
| Cheyenne, WY | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 231,000 | $ 231,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Columbus, GA-AL | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 107,000 | $ 107,000 | $ 40,000 |
| Cumberland, MD-WV | 1 | $ 99,000 | $ 99,000 | $ 169,000 |
| Dallas-Plano-Irving, TX | 1 | $ 123,000 | $ 123,000 | $ 53,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 198,000 | $ 198,000 | $ 122,000 |
| Des Moines-West Des Moines, IA | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 346,000 | $ 346,000 | $ 146,000 |
| Flint, MI | 1 | $ 70,000 | $ 70,000 | $ 112,000 |
| Greenville-Mauldin-Easley, SC | 1 | $ 203,000 | $ 203,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 137,000 | $ 137,000 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Hinesville-Fort Stewart, GA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Iowa City, IA | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Jackson, MS | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Las Cruces, NM | 1 | $ 310,000 | $ 310,000 | $ 89,000 |
| Las Vegas-Paradise, NV | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 318,000 | $ 318,000 | $ 1,594,000 |
| Madison, WI | 1 | $ 187,000 | $ 187,000 | $ 154,000 |
| Medford, OR | 1 | $ 167,000 | $ 167,000 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 376,000 | $ 376,000 | $ 244,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 179,000 | $ 179,000 | $ 47,000 |
| Morgantown, WV | 1 | $ 128,000 | $ 128,000 | $ 231,000 |
| Naples-Marco Island, FL | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 319,000 | $ 319,000 | $ 134,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 154,000 | $ 154,000 | $ 44,000 |
| Norwich-New London, CT | 1 | $ 230,000 | $ 230,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 287,000 | $ 287,000 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 108,000 | $ 108,000 | $ 164,000 |
| Palm Coast, FL | 1 | $ 248,000 | $ 248,000 | $ 157,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 164,000 | $ 164,000 | $ 70,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 107,000 | $ 107,000 | $ 275,000 |
| Pittsburgh, PA | 1 | $ 314,000 | $ 314,000 | $ 136,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 344,000 | $ 344,000 | $ 192,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 315,000 | $ 315,000 | $ 270,000 |
| Pueblo, CO | 1 | $ 180,000 | $ 180,000 | $ 129,000 |
| Punta Gorda, FL | 1 | $ 130,000 | $ 130,000 | $ 64,000 |
| Rome, GA | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 160,000 | $ 160,000 | $ 87,000 |
| Savannah, GA | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 376,000 | $ 376,000 | $ 184,000 |
| Shreveport-Bossier City, LA | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 26,000 | $ 26,000 | $ 35,000 |
| Sioux Falls, SD | 1 | $ 93,000 | $ 93,000 | $ 0 |
| State College, PA | 1 | $ 232,000 | $ 232,000 | $ 0 |
| Tacoma, WA | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Worcester, MA | 1 | $ 214,000 | $ 214,000 | $ 0 |
Mortgage Loan Application Detail Totals for Presidential Bank, FSB in 2012
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 | 3,440 | $825,179,000 | $239,000 | $1,400,000 | $94,000 | $1,783,000 |
| Refinancing | 3,180 | $900,672,000 | $283,000 | $1,048,000 | $116,000 | $2,315,000 |
| Home Improvement | 77 | $17,929,000 | $232,000 | $626,000 | $109,000 | $397,000 |
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 | 5,315 | $1,376,712,000 | $259,000 | $1,400,000 | $107,000 | $2,315,000 |
| Black or African American | 443 | $101,734,000 | $229,000 | $841,000 | $70,000 | $310,000 |
| Not Provided | 358 | $109,441,000 | $305,000 | $1,048,000 | $110,000 | $530,000 |
| Asian | 336 | $94,604,000 | $281,000 | $736,000 | $114,000 | $450,000 |
| Hispanic | 211 | $50,803,000 | $240,000 | $841,000 | $80,000 | $430,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $5,817,000 | $306,000 | $517,000 | $130,000 | $305,000 |
| American Indian or Alaskan Native | 10 | $2,453,000 | $245,000 | $439,000 | $107,000 | $242,000 |
| Not applicable | 5 | $2,216,000 | $443,000 | $925,000 | $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) | 4,009 | $1,071,937,000 | $267,000 | $1,400,000 | $131,000 | $2,315,000 |
| FHA-insured (Federal Housing Administration) | 1,402 | $304,310,000 | $217,000 | $743,000 | $65,000 | $551,000 |
| VA-guaranteed (Veterans Administration) | 904 | $297,398,000 | $328,000 | $1,130,000 | $67,000 | $902,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 382 | $70,135,000 | $183,000 | $424,000 | $56,000 | $142,000 |
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 | 6,023 | $1,586,493,000 | $263,000 | $1,250,000 | $105,000 | $2,315,000 |
| Application Withdrawn By Applicant | 408 | $98,805,000 | $242,000 | $1,400,000 | $101,000 | $1,068,000 |
| Application Denied By Financial Institution | 254 | $55,125,000 | $217,000 | $780,000 | $84,000 | $840,000 |
| Application Approved But Not Accepted | 8 | $2,038,000 | $254,000 | $367,000 | $204,000 | $783,000 |
| File Closed For Incompleteness | 3 | $394,000 | $131,000 | $211,000 | $84,000 | $89,000 |
| Loan Purchased By The Institution | 1 | $925,000 | $925,000 | $925,000 | $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 | 117 | $25,849,000 | $220,000 | $529,000 | $94,000 | $479,000 |
| Debt-To-Income Ratio | 61 | $13,027,000 | $213,000 | $551,000 | $65,000 | $203,000 |
| Credit History | 41 | $9,198,000 | $224,000 | $780,000 | $75,000 | $297,000 |
| Other | 18 | $4,353,000 | $241,000 | $403,000 | $98,000 | $306,000 |
| Employment History | 9 | $1,483,000 | $164,000 | $423,000 | $46,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $616,000 | $154,000 | $218,000 | $59,000 | $75,000 |
| Unverifiable Information | 2 | $348,000 | $174,000 | $203,000 | $454,000 | $840,000 |
| Credit Application Incomplete | 2 | $251,000 | $125,000 | $164,000 | $73,000 | $110,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Presidential Bank, FSB's 2012 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.
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