Applications / Mortgage Analytics / Lenders / Maryland / Presidential Bank
Bethesda, MD · Savings institution · OCC · $1.1 billion assets · 3,063 loans in 2025
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3,063
loans originated, 2025
3,983
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Presidential Bank is a nationwide savings bank that specialises in government-backed loans, about two in five of its loans, and it grew 21% in 2025.
FHA loans (insured by the Federal Housing Administration) were 21.7% of its loans against a typical 4.0%, and VA loans (guaranteed by the Department of Veterans Affairs) 18.4% against 0.5%. Conventional loans were 58.1%, the lowest share among similar lenders (savings institutions making between half and twice as many loans). Home purchase was 87.2% of its lending, across 47 states.
Originations rose 21% to 3,063, higher than about two-thirds of similar lenders, whose typical growth was 14%; the whole market grew 10%. That is still about half the 5,942 loans it made in 2020.
Low- and moderate-income (LMI) tracts took 19.8% of its loans against 15.0%, and majority-minority tracts 24.6% against 13.0%, both higher than about nine in ten similar lenders. Its government-loan mix and its lending in the Washington, Atlanta and Richmond areas could both contribute.
Higher-priced loans (a rate well above the average for similar loans) were 2.8% against 1.1%. Its large FHA share, whose mortgage insurance raises the cost, and manufactured homes at 2.6% of loans against 0.7% could account for most of that difference; its typical rate, 6.62%, is near the middle of similar lenders. It turned down 9.3% of first-lien refinance applications on owner-occupied homes, lower than about three in four similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Presidential Bank took 3,983 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.2% · Refinance 12.7% · Other 0.1%
Conventional 58.1% · FHA 21.7% · VA 18.4% · USDA (RHS or FSA) 1.8% · of 3,063 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 809 | 26.4% |
| Georgia | 678 | 22.1% |
| Maryland | 395 | 12.9% |
| North Carolina | 215 | 7.0% |
| Florida | 157 | 5.1% |
| South Carolina | 110 | 3.6% |
| Tennessee | 86 | 2.8% |
| North Dakota | 80 | 2.6% |
| Alabama | 75 | 2.4% |
| New York | 62 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 322 |
| Richmond | 288 |
| Virginia Beach-Chesapeake-Norfolk | 238 |
| Baltimore-Columbia-Towson | 157 |
| Arlington-Alexandria-Reston | 141 |
| Frederick-Gaithersburg-Bethesda | 140 |
| Marietta | 90 |
| Brunswick-St. Simons | 62 |
| Wilmington | 61 |
| Sebastian-Vero Beach-West Vero Corridor | 48 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930078TNN7GKZ7NU89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 538473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48186 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708186 | 2011–2017 |
Established 15 April 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Presidential Bank's data.
Presidential Bank's data
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