Presidential Bank, FSB mortgage approval rate & lending review
Presidential Bank, FSB decided 5,230 mortgage applications and funded 4,855 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Presidential Bank, FSB reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Presidential Bank, FSB at a glance
Approval is 8.1 points above the 85.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 4,147 / 4,385 | 99% | $365K | 4,098 |
| Cash-out refinance | 85% | 218 / 255 | 97% | $315K | 211 |
| Refinance | 96% | 245 / 256 | 99% | $415K | 243 |
| Investment property purchase | 94% | 253 / 269 | 99% | $265K | 250 |
| Investment cash-out refinance | 82% | 40 / 49 | 98% | $215K | 39 |
Presidential Bank, FSB lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 96% | $415K | 1,219 | 1,154 |
| Virginia | 97% | $345K | 1,202 | 1,154 |
| Georgia | 91% | $365K | 997 | 886 |
| Florida | 90% | $325K | 352 | 314 |
| North Carolina | 94% | $315K | 286 | 267 |
| South Carolina | 93% | $275K | 181 | 167 |
| Pennsylvania | 94% | $345K | 153 | 143 |
| Alabama | 94% | $235K | 117 | 108 |
| Tennessee | 88% | $295K | 90 | 79 |
| New Jersey | 91% | $335K | 79 | 70 |
| New York | 91% | $545K | 75 | 66 |
| Texas | 87% | $345K | 52 | 45 |
| District of Columbia | 100% | $585K | 44 | 44 |
| Illinois | 98% | $255K | 42 | 40 |
| Connecticut | 100% | $385K | 30 | 30 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Presidential Bank, FSB lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Virginia Beach city, VA | Mortgage lenders | 96% | 212 | 202 |
| Frederick County, MD | Mortgage lenders | 98% | 206 | 198 |
| Anne Arundel County, MD | Mortgage lenders | 98% | 173 | 169 |
| Chesterfield County, VA | Mortgage lenders | 97% | 174 | 167 |
| Montgomery County, MD | Mortgage lenders | 96% | 162 | 154 |
| Fairfax County, VA | Mortgage lenders | 99% | 139 | 136 |
| Chesapeake city, VA | Mortgage lenders | 98% | 84 | 82 |
| Washington County, MD | Mortgage lenders | 99% | 81 | 80 |
| Howard County, MD | Mortgage lenders | 96% | 80 | 76 |
| Norfolk city, VA | Mortgage lenders | 94% | 68 | 64 |
| Henry County, GA | Mortgage lenders | 92% | 66 | 61 |
| Cherokee County, GA | Mortgage lenders | 98% | 60 | 59 |
The county markets where Presidential Bank, FSB made the most loans. Each link opens that market with every lender ranked.
Questions about Presidential Bank, FSB
What is Presidential Bank, FSB's mortgage approval rate?
Presidential Bank, FSB approved 94.0% of the 5,230 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.1 points above the 85.9% national rate for the same mix of loan types.
How often do borrowers take the loan Presidential Bank, FSB offers?
Borrowers accepted 99% of the loans Presidential Bank, FSB approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Presidential Bank, FSB make?
The typical home purchase mortgage loan Presidential Bank, FSB made was $365K; across all loan types its typical loan ran from $215K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Presidential Bank, FSB lend?
Presidential Bank, FSB decided applications in 45 of the states Fat Boy Data covers, most of them in Maryland, Virginia and Georgia.
Can I apply to Presidential Bank, FSB directly?
Yes. Presidential Bank, FSB is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Presidential Bank, FSB's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Presidential Bank, FSB treats applications, then get a rate quote from the lender.