Lender in Maryland · HMDA 2025
Presidential Bank, FSB mortgages in Maryland
Presidential Bank, FSB's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Presidential Bank, FSB originated 373 owner-occupied single-family loans in Maryland from 394 completed applications.
Its median conventional purchase loan costs were $6,970 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
373
of 394 applications
Denial rate
4.9%
Purchase · MD 8.6%
Rate spread
+0.28 pts
Conv. · MD +0.14 pts
Loan amount
$405,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 330 | 313 | 4.9% | 6.625% | +0.28 pts | $6,970 | $405,000 |
| Refinance | 40 | 40 | 0.0% | 6.375% | −0.02 pts | $7,520 | $435,000 |
| Cash-out refinance | 24 | 20 | 12.5% | — | — | — | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Presidential Bank, FSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Frederick County | 15 | 72 | 1.6% |
| Washington County | 16 | 31 | 1.6% |
| St. Mary's County | 22 | 16 | 0.9% |
| Carroll County | 25 | 26 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology