Presidential Bank, FSB
3,063 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,063
- Median rate
- 6.625%
- Median lender fees
- $7,683
- Median loan amount
- $335,000
- Median spread over APOR
- 0.305
- Paid discount points
- 59%
- Received lender credits
- 39.3%
- Purchases / refinances
- 87.2% / 12.7%
- Conventional / FHA / VA
- 58.1% / 21.7% / 18.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.7% of loans here — see methodology.
Where Presidential Bank, FSB lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 809 | $7,169 | 6.625% |
| Georgia | 678 | $8,917 | 6.490% |
| Maryland | 395 | $8,772 | 6.625% |
| North Carolina | 215 | $6,990 | 6.750% |
| Florida | 157 | $7,047 | 6.625% |
| South Carolina | 110 | $7,355 | 6.500% |
| Tennessee | 86 | $6,338 | 6.625% |
| North Dakota | 80 | $8,505 | 6.990% |
| Alabama | 75 | $5,452 | 6.625% |
| New York | 62 | $10,336 | 6.500% |