Lender in Georgia · HMDA 2025
Presidential Bank, FSB mortgages in Georgia
Presidential Bank, FSB's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
Presidential Bank, FSB originated 572 owner-occupied single-family loans in Georgia from 656 completed applications.
Its median conventional purchase loan costs were $8,060 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.625% (Georgia: 6.624%).
Loans in GA
572
of 656 applications
Denial rate
9.7%
Purchase · GA 9.9%
Rate spread
+0.22 pts
Conv. · GA +0.13 pts
Loan amount
$325,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 587 | 523 | 9.7% | 6.625% | +0.22 pts | $8,060 | $325,000 |
| Refinance | 29 | 23 | 17.2% | — | — | — | $445,000 |
| Cash-out refinance | 40 | 26 | 27.5% | — | — | — | $385,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where Presidential Bank, FSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Glynn County | 5 | 39 | 3.2% |
| McIntosh County | 5 | 6 | 2.9% |
| Bacon County | 6 | 2 | 5.0% |
| Camden County | 8 | 44 | 3.1% |
| Brantley County | 9 | 2 | 1.7% |
| Charlton County | 10 | 2 | 2.9% |
| Meriwether County | 12 | 5 | 1.7% |
| Montgomery County | 12 | 1 | 2.1% |
| Jasper County | 16 | 6 | 1.8% |
| Pike County | 16 | 4 | 1.3% |
| Ware County | 18 | 3 | 1.1% |
| Walton County | 19 | 22 | 1.2% |
| Screven County | 19 | 1 | 1.2% |
| Butts County | 21 | 4 | 1.1% |
| Pierce County | 21 | 2 | 0.9% |
| Emanuel County | 21 | 1 | 1.1% |
| Coweta County | 23 | 28 | 1.0% |
| Newton County | 24 | 19 | 1.0% |
| Rockdale County | 25 | 14 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology