Provident Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Provident Bank 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 16,375 |
| Total Mortgage Loan Application Amount | $3,104,098,000 |
| Average Mortgage Loan Application Amount | $1,291,500 |
| Highest Mortgage Loan Application Amount | $38,400,000 |
| Average Applicant Income | $50,586 |
| Highest Applicant Income | $4,128,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Provident Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Provident Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Provident Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Provident Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Provident Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Provident Bank's mortgage activity for 2003.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| CINCINNATI, OH-KY-IN | 1,321 | $ 115,975,000 | $ 87,000 | $ 80,000 |
| CHICAGO, IL | 673 | $ 103,262,000 | $ 153,000 | $ 76,000 |
| PHILADELPHIA, PA-NJ | 489 | $ 38,561,000 | $ 78,000 | $ 72,000 |
| LOS ANGELES-LONG BEACH, CA | 435 | $ 141,747,000 | $ 325,000 | $ 80,000 |
| ATLANTA, GA | 368 | $ 86,375,000 | $ 234,000 | $ 64,000 |
| DETROIT, MI | 365 | $ 49,206,000 | $ 134,000 | $ 56,000 |
| BOSTON, MA-NH | 277 | $ 52,534,000 | $ 189,000 | $ 86,000 |
| RIVERSIDE-SAN BERNARDINO, CA | 276 | $ 44,208,000 | $ 160,000 | $ 74,000 |
| DAYTON-SPRINGFIELD, OH | 209 | $ 23,306,000 | $ 111,000 | $ 47,000 |
| PITTSBURGH, PA | 205 | $ 26,619,000 | $ 129,000 | $ 56,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 200 | $ 34,689,000 | $ 173,000 | $ 58,000 |
| SARASOTA-BRADENTON, FL | 199 | $ 32,357,000 | $ 162,000 | $ 77,000 |
| BALTIMORE, MD | 193 | $ 30,452,000 | $ 157,000 | $ 70,000 |
| MINNEAPOLIS-ST. PAUL, MN-WI | 193 | $ 29,661,000 | $ 153,000 | $ 70,000 |
| SAN DIEGO, CA | 168 | $ 65,372,000 | $ 389,000 | $ 93,000 |
| ORANGE COUNTY, CA | 166 | $ 57,682,000 | $ 347,000 | $ 96,000 |
| NEW YORK, NY | 158 | $ 36,798,000 | $ 232,000 | $ 78,000 |
| NASSAU-SUFFOLK, NY | 157 | $ 32,824,000 | $ 209,000 | $ 100,000 |
| CLEVELAND-LORAIN-ELYRIA, OH | 150 | $ 13,494,000 | $ 89,000 | $ 65,000 |
| HAMILTON-MIDDLETOWN, OH | 144 | $ 29,041,000 | $ 201,000 | $ 65,000 |
| SACRAMENTO, CA | 132 | $ 49,235,000 | $ 372,000 | $ 70,000 |
| MILWAUKEE-WAUKESHA, WI | 129 | $ 19,926,000 | $ 154,000 | $ 51,000 |
| ORLANDO, FL | 119 | $ 9,678,000 | $ 81,000 | $ 55,000 |
| FORT LAUDERDALE, FL | 118 | $ 17,384,000 | $ 147,000 | $ 68,000 |
| NEWARK, NJ | 117 | $ 22,480,000 | $ 192,000 | $ 85,000 |
| OAKLAND, CA | 117 | $ 42,855,000 | $ 366,000 | $ 79,000 |
| JACKSONVILLE, FL | 107 | $ 46,101,000 | $ 430,000 | $ 66,000 |
| DENVER, CO | 105 | $ 68,921,000 | $ 656,000 | $ 69,000 |
| MONMOUTH-OCEAN, NJ | 105 | $ 30,544,000 | $ 290,000 | $ 71,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 102 | $ 49,133,000 | $ 481,000 | $ 77,000 |
| COLUMBUS, OH | 101 | $ 76,462,000 | $ 757,000 | $ 69,000 |
| HOUSTON, TX | 99 | $ 25,990,000 | $ 262,000 | $ 69,000 |
| PHOENIX-MESA, AZ | 96 | $ 29,784,000 | $ 310,000 | $ 90,000 |
| MEMPHIS, TN-AR-MS | 93 | $ 9,606,000 | $ 103,000 | $ 52,000 |
| MIDDLESEX-SOMERSET-HUNTERDON, NJ | 93 | $ 19,355,000 | $ 208,000 | $ 100,000 |
| DALLAS, TX | 92 | $ 23,736,000 | $ 258,000 | $ 57,000 |
| WEST PALM BEACH-BOCA RATON, FL | 88 | $ 7,338,000 | $ 83,000 | $ 60,000 |
| GRAND RAPIDS-MUSKEGON-HOLLAND, MI | 86 | $ 10,342,000 | $ 120,000 | $ 55,000 |
| BIRMINGHAM, AL | 80 | $ 7,864,000 | $ 98,000 | $ 56,000 |
| KANSAS CITY, MO-KS | 79 | $ 7,884,000 | $ 99,000 | $ 57,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA | 76 | $ 5,033,000 | $ 66,000 | $ 55,000 |
| FORT MYERS-CAPE CORAL, FL | 75 | $ 9,386,000 | $ 125,000 | $ 51,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 73 | $ 29,092,000 | $ 398,000 | $ 56,000 |
| INDIANAPOLIS, IN | 73 | $ 16,640,000 | $ 227,000 | $ 49,000 |
| LANSING-EAST LANSING, MI | 73 | $ 7,826,000 | $ 107,000 | $ 50,000 |
| HARTFORD, CT | 72 | $ 6,102,000 | $ 84,000 | $ 71,000 |
| SAN JOSE, CA | 69 | $ 24,685,000 | $ 357,000 | $ 112,000 |
| ST. LOUIS, MO-IL | 69 | $ 20,569,000 | $ 298,000 | $ 58,000 |
| VENTURA, CA | 62 | $ 20,774,000 | $ 335,000 | $ 105,000 |
| HARRISBURG-LEBANON-CARLISLE, PA | 61 | $ 3,396,000 | $ 55,000 | $ 61,000 |
| BERGEN-PASSAIC, NJ | 58 | $ 11,501,000 | $ 198,000 | $ 81,000 |
| GREENVILLE-SPARTANBURG-ANDERSON, SC | 55 | $ 5,438,000 | $ 98,000 | $ 51,000 |
| NASHVILLE, TN | 55 | $ 5,989,000 | $ 108,000 | $ 50,000 |
| PORTLAND-VANCOUVER, OR-WA | 54 | $ 6,979,000 | $ 129,000 | $ 70,000 |
| FRESNO, CA | 53 | $ 19,188,000 | $ 362,000 | $ 69,000 |
| NORFOLK-VIRGINIA BEACH-NEWPORT NEWS, VA-NC | 53 | $ 16,344,000 | $ 308,000 | $ 49,000 |
| LITTLE ROCK-NORTH LITTLE ROCK, AR | 51 | $ 4,034,000 | $ 79,000 | $ 62,000 |
| RALEIGH-DURHAM-CHAPEL HILL, NC | 50 | $ 6,655,000 | $ 133,000 | $ 82,000 |
| SAN FRANCISCO, CA | 50 | $ 8,575,000 | $ 171,000 | $ 109,000 |
| OKLAHOMA CITY, OK | 49 | $ 4,717,000 | $ 96,000 | $ 59,000 |
| MELBOURNE-TITUSVILLE-PALM BAY, FL | 48 | $ 4,653,000 | $ 96,000 | $ 76,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 48 | $ 2,401,000 | $ 50,000 | $ 49,000 |
| WORCESTER, MA-CT | 47 | $ 19,157,000 | $ 407,000 | $ 98,000 |
| VALLEJO-FAIRFIELD-NAPA, CA | 45 | $ 18,075,000 | $ 401,000 | $ 87,000 |
| YOUNGSTOWN-WARREN, OH | 45 | $ 6,737,000 | $ 149,000 | $ 46,000 |
| FORT WORTH-ARLINGTON, TX | 44 | $ 48,691,000 | $ 1,106,000 | $ 69,000 |
| AKRON, OH | 43 | $ 4,389,000 | $ 102,000 | $ 74,000 |
| PROVIDENCE-FALL RIVER-WARWICK, RI-MA | 43 | $ 7,173,000 | $ 166,000 | $ 57,000 |
| MIAMI, FL | 42 | $ 2,179,000 | $ 51,000 | $ 64,000 |
| SPRINGFIELD, MA | 42 | $ 3,067,000 | $ 73,000 | $ 57,000 |
| YORK, PA | 42 | $ 3,013,000 | $ 71,000 | $ 56,000 |
| AUSTIN-SAN MARCOS, TX | 41 | $ 46,670,000 | $ 1,138,000 | $ 60,000 |
| RICHMOND-PETERSBURG, VA | 41 | $ 4,692,000 | $ 114,000 | $ 61,000 |
| GREENSBORO--WINSTON-SALEM--HIGH POINT, NC | 40 | $ 4,093,000 | $ 102,000 | $ 53,000 |
| NEW ORLEANS, LA | 40 | $ 5,271,000 | $ 131,000 | $ 65,000 |
| SAN ANTONIO, TX | 40 | $ 42,753,000 | $ 1,068,000 | $ 61,000 |
| ALBANY-SCHENECTADY-TROY, NY | 38 | $ 3,966,000 | $ 104,000 | $ 55,000 |
| DAYTONA BEACH, FL | 38 | $ 8,558,000 | $ 225,000 | $ 102,000 |
| LANCASTER, PA | 38 | $ 3,116,000 | $ 82,000 | $ 65,000 |
| MODESTO, CA | 38 | $ 4,940,000 | $ 130,000 | $ 73,000 |
| NEWBURGH, NY-PA | 38 | $ 6,306,000 | $ 165,000 | $ 70,000 |
| STOCKTON-LODI, CA | 38 | $ 4,886,000 | $ 128,000 | $ 87,000 |
| WILMINGTON-NEWARK, DE-MD | 38 | $ 5,585,000 | $ 146,000 | $ 72,000 |
| BUFFALO-NIAGARA FALLS, NY | 37 | $ 3,131,000 | $ 84,000 | $ 41,000 |
| TACOMA, WA | 37 | $ 11,810,000 | $ 319,000 | $ 182,000 |
| LAWRENCE, MA-NH | 36 | $ 4,067,000 | $ 112,000 | $ 81,000 |
| SOUTH BEND, IN | 36 | $ 4,999,000 | $ 138,000 | $ 51,000 |
| BAKERSFIELD, CA | 35 | $ 2,681,000 | $ 76,000 | $ 66,000 |
| BATON ROUGE, LA | 35 | $ 3,398,000 | $ 97,000 | $ 52,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 35 | $ 3,959,000 | $ 113,000 | $ 44,000 |
| KALAMAZOO-BATTLE CREEK, MI | 35 | $ 3,197,000 | $ 91,000 | $ 49,000 |
| LOWELL, MA-NH | 35 | $ 2,562,000 | $ 73,000 | $ 66,000 |
| READING, PA | 35 | $ 2,193,000 | $ 62,000 | $ 68,000 |
| LAS VEGAS, NV-AZ | 34 | $ 13,575,000 | $ 399,000 | $ 90,000 |
| BARNSTABLE-YARMOUTH, MA | 33 | $ 3,617,000 | $ 109,000 | $ 101,000 |
| FORT PIERCE-PORT ST. LUCIE, FL | 33 | $ 3,266,000 | $ 98,000 | $ 79,000 |
| MOBILE, AL | 33 | $ 3,040,000 | $ 92,000 | $ 53,000 |
| DUTCHESS COUNTY, NY | 32 | $ 6,511,000 | $ 203,000 | $ 81,000 |
| ERIE, PA | 32 | $ 1,494,000 | $ 46,000 | $ 42,000 |
| NAPLES, FL | 32 | $ 15,081,000 | $ 471,000 | $ 84,000 |
| BRIDGEPORT, CT | 31 | $ 4,323,000 | $ 139,000 | $ 74,000 |
| NEW HAVEN-MERIDEN, CT | 31 | $ 3,374,000 | $ 108,000 | $ 89,000 |
| PENSACOLA, FL | 30 | $ 1,727,000 | $ 57,000 | $ 58,000 |
| FORT WAYNE, IN | 29 | $ 4,896,000 | $ 168,000 | $ 52,000 |
| WICHITA, KS | 29 | $ 2,307,000 | $ 79,000 | $ 66,000 |
| ANN ARBOR, MI | 28 | $ 4,275,000 | $ 152,000 | $ 83,000 |
| ST. JOSEPH, MO | 28 | $ 1,758,000 | $ 62,000 | $ 42,000 |
| BROCKTON, MA | 27 | $ 2,880,000 | $ 106,000 | $ 91,000 |
| COLUMBIA, SC | 27 | $ 2,510,000 | $ 92,000 | $ 53,000 |
| FLINT, MI | 27 | $ 2,212,000 | $ 81,000 | $ 54,000 |
| TOLEDO, OH | 27 | $ 3,424,000 | $ 126,000 | $ 59,000 |
| MONTGOMERY, AL | 26 | $ 1,856,000 | $ 71,000 | $ 53,000 |
| SALT LAKE CITY-OGDEN, UT | 25 | $ 29,251,000 | $ 1,170,000 | $ 53,000 |
| OMAHA, NE-IA | 24 | $ 2,385,000 | $ 99,000 | $ 51,000 |
| ROCHESTER, NY | 24 | $ 2,409,000 | $ 100,000 | $ 54,000 |
| ROCKFORD, IL | 24 | $ 1,651,000 | $ 68,000 | $ 60,000 |
| LOUISVILLE, KY-IN | 23 | $ 2,229,000 | $ 96,000 | $ 43,000 |
| SANTA BARBARA-SANTA MARIA-LOMPOC, CA | 23 | $ 2,391,000 | $ 103,000 | $ 133,000 |
| LIMA, OH | 22 | $ 984,000 | $ 44,000 | $ 52,000 |
| NEW LONDON-NORWICH, CT-RI | 22 | $ 1,816,000 | $ 82,000 | $ 62,000 |
| SAGINAW-BAY CITY-MIDLAND, MI | 22 | $ 1,557,000 | $ 70,000 | $ 53,000 |
| SYRACUSE, NY | 22 | $ 1,928,000 | $ 87,000 | $ 50,000 |
| GARY, IN | 21 | $ 4,881,000 | $ 232,000 | $ 53,000 |
| ATLANTIC-CAPE MAY, NJ | 20 | $ 2,567,000 | $ 128,000 | $ 51,000 |
| CHATTANOOGA, TN-GA | 20 | $ 1,911,000 | $ 95,000 | $ 48,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 20 | $ 2,322,000 | $ 116,000 | $ 74,000 |
| TUCSON, AZ | 20 | $ 19,209,000 | $ 960,000 | $ 70,000 |
| JACKSON, TN | 19 | $ 1,938,000 | $ 102,000 | $ 45,000 |
| PORTSMOUTH-ROCHESTER, NH-ME | 19 | $ 2,533,000 | $ 133,000 | $ 46,000 |
| PUNTA GORDA, FL | 19 | $ 2,053,000 | $ 108,000 | $ 62,000 |
| SANTA ROSA, CA | 19 | $ 2,927,000 | $ 154,000 | $ 85,000 |
| JACKSON, MI | 18 | $ 1,747,000 | $ 97,000 | $ 41,000 |
| LAKELAND-WINTER HAVEN, FL | 18 | $ 1,634,000 | $ 90,000 | $ 60,000 |
| TRENTON, NJ | 18 | $ 2,672,000 | $ 148,000 | $ 62,000 |
| TULSA, OK | 18 | $ 1,393,000 | $ 77,000 | $ 50,000 |
| SPOKANE, WA | 17 | $ 15,611,000 | $ 918,000 | $ 47,000 |
| JANESVILLE-BELOIT, WI | 16 | $ 1,531,000 | $ 95,000 | $ 45,000 |
| MCALLEN-EDINBURG-MISSION, TX | 16 | $ 1,112,000 | $ 69,000 | $ 43,000 |
| SALINAS, CA | 16 | $ 2,864,000 | $ 179,000 | $ 81,000 |
| STAMFORD-NORWALK, CT | 16 | $ 3,505,000 | $ 219,000 | $ 110,000 |
| LAFAYETTE, LA | 15 | $ 1,174,000 | $ 78,000 | $ 52,000 |
| LEXINGTON, KY | 15 | $ 1,249,000 | $ 83,000 | $ 54,000 |
| NEW BEDFORD, MA | 15 | $ 8,947,000 | $ 596,000 | $ 72,000 |
| RACINE, WI | 15 | $ 1,913,000 | $ 127,000 | $ 45,000 |
| CANTON-MASSILLON, OH | 14 | $ 1,065,000 | $ 76,000 | $ 42,000 |
| KILLEEN-TEMPLE, TX | 14 | $ 1,269,000 | $ 90,000 | $ 92,000 |
| PEORIA-PEKIN, IL | 14 | $ 854,000 | $ 61,000 | $ 56,000 |
| SAN LUIS OBISPO-ATASCADERO-PASO ROBLES, CA | 14 | $ 1,719,000 | $ 122,000 | $ 68,000 |
| SHARON, PA | 14 | $ 7,872,000 | $ 562,000 | $ 52,000 |
| TALLAHASSEE, FL | 14 | $ 868,000 | $ 62,000 | $ 65,000 |
| ALTOONA, PA | 13 | $ 597,000 | $ 45,000 | $ 46,000 |
| BOISE CITY, ID | 13 | $ 1,787,000 | $ 137,000 | $ 67,000 |
| DES MOINES, IA | 13 | $ 1,030,000 | $ 79,000 | $ 38,000 |
| FITCHBURG-LEOMINSTER, MA | 13 | $ 1,619,000 | $ 124,000 | $ 60,000 |
| FORT WALTON BEACH, FL | 13 | $ 804,000 | $ 61,000 | $ 180,000 |
| JOHNSTOWN, PA | 13 | $ 614,000 | $ 47,000 | $ 110,000 |
| JOPLIN, MO | 13 | $ 778,000 | $ 59,000 | $ 33,000 |
| MANCHESTER, NH | 13 | $ 1,943,000 | $ 149,000 | $ 135,000 |
| OCALA, FL | 13 | $ 746,000 | $ 57,000 | $ 49,000 |
| SAVANNAH, GA | 13 | $ 24,751,000 | $ 1,903,000 | $ 43,000 |
| YOLO, CA | 13 | $ 1,286,000 | $ 98,000 | $ 73,000 |
| ALEXANDRIA, LA | 12 | $ 1,403,000 | $ 116,000 | $ 56,000 |
| BENTON HARBOR, MI | 12 | $ 883,000 | $ 73,000 | $ 35,000 |
| DANBURY, CT | 12 | $ 1,730,000 | $ 144,000 | $ 87,000 |
| KNOXVILLE, TN | 12 | $ 1,205,000 | $ 100,000 | $ 50,000 |
| REDDING, CA | 12 | $ 1,286,000 | $ 107,000 | $ 54,000 |
| SPRINGFIELD, MO | 12 | $ 992,000 | $ 82,000 | $ 45,000 |
| TOPEKA, KS | 12 | $ 916,000 | $ 76,000 | $ 55,000 |
| TYLER, TX | 12 | $ 11,637,000 | $ 969,000 | $ 51,000 |
| YUBA CITY, CA | 12 | $ 1,271,000 | $ 105,000 | $ 70,000 |
| CLARKSVILLE-HOPKINSVILLE, TN-KY | 11 | $ 1,201,000 | $ 109,000 | $ 44,000 |
| FLORENCE, SC | 11 | $ 892,000 | $ 81,000 | $ 48,000 |
| GALVESTON-TEXAS CITY, TX | 11 | $ 982,000 | $ 89,000 | $ 48,000 |
| MADISON, WI | 11 | $ 1,242,000 | $ 112,000 | $ 43,000 |
| MYRTLE BEACH, SC | 11 | $ 1,877,000 | $ 170,000 | $ 72,000 |
| RENO, NV | 11 | $ 5,934,000 | $ 539,000 | $ 67,000 |
| SPRINGFIELD, IL | 11 | $ 7,598,000 | $ 690,000 | $ 58,000 |
| UTICA-ROME, NY | 11 | $ 787,000 | $ 71,000 | $ 43,000 |
| WATERBURY, CT | 11 | $ 961,000 | $ 87,000 | $ 41,000 |
| BOULDER-LONGMONT, CO | 10 | $ 2,444,000 | $ 244,000 | $ 113,000 |
| COLORADO SPRINGS, CO | 10 | $ 17,079,000 | $ 1,707,000 | $ 49,000 |
| EL PASO, TX | 10 | $ 961,000 | $ 96,000 | $ 50,000 |
| GADSDEN, AL | 10 | $ 648,000 | $ 64,000 | $ 43,000 |
| GREELEY, CO | 10 | $ 1,746,000 | $ 174,000 | $ 56,000 |
| HUNTSVILLE, AL | 10 | $ 952,000 | $ 95,000 | $ 54,000 |
| JERSEY CITY, NJ | 10 | $ 1,926,000 | $ 192,000 | $ 63,000 |
| KENOSHA, WI | 10 | $ 1,454,000 | $ 145,000 | $ 56,000 |
| MACON, GA | 10 | $ 1,097,000 | $ 109,000 | $ 61,000 |
| SANTA CRUZ-WATSONVILLE, CA | 10 | $ 2,990,000 | $ 299,000 | $ 119,000 |
| SHREVEPORT-BOSSIER CITY, LA | 10 | $ 6,334,000 | $ 633,000 | $ 44,000 |
| BREMERTON, WA | 9 | $ 956,000 | $ 106,000 | $ 67,000 |
| CHAMPAIGN-URBANA, IL | 9 | $ 1,236,000 | $ 137,000 | $ 52,000 |
| CORPUS CHRISTI, TX | 9 | $ 917,000 | $ 101,000 | $ 52,000 |
| FAYETTEVILLE, NC | 9 | $ 1,055,000 | $ 117,000 | $ 99,000 |
| HUNTINGTON-ASHLAND, WV-KY-OH | 9 | $ 2,630,000 | $ 292,000 | $ 32,000 |
| ASHEVILLE, NC | 8 | $ 814,000 | $ 101,000 | $ 89,000 |
| BELLINGHAM, WA | 8 | $ 707,000 | $ 88,000 | $ 53,000 |
| BURLINGTON, VT | 8 | $ 615,000 | $ 76,000 | $ 74,000 |
| CHICO-PARADISE, CA | 8 | $ 626,000 | $ 78,000 | $ 74,000 |
| MERCED, CA | 8 | $ 1,060,000 | $ 132,000 | $ 60,000 |
| NASHUA, NH | 8 | $ 770,000 | $ 96,000 | $ 53,000 |
| STATE COLLEGE, PA | 8 | $ 366,000 | $ 45,000 | $ 60,000 |
| VISALIA-TULARE-PORTERVILLE, CA | 8 | $ 1,100,000 | $ 137,000 | $ 68,000 |
| WILLIAMSPORT, PA | 8 | $ 223,000 | $ 27,000 | $ 52,000 |
| ANNISTON, AL | 7 | $ 471,000 | $ 67,000 | $ 39,000 |
| APPLETON-OSHKOSH-NEENAH, WI | 7 | $ 746,000 | $ 106,000 | $ 61,000 |
| AUGUSTA-AIKEN, GA-SC | 7 | $ 644,000 | $ 92,000 | $ 66,000 |
| COLUMBUS, GA-AL | 7 | $ 633,000 | $ 90,000 | $ 56,000 |
| CUMBERLAND, MD-WV | 7 | $ 6,171,000 | $ 881,000 | $ 43,000 |
| DULUTH-SUPERIOR, MN-WI | 7 | $ 631,000 | $ 90,000 | $ 43,000 |
| EAU CLAIRE, WI | 7 | $ 663,000 | $ 94,000 | $ 48,000 |
| HICKORY-MORGANTON-LENOIR, NC | 7 | $ 3,162,000 | $ 451,000 | $ 44,000 |
| LAKE CHARLES, LA | 7 | $ 561,000 | $ 80,000 | $ 40,000 |
| LINCOLN, NE | 7 | $ 486,000 | $ 69,000 | $ 52,000 |
| MEDFORD-ASHLAND, OR | 7 | $ 742,000 | $ 106,000 | $ 79,000 |
| PANAMA CITY, FL | 7 | $ 375,000 | $ 53,000 | $ 44,000 |
| PORTLAND, ME | 7 | $ 856,000 | $ 122,000 | $ 55,000 |
| SHEBOYGAN, WI | 7 | $ 1,081,000 | $ 154,000 | $ 65,000 |
| ST. CLOUD, MN | 7 | $ 784,000 | $ 112,000 | $ 61,000 |
| BANGOR, ME | 6 | $ 473,000 | $ 78,000 | $ 70,000 |
| BROWNSVILLE-HARLINGEN-SAN BENITO, TX | 6 | $ 432,000 | $ 72,000 | $ 57,000 |
| CHARLESTON, WV | 6 | $ 639,000 | $ 106,000 | $ 59,000 |
| DECATUR, AL | 6 | $ 480,000 | $ 80,000 | $ 47,000 |
| DOVER, DE | 6 | $ 637,000 | $ 106,000 | $ 69,000 |
| FLORENCE, AL | 6 | $ 292,000 | $ 48,000 | $ 36,000 |
| FORT COLLINS-LOVELAND, CO | 6 | $ 1,078,000 | $ 179,000 | $ 75,000 |
| GAINESVILLE, FL | 6 | $ 370,000 | $ 61,000 | $ 70,000 |
| GREEN BAY, WI | 6 | $ 707,000 | $ 117,000 | $ 55,000 |
| HAGERSTOWN, MD | 6 | $ 680,000 | $ 113,000 | $ 49,000 |
| JACKSONVILLE, NC | 6 | $ 604,000 | $ 100,000 | $ 70,000 |
| JOHNSON CITY-KINGSPORT-BRISTOL, TN-VA | 6 | $ 606,000 | $ 101,000 | $ 53,000 |
| KANKAKEE, IL | 6 | $ 614,000 | $ 102,000 | $ 74,000 |
| LAS CRUCES, NM | 6 | $ 4,387,000 | $ 731,000 | $ 58,000 |
| LONGVIEW-MARSHALL, TX | 6 | $ 465,000 | $ 77,000 | $ 51,000 |
| LUBBOCK, TX | 6 | $ 855,000 | $ 142,000 | $ 78,000 |
| PROVO-OREM, UT | 6 | $ 855,000 | $ 142,000 | $ 84,000 |
| SIOUX CITY, IA-NE | 6 | $ 397,000 | $ 66,000 | $ 35,000 |
| VINELAND-MILLVILLE-BRIDGETON, NJ | 6 | $ 622,000 | $ 103,000 | $ 69,000 |
| BEAUMONT-PORT ARTHUR, TX | 5 | $ 407,000 | $ 81,000 | $ 71,000 |
| BLOOMINGTON-NORMAL, IL | 5 | $ 343,000 | $ 68,000 | $ 48,000 |
| DECATUR, IL | 5 | $ 170,000 | $ 34,000 | $ 50,000 |
| DOTHAN, AL | 5 | $ 884,000 | $ 176,000 | $ 86,000 |
| EUGENE-SPRINGFIELD, OR | 5 | $ 8,384,000 | $ 1,676,000 | $ 38,000 |
| FORT SMITH, AR-OK | 5 | $ 460,000 | $ 92,000 | $ 68,000 |
| GREENVILLE, NC | 5 | $ 483,000 | $ 96,000 | $ 70,000 |
| LAREDO, TX | 5 | $ 317,000 | $ 63,000 | $ 44,000 |
| MANSFIELD, OH | 5 | $ 250,000 | $ 50,000 | $ 36,000 |
| MUNCIE, IN | 5 | $ 9,414,000 | $ 1,882,000 | $ 26,000 |
| OLYMPIA, WA | 5 | $ 791,000 | $ 158,000 | $ 76,000 |
| ROANOKE, VA | 5 | $ 547,000 | $ 109,000 | $ 68,000 |
| ROCKY MOUNT, NC | 5 | $ 487,000 | $ 97,000 | $ 51,000 |
| SALEM, OR | 5 | $ 619,000 | $ 123,000 | $ 45,000 |
| WACO, TX | 5 | $ 415,000 | $ 83,000 | $ 44,000 |
| WILMINGTON, NC | 5 | $ 585,000 | $ 117,000 | $ 79,000 |
| ALBANY, GA | 4 | $ 208,000 | $ 52,000 | $ 56,000 |
| ALBUQUERQUE, NM | 4 | $ 609,000 | $ 152,000 | $ 143,000 |
| ATHENS, GA | 4 | $ 412,000 | $ 103,000 | $ 45,000 |
| BRAZORIA, TX | 4 | $ 370,000 | $ 92,000 | $ 90,000 |
| CORVALLIS, OR | 4 | $ 578,000 | $ 144,000 | $ 103,000 |
| ELKHART-GOSHEN, IN | 4 | $ 388,000 | $ 97,000 | $ 53,000 |
| GLENS FALLS, NY | 4 | $ 252,000 | $ 63,000 | $ 32,000 |
| HOUMA, LA | 4 | $ 312,000 | $ 78,000 | $ 51,000 |
| KOKOMO, IN | 4 | $ 301,000 | $ 75,000 | $ 67,000 |
| LAFAYETTE, IN | 4 | $ 439,000 | $ 109,000 | $ 56,000 |
| PINE BLUFF, AR | 4 | $ 196,000 | $ 49,000 | $ 49,000 |
| PITTSFIELD, MA | 4 | $ 172,000 | $ 43,000 | $ 73,000 |
| SUMTER, SC | 4 | $ 351,000 | $ 87,000 | $ 63,000 |
| TUSCALOOSA, AL | 4 | $ 5,024,000 | $ 1,256,000 | $ 30,000 |
| WASHINGTON, DC-MD-VA-WV | 4 | $ 16,686,000 | $ 4,171,000 | $ 6,000 |
| YAKIMA, WA | 4 | $ 252,000 | $ 63,000 | $ 60,000 |
| ANCHORAGE, AK | 3 | $ 14,032,000 | $ 4,677,000 | $ 0 |
| AUBURN-OPELIKA, AL | 3 | $ 378,000 | $ 126,000 | $ 59,000 |
| BILLINGS, MT | 3 | $ 345,000 | $ 115,000 | $ 55,000 |
| CHARLOTTESVILLE, VA | 3 | $ 1,562,000 | $ 520,000 | $ 154,000 |
| CHEYENNE, WY | 3 | $ 230,000 | $ 76,000 | $ 66,000 |
| GOLDSBORO, NC | 3 | $ 193,000 | $ 64,000 | $ 33,000 |
| LYNCHBURG, VA | 3 | $ 386,000 | $ 128,000 | $ 53,000 |
| PUEBLO, CO | 3 | $ 358,000 | $ 119,000 | $ 36,000 |
| RICHLAND-KENNEWICK-PASCO, WA | 3 | $ 187,000 | $ 62,000 | $ 506,000 |
| SAN ANGELO, TX | 3 | $ 146,000 | $ 48,000 | $ 22,000 |
| SHERMAN-DENISON, TX | 3 | $ 590,000 | $ 196,000 | $ 87,000 |
| WATERLOO-CEDAR FALLS, IA | 3 | $ 130,000 | $ 43,000 | $ 39,000 |
| WAUSAU, WI | 3 | $ 259,000 | $ 86,000 | $ 29,000 |
| WHEELING, WV-OH | 3 | $ 127,000 | $ 42,000 | $ 27,000 |
| ABILENE, TX | 2 | $ 74,000 | $ 37,000 | $ 68,000 |
| AMARILLO, TX | 2 | $ 122,000 | $ 61,000 | $ 42,000 |
| BINGHAMTON, NY | 2 | $ 109,000 | $ 54,000 | $ 44,000 |
| BRYAN-COLLEGE STATION, TX | 2 | $ 95,000 | $ 47,000 | $ 43,000 |
| CEDAR RAPIDS, IA | 2 | $ 183,000 | $ 91,000 | $ 56,000 |
| COLUMBIA, MO | 2 | $ 130,000 | $ 65,000 | $ 85,000 |
| DANVILLE, VA | 2 | $ 169,000 | $ 84,000 | $ 70,000 |
| ELMIRA, NY | 2 | $ 143,000 | $ 71,000 | $ 32,000 |
| FARGO-MOORHEAD, ND-MN | 2 | $ 164,000 | $ 82,000 | $ 47,000 |
| IOWA CITY, IA | 2 | $ 244,000 | $ 122,000 | $ 82,000 |
| JACKSON, MS | 2 | $ 66,000 | $ 33,000 | $ 30,000 |
| JAMESTOWN, NY | 2 | $ 98,000 | $ 49,000 | $ 36,000 |
| JONESBORO, AR | 2 | $ 321,000 | $ 160,000 | $ 96,000 |
| LA CROSSE, WI-MN | 2 | $ 163,000 | $ 81,000 | $ 50,000 |
| MISSOULA, MT | 2 | $ 55,000 | $ 27,000 | $ 64,000 |
| PARKERSBURG-MARIETTA, WV-OH | 2 | $ 157,000 | $ 78,000 | $ 59,000 |
| STEUBENVILLE-WEIRTON, OH-WV | 2 | $ 95,000 | $ 47,000 | $ 53,000 |
| TEXARKANA, TX-AR | 2 | $ 160,000 | $ 80,000 | $ 35,000 |
| WICHITA FALLS, TX | 2 | $ 92,000 | $ 46,000 | $ 51,000 |
| YUMA, AZ | 2 | $ 355,000 | $ 177,000 | $ 107,000 |
| BILOXI-GULFPORT-PASCAGOULA, MS | 1 | $ 56,000 | $ 56,000 | $ 29,000 |
| BISMARCK, ND | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| EVANSVILLE-HENDERSON, IN-KY | 1 | $ 130,000 | $ 130,000 | $ 61,000 |
| FLAGSTAFF, AZ-UT | 1 | $ 30,000 | $ 30,000 | $ 108,000 |
| LAWRENCE, KS | 1 | $ 152,000 | $ 152,000 | $ 37,000 |
| LAWTON, OK | 1 | $ 84,000 | $ 84,000 | $ 34,000 |
| LEWISTON-AUBURN, ME | 1 | $ 49,000 | $ 49,000 | $ 29,000 |
| MONROE, LA | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| ODESSA-MIDLAND, TX | 1 | $ 90,000 | $ 90,000 | $ 200,000 |
| POCATELLO, ID | 1 | $ 21,000 | $ 21,000 | $ 36,000 |
| RAPID CITY, SD | 1 | $ 73,000 | $ 73,000 | $ 51,000 |
| ROCHESTER, MN | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| SANTA FE, NM | 1 | $ 173,000 | $ 173,000 | $ 69,000 |
| TERRE HAUTE, IN | 1 | $ 46,000 | $ 46,000 | $ 0 |
| VICTORIA, TX | 1 | $ 122,000 | $ 122,000 | $ 137,000 |
Mortgage Loan Application Detail Totals for Provident Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 8,075 | $1,102,319,000 | $130,260 | $1,601,000 | $62,520 | $2,332,000 |
| Home Improvement (one-to-four family) | 6,843 | $539,092,000 | $89,693 | $720,000 | $60,000 | $4,128,000 |
| Home Purchase (one-to-four family) | 1,266 | $157,192,000 | $118,418 | $950,000 | $63,627 | $2,043,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 191 | $1,305,495,000 | $6,522,531 | $38,400,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Information not provided by applicant in mail or telephone application | 7,287 | $669,983,000 | $93,120 | $1,601,000 | $59,860 | $4,128,000 |
| White | 6,063 | $787,574,000 | $131,897 | $1,307,000 | $65,673 | $3,328,000 |
| Black | 1,586 | $162,977,000 | $112,459 | $750,000 | $54,891 | $390,000 |
| Hispanic | 516 | $76,515,000 | $125,657 | $613,000 | $57,026 | $2,400,000 |
| Not applicable | 483 | $1,354,266,000 | $4,022,307 | $38,400,000 | $16,641 | $273,000 |
| Other | 175 | $17,067,000 | $131,814 | $661,000 | $77,037 | $392,000 |
| Asian or Pacific Islander | 151 | $29,240,000 | $152,555 | $604,000 | $65,740 | $210,000 |
| American Indian or Alaskan Native | 114 | $6,476,000 | $82,300 | $428,000 | $44,950 | $290,000 |
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) | 16,271 | $2,711,516,000 | $344,823 | $38,400,000 | $59,117 | $4,128,000 |
| FHA-insured (Federal Housing Administration) | 97 | $391,973,000 | $5,348,142 | $25,063,000 | $3,285 | $69,000 |
| VA-guaranteed (Veterans Administration) | 7 | $609,000 | $89,000 | $98,000 | $33,000 | $52,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 7,302 | $2,220,294,000 | $568,411 | $38,400,000 | $56,470 | $2,043,000 |
| Application Denied By Financial Institution | 3,676 | $367,167,000 | $103,200 | $5,340,000 | $61,880 | $2,400,000 |
| Application Approved But Not Accepted | 3,586 | $349,718,000 | $107,062 | $1,601,000 | $63,166 | $3,600,000 |
| File Closed For Incompleteness | 1,290 | $83,211,000 | $64,312 | $500,000 | $84,093 | $4,128,000 |
| Loan Purchased By The Institution | 344 | $55,879,000 | $135,960 | $658,000 | $44,440 | $700,000 |
| Application Withdrawn By Applicant | 177 | $27,829,000 | $162,535 | $5,048,000 | $77,750 | $1,800,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 1,287 | $77,746,000 | $78,931 | $640,000 | $54,227 | $1,243,000 |
| Collateral | 847 | $95,904,000 | $117,755 | $825,000 | $69,081 | $780,000 |
| Other | 659 | $81,055,000 | $125,837 | $679,000 | $62,069 | $364,000 |
| Debt-To-Income Ratio | 541 | $65,448,000 | $117,533 | $600,000 | $53,466 | $738,000 |
| Credit Application Incomplete | 204 | $24,743,000 | $124,125 | $563,000 | $137,937 | $2,400,000 |
| Employment History | 50 | $6,162,000 | $114,500 | $385,000 | $41,090 | $222,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $3,486,000 | $125,842 | $310,000 | $69,684 | $456,000 |
| Unverifiable Information | 26 | $2,976,000 | $111,800 | $402,000 | $72,000 | $227,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Bank's 2003 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.