What loan types does Presidential Bank offer?

Presidential Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Presidential Bank offer mortgages?

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

How competitive are Presidential Bank's mortgage rates?

Presidential Bank has an overall pricing score of 25.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Presidential Bank?

Presidential Bank is a Bank headquartered in Bethesda, MD.

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Presidential Bank

Bank•Bethesda, MDHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Presidential Bank — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 26 mkts

Awards

FHA

Superstar

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

Explore another lender or local market

Report Card

Presidential Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+33.9 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

National · 27 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$3,535Fees
FHA Loans	Strong	Strong	Acceptable	Strong	544	23.9%	+0.636%Above	$3,494Fees
VA Loans	Strong	Strong	Acceptable	Exceptional	482	21.2%	-0.256%Below	$2,674Fees
Jumbo Loans	Sound	Sound	—	Acceptable	29	1.3%	+0.333%Above	$1,484Fees
USDA Loans	Strong	Strong	—	Strong	36	1.6%	+0.175%Above	$2,539Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume1,181

Mix52.0%

Spread

+0.367%Above

Fees

$3,535Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume544

Mix23.9%

Spread

+0.636%Above

Fees

$3,494Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume482

Mix21.2%

Spread

-0.256%Below

Fees

$2,674Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Acceptable

Volume29

Mix1.3%

Spread

+0.333%Above

Fees

$1,484Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume36

Mix1.6%

Spread

+0.175%Above

Fees

$2,539Fees

Loan Purpose Performance

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%Above	$3,347Fees
Refinance	Sound	Sound	Acceptable	Strong	182	8.0%	+0.176%Above	$3,623Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume2,090

Mix92.0%

Spread

+0.358%Above

Fees

$3,347Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume182

Mix8.0%

Spread

+0.176%Above

Fees

$3,623Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,272

Applications

2,797

Volume

$870 million

Pricing & Closing

Avg Rate Spread

+0.339%

vs. market APOR

Avg Net Fees

$3,377

Origination − Credits

Pullthrough Rate

81.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$383,024

Avg Borrower Income

$147,701

Avg Property Value

$477,276

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJNYPAVT

Midwest9

IAILINKSMIMNMONDOH

South16

ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV

West8

AZCAHIMTNMORUTWA

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0

Richmond, VAMetro

Volume 199Mix 8.76% of portfolio

80/100

Strong

2© Greyfiveys · CC BY-SA 4.0

Virginia Beach, VA-NCMetro

Volume 264Mix 11.62% of portfolio

79/100

Strong

3© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 124Mix 5.46% of portfolio

78/100

Strong

4© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 310Mix 13.64% of portfolio

77/100

Strong

Baltimore, MDMetro

Volume 177Mix 7.79% of portfolio

73/100

Strong

Marietta, GAMetro

Volume 94Mix 4.14% of portfolio

69/100

Strong

Arlington, VA-WVMetro

Volume 129Mix 5.68% of portfolio

69/100

Strong

Wilmington, NCMetro

Volume 51Mix 2.24% of portfolio

65/100

Strong

Brunswick, GAMetro

Volume 34Mix 1.50% of portfolio

64/100

Strong

Washington, DC, DC-MDMetro

Volume 49Mix 2.16% of portfolio

61/100

Strong

Showing 10 of 26 metro areas

Top States by Place Specialization Score

VirginiaState

Volume 687Mix 30.24% of portfolio

85/100

Exceptional

GeorgiaState

Volume 565Mix 24.87% of portfolio

79/100

Strong

MarylandState

Volume 389Mix 17.12% of portfolio

77/100

Strong

North CarolinaState

Volume 152Mix 6.69% of portfolio

62/100

Strong

South CarolinaState

Volume 68Mix 2.99% of portfolio

58/100

Sound

FloridaState

Volume 112Mix 4.93% of portfolio

55/100

Sound

PennsylvaniaState

Volume 54Mix 2.38% of portfolio

52/100

Sound

AlabamaState

Volume 37Mix 1.63% of portfolio

52/100

Sound

Washington, DCState

Volume 18Mix 0.79% of portfolio

48/100

Sound

New JerseyState

Volume 25Mix 1.10% of portfolio

46/100

Sound

Showing 10 of 16 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.