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Presidential Bank, FSB
Bank|Bethesda, MD|National
Loans Originated
2,272
Applications
2,797
Volume
$870 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.339%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,377
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
81.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
Presidential Bank, FSB performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 27 metro areas · 41 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$383,024
Average Borrower Income
$147,701
Average Property Value
$477,276
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 1,181 | 52.0% | +0.367% | $3,535 |
FHA Loans | Sound | Strong | Acceptable | Strong | 544 | 23.9% | +0.636% | $3,494 |
VA Loans | Sound | Strong | Acceptable | Exceptional | 482 | 21.2% | -0.256% | $2,674 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 29 | 1.3% | +0.333% | $1,484 |
USDA Loans | Strong | Strong | N/A | Strong | 36 | 1.6% | +0.175% | $2,539 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 2,090 | 92.0% | +0.358% | $3,347 |
Refinance | Sound | Sound | Acceptable | Strong | 182 | 8.0% | +0.176% | $3,623 |
Geographic Coverage
Metro Areas
26
States Served
41
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Richmond, VA, VAMSA
Volume: 199Mix: 8.76%
Place Specialization
Strong
2
Virginia Beach, VA-NCMSA
Volume: 264Mix: 11.62%
Place Specialization
Strong
3
Frederick, MDMSA
Volume: 124Mix: 5.46%
Place Specialization
Strong
4
Atlanta, GAMSA
Volume: 310Mix: 13.64%
Place Specialization
Strong
5
Baltimore, MDMSA
Volume: 177Mix: 7.79%
Place Specialization
Strong
6
Marietta, GA, GAMSA
Volume: 94Mix: 4.14%
Place Specialization
Strong
7
Arlington, VA-WVMSA
Volume: 129Mix: 5.68%
Place Specialization
Strong
8
Wilmington, NC, NCMSA
Volume: 51Mix: 2.24%
Place Specialization
Strong
9
Brunswick, GAMSA
Volume: 34Mix: 1.50%
Place Specialization
Strong
10
Washington, DC, DC-MDMSA
Volume: 49Mix: 2.16%
Place Specialization
Strong
Showing 10 of 26 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 687Mix: 30.24%
Place Specialization
Exceptional
2
GAState
Volume: 565Mix: 24.87%
Place Specialization
Strong
3
MDState
Volume: 389Mix: 17.12%
Place Specialization
Strong
4
NCState
Volume: 152Mix: 6.69%
Place Specialization
Strong
5
SCState
Volume: 68Mix: 2.99%
Place Specialization
Sound
6
FLState
Volume: 112Mix: 4.93%
Place Specialization
Sound
7
PAState
Volume: 54Mix: 2.38%
Place Specialization
Sound
8
ALState
Volume: 37Mix: 1.63%
Place Specialization
Sound
9
DCState
Volume: 18Mix: 0.79%
Place Specialization
Sound
10
NJState
Volume: 25Mix: 1.10%
Place Specialization
Sound
Showing 10 of 16 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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