Lenders › Presidential Bank, FSB › Florida
Presidential Bank, FSB in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Presidential Bank, FSB reported 159 applications and 118 originations for 2024, $39m in all.
Its denial rate in the state was 9.0%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 4.2%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 115% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Presidential Bank, FSB, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.0% | 29.0% | 4.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.3% | 16.4% | 4.1% | 15.6% |
| Average originated loan | $328k | $359k | $372k | $329k |
| Home purchase share | 88.1% | 62.9% | 90.8% | 57.0% |
| FHA-insured share | 13.6% | 17.7% | 22.6% | 13.4% |
| VA-guaranteed share | 16.1% | 9.5% | 20.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 88% (104)Refinancing 2% (2)Cash-out refinancing 10% (12)
By type
Conventional 69% (81)FHA 14% (16)VA 16% (19)USDA 2% (2)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Florida
No county in the state reaches 25 applications.
Questions and answers
How many mortgages did Presidential Bank, FSB originate in Florida in 2024?
118 loans totalling $39m, from 159 applications reported for properties in Florida.
What is Presidential Bank, FSB's denial rate in Florida?
9.0% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 4.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Presidential Bank, FSB lend in most?
No county in the state reaches 25 applications.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.