Provident Bank Mortgage Lending & HMDA Data, 2004
In 2004, Provident Bank of Cleveland, OH reported 17,616 mortgage applications totaling $1.8 billion, up 8% from 2003. The average application was for $101,994, and applicants reported an average income of $73,388. 28% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (1,508), Chicago-Naperville-Joliet, IL (579) and Los Angeles-Long Beach-Glendale, CA (471) (applications in parentheses).
| Mortgage Company & Address | Provident Bank 1900 E 9th Street Locator 01-3013 Cleveland, OH 44114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 17,616 |
| Total Mortgage Loan Application Amount | $1,796,737,000 |
| Average Mortgage Loan Application Amount | $101,994 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $73,388 |
| Highest Applicant Income | $4,700,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Provident Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 1,508 | $ 112,752,000 | $ 74,769 | $ 57,000 |
| Chicago-Naperville-Joliet, IL | 579 | $ 76,773,000 | $ 132,595 | $ 75,000 |
| Los Angeles-Long Beach-Glendale, CA | 471 | $ 93,942,000 | $ 199,452 | $ 108,000 |
| Atlanta-Sandy Springs-Marietta, GA | 440 | $ 62,400,000 | $ 141,818 | $ 64,000 |
| Riverside-San Bernardino-Ontario, CA | 354 | $ 49,628,000 | $ 140,192 | $ 85,000 |
| Philadelphia, PA | 344 | $ 21,246,000 | $ 61,761 | $ 84,000 |
| Baltimore-Towson, MD | 298 | $ 29,108,000 | $ 97,677 | $ 78,000 |
| Edison, NJ | 292 | $ 25,209,000 | $ 86,332 | $ 121,000 |
| Nassau-Suffolk, NY | 252 | $ 27,698,000 | $ 109,912 | $ 93,000 |
| Camden, NJ | 230 | $ 13,856,000 | $ 60,243 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 202 | $ 14,460,000 | $ 71,584 | $ 62,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 189 | $ 23,540,000 | $ 124,550 | $ 96,000 |
| Newark-Union, NJ-PA | 189 | $ 16,778,000 | $ 88,772 | $ 105,000 |
| New York-Wayne-White Plains, NY-NJ | 188 | $ 28,219,000 | $ 150,101 | $ 99,000 |
| Phoenix-Mesa-Scottsdale, AZ | 184 | $ 16,447,000 | $ 89,385 | $ 66,000 |
| Dayton, OH | 179 | $ 13,045,000 | $ 72,877 | $ 58,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 175 | $ 25,368,000 | $ 144,960 | $ 89,000 |
| Santa Ana-Anaheim-Irvine, CA | 175 | $ 37,851,000 | $ 216,291 | $ 170,000 |
| Denver-Aurora, CO | 165 | $ 18,250,000 | $ 110,606 | $ 69,000 |
| Las Vegas-Paradise, NV | 161 | $ 19,660,000 | $ 122,111 | $ 109,000 |
| Milwaukee-Waukesha-West Allis, WI | 157 | $ 13,792,000 | $ 87,847 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 148 | $ 11,566,000 | $ 78,148 | $ 50,000 |
| Warren-Farmington Hills-Troy, MI | 143 | $ 15,634,000 | $ 109,328 | $ 78,000 |
| San Diego-Carlsbad-San Marcos, CA | 142 | $ 24,368,000 | $ 171,605 | $ 93,000 |
| Pittsburgh, PA | 125 | $ 6,292,000 | $ 50,336 | $ 61,000 |
| Seattle-Bellevue-Everett, WA | 119 | $ 13,620,000 | $ 114,453 | $ 119,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 119 | $ 9,399,000 | $ 78,983 | $ 54,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 114 | $ 13,317,000 | $ 116,815 | $ 65,000 |
| Bethesda-Frederick-Gaithersburg, MD | 111 | $ 15,613,000 | $ 140,657 | $ 66,000 |
| Houston-Baytown-Sugar Land, TX | 108 | $ 12,677,000 | $ 117,379 | $ 76,000 |
| Boston-Quincy, MA | 102 | $ 10,589,000 | $ 103,813 | $ 103,000 |
| Jacksonville, FL | 96 | $ 8,091,000 | $ 84,281 | $ 55,000 |
| Columbus, OH | 93 | $ 7,407,000 | $ 79,645 | $ 65,000 |
| Oakland-Fremont-Hayward, CA | 93 | $ 14,582,000 | $ 156,795 | $ 125,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 92 | $ 9,808,000 | $ 106,608 | $ 88,000 |
| Kansas City, MO-KS | 91 | $ 6,708,000 | $ 73,714 | $ 63,000 |
| Orlando, FL | 90 | $ 7,781,000 | $ 86,455 | $ 62,000 |
| Wilmington, DE-MD-NJ | 82 | $ 5,918,000 | $ 72,170 | $ 55,000 |
| Hartford-West Hartford-East Hartford, CT | 79 | $ 5,431,000 | $ 68,746 | $ 77,000 |
| Providence-New Bedford-Fall River, RI-MA | 78 | $ 5,784,000 | $ 74,153 | $ 66,000 |
| Richmond, VA | 76 | $ 4,688,000 | $ 61,684 | $ 55,000 |
| Portland-Vancouver-Beaverton, OR-WA | 74 | $ 7,094,000 | $ 95,864 | $ 80,000 |
| St. Louis, MO-IL | 74 | $ 5,645,000 | $ 76,283 | $ 64,000 |
| Cleveland-Elyria-Mentor, OH | 72 | $ 5,743,000 | $ 79,763 | $ 61,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 68 | $ 5,338,000 | $ 78,500 | $ 75,000 |
| Birmingham-Hoover, AL | 65 | $ 6,209,000 | $ 95,523 | $ 54,000 |
| Indianapolis, IN | 65 | $ 5,237,000 | $ 80,569 | $ 58,000 |
| Lansing-East Lansing, MI | 63 | $ 5,352,000 | $ 84,952 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 62 | $ 8,142,000 | $ 131,322 | $ 118,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 62 | $ 7,135,000 | $ 115,080 | $ 66,000 |
| Cambridge-Newton-Framingham, MA | 55 | $ 5,432,000 | $ 98,763 | $ 92,000 |
| Memphis, TN-MS-AR | 54 | $ 5,625,000 | $ 104,166 | $ 64,000 |
| New Haven-Milford, CT | 53 | $ 4,152,000 | $ 78,339 | $ 122,000 |
| Stockton, CA | 53 | $ 7,410,000 | $ 139,811 | $ 77,000 |
| Albany-Schenectady-Troy, NY | 52 | $ 3,885,000 | $ 74,711 | $ 70,000 |
| Charlotte-Gastonia-Concord, NC-SC | 52 | $ 5,436,000 | $ 104,538 | $ 82,000 |
| Cape Coral-Fort Myers, FL | 51 | $ 4,926,000 | $ 96,588 | $ 55,000 |
| Dallas-Plano-Irving, TX | 51 | $ 6,376,000 | $ 125,019 | $ 83,000 |
| Bridgeport-Stamford-Norwalk, CT | 49 | $ 6,407,000 | $ 130,755 | $ 114,000 |
| Fresno, CA | 49 | $ 4,891,000 | $ 99,816 | $ 67,000 |
| Oklahoma City, OK | 49 | $ 3,043,000 | $ 62,102 | $ 57,000 |
| Worcester, MA | 48 | $ 4,006,000 | $ 83,458 | $ 91,000 |
| Trenton-Ewing, NJ | 46 | $ 3,443,000 | $ 74,847 | $ 275,000 |
| Grand Rapids-Wyoming, MI | 45 | $ 4,264,000 | $ 94,755 | $ 56,000 |
| Portland-South Portland-Biddeford, ME | 45 | $ 2,604,000 | $ 57,866 | $ 58,000 |
| Raleigh-Cary, NC | 45 | $ 4,110,000 | $ 91,333 | $ 83,000 |
| Springfield, OH | 45 | $ 2,573,000 | $ 57,177 | $ 54,000 |
| Greenville, SC | 44 | $ 5,405,000 | $ 122,840 | $ 56,000 |
| Bakersfield, CA | 42 | $ 4,725,000 | $ 112,500 | $ 53,000 |
| Essex County, MA | 42 | $ 3,722,000 | $ 88,619 | $ 91,000 |
| Nashville-Davidson--Murfreesboro, TN | 41 | $ 7,383,000 | $ 180,073 | $ 134,000 |
| Little Rock-North Little Rock, AR | 40 | $ 2,928,000 | $ 73,200 | $ 61,000 |
| Rockingham County-Strafford County, NH | 40 | $ 3,019,000 | $ 75,475 | $ 92,000 |
| San Francisco-San Mateo-Redwood City, CA | 40 | $ 8,732,000 | $ 218,300 | $ 127,000 |
| Tacoma, WA | 39 | $ 3,857,000 | $ 98,897 | $ 77,000 |
| Akron, OH | 38 | $ 3,281,000 | $ 86,342 | $ 52,000 |
| Palm Bay-Melbourne-Titusville, FL | 38 | $ 3,078,000 | $ 81,000 | $ 65,000 |
| Salt Lake City, UT | 37 | $ 2,884,000 | $ 77,945 | $ 68,000 |
| Sarasota-Bradenton-Venice, FL | 37 | $ 3,507,000 | $ 94,783 | $ 68,000 |
| Vallejo-Fairfield, CA | 37 | $ 7,355,000 | $ 198,783 | $ 114,000 |
| Buffalo-Niagara Falls, NY | 36 | $ 1,859,000 | $ 51,638 | $ 52,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 36 | $ 7,292,000 | $ 202,555 | $ 124,000 |
| Tucson, AZ | 36 | $ 2,034,000 | $ 56,500 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 35 | $ 5,934,000 | $ 169,542 | $ 108,000 |
| Gary, IN | 34 | $ 2,384,000 | $ 70,117 | $ 68,000 |
| Springfield, MA | 34 | $ 1,874,000 | $ 55,117 | $ 75,000 |
| Springfield, MO | 33 | $ 2,925,000 | $ 88,636 | $ 69,000 |
| Louisville, KY-IN | 32 | $ 3,020,000 | $ 94,375 | $ 84,000 |
| Modesto, CA | 32 | $ 4,000,000 | $ 125,000 | $ 79,000 |
| Atlantic City, NJ | 31 | $ 1,479,000 | $ 47,709 | $ 48,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 31 | $ 2,540,000 | $ 81,935 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 31 | $ 1,841,000 | $ 59,387 | $ 62,000 |
| Flint, MI | 30 | $ 1,644,000 | $ 54,800 | $ 62,000 |
| Pensacola-Ferry Pass-Brent, FL | 29 | $ 2,141,000 | $ 73,827 | $ 55,000 |
| Youngstown-Warren-Boardman, OH-PA | 29 | $ 1,956,000 | $ 67,448 | $ 50,000 |
| Manchester-Nashua, NH | 28 | $ 2,110,000 | $ 75,357 | $ 156,000 |
| Port St. Lucie-Fort Pierce, FL | 28 | $ 2,250,000 | $ 80,357 | $ 38,000 |
| Syracuse, NY | 28 | $ 1,446,000 | $ 51,642 | $ 75,000 |
| Scranton--Wilkes-Barre, PA | 27 | $ 1,138,000 | $ 42,148 | $ 61,000 |
| Spartanburg, SC | 27 | $ 3,279,000 | $ 121,444 | $ 57,000 |
| Fort Worth-Arlington, TX | 25 | $ 3,019,000 | $ 120,760 | $ 77,000 |
| Rochester, NY | 25 | $ 2,234,000 | $ 89,360 | $ 78,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 24 | $ 4,835,000 | $ 201,458 | $ 91,000 |
| Joplin, MO | 23 | $ 1,252,000 | $ 54,434 | $ 34,000 |
| Omaha-Council Bluffs, NE-IA | 23 | $ 1,449,000 | $ 63,000 | $ 95,000 |
| Austin-Round Rock, TX | 22 | $ 3,070,000 | $ 139,545 | $ 58,000 |
| Harrisburg-Carlisle, PA | 22 | $ 1,552,000 | $ 70,545 | $ 97,000 |
| Kalamazoo-Portage, MI | 22 | $ 1,468,000 | $ 66,727 | $ 147,000 |
| Reno-Sparks, NV | 22 | $ 2,539,000 | $ 115,409 | $ 101,000 |
| Columbia, SC | 21 | $ 1,972,000 | $ 93,904 | $ 57,000 |
| Ocala, FL | 21 | $ 1,534,000 | $ 73,047 | $ 51,000 |
| Burlington-South Burlington, VT | 20 | $ 957,000 | $ 47,850 | $ 124,000 |
| Merced, CA | 20 | $ 3,053,000 | $ 152,650 | $ 77,000 |
| San Antonio, TX | 20 | $ 2,208,000 | $ 110,400 | $ 78,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 3,394,000 | $ 169,700 | $ 117,000 |
| Toledo, OH | 20 | $ 945,000 | $ 47,250 | $ 64,000 |
| York-Hanover, PA | 20 | $ 1,250,000 | $ 62,500 | $ 57,000 |
| Charleston-North Charleston, SC | 19 | $ 2,433,000 | $ 128,052 | $ 57,000 |
| Charlottesville, VA | 19 | $ 1,693,000 | $ 89,105 | $ 67,000 |
| Colorado Springs, CO | 19 | $ 1,376,000 | $ 72,421 | $ 67,000 |
| Durham, NC | 19 | $ 1,740,000 | $ 91,578 | $ 73,000 |
| South Bend-Mishawaka, IN-MI | 19 | $ 1,255,000 | $ 66,052 | $ 56,000 |
| Wilmington, NC | 19 | $ 2,782,000 | $ 146,421 | $ 85,000 |
| Kingston, NY | 18 | $ 1,830,000 | $ 101,666 | $ 64,000 |
| Lancaster, PA | 18 | $ 1,127,000 | $ 62,611 | $ 57,000 |
| Muskegon-Norton Shores, MI | 18 | $ 1,430,000 | $ 79,444 | $ 36,000 |
| Provo-Orem, UT | 18 | $ 1,491,000 | $ 82,833 | $ 73,000 |
| Rockford, IL | 18 | $ 1,328,000 | $ 73,777 | $ 56,000 |
| Wichita, KS | 18 | $ 720,000 | $ 40,000 | $ 50,000 |
| Canton-Massillon, OH | 17 | $ 1,011,000 | $ 59,470 | $ 39,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 17 | $ 1,179,000 | $ 69,352 | $ 57,000 |
| Gadsden, AL | 17 | $ 2,010,000 | $ 118,235 | $ 47,000 |
| Madison, WI | 17 | $ 2,024,000 | $ 119,058 | $ 77,000 |
| Reading, PA | 17 | $ 857,000 | $ 50,411 | $ 70,000 |
| Redding, CA | 17 | $ 1,366,000 | $ 80,352 | $ 73,000 |
| Roanoke, VA | 17 | $ 1,221,000 | $ 71,823 | $ 38,000 |
| Tulsa, OK | 17 | $ 976,000 | $ 57,411 | $ 46,000 |
| Barnstable Town, MA | 16 | $ 2,101,000 | $ 131,312 | $ 79,000 |
| Boulder, CO | 16 | $ 1,456,000 | $ 91,000 | $ 92,000 |
| Dover, DE | 16 | $ 1,166,000 | $ 72,875 | $ 41,000 |
| Fort Wayne, IN | 16 | $ 1,149,000 | $ 71,812 | $ 61,000 |
| Greensboro-High Point, NC | 16 | $ 1,074,000 | $ 67,125 | $ 80,000 |
| Jackson, TN | 16 | $ 1,160,000 | $ 72,500 | $ 38,000 |
| Lakeland, FL | 16 | $ 1,419,000 | $ 88,687 | $ 47,000 |
| New Orleans-Metairie-Kenner, LA | 16 | $ 1,953,000 | $ 122,062 | $ 53,000 |
| San Luis Obispo-Paso Robles, CA | 16 | $ 1,850,000 | $ 115,625 | $ 76,000 |
| Ann Arbor, MI | 15 | $ 2,081,000 | $ 138,733 | $ 104,000 |
| Boise City-Nampa, ID | 15 | $ 1,099,000 | $ 73,266 | $ 73,000 |
| Decatur, AL | 15 | $ 1,452,000 | $ 96,800 | $ 54,000 |
| Gainesville, FL | 15 | $ 1,099,000 | $ 73,266 | $ 40,000 |
| Montgomery, AL | 15 | $ 1,001,000 | $ 66,733 | $ 35,000 |
| Norwich-New London, CT | 15 | $ 1,183,000 | $ 78,866 | $ 64,000 |
| Ocean City, NJ | 15 | $ 1,035,000 | $ 69,000 | $ 63,000 |
| Ogden-Clearfield, UT | 15 | $ 1,784,000 | $ 118,933 | $ 77,000 |
| Salem, OR | 15 | $ 1,662,000 | $ 110,800 | $ 58,000 |
| Tallahassee, FL | 15 | $ 1,220,000 | $ 81,333 | $ 71,000 |
| Vineland-Millville-Bridgeton, NJ | 15 | $ 720,000 | $ 48,000 | $ 61,000 |
| Visalia-Porterville, CA | 15 | $ 1,181,000 | $ 78,733 | $ 67,000 |
| Asheville, NC | 14 | $ 1,339,000 | $ 95,642 | $ 57,000 |
| Bremerton-Silverdale, WA | 14 | $ 757,000 | $ 54,071 | $ 74,000 |
| Holland-Grand Haven, MI | 14 | $ 1,230,000 | $ 87,857 | $ 55,000 |
| Muncie, IN | 14 | $ 804,000 | $ 57,428 | $ 51,000 |
| Salinas, CA | 14 | $ 2,889,000 | $ 206,357 | $ 93,000 |
| Bangor, ME | 13 | $ 461,000 | $ 35,461 | $ 63,000 |
| Des Moines, IA | 13 | $ 1,570,000 | $ 120,769 | $ 88,000 |
| Eugene-Springfield, OR | 13 | $ 985,000 | $ 75,769 | $ 78,000 |
| Niles-Benton Harbor, MI | 13 | $ 967,000 | $ 74,384 | $ 52,000 |
| Punta Gorda, FL | 13 | $ 1,110,000 | $ 85,384 | $ 52,000 |
| Spokane, WA | 13 | $ 710,000 | $ 54,615 | $ 77,000 |
| Topeka, KS | 13 | $ 838,000 | $ 64,461 | $ 56,000 |
| Greeley, CO | 12 | $ 961,000 | $ 80,083 | $ 59,000 |
| Jackson, MI | 12 | $ 1,780,000 | $ 148,333 | $ 59,000 |
| Racine, WI | 12 | $ 1,153,000 | $ 96,083 | $ 58,000 |
| Anderson, SC | 11 | $ 843,000 | $ 76,636 | $ 49,000 |
| Baton Rouge, LA | 11 | $ 985,000 | $ 89,545 | $ 65,000 |
| Lincoln, NE | 11 | $ 943,000 | $ 85,727 | $ 87,000 |
| Medford, OR | 11 | $ 1,273,000 | $ 115,727 | $ 56,000 |
| Vero Beach, FL | 11 | $ 772,000 | $ 70,181 | $ 64,000 |
| Battle Creek, MI | 10 | $ 720,000 | $ 72,000 | $ 55,000 |
| Chico, CA | 10 | $ 1,209,000 | $ 120,900 | $ 81,000 |
| Duluth, MN-WI | 10 | $ 367,000 | $ 36,700 | $ 58,000 |
| Erie, PA | 10 | $ 725,000 | $ 72,500 | $ 132,000 |
| Fort Collins-Loveland, CO | 10 | $ 1,561,000 | $ 156,100 | $ 132,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 844,000 | $ 84,400 | $ 49,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 576,000 | $ 57,600 | $ 35,000 |
| Napa, CA | 10 | $ 931,000 | $ 93,100 | $ 99,000 |
| Naples-Marco Island, FL | 10 | $ 1,256,000 | $ 125,600 | $ 98,000 |
| Oshkosh-Neenah, WI | 10 | $ 974,000 | $ 97,400 | $ 58,000 |
| Saginaw-Saginaw Township North, MI | 10 | $ 423,000 | $ 42,300 | $ 56,000 |
| Yuba City, CA | 10 | $ 1,176,000 | $ 117,600 | $ 62,000 |
| Anderson, IN | 9 | $ 507,000 | $ 56,333 | $ 39,000 |
| Appleton, WI | 9 | $ 979,000 | $ 108,777 | $ 44,000 |
| Champaign-Urbana, IL | 9 | $ 264,000 | $ 29,333 | $ 54,000 |
| Chattanooga, TN-GA | 9 | $ 1,225,000 | $ 136,111 | $ 62,000 |
| Fond Du Lac, WI | 9 | $ 665,000 | $ 73,888 | $ 55,000 |
| Huntsville, AL | 9 | $ 730,000 | $ 81,111 | $ 47,000 |
| Lexington-Fayette, KY | 9 | $ 568,000 | $ 63,111 | $ 82,000 |
| Macon, GA | 9 | $ 890,000 | $ 98,888 | $ 50,000 |
| Madera, CA | 9 | $ 874,000 | $ 97,111 | $ 67,000 |
| Mobile, AL | 9 | $ 887,000 | $ 98,555 | $ 99,000 |
| Winston-Salem, NC | 9 | $ 1,235,000 | $ 137,222 | $ 55,000 |
| Bay City, MI | 8 | $ 450,000 | $ 56,250 | $ 34,000 |
| Bellingham, WA | 8 | $ 549,000 | $ 68,625 | $ 57,000 |
| Binghamton, NY | 8 | $ 388,000 | $ 48,500 | $ 76,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 793,000 | $ 99,125 | $ 45,000 |
| Elkhart-Goshen, IN | 8 | $ 915,000 | $ 114,375 | $ 46,000 |
| Elmira, NY | 8 | $ 432,000 | $ 54,000 | $ 47,000 |
| Fayetteville, NC | 8 | $ 773,000 | $ 96,625 | $ 72,000 |
| Flagstaff, AZ | 8 | $ 926,000 | $ 115,750 | $ 61,000 |
| Florence, SC | 8 | $ 849,000 | $ 106,125 | $ 50,000 |
| Janesville, WI | 8 | $ 691,000 | $ 86,375 | $ 136,000 |
| Monroe, MI | 8 | $ 1,297,000 | $ 162,125 | $ 88,000 |
| Olympia, WA | 8 | $ 537,000 | $ 67,125 | $ 70,000 |
| Peoria, IL | 8 | $ 393,000 | $ 49,125 | $ 49,000 |
| Santa Cruz-Watsonville, CA | 8 | $ 1,659,000 | $ 207,375 | $ 106,000 |
| St. Joseph, MO-KS | 8 | $ 577,000 | $ 72,125 | $ 46,000 |
| Winchester, VA-WV | 8 | $ 460,000 | $ 57,500 | $ 74,000 |
| Charleston, WV | 7 | $ 747,000 | $ 106,714 | $ 105,000 |
| Evansville, IN-KY | 7 | $ 664,000 | $ 94,857 | $ 79,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 531,000 | $ 75,857 | $ 58,000 |
| Green Bay, WI | 7 | $ 476,000 | $ 68,000 | $ 69,000 |
| Kennewick-Richland-Pasco, WA | 7 | $ 239,000 | $ 34,142 | $ 84,000 |
| Laredo, TX | 7 | $ 624,000 | $ 89,142 | $ 51,000 |
| McAllen-Edinburg-Pharr, TX | 7 | $ 556,000 | $ 79,428 | $ 52,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 7 | $ 883,000 | $ 126,142 | $ 75,000 |
| Panama City-Lynn Haven, FL | 7 | $ 392,000 | $ 56,000 | $ 59,000 |
| Santa Fe, NM | 7 | $ 1,598,000 | $ 228,285 | $ 172,000 |
| Springfield, IL | 7 | $ 327,000 | $ 46,714 | $ 54,000 |
| Williamsport, PA | 7 | $ 333,000 | $ 47,571 | $ 29,000 |
| Yuma, AZ | 7 | $ 255,000 | $ 36,428 | $ 71,000 |
| Altoona, PA | 6 | $ 489,000 | $ 81,500 | $ 66,000 |
| Anniston-Oxford, AL | 6 | $ 662,000 | $ 110,333 | $ 58,000 |
| Florence-Muscle Shoals, AL | 6 | $ 587,000 | $ 97,833 | $ 57,000 |
| Gainesville, GA | 6 | $ 692,000 | $ 115,333 | $ 40,000 |
| Grand Junction, CO | 6 | $ 469,000 | $ 78,166 | $ 90,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 475,000 | $ 79,166 | $ 54,000 |
| Jacksonville, NC | 6 | $ 275,000 | $ 45,833 | $ 52,000 |
| Knoxville, TN | 6 | $ 582,000 | $ 97,000 | $ 42,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 556,000 | $ 92,666 | $ 82,000 |
| Rochester, MN | 6 | $ 264,000 | $ 44,000 | $ 97,000 |
| Salisbury, MD | 6 | $ 501,000 | $ 83,500 | $ 70,000 |
| Savannah, GA | 6 | $ 418,000 | $ 69,666 | $ 46,000 |
| Sioux City, IA-NE-SD | 6 | $ 336,000 | $ 56,000 | $ 44,000 |
| State College, PA | 6 | $ 182,000 | $ 30,333 | $ 71,000 |
| Warner Robins, GA | 6 | $ 530,000 | $ 88,333 | $ 57,000 |
| Albany, GA | 5 | $ 726,000 | $ 145,200 | $ 143,000 |
| Amarillo, TX | 5 | $ 746,000 | $ 149,200 | $ 97,000 |
| Auburn-Opelika, AL | 5 | $ 434,000 | $ 86,800 | $ 53,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 367,000 | $ 73,400 | $ 40,000 |
| Beaumont-Port Arthur, TX | 5 | $ 295,000 | $ 59,000 | $ 60,000 |
| Bend, OR | 5 | $ 136,000 | $ 27,200 | $ 69,000 |
| Corpus Christi, TX | 5 | $ 360,000 | $ 72,000 | $ 64,000 |
| Dalton, GA | 5 | $ 475,000 | $ 95,000 | $ 49,000 |
| Hanford-Corcoran, CA | 5 | $ 505,000 | $ 101,000 | $ 56,000 |
| Idaho Falls, ID | 5 | $ 580,000 | $ 116,000 | $ 59,000 |
| Kankakee-Bradley, IL | 5 | $ 396,000 | $ 79,200 | $ 60,000 |
| Lebanon, PA | 5 | $ 255,000 | $ 51,000 | $ 72,000 |
| Lewiston-Auburn, ME | 5 | $ 533,000 | $ 106,600 | $ 54,000 |
| Mansfield, OH | 5 | $ 290,000 | $ 58,000 | $ 36,000 |
| Sheboygan, WI | 5 | $ 342,000 | $ 68,400 | $ 88,000 |
| St. Cloud, MN | 5 | $ 501,000 | $ 100,200 | $ 63,000 |
| Waco, TX | 5 | $ 296,000 | $ 59,200 | $ 91,000 |
| Yakima, WA | 5 | $ 360,000 | $ 72,000 | $ 57,000 |
| Albuquerque, NM | 4 | $ 464,000 | $ 116,000 | $ 71,000 |
| Athens-Clarke County, GA | 4 | $ 912,000 | $ 228,000 | $ 70,000 |
| Billings, MT | 4 | $ 146,000 | $ 36,500 | $ 154,000 |
| Cumberland, MD-WV | 4 | $ 227,000 | $ 56,750 | $ 24,000 |
| Decatur, IL | 4 | $ 81,000 | $ 20,250 | $ 47,000 |
| El Paso, TX | 4 | $ 499,000 | $ 124,750 | $ 50,000 |
| Elizabethtown, KY | 4 | $ 292,000 | $ 73,000 | $ 56,000 |
| Fargo, ND-MN | 4 | $ 269,000 | $ 67,250 | $ 86,000 |
| Fort Smith, AR-OK | 4 | $ 223,000 | $ 55,750 | $ 51,000 |
| Glens Falls, NY | 4 | $ 288,000 | $ 72,000 | $ 66,000 |
| Hot Springs, AR | 4 | $ 128,000 | $ 32,000 | $ 56,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 304,000 | $ 76,000 | $ 46,000 |
| Jonesboro, AR | 4 | $ 312,000 | $ 78,000 | $ 91,000 |
| Lafayette, LA | 4 | $ 183,000 | $ 45,750 | $ 60,000 |
| Lawrence, KS | 4 | $ 356,000 | $ 89,000 | $ 39,000 |
| Longview, TX | 4 | $ 379,000 | $ 94,750 | $ 61,000 |
| Longview, WA | 4 | $ 261,000 | $ 65,250 | $ 60,000 |
| Morristown, TN | 4 | $ 383,000 | $ 95,750 | $ 38,000 |
| Pueblo, CO | 4 | $ 457,000 | $ 114,250 | $ 105,000 |
| Rocky Mount, NC | 4 | $ 172,000 | $ 43,000 | $ 89,000 |
| Sandusky, OH | 4 | $ 143,000 | $ 35,750 | $ 188,000 |
| Tuscaloosa, AL | 4 | $ 542,000 | $ 135,500 | $ 52,000 |
| Utica-Rome, NY | 4 | $ 164,000 | $ 41,000 | $ 72,000 |
| Abilene, TX | 3 | $ 478,000 | $ 159,333 | $ 89,000 |
| Bloomington, IN | 3 | $ 119,000 | $ 39,666 | $ 60,000 |
| Bloomington-Normal, IL | 3 | $ 74,000 | $ 24,666 | $ 81,000 |
| Cheyenne, WY | 3 | $ 167,000 | $ 55,666 | $ 71,000 |
| Cleveland, TN | 3 | $ 295,000 | $ 98,333 | $ 46,000 |
| Coeur D'Alene, ID | 3 | $ 220,000 | $ 73,333 | $ 95,000 |
| Corvallis, OR | 3 | $ 223,000 | $ 74,333 | $ 104,000 |
| Danville, IL | 3 | $ 88,000 | $ 29,333 | $ 79,000 |
| Danville, VA | 3 | $ 167,000 | $ 55,666 | $ 50,000 |
| El Centro, CA | 3 | $ 350,000 | $ 116,666 | $ 63,000 |
| Goldsboro, NC | 3 | $ 495,000 | $ 165,000 | $ 71,000 |
| Harrisonburg, VA | 3 | $ 212,000 | $ 70,666 | $ 1,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 291,000 | $ 97,000 | $ 49,000 |
| Kokomo, IN | 3 | $ 116,000 | $ 38,666 | $ 43,000 |
| Lake Charles, LA | 3 | $ 257,000 | $ 85,666 | $ 50,000 |
| Las Cruces, NM | 3 | $ 431,000 | $ 143,666 | $ 59,000 |
| Lynchburg, VA | 3 | $ 155,000 | $ 51,666 | $ 26,000 |
| Missoula, MT | 3 | $ 73,000 | $ 24,333 | $ 76,000 |
| Monroe, LA | 3 | $ 238,000 | $ 79,333 | $ 36,000 |
| Morgantown, WV | 3 | $ 261,000 | $ 87,000 | $ 30,000 |
| Owensboro, KY | 3 | $ 154,000 | $ 51,333 | $ 58,000 |
| Pittsfield, MA | 3 | $ 105,000 | $ 35,000 | $ 154,000 |
| Pocatello, ID | 3 | $ 152,000 | $ 50,666 | $ 87,000 |
| Sioux Falls, SD | 3 | $ 292,000 | $ 97,333 | $ 38,000 |
| Alexandria, LA | 2 | $ 124,000 | $ 62,000 | $ 47,000 |
| Bismarck, ND | 2 | $ 42,000 | $ 21,000 | $ 96,000 |
| Bowling Green, KY | 2 | $ 136,000 | $ 68,000 | $ 48,000 |
| Brownsville-Harlingen, TX | 2 | $ 217,000 | $ 108,500 | $ 55,000 |
| Burlington, NC | 2 | $ 165,000 | $ 82,500 | $ 30,000 |
| Carson City, NV | 2 | $ 51,000 | $ 25,500 | $ 43,000 |
| Casper, WY | 2 | $ 134,000 | $ 67,000 | $ 88,000 |
| College Station-Bryan, TX | 2 | $ 165,000 | $ 82,500 | $ 107,000 |
| Columbia, MO | 2 | $ 60,000 | $ 30,000 | $ 47,000 |
| Columbus, GA-AL | 2 | $ 172,000 | $ 86,000 | $ 30,000 |
| Dothan, AL | 2 | $ 217,000 | $ 108,500 | $ 52,000 |
| Farmington, NM | 2 | $ 379,000 | $ 189,500 | $ 65,000 |
| Johnstown, PA | 2 | $ 28,000 | $ 14,000 | $ 49,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 190,000 | $ 95,000 | $ 29,000 |
| La Crosse, WI-MN | 2 | $ 179,000 | $ 89,500 | $ 56,000 |
| Lawton, OK | 2 | $ 65,000 | $ 32,500 | $ 42,000 |
| Lubbock, TX | 2 | $ 102,000 | $ 51,000 | $ 77,000 |
| Michigan City-La Porte, IN | 2 | $ 138,000 | $ 69,000 | $ 83,000 |
| Odessa, TX | 2 | $ 117,000 | $ 58,500 | $ 58,000 |
| Parkersburg-Marietta, WV-OH | 2 | $ 185,000 | $ 92,500 | $ 43,000 |
| Pine Bluff, AR | 2 | $ 196,000 | $ 98,000 | $ 49,000 |
| Prescott, AZ | 2 | $ 45,000 | $ 22,500 | $ 46,000 |
| Rapid City, SD | 2 | $ 77,000 | $ 38,500 | $ 115,000 |
| Rome, GA | 2 | $ 353,000 | $ 176,500 | $ 59,000 |
| San Angelo, TX | 2 | $ 288,000 | $ 144,000 | $ 88,000 |
| Sherman-Denison, TX | 2 | $ 247,000 | $ 123,500 | $ 65,000 |
| St. George, UT | 2 | $ 70,000 | $ 35,000 | $ 39,000 |
| Terre Haute, IN | 2 | $ 188,000 | $ 94,000 | $ 48,000 |
| Tyler, TX | 2 | $ 170,000 | $ 85,000 | $ 54,000 |
| Clarksville, TN-KY | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Columbus, IN | 1 | $ 121,000 | $ 121,000 | $ 29,000 |
| Dubuque, IA | 1 | $ 54,000 | $ 54,000 | $ 22,000 |
| Eau Claire, WI | 1 | $ 116,000 | $ 116,000 | $ 54,000 |
| Great Falls, MT | 1 | $ 25,000 | $ 25,000 | $ 100,000 |
| Greenville, NC | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Iowa City, IA | 1 | $ 315,000 | $ 315,000 | $ 204,000 |
| Ithaca, NY | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Jackson, MS | 1 | $ 69,000 | $ 69,000 | $ 43,000 |
| Jefferson City, MO | 1 | $ 31,000 | $ 31,000 | $ 64,000 |
| Johnson City, TN | 1 | $ 347,000 | $ 347,000 | $ 101,000 |
| Lafayette, IN | 1 | $ 76,000 | $ 76,000 | $ 44,000 |
| Lima, OH | 1 | $ 36,000 | $ 36,000 | $ 173,000 |
| Logan, UT-ID | 1 | $ 129,000 | $ 129,000 | $ 60,000 |
| Shreveport-Bossier City, LA | 1 | $ 106,000 | $ 106,000 | $ 49,000 |
| Sumter, SC | 1 | $ 172,000 | $ 172,000 | $ 55,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 75,000 | $ 75,000 | $ 108,000 |
| Victoria, TX | 1 | $ 58,000 | $ 58,000 | $ 44,000 |
| Wausau, WI | 1 | $ 87,000 | $ 87,000 | $ 46,000 |
| Wenatchee, WA | 1 | $ 15,000 | $ 15,000 | $ 82,000 |
| Wichita Falls, TX | 1 | $ 92,000 | $ 92,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Provident Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 8,212 | $1,090,475,000 | $116,062 | $1,000,000 | $62,041 | $2,280,000 |
| Home Improvement | 6,709 | $364,352,000 | $57,638 | $675,000 | $75,680 | $4,700,000 |
| Home Purchase | 2,695 | $341,910,000 | $114,086 | $1,000,000 | $70,021 | $1,267,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 10,577 | $1,009,503,000 | $88,367 | $908,000 | $70,816 | $4,700,000 |
| Not Provided | 3,242 | $304,190,000 | $81,812 | $712,000 | $72,041 | $2,088,000 |
| Black or African American | 2,157 | $250,956,000 | $112,833 | $1,000,000 | $60,250 | $1,024,000 |
| Hispanic | 1,042 | $149,626,000 | $102,552 | $980,000 | $68,684 | $1,812,000 |
| Asian | 358 | $51,060,000 | $114,935 | $1,000,000 | $79,806 | $1,038,000 |
| Native Hawaiian or Other Pacific Islander | 138 | $19,895,000 | $109,296 | $650,000 | $58,962 | $320,000 |
| American Indian or Alaskan Native | 88 | $8,959,000 | $81,035 | $950,000 | $72,714 | $288,000 |
| Not applicable | 14 | $2,548,000 | $186,727 | $526,000 | $127,909 | $420,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 17,595 | $1,794,486,000 | $88,020 | $1,000,000 | $70,061 | $4,700,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,274,000 | $84,666 | $312,000 | $50,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 9 | $977,000 | $108,000 | $171,000 | $45,000 | $81,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 5,252 | $420,580,000 | $72,382 | $1,000,000 | $66,702 | $2,088,000 |
| Loan Originated | 4,976 | $687,343,000 | $133,511 | $875,000 | $64,155 | $884,000 |
| Application Denied By Financial Institution | 4,029 | $380,391,000 | $89,812 | $908,000 | $73,583 | $4,700,000 |
| Preapproval Denied by Financial Institution | 1,291 | $171,445,000 | $132,000 | $1,000,000 | $68,000 | $710,000 |
| Application Withdrawn By Applicant | 1,270 | $66,471,000 | $78,111 | $525,000 | $89,259 | $3,551,000 |
| File Closed For Incompleteness | 698 | $53,994,000 | $83,187 | $495,000 | $75,750 | $1,200,000 |
| Loan Purchased By The Institution | 100 | $16,513,000 | $147,187 | $544,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other | 2,556 | $308,099,000 | $103,086 | $1,000,000 | $74,391 | $2,280,000 |
| Credit History | 1,444 | $98,319,000 | $66,638 | $908,000 | $83,787 | $3,852,000 |
| Collateral | 563 | $74,309,000 | $125,191 | $803,000 | $75,255 | $1,267,000 |
| Debt-To-Income Ratio | 558 | $52,358,000 | $88,534 | $775,000 | $48,883 | $521,000 |
| Employment History | 82 | $7,054,000 | $81,760 | $519,000 | $59,240 | $175,000 |
| Unverifiable Information | 57 | $6,716,000 | $136,571 | $690,000 | $90,047 | $1,300,000 |
| Credit Application Incomplete | 29 | $2,183,000 | $76,153 | $188,000 | $403,461 | $4,700,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $2,124,000 | $126,000 | $321,000 | $58,333 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Provident Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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