Presidential Bank in Maryland vs the state
4.2%Denial rate-14.62 pts vs state
4.8%Decision denial rate-19.35 pts vs state
82.5%Origination rate+26.75 pts vs state
6.63%Median rate0.00 pts vs state
0.28Rate spread (pts)+0.03 pts vs state
$132kMedian applicant income
395Loans originated
20Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 605 | 528 | 3.8% | 6.63% | #65 |
| 2024 | 486 | 413 | 3.5% | 6.63% | #86 |
| 2025 | 479 | 395 | 4.2% | 6.63% | #93 |
What Presidential Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 92 | 78 | 6 | 6.5% |
| Montgomery County | 74 | 62 | 1 | 1.4% |
| Anne Arundel County | 63 | 56 | 0 | 0.0% |
| Baltimore County | 42 | 35 | 2 | 4.8% |
| Washington County | 40 | 32 | 1 | 2.5% |
| Prince George's County | 37 | 23 | 6 | 16.2% |
| Howard County | 32 | 30 | 1 | 3.1% |
| Carroll County | 31 | 26 | 1 | 3.2% |
| St. Mary's County | 17 | 16 | 0 | 0.0% |
| Charles County | 12 | 8 | 1 | 8.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 479 applications in 2025, of which 395 were originated and 20 denied.
4.2% of all applications, or 4.8% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Presidential Bank originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology