Presidential Bank in Florida vs the state
7.7%Denial rate-13.37 pts vs state
9.3%Decision denial rate-17.99 pts vs state
75.5%Origination rate+22.79 pts vs state
6.63%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.08 pts vs state
$128kMedian applicant income
157Loans originated
16Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 58 | 10.8% | 6.63% | #547 |
| 2024 | 159 | 118 | 7.6% | 6.75% | #413 |
| 2025 | 208 | 157 | 7.7% | 6.63% | #360 |
What Presidential Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Indian River County | 55 | 48 | 3 | 5.5% |
| Palm Beach County | 16 | 12 | 2 | 12.5% |
| Pinellas County | 15 | 8 | 2 | 13.3% |
| Volusia County | 11 | 10 | 0 | 0.0% |
| Escambia County | 9 | 6 | 1 | 11.1% |
| Pasco County | 8 | 7 | 0 | 0.0% |
| St. Lucie County | 7 | 3 | 0 | 0.0% |
| Duval County | 7 | 3 | 0 | 0.0% |
| Lee County | 7 | 6 | 0 | 0.0% |
| Hillsborough County | 7 | 4 | 1 | 14.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 208 applications in 2025, of which 157 were originated and 16 denied.
7.7% of all applications, or 9.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Presidential Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Presidential Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology