The stability of a bank with the speed of a mortgage company.

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About Us

At Presidential Bank Mortgage, we are more than just a lender. We are a Federally Chartered Bank with a local presence and have been a leader in the Mid-Atlantic Region for over 38 years. We lend in all 50 states (no licensing required), while still maintaining local ties to the community and real estate professionals in our area.

Loan Officers & Managers have been with us 10, 15, 20, and even 25 years!
  In-house processing, underwriting, and closing teammates have been with us for 10, 20, and 30 years!
Privately held bank committed to mortgage business for over 38 years.
Originated $1.64 billion in 2021 and $716 million in 2022.
Branch-specific appraiser panels
  No multi-layer management, go directly to senior leadership for on-the-spot decision-making

4.9 Average Score

4.9 Average Score

4.9 Average Score

Why work with us?

We channel our resources to promoting and building YOUR BUSINESS AND BRAND! Clients and agents choose YOU, not the company. That's why we provide you with the tools you need for long-term success.

All The Products & Programs Customers Demand
  • FNMA, FHLMC, FHA, VA, USDA & State Bond
  • Portfolio ARM Product & 1X Close Construction
  • FHLB Grants & Presidential Bank Grants
Competitive Company Benefits
  • Company Funded Pension
  • 401(k) with Corporate Match
  • Medical, Dental and Vision Care Programs
  • Cell Phone Allowance
Dedicated Mortgage Marketing Team
  • We do all the heavy lifting to give you a robust social media presence and amazing done-for you automated marketing systems.
Simple Workflows and Seamless Processing
  • Encompass LOS
  • Encompass Web Access
  • All vendor systems integrated into LOS
  • Hands-On Training/Designated Loan Support Team


Rate Protection

  • Overnight rate protection to lock loans after hours and EVEN ON WEEKENDS AND HOLIDAYS!
  • Lock and Shop program on all agency programs (Conv, FHA, VA and USDA) up to 110 days with no upfront fee
  • Long term lock options up to 350 days
  • Rate Drop Program with exclusive savings when interest rates drop and loan refinances to a lower rate

Buyer's Edge Pre-Approval

  • Upfront credit approval
  • Reduced closing time

Custom Products & Programs

  • Presidential Bank's New Home Advantage Grant Program with up to $5,000 in closing cost assistance
  • Community Lending Program with up to 2 point pricing discount to lower interest rate or apply toward closing costs
  • 7/1 Adjustable Rate Mortgage (ARM) program with flexibility to borrowers who may not meet agency guidelines
  • Automated income, employment and asset verification through Presidential's Reduced Asset, Property, and Income Documentation "RAPID" Program

In-House One-Time Close Construction Loans LO can be paid twice!

  • Construction-to-Permanent
  • Renovation
  • Lot Loans

Government Loans

  • VA Loans
  • FHA Loans
  • USDA Loans
  • Virginia Housing
  • Maryland Mortgage Program
  • DC Open Doors
  • PA Finance Housing Agency Programs

Additional Products

  • FHLB Grant Programs
  • HomeReady/HomePossible
  • High Balance and Jumbo
  • Bank Statement Program
  • In-House HELOC Program