Presidential Bank, FSB: 2025 mortgage rates, costs & approvals
How Presidential Bank, FSB priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Presidential Bank, FSB · LEI 54930078TNN7GKZ7NU89
In 2025, Presidential Bank, FSB originated 2,652 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 46 states — 216th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 20 basis points above the national median. Median conventional loan costs were $6,700, 20% higher than the national median ($5,570).
It denied 6.3% of completed home-purchase applications (all lenders: 8.5%).
How Presidential Bank, FSB priced home-purchase loans
| Purchase loans, 2025 | Presidential Bank, FSB | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.375% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.33 pts | +0.13 pts |
| Total loan costs · conventional | $6,700 | $5,570 |
| Total loan costs · FHA | $12,260 | $11,310 |
| Total loan costs · VA | $7,220 | $6,490 |
| Origination charges (all types) | $2,490 | $1,860 |
| Borrowers paying discount points | 62.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.96% | 0.87% |
| Borrowers receiving lender credits | 40.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Presidential Bank, FSB denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Presidential Bank, FSB lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 698 | 731 | 3.9% | 6.750% | $6,290 |
| Georgia | 572 | 656 | 9.7% | 6.625% | $8,060 |
| Maryland | 373 | 394 | 4.9% | 6.625% | $6,970 |
| North Carolina | 174 | 179 | 2.0% | 6.750% | $6,500 |
| Florida | 125 | 135 | 6.7% | 6.750% | $6,150 |
| South Carolina | 96 | 104 | 6.4% | 6.750% | $6,010 |
| North Dakota | 75 | 76 | 0.0% | 7.250% | $7,380 |
| Tennessee | 73 | 83 | 11.1% | 6.625% | $5,410 |
| Alabama | 65 | 75 | 9.2% | 6.875% | $4,530 |
| New York | 58 | 66 | 14.0% | 6.625% | $8,190 |
| New Jersey | 37 | 40 | 8.8% | 6.625% | $8,270 |
| Pennsylvania | 35 | 38 | 8.6% | 6.750% | $6,060 |
| Illinois | 30 | 32 | 3.5% | 6.875% | $6,750 |
| Connecticut | 23 | 23 | 0.0% | — | — |
| Texas | 22 | 24 | — | — | — |
| Utah | 19 | 19 | — | — | — |
| Washington | 16 | 17 | — | — | — |
| Arizona | 15 | 19 | — | — | — |
| Missouri | 15 | 16 | — | — | — |
| Oregon | 13 | 15 | — | — | — |
| West Virginia | 12 | 13 | — | — | — |
| District of Columbia | 12 | 12 | — | — | — |
| Massachusetts | 12 | 12 | — | — | — |
| California | 9 | 9 | — | — | — |
| Colorado | 7 | 7 | — | — | — |
| Kansas | 6 | 7 | — | — | — |
| Kentucky | 6 | 7 | — | — | — |
| Mississippi | 6 | 6 | — | — | — |
| Michigan | 5 | 6 | — | — | — |
| Delaware | 5 | 5 | — | — | — |
| Maine | 5 | 5 | — | — | — |
| Montana | 5 | 5 | — | — | — |
| New Hampshire | 4 | 4 | — | — | — |
| Ohio | 4 | 4 | — | — | — |
| Indiana | 3 | 4 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| Wisconsin | 3 | 3 | — | — | — |
| New Mexico | 2 | 4 | — | — | — |
| Hawaii | 2 | 2 | — | — | — |
| Rhode Island | 2 | 2 | — | — | — |
| Iowa | 1 | 2 | — | — | — |
| Louisiana | 1 | 2 | — | — | — |
| Alaska | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
| Arkansas | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Presidential Bank, FSB's page for that state.
Counties where Presidential Bank, FSB is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Accomack County, VA | 1 | 49 | 16.1% |
| Grant County, ND | 3 | 2 | 14.3% |
| Dunn County, ND | 3 | 4 | 11.1% |
| Stark County, ND | 2 | 48 | 10.0% |
| Dinwiddie County, VA | 2 | 39 | 8.3% |
| Prince George County, VA | 2 | 40 | 7.9% |
| Northampton County, VA | 4 | 11 | 7.6% |
| Colonial Heights city, VA | 2 | 19 | 6.8% |
| Emporia city, VA | 3 | 3 | 6.4% |
| Greensville County, VA | 4 | 4 | 6.2% |
| Bacon County, GA | 6 | 2 | 5.0% |
| Hettinger County, ND | 8 | 1 | 4.8% |
| Hopewell city, VA | 4 | 19 | 4.7% |
| Charles City County, VA | 6 | 3 | 3.2% |
| Glynn County, GA | 5 | 39 | 3.2% |
Check Presidential Bank, FSB yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930078TNN7GKZ7NU89.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Presidential Bank, FSB with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology