Presidential Bank Fsb Mortgage Rates, Fees & Info
Bethesda, MDLEI: 54930078TNN7GKZ7NU89
Tax ID: 52-1377663
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Mortgage Data
Review & Overview
Presidential Bank Fsb is a smaller bank specializing in Home Purchase loans. Presidential Bank Fsb has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Washington, Virginia Beach, Baltimore, and Richmond among others. We have data for 177 markets. (Some data included below & more in-depth data is available with an active subscription.)Presidential Bank Fsb has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Presidential Bank Fsb is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.11% | 4/5/25 |
| 30 Year Conventional Refi | 6.97% | 4/5/25 |
| 30 Year Cash-out Refi | 7.21% | 4/5/25 |
| 30 Year FHA Purchase | 7.35% | 4/5/25 |
| 30 Year FHA Refi | 6.97% | 4/5/25 |
| 30 Year VA Purchase | 6.54% | 4/5/25 |
| 30 Year VA Refi | 6.10% | 4/5/25 |
| 30 Year USDA Purchase | 6.87% | 4/5/25 |
| 30 Year USDA Refi | 6.93% | 4/5/25 |
| 15 Year Conventional Purchase | 6.06% | 4/5/25 |
| 15 Year Conventional Refi | 6.15% | 4/5/25 |
| 15 Year Cash-out Refi | 6.15% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Presidential Bank Fsb Mortgage Calculator
Your Estimates
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This is not an official calculator from Presidential Bank Fsb. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,530Origination Dollar Volume (All Markets)
$940,750,000Awards
Presidential Bank FSB - 2024
Presidential Bank FSB is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Presidential Bank Fsb's average 30 year fixed mortgage rate was
6.62%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.07%.
Relative Fees (Closing Costs)
Presidential Bank Fsb's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,436.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 432 | $172,500,000 | $399,306 | $11,948 | 6.39% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 325 | $160,885,000 | $495,031 | $9,926 | 6.64% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 295 | $99,035,000 | $335,712 | $8,396 | 6.72% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 187 | $80,145,000 | $428,583 | $10,617 | 6.63% |
| RICHMOND, VA (FHA|USDA|VA) | 242 | $66,210,000 | $273,595 | $8,163 | 6.66% |
| Outside of Metro Areas | 162 | $44,220,000 | $272,963 | $7,384 | 6.83% |
| WILMINGTON, NC (FHA|USDA|VA) | 31 | $16,195,000 | $522,419 | $11,737 | 6.79% |
| St. Marys, GA (FHA|USDA|VA) | 52 | $15,900,000 | $305,769 | $9,597 | 6.27% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 42 | $13,890,000 | $330,714 | $8,106 | 6.66% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 31 | $13,535,000 | $436,613 | $9,827 | 6.79% |
| BRUNSWICK, GA (FHA|USDA|VA) | 40 | $12,060,000 | $301,500 | $8,222 | 6.76% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 32 | $9,680,000 | $302,500 | $7,856 | 6.73% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 27 | $8,865,000 | $328,333 | $6,095 | 6.99% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 36 | $8,680,000 | $241,111 | $8,204 | 6.53% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $8,260,000 | $2,065,000 | $6,977 | 7.31% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 28 | $8,090,000 | $288,929 | $8,141 | 6.53% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $7,785,000 | $598,846 | $13,379 | 6.85% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 21 | $7,075,000 | $336,905 | $6,664 | 6.71% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 12 | $5,750,000 | $479,167 | $8,947 | 7.17% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 21 | $5,615,000 | $267,381 | $7,312 | 6.36% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $5,130,000 | $320,625 | $7,090 | 6.70% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 7 | $4,885,000 | $697,857 | $11,717 | 6.21% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 12 | $4,880,000 | $406,667 | $10,128 | 6.74% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 15 | $4,765,000 | $317,667 | $7,548 | 7.04% |
| GAINESVILLE, GA (FHA|USDA|VA) | 11 | $4,255,000 | $386,818 | $10,484 | 6.61% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 12 | $4,150,000 | $345,833 | $10,283 | 6.19% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 12 | $4,120,000 | $343,333 | $9,075 | 6.57% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 14 | $4,090,000 | $292,143 | $5,811 | 7.06% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $4,035,000 | $576,429 | $16,227 | 6.64% |
| Elizabeth City, NC (FHA|USDA|VA) | 13 | $3,875,000 | $298,077 | $8,121 | 6.75% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 10 | $3,840,000 | $384,000 | $8,425 | 7.01% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $3,610,000 | $257,857 | $5,455 | 6.82% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $3,510,000 | $877,500 | $18,261 | 7.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $3,450,000 | $431,250 | $10,545 | 6.98% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $3,150,000 | $393,750 | $10,186 | 6.70% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 15 | $3,115,000 | $207,667 | $7,191 | 5.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 10 | $3,030,000 | $303,000 | $6,876 | 6.49% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $2,960,000 | $370,000 | $10,193 | 6.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $2,740,000 | $685,000 | $15,438 | 6.47% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $2,680,000 | $670,000 | $11,949 | 7.09% |
| SPARTANBURG, SC (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $9,204 | 6.33% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 7 | $2,605,000 | $372,143 | $8,421 | 6.36% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $2,480,000 | $1,240,000 | $10,124 | 7.88% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 9 | $2,455,000 | $272,778 | $6,814 | 6.51% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $2,380,000 | $396,667 | $14,804 | 6.17% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 9 | $2,325,000 | $258,333 | $7,636 | 6.53% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $2,175,000 | $2,175,000 | $0 | 7.75% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $2,125,000 | $303,571 | $9,923 | 6.52% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $9,284 | 6.93% |
| Paducah, KY-IL (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $6,117 | 7.00% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $8,649 | 6.48% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $0 | 8.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $7,621 | 6.59% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $10,696 | 6.35% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $1,705,000 | $568,333 | $3,530 | 6.29% |
| Dickinson, ND (FHA|USDA|VA) | 6 | $1,650,000 | $275,000 | $7,880 | 6.87% |
| Boone, NC (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $6,056 | 7.09% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,430,000 | $715,000 | $18,142 | 7.12% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $10,020 | 7.09% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $3,230 | 6.92% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $1,285,000 | $428,333 | $5,045 | 6.33% |
| Seneca, SC (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $8,917 | 6.33% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $8,677 | 6.41% |
| GETTYSBURG, PA (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $12,098 | 7.00% |
| Easton, MD (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $7,851 | 7.54% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $15,089 | 6.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $4,050 | 6.81% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $6,806 | 7.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $11,728 | 6.79% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $9,616 | 6.81% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $8,067 | 7.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $17,755 | 7.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $0 | 8.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $7,336 | 6.21% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $8,577 | 6.67% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,181 | 6.71% |
| Sanford, NC (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $7,775 | 6.84% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $8,260 | 7.08% |
| DECATUR, AL (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,631 | 6.79% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $11,667 | 6.00% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $8,636 | 6.83% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $9,845 | 6.56% |
| Gaffney, SC (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $8,954 | 6.50% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $12,226 | 6.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $11,910 | 5.75% |
| BISMARCK, ND (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $6,191 | 7.04% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $5,079 | 7.56% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,340 | 6.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $5,136 | 6.25% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,159 | 6.58% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $5,344 | 6.99% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,146 | 7.13% |
| Rutland, VT (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $12,050 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,601 | 7.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $8,063 | 6.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,387 | 6.25% |
| Picayune, MS (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $21,182 | 6.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $17,578 | 5.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,564 | 6.56% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $10,708 | 7.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $8,133 | 4.42% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $10,799 | 6.63% |
| STAUNTON, VA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,755 | 6.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $9,122 | 7.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 7.31% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $10,952 | 5.88% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,591 | 6.94% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,211 | 6.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $7,217 | 6.00% |
| Jesup, GA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,880 | 6.75% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $17,768 | 6.63% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $10,182 | 6.94% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $18,338 | 6.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,555 | 6.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,862 | 7.31% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,281 | 6.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $10,611 | 6.31% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,325 | 6.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,268 | 7.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,061 | 5.63% |
| Elkins, WV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,839 | 6.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $15,439 | 6.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,183 | 5.63% |
| Vidalia, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,578 | 6.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $6,198 | 7.13% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,936 | 6.63% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,670 | 5.25% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,267 | 6.25% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,280 | 5.88% |
| Waycross, GA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,220 | 6.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,214 | 6.13% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,274 | 7.00% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,833 | 6.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,489 | 5.75% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $10,159 | 6.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,495 | 6.99% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,227 | 6.00% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,517 | 7.13% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,060 | 5.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,610 | 7.63% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,679 | 6.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,049 | 7.50% |
| Arcadia, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,909 | 8.75% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,343 | 6.75% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,613 | 6.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,946 | 7.13% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,944 | 6.38% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,231 | 7.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,519 | 6.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,170 | 6.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,902 | 7.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $12,036 | 6.13% |
| Sayre, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,693 | 6.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,220 | 6.13% |
| READING, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,464 | 7.13% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,837 | 6.63% |
| Keene, NH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,912 | 6.13% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,120 | 6.00% |
| Somerset, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,672 | 7.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,438 | 6.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,041 | 6.75% |
| DuBois, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,007 | 5.25% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,195 | 7.49% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,211 | 6.75% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,409 | 6.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,217 | 7.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,886 | 6.63% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,429 | 6.50% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,031 | 6.50% |
| Kinston, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,329 | 6.00% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,894 | 6.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,713 | 7.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,716 | 6.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,442 | 7.13% |
| AKRON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.13% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.38% |
Similar Lenders
We use machine learning to identify the top lenders compared against Presidential Bank FSB based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2024, Presidential Bank Fsb's most frequently originated type of loan was Conventional, with 1,406 originations. Their 2nd most popular type was FHA, with 572 originations.
Loan Reason
For 2024, Presidential Bank Fsb's most frequently cited loan purpose was Home Purchase, with 2,296 originations. The 2nd most popular reason was Cash Out Refi, with 132 originations.
Loan Duration/Length
For 2024, Presidential Bank Fsb's most frequently cited loan duration was 30 Year, with 2,478 originations. The 2nd most popular length was 15 Year, with 23 originations.
Origination Fees/Closing Costs
Presidential Bank Fsb's average total fees were $9,436, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 774 originations.
Interest Rates
During 2024, Presidential Bank Fsb's average interest rate for loans was 6.62%, while their most frequently originated rate bucket for loans was 6-7%, with 1,563 originations.
Loan Sizing
2024 saw Presidential Bank Fsb place emphasis on $200k-400k loans with 1,257 originations, totaling $373,565,000 in origination value.
Applicant Income
Presidential Bank Fsb lent most frequently to those with incomes in the $100k-150k range, with 622 originations. The second most popular income band? $75k-100k, with 528 originations.
Applicant Debt to Income Ratio
Presidential Bank Fsb lent most frequently to those with DTI ratios of 30-36%, with 369 originations. The next most common DTI ratio? 20-30%, with 298 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.40%
Presidential Bank Fsb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.30%
Presidential Bank Fsb has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,530 | $940,750,000 | $371,838 |