Presidential Bank in Pennsylvania vs the state
6.8%Denial rate-11.51 pts vs state
8.3%Decision denial rate-13.88 pts vs state
74.6%Origination rate+13.62 pts vs state
6.88%Median rate+0.25 pts vs state
0.42Rate spread (pts)+0.18 pts vs state
$112kMedian applicant income
44Loans originated
4Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 56 | 4.2% | 6.56% | #417 |
| 2024 | 69 | 60 | 2.9% | 6.63% | #424 |
| 2025 | 59 | 44 | 6.8% | 6.88% | #462 |
What Presidential Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Presidential Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 13 | 10 | 0 | 0.0% |
| York County | 8 | 4 | 1 | 12.5% |
| Franklin County | 6 | 6 | 0 | 0.0% |
| Adams County | 6 | 5 | 1 | 16.7% |
| Montgomery County | 5 | 4 | 0 | 0.0% |
| Pike County | 3 | 3 | 0 | 0.0% |
| Berks County | 2 | 0 | 1 | 50.0% |
| Delaware County | 2 | 2 | 0 | 0.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Luzerne County | 2 | 1 | 1 | 50.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 59 applications in 2025, of which 44 were originated and 4 denied.
6.8% of all applications, or 8.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Presidential Bank originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Presidential Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology