Lender in Virginia · HMDA 2025
Presidential Bank, FSB mortgages in Virginia
Presidential Bank, FSB's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Presidential Bank, FSB originated 698 owner-occupied single-family loans in Virginia from 731 completed applications.
Its median conventional purchase loan costs were $6,290 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
698
of 731 applications
Denial rate
3.9%
Purchase · VA 6.9%
Rate spread
+0.37 pts
Conv. · VA +0.10 pts
Loan amount
$335,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 662 | 631 | 3.9% | 6.750% | +0.37 pts | $6,290 | $335,000 |
| Refinance | 44 | 43 | 2.3% | 6.375% | +0.14 pts | $4,810 | $425,000 |
| Cash-out refinance | 25 | 24 | 0.0% | — | — | — | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Presidential Bank, FSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Accomack County | 1 | 49 | 16.1% |
| Prince George County | 2 | 40 | 7.9% |
| Dinwiddie County | 2 | 39 | 8.3% |
| Colonial Heights city | 2 | 19 | 6.8% |
| Emporia city | 3 | 3 | 6.4% |
| Hopewell city | 4 | 19 | 4.7% |
| Northampton County | 4 | 11 | 7.6% |
| Greensville County | 4 | 4 | 6.2% |
| Charles City County | 6 | 3 | 3.2% |
| Surry County | 9 | 3 | 2.9% |
| Mecklenburg County | 13 | 5 | 1.6% |
| Cumberland County | 13 | 3 | 1.9% |
| Nottoway County | 15 | 3 | 1.7% |
| Sussex County | 15 | 2 | 2.1% |
| Charlotte County | 16 | 1 | 1.4% |
| Virginia Beach city | 19 | 86 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology