# Presidential Bank, FSB

> **Canonical URL:** https://saferate.com/lenders/presidential-bank-fsb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Presidential Bank, FSB is a bank, headquartered in Bethesda, MD, serving borrowers nationwide, with 2,272 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930078TNN7GKZ7NU89
- **Headquarters:** Bethesda, MD
- **Geographic Reach:** National
- **States Served:** 41
- **State List:** AL, AR, AZ, CA, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NY, OH, OR, PA, SC, TN, TX, UT, VA, VT, WA, WV
- **Markets (MSAs):** 27
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.1%
- **Brokered/Wholesale:** 0.9%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.339%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,377
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,272
- **Dollar Volume:** $870 million
- **Applications Received:** 2,797
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $383,024
- **Average Borrower Income:** $147,701
- **Average Property Value:** $477,276

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 1,181 | +0.367% | $3,535 | Strong 😀 |
| FHA | 76/100 | 544 | +0.636% | $3,494 | Strong 😀 |
| VA | 80/100 | 482 | -0.256% | $2,674 | Strong 😀 |
| Jumbo | 48/100 | 29 | +0.333% | $1,484 | Sound ☺️ |
| USDA | 78/100 | 36 | +0.175% | $2,539 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,063 loans, Score: 72/100 (Strong)
- Refinance: 118 loans, Score: 58/100 (Sound)

**FHA:**
- Purchase: 510 loans, Score: 77/100 (Strong)
- Refinance: 34 loans, Score: 48/100 (Sound)

**VA:**
- Purchase: 457 loans, Score: 80/100 (Strong)
- Refinance: 25 loans, Score: 50/100 (Sound)

**Jumbo:**
- Purchase: 25 loans, Score: 47/100 (Sound)

**USDA:**
- Purchase: 35 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 2,090 | $798M | +0.358% | Strong 😀 |
| Refinance | 59/100 | 182 | $72M | +0.176% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 687 | 0.64% | 85/100 |
| GA | 565 | 0.41% | 79/100 |
| MD | 389 | 0.55% | 77/100 |
| NC | 152 | 0.10% | 62/100 |
| FL | 112 | 0.04% | 55/100 |
| SC | 68 | 0.08% | 58/100 |
| PA | 54 | 0.04% | 52/100 |
| AL | 37 | 0.06% | 52/100 |
| NJ | 25 | 0.03% | 46/100 |
| DC | 18 | 0.31% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 310 | 77/100 |
| Non |  | 278 | 63/100 |
| Virginia Beach | VA-NC | 264 | 79/100 |
| Richmond, VA | VA | 199 | 80/100 |
| Baltimore | MD | 177 | 73/100 |
| Arlington | VA-WV | 129 | 69/100 |
| Frederick | MD | 124 | 78/100 |
| Marietta, GA | GA | 94 | 69/100 |
| Wilmington, NC | NC | 51 | 65/100 |
| Washington, DC | DC-MD | 49 | 61/100 |
| Brunswick | GA | 34 | 64/100 |
| Hagerstown | MD-WV | 30 | 57/100 |
| Greenville | SC | 26 | 53/100 |
| Montgomery County | PA | 26 | 51/100 |
| Birmingham, AL | AL | 25 | 52/100 |

## Where This Lender Ranks

Presidential Bank, FSB appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Brunswick for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Richmond, VA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Brunswick for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Lexington Park, MD for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Sebring, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Wilmington, NC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Brunswick for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Richmond, VA for USDA Loans
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#7** in Virginia Beach for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Hagerstown for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#8** in Richmond, VA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Frederick for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Marietta, GA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/marietta-ga/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Brunswick
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders)
- 🏆 **#8** in Brunswick for VA Loans
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Hagerstown Banks
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks)
- 🏆 **#9** in Lexington Park, MD for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington-park-md/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Gainesville, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Virginia Beach for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Presidential Bank, FSB offer?

Presidential Bank, FSB offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Presidential Bank, FSB offer mortgages?

Presidential Bank, FSB is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Presidential Bank, FSB's mortgage rates?

Presidential Bank, FSB has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.339% above market average.

### What type of lender is Presidential Bank, FSB?

Presidential Bank, FSB is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Bethesda, MD.

### What is Presidential Bank, FSB's loan approval success rate?

Presidential Bank, FSB has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/presidential-bank-fsb

### How to Cite

> "Presidential Bank, FSB Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/presidential-bank-fsb

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