Presidential Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016

Presidential Bank, Fsb 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Presidential Bank, Fsb
4600 East West Highway, Suite 400
Bethesda, MD 20814
Tel #: available with data download
Federal Regulator * available with data download
Years 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 $298,333
Highest Mortgage Loan Application Amount $2,857,000
Average Applicant Income $121,000
Highest Applicant Income $5,126,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Presidential Bank, Fsb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Presidential Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2016 breaks down Presidential Bank, Fsb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Presidential Bank, Fsb serves its applicants.

Each category highlights the total number of mortgage applications processed by Presidential Bank, Fsb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Presidential Bank, Fsb's mortgage activity for 2016.

Mortgage Loan Application Totals for Presidential Bank, Fsb by Metropolitan Area in 2016

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 1,516 $ 566,034,000 $ 359,250 $ 127,500
SILVER SPRING-FREDERICK-ROCKVILLE, MD 821 $ 255,473,000 $ 311,000 $ 121,000
BALTIMORE-COLUMBIA-TOWSON, MD 788 $ 250,964,000 $ 318,000 $ 117,000
RICHMOND, VA 685 $ 113,772,000 $ 166,000 $ 67,000
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 347 $ 90,022,000 $ 259,000 $ 106,000
CALIFORNIA-LEXINGTON PARK, MD 149 $ 47,612,000 $ 319,000 $ 112,000
CHARLOTTESVILLE, VA 144 $ 42,619,000 $ 295,000 $ 136,000
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 104 $ 30,790,000 $ 491,000 $ 82,500
HAGERSTOWN-MARTINSBURG, MD-WV 87 $ 17,051,000 $ 201,500 $ 82,500
SALISBURY, MD-DE 78 $ 21,185,000 $ 314,500 $ 343,000
OCEAN CITY, NJ 65 $ 27,588,000 $ 424,000 $ 251,000
PHILADELPHIA, PA 44 $ 10,277,000 $ 233,000 $ 109,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 44 $ 15,891,000 $ 233,500 $ 93,500
CHARLOTTE-CONCORD-GASTONIA, NC-SC 38 $ 9,145,000 $ 224,500 $ 92,000
WINCHESTER, VA-WV 19 $ 4,460,000 $ 192,500 $ 72,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 15 $ 3,354,000 $ 223,000 $ 80,000
URBAN HONOLULU, HI 13 $ 7,507,000 $ 577,000 $ 64,000
CHAMBERSBURG-WAYNESBORO, PA 11 $ 2,117,000 $ 192,000 $ 88,000
WILMINGTON, DE-MD-NJ 11 $ 3,301,000 $ 317,000 $ 112,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 10 $ 2,809,000 $ 280,000 $ 144,000
ATLANTIC CITY-HAMMONTON, NJ 9 $ 3,580,000 $ 397,000 $ 148,000
CAMDEN, NJ 8 $ 1,858,000 $ 232,000 $ 197,000
JACKSONVILLE, FL 8 $ 2,249,000 $ 281,000 $ 210,000
SAN DIEGO-CARLSBAD, CA 8 $ 3,848,000 $ 481,000 $ 53,000
BOSTON, MA 7 $ 3,569,000 $ 509,000 $ 166,000
DALLAS-PLANO-IRVING, TX 7 $ 2,462,000 $ 351,000 $ 349,000
NEWARK, NJ-PA 7 $ 2,022,000 $ 288,000 $ 104,000
GETTYSBURG, PA 6 $ 1,246,000 $ 207,000 $ 103,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 6 $ 1,493,000 $ 248,000 $ 79,000
PROVIDENCE-WARWICK, RI-MA 6 $ 2,441,000 $ 406,000 $ 85,000
READING, PA 6 $ 1,093,000 $ 182,000 $ 84,000
SEATTLE-BELLEVUE-EVERETT, WA 6 $ 2,759,000 $ 459,000 $ 94,000
DENVER-AURORA-LAKEWOOD, CO 5 $ 1,395,000 $ 279,000 $ 199,000
HARRISONBURG, VA 5 $ 1,108,000 $ 221,000 $ 185,000
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 5 $ 1,261,000 $ 244,000 $ 133,500
ORLANDO-KISSIMMEE-SANFORD, FL 5 $ 1,396,000 $ 279,000 $ 88,000
RALEIGH, NC 5 $ 1,190,000 $ 238,000 $ 77,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 4 $ 1,298,000 $ 324,000 $ 97,000
CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL 4 $ 2,095,000 $ 523,000 $ 143,000
DOVER, DE 4 $ 920,000 $ 230,000 $ 57,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 4 $ 650,000 $ 162,000 $ 142,000
HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC 4 $ 1,066,000 $ 266,000 $ 170,000
JACKSONVILLE, NC 4 $ 768,000 $ 192,000 $ 46,000
NORTH PORT-SARASOTA-BRADENTON, FL 4 $ 786,000 $ 196,000 $ 70,000
YORK-HANOVER, PA 4 $ 792,000 $ 198,000 $ 74,000
AUSTIN-ROUND ROCK, TX 3 $ 818,000 $ 272,000 $ 73,000
CAPE CORAL-FORT MYERS, FL 3 $ 1,574,000 $ 524,000 $ 173,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 3 $ 1,116,000 $ 372,000 $ 301,000
FORT WORTH-ARLINGTON, TX 3 $ 938,000 $ 312,000 $ 166,000
HARRISBURG-CARLISLE, PA 3 $ 845,000 $ 281,000 $ 94,000
HICKORY-LENOIR-MORGANTON, NC 3 $ 927,000 $ 309,000 $ 149,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 3 $ 485,000 $ 171,000 $ 51,500
PALM BAY-MELBOURNE-TITUSVILLE, FL 3 $ 772,000 $ 257,000 $ 71,000
PHOENIX-MESA-SCOTTSDALE, AZ 3 $ 715,000 $ 238,000 $ 75,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 3 $ 886,000 $ 295,000 $ 36,000
TRENTON, NJ 3 $ 672,000 $ 224,000 $ 105,000
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 3 $ 799,000 $ 266,000 $ 155,000
BRIDGEPORT-STAMFORD-NORWALK, CT 2 $ 1,486,000 $ 743,000 $ 77,000
COEUR D'ALENE, ID 2 $ 436,000 $ 218,000 $ 0
COLUMBUS, OH 2 $ 403,000 $ 201,000 $ 56,000
DURHAM-CHAPEL HILL, NC 2 $ 558,000 $ 279,000 $ 240,000
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 2 $ 578,000 $ 289,000 $ 60,000
KANSAS CITY, MO-KS 2 $ 696,000 $ 348,000 $ 83,000
LYNCHBURG, VA 2 $ 518,000 $ 259,000 $ 346,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 2 $ 439,000 $ 219,000 $ 140,000
MORGANTOWN, WV 2 $ 247,000 $ 123,000 $ 124,000
MOUNT VERNON-ANACORTES, WA 2 $ 686,000 $ 343,000 $ 64,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 2 $ 453,000 $ 226,000 $ 97,000
PORTLAND-SOUTH PORTLAND, ME 2 $ 559,000 $ 279,000 $ 163,000
PUNTA GORDA, FL 2 $ 329,000 $ 164,000 $ 51,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 2 $ 678,000 $ 339,000 $ 63,000
SALT LAKE CITY, UT 2 $ 183,000 $ 91,000 $ 0
SAVANNAH, GA 2 $ 442,000 $ 221,000 $ 61,000
SEBASTIAN-VERO BEACH, FL 2 $ 361,000 $ 180,000 $ 127,000
SPARTANBURG, SC 2 $ 484,000 $ 242,000 $ 187,000
STAUNTON-WAYNESBORO, VA 2 $ 365,000 $ 182,000 $ 87,000
TACOMA-LAKEWOOD, WA 2 $ 813,000 $ 406,000 $ 87,000
THE VILLAGES, FL 2 $ 723,000 $ 361,000 $ 139,000
WILMINGTON, NC 2 $ 506,000 $ 253,000 $ 147,000
ANN ARBOR, MI 1 $ 246,000 $ 246,000 $ 214,000
APPLETON, WI 1 $ 221,000 $ 221,000 $ 0
AUGUSTA-RICHMOND COUNTY, GA-SC 1 $ 277,000 $ 277,000 $ 131,000
BLOOMINGTON, IN 1 $ 297,000 $ 297,000 $ 128,000
BOISE CITY, ID 1 $ 110,000 $ 110,000 $ 0
BOULDER, CO 1 $ 268,000 $ 268,000 $ 161,000
BREMERTON-SILVERDALE, WA 1 $ 212,000 $ 212,000 $ 0
CHARLESTON-NORTH CHARLESTON, SC 1 $ 315,000 $ 315,000 $ 87,000
CINCINNATI, OH-KY-IN 1 $ 477,000 $ 477,000 $ 0
CLEVELAND-ELYRIA, OH 1 $ 272,000 $ 272,000 $ 0
COLLEGE STATION-BRYAN, TX 1 $ 135,000 $ 135,000 $ 104,000
COLUMBIA, SC 1 $ 76,000 $ 76,000 $ 47,000
CORPUS CHRISTI, TX 1 $ 303,000 $ 303,000 $ 0
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 1 $ 277,000 $ 277,000 $ 77,000
CUMBERLAND, MD-WV 1 $ 80,000 $ 80,000 $ 43,000
FAYETTEVILLE, NC 1 $ 46,000 $ 46,000 $ 0
GADSDEN, AL 1 $ 95,000 $ 95,000 $ 0
GARY, IN 1 $ 220,000 $ 220,000 $ 30,000
GREENSBORO-HIGH POINT, NC 1 $ 85,000 $ 85,000 $ 17,000
GREENVILLE, NC 1 $ 118,000 $ 118,000 $ 38,000
HARTFORD-WEST HARTFORD-EAST HARTFORD, CT 1 $ 225,000 $ 225,000 $ 98,000
HUNTSVILLE, AL 1 $ 111,000 $ 111,000 $ 110,000
IDAHO FALLS, ID 1 $ 371,000 $ 371,000 $ 131,000
KNOXVILLE, TN 1 $ 417,000 $ 417,000 $ 81,000
LAKE COUNTY-KENOSHA COUNTY, IL-WI 1 $ 826,000 $ 826,000 $ 0
LAKELAND-WINTER HAVEN, FL 1 $ 200,000 $ 200,000 $ 123,000
LANCASTER, PA 1 $ 198,000 $ 198,000 $ 44,000
LEXINGTON-FAYETTE, KY 1 $ 189,000 $ 189,000 $ 69,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 1 $ 374,000 $ 374,000 $ 155,000
MONTGOMERY, AL 1 $ 40,000 $ 40,000 $ 0
NASSAU COUNTY-SUFFOLK COUNTY, NY 1 $ 417,000 $ 417,000 $ 176,000
NEW HAVEN-MILFORD, CT 1 $ 239,000 $ 239,000 $ 99,000
NEW ORLEANS-METAIRIE, LA 1 $ 165,000 $ 165,000 $ 45,000
NORWICH-NEW LONDON, CT 1 $ 207,000 $ 207,000 $ 125,000
OAKLAND-HAYWARD-BERKELEY, CA 1 $ 560,000 $ 560,000 $ 209,000
OGDEN-CLEARFIELD, UT 1 $ 138,000 $ 138,000 $ 0
OMAHA-COUNCIL BLUFFS, NE-IA 1 $ 259,000 $ 259,000 $ 126,000
OXNARD-THOUSAND OAKS-VENTURA, CA 1 $ 1,595,000 $ 1,595,000 $ 328,000
PENSACOLA-FERRY PASS-BRENT, FL 1 $ 241,000 $ 241,000 $ 0
PITTSBURGH, PA 1 $ 175,000 $ 175,000 $ 65,000
PORT ST. LUCIE, FL 1 $ 240,000 $ 240,000 $ 52,000
PRESCOTT, AZ 1 $ 230,000 $ 230,000 $ 198,000
RAPID CITY, SD 1 $ 77,000 $ 77,000 $ 196,000
ROANOKE, VA 1 $ 84,000 $ 84,000 $ 109,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 1 $ 264,000 $ 264,000 $ 67,000
SAN ANTONIO-NEW BRAUNFELS, TX 1 $ 259,000 $ 259,000 $ 151,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 1 $ 407,000 $ 407,000 $ 0
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 1 $ 259,000 $ 259,000 $ 0
SAN RAFAEL, CA 1 $ 638,000 $ 638,000 $ 0
SOUTH BEND-MISHAWAKA, IN-MI 1 $ 308,000 $ 308,000 $ 188,000
ST. LOUIS, MO-IL 1 $ 245,000 $ 245,000 $ 0
TUCSON, AZ 1 $ 394,000 $ 394,000 $ 0
TYLER, TX 1 $ 540,000 $ 540,000 $ 0
WARNER ROBINS, GA 1 $ 49,000 $ 49,000 $ 177,000
WARREN-TROY-FARMINGTON HILLS, MI 1 $ 290,000 $ 290,000 $ 119,000
WORCESTER, MA-CT 1 $ 218,000 $ 218,000 $ 125,000

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.
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