Provident Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Provident Bank 2013 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 400 Rella Blvd Montebello, NY 10901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,010 |
| Total Mortgage Loan Application Amount | $376,556,000 |
| Average Mortgage Loan Application Amount | $314,000 |
| Highest Mortgage Loan Application Amount | $9,675,000 |
| Average Applicant Income | $201,666 |
| Highest Applicant Income | $8,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orange County New York | 285 | $ 55,004,000 | $ 192,000 | $ 173,000 |
| Rockland County New York | 250 | $ 55,034,000 | $ 220,000 | $ 144,000 |
| Kings County New York | 60 | $ 31,157,000 | $ 519,000 | $ 155,000 |
| New York County New York | 51 | $ 39,900,000 | $ 782,000 | $ 665,000 |
| Suffolk County New York | 44 | $ 28,219,000 | $ 641,000 | $ 358,000 |
| Ulster County New York | 40 | $ 5,322,000 | $ 133,000 | $ 125,000 |
| Sullivan County New York | 35 | $ 6,103,000 | $ 174,000 | $ 94,000 |
| Nassau County New York | 33 | $ 15,851,000 | $ 480,000 | $ 201,000 |
| Queens County New York | 30 | $ 10,761,000 | $ 358,000 | $ 113,000 |
| Fairfield County Connecticut | 28 | $ 31,018,000 | $ 1,107,000 | $ 329,000 |
| Westchester County New York | 25 | $ 22,747,000 | $ 909,000 | $ 172,000 |
| Bergen County New Jersey | 21 | $ 20,124,000 | $ 958,000 | $ 233,000 |
| Putnam County New York | 14 | $ 2,187,000 | $ 156,000 | $ 90,000 |
| Monmouth County New Jersey | 9 | $ 7,106,000 | $ 789,000 | $ 249,000 |
| Morris County New Jersey | 5 | $ 1,504,000 | $ 300,000 | $ 142,000 |
| Dutchess County New York | 5 | $ 1,721,000 | $ 344,000 | $ 134,000 |
| New Haven County Connecticut | 4 | $ 747,000 | $ 186,000 | $ 80,000 |
| Essex County New Jersey | 4 | $ 3,560,000 | $ 890,000 | $ 28,000 |
| Hudson County New Jersey | 4 | $ 2,118,000 | $ 529,000 | $ 148,000 |
| Bronx County New York | 4 | $ 11,119,000 | $ 2,779,000 | $ 0 |
| Richmond County New York | 4 | $ 1,858,000 | $ 464,000 | $ 157,000 |
| Los Angeles County California | 3 | $ 3,675,000 | $ 1,225,000 | $ 1,023,000 |
| Middlesex County Connecticut | 3 | $ 625,000 | $ 208,000 | $ 113,000 |
| Miami-Dade County Florida | 3 | $ 1,787,000 | $ 595,000 | $ 474,000 |
| Palm Beach County Florida | 3 | $ 1,325,000 | $ 441,000 | $ 606,000 |
| Delaware County New York | 3 | $ 520,000 | $ 173,000 | $ 161,000 |
| Middlesex County New Jersey | 2 | $ 252,000 | $ 126,000 | $ 70,000 |
| Passaic County New Jersey | 2 | $ 1,010,000 | $ 505,000 | $ 74,000 |
| Union County New Jersey | 2 | $ 2,356,000 | $ 1,178,000 | $ 216,000 |
| San Diego County California | 1 | $ 454,000 | $ 454,000 | $ 245,000 |
| Adams County Colorado | 1 | $ 164,000 | $ 164,000 | $ 72,000 |
| Arapahoe County Colorado | 1 | $ 60,000 | $ 60,000 | $ 2,900,000 |
| Eagle County Colorado | 1 | $ 900,000 | $ 900,000 | $ 792,000 |
| Broward County Florida | 1 | $ 392,000 | $ 392,000 | $ 200,000 |
| Duval County Florida | 1 | $ 232,000 | $ 232,000 | $ 75,000 |
| Manatee County Florida | 1 | $ 417,000 | $ 417,000 | $ 99,000 |
| Orange County Florida | 1 | $ 500,000 | $ 500,000 | $ 249,000 |
| Osceola County Florida | 1 | $ 400,000 | $ 400,000 | $ 127,000 |
| St. Lucie County Florida | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Cobb County Georgia | 1 | $ 204,000 | $ 204,000 | $ 68,000 |
| Forsyth County Georgia | 1 | $ 270,000 | $ 270,000 | $ 104,000 |
| Monroe County Georgia | 1 | $ 220,000 | $ 220,000 | $ 99,000 |
| Cumberland County Maine | 1 | $ 187,000 | $ 187,000 | $ 51,000 |
| Talbot County Maryland | 1 | $ 64,000 | $ 64,000 | $ 52,000 |
| Essex County Massachusetts | 1 | $ 292,000 | $ 292,000 | $ 97,000 |
| Middlesex County Massachusetts | 1 | $ 195,000 | $ 195,000 | $ 135,000 |
| Norfolk County Massachusetts | 1 | $ 270,000 | $ 270,000 | $ 105,000 |
| Plymouth County Massachusetts | 1 | $ 178,000 | $ 178,000 | $ 106,000 |
| Chisago County Minnesota | 1 | $ 222,000 | $ 222,000 | $ 92,000 |
| Mercer County New Jersey | 1 | $ 1,190,000 | $ 1,190,000 | $ 644,000 |
| Ocean County New Jersey | 1 | $ 625,000 | $ 625,000 | $ 275,000 |
| Somerset County New Jersey | 1 | $ 270,000 | $ 270,000 | $ 118,000 |
| Sussex County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Essex County New York | 1 | $ 299,000 | $ 299,000 | $ 113,000 |
| Durham County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 426,000 |
| Philadelphia County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 688,000 |
| Williamson County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| Rutland County Vermont | 1 | $ 306,000 | $ 306,000 | $ 187,000 |
| Windsor County Vermont | 1 | $ 245,000 | $ 245,000 | $ 280,000 |
| Fairfax County Virginia | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,408,000 |
| Salem County Virginia | 1 | $ 220,000 | $ 220,000 | $ 77,000 |
| Virginia Beach County Virginia | 1 | $ 190,000 | $ 190,000 | $ 95,000 |
| Waukesha County Wisconsin | 1 | $ 216,000 | $ 216,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Provident Bank in 2013
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 | 616 | $250,810,000 | $407,000 | $9,675,000 | $188,000 | $8,700,000 |
| Home Purchase | 295 | $109,373,000 | $370,000 | $2,000,000 | $247,000 | $3,490,000 |
| Home Improvement | 99 | $16,373,000 | $165,000 | $1,900,000 | $170,000 | $2,900,000 |
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 | 782 | $240,171,000 | $307,000 | $5,000,000 | $210,000 | $8,700,000 |
| Hispanic | 53 | $10,152,000 | $191,000 | $628,000 | $95,000 | $395,000 |
| Asian | 46 | $18,335,000 | $398,000 | $2,000,000 | $200,000 | $1,206,000 |
| Not applicable | 46 | $74,261,000 | $1,614,000 | $9,675,000 | $0 | $0 |
| Not Provided | 40 | $23,656,000 | $591,000 | $2,475,000 | $467,000 | $3,490,000 |
| Black or African American | 40 | $9,421,000 | $235,000 | $1,623,000 | $196,000 | $2,900,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $450,000 | $225,000 | $367,000 | $74,000 | $118,000 |
| American Indian or Alaskan Native | 1 | $110,000 | $110,000 | $110,000 | $115,000 | $115,000 |
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) | 998 | $372,078,000 | $372,000 | $9,675,000 | $204,000 | $8,700,000 |
| FHA-insured (Federal Housing Administration) | 12 | $4,478,000 | $373,000 | $628,000 | $154,000 | $296,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 474 | $178,177,000 | $375,000 | $9,675,000 | $158,000 | $3,600,000 |
| Application Denied By Financial Institution | 275 | $66,700,000 | $242,000 | $5,000,000 | $154,000 | $2,314,000 |
| File Closed For Incompleteness | 78 | $30,742,000 | $394,000 | $2,475,000 | $420,000 | $8,700,000 |
| Application Withdrawn By Applicant | 63 | $16,241,000 | $257,000 | $3,000,000 | $180,000 | $1,730,000 |
| Application Approved But Not Accepted | 60 | $17,706,000 | $295,000 | $1,500,000 | $186,000 | $1,408,000 |
| Loan Purchased By The Institution | 60 | $66,990,000 | $1,116,000 | $4,000,000 | $555,000 | $2,019,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 99 | $29,756,000 | $300,000 | $5,000,000 | $82,000 | $560,000 |
| Collateral | 85 | $18,692,000 | $219,000 | $600,000 | $275,000 | $2,314,000 |
| Credit History | 66 | $11,856,000 | $179,000 | $823,000 | $108,000 | $567,000 |
| Other | 14 | $1,921,000 | $137,000 | $300,000 | $107,000 | $292,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,740,000 | $248,000 | $417,000 | $105,000 | $233,000 |
| Unverifiable Information | 2 | $2,245,000 | $1,122,000 | $1,700,000 | $546,000 | $834,000 |
| Mortgage Insurance Denied | 1 | $290,000 | $290,000 | $290,000 | $242,000 | $242,000 |
| Employment History | 1 | $200,000 | $200,000 | $200,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Bank's 2013 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 New York, download the full spreadsheet
with aggregated HMDA statistics today.