Provident Funding Associates Mortgage Lending & HMDA Data, 2025

In 2025, Provident Funding Associates of Santa Rosa, CA reported 19,001 mortgage applications totaling $8.3 billion, down 14% from 2024. The average application was for $438,279, and applicants reported an average income of $181,230. 64% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,117), Houston-The Woodlands-Sugar Land, TX (756) and Phoenix-Mesa-Scottsdale, AZ (737) (applications in parentheses).

Mortgage Company & Address Provident Funding Associates
1235 North Dutton Ave Ste E
Santa Rosa, CA 95401
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 19,001
Total Mortgage Loan Application Amount $8,327,755,000
Average Mortgage Loan Application Amount $438,279
Highest Mortgage Loan Application Amount $1,275,000
Average Applicant Income $181,230
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Provident Funding Associates by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 687 $ 313,685,000 $ 456,601 $ 183,000
Collin, Texas 500 $ 240,710,000 $ 481,420 $ 206,000
Harris, Texas 386 $ 136,170,000 $ 352,772 $ 179,000
Salt Lake, Utah 342 $ 171,470,000 $ 501,374 $ 188,000
Denton, Texas 335 $ 157,635,000 $ 470,552 $ 192,000
King, Washington 304 $ 181,080,000 $ 595,657 $ 202,000
Wake, North Carolina 274 $ 122,430,000 $ 446,824 $ 196,000
Tarrant, Texas 274 $ 105,630,000 $ 385,510 $ 170,000
Sacramento, California 272 $ 134,390,000 $ 494,080 $ 183,000
Dallas, Texas 234 $ 103,150,000 $ 440,811 $ 199,000
Allegheny, Pennsylvania 232 $ 83,190,000 $ 358,577 $ 165,000
Jefferson, Kentucky 219 $ 79,935,000 $ 365,000 $ 153,000
Los Angeles, California 214 $ 123,980,000 $ 579,345 $ 203,000
Montgomery, Pennsylvania 206 $ 91,060,000 $ 442,038 $ 180,000
Washington, Oregon 199 $ 100,045,000 $ 502,738 $ 192,000
Fort Bend, Texas 197 $ 82,605,000 $ 419,314 $ 189,000
Mecklenburg, North Carolina 196 $ 87,670,000 $ 447,295 $ 187,000
Gwinnett, Georgia 191 $ 76,045,000 $ 398,141 $ 152,000
Utah, Utah 190 $ 90,580,000 $ 476,736 $ 162,000
Multnomah, Oregon 187 $ 94,395,000 $ 504,786 $ 187,000
Davis, Utah 186 $ 84,380,000 $ 453,655 $ 160,000
Cook, Illinois 178 $ 75,250,000 $ 422,752 $ 192,000
Jefferson, Colorado 176 $ 90,590,000 $ 514,715 $ 186,000
Snohomish, Washington 159 $ 93,145,000 $ 585,817 $ 190,000
Fulton, Georgia 158 $ 77,120,000 $ 488,101 $ 196,000
Bucks, Pennsylvania 158 $ 71,560,000 $ 452,911 $ 174,000
San Diego, California 147 $ 92,405,000 $ 628,605 $ 215,000
Travis, Texas 144 $ 70,420,000 $ 489,027 $ 223,000
Douglas, Colorado 143 $ 74,995,000 $ 524,440 $ 198,000
Philadelphia, Pennsylvania 133 $ 47,815,000 $ 359,511 $ 164,000
Riverside, California 132 $ 64,390,000 $ 487,803 $ 185,000
Orange, California 128 $ 75,570,000 $ 590,390 $ 224,000
Williamson, Texas 128 $ 57,740,000 $ 451,093 $ 211,000
Clackamas, Oregon 125 $ 64,495,000 $ 515,960 $ 195,000
Chester, Pennsylvania 124 $ 61,030,000 $ 492,177 $ 212,000
Forsyth, Georgia 121 $ 64,745,000 $ 535,082 $ 284,000
Shelby, Tennessee 121 $ 40,185,000 $ 332,107 $ 141,000
Fairfax, Virginia 120 $ 68,750,000 $ 572,916 $ 199,000
Contra Costa, California 118 $ 66,710,000 $ 565,338 $ 200,000
Arapahoe, Colorado 114 $ 56,770,000 $ 497,982 $ 185,000
Broward, Florida 114 $ 57,670,000 $ 505,877 $ 199,000
Placer, California 111 $ 56,665,000 $ 510,495 $ 208,000
Middlesex, New Jersey 107 $ 53,935,000 $ 504,065 $ 188,000
Franklin, Ohio 104 $ 38,640,000 $ 371,538 $ 160,000
Oakland, Michigan 103 $ 37,845,000 $ 367,427 $ 161,000
Bergen, New Jersey 102 $ 56,250,000 $ 551,470 $ 195,000
Cobb, Georgia 99 $ 42,935,000 $ 433,686 $ 169,000
Montgomery, Maryland 99 $ 51,935,000 $ 524,595 $ 183,000
Denver, Colorado 98 $ 53,920,000 $ 550,204 $ 191,000
Alameda, California 95 $ 58,615,000 $ 617,000 $ 222,000
El Paso, Colorado 95 $ 40,015,000 $ 421,210 $ 142,000
Fayette, Kentucky 93 $ 29,365,000 $ 315,752 $ 141,000
Delaware, Pennsylvania 93 $ 37,485,000 $ 403,064 $ 185,000
Milwaukee, Wisconsin 93 $ 33,085,000 $ 355,752 $ 165,000
Weber, Utah 87 $ 36,455,000 $ 419,022 $ 145,000
Orange, Florida 85 $ 37,485,000 $ 441,000 $ 188,000
Montgomery, Texas 83 $ 29,235,000 $ 352,228 $ 190,000
San Bernardino, California 82 $ 40,250,000 $ 490,853 $ 214,000
Hillsborough, Florida 82 $ 34,850,000 $ 425,000 $ 190,000
Hennepin, Minnesota 82 $ 35,230,000 $ 429,634 $ 192,000
Santa Clara, California 80 $ 47,890,000 $ 598,625 $ 242,000
Palm Beach, Florida 80 $ 38,790,000 $ 484,875 $ 217,000
Bexar, Texas 80 $ 29,700,000 $ 371,250 $ 164,000
Fresno, California 77 $ 31,625,000 $ 410,714 $ 174,000
Johnson, Kansas 77 $ 35,985,000 $ 467,337 $ 164,000
Hamilton, Indiana 76 $ 29,030,000 $ 381,973 $ 168,000
Pierce, Washington 76 $ 35,610,000 $ 468,552 $ 154,000
Lake, Illinois 75 $ 36,995,000 $ 493,266 $ 211,000
Spokane, Washington 75 $ 32,065,000 $ 427,533 $ 158,000
Pinellas, Florida 74 $ 29,090,000 $ 393,108 $ 176,000
Clark, Washington 74 $ 34,290,000 $ 463,378 $ 161,000
DuPage, Illinois 73 $ 29,985,000 $ 410,753 $ 175,000
Prince William, Virginia 70 $ 35,390,000 $ 505,571 $ 138,000
Pima, Arizona 69 $ 24,875,000 $ 360,507 $ 163,000
San Joaquin, California 68 $ 36,590,000 $ 538,088 $ 195,000
Larimer, Colorado 68 $ 30,370,000 $ 446,617 $ 172,000
Deschutes, Oregon 68 $ 35,730,000 $ 525,441 $ 197,000
Capitol Planning Region, Connecticut 66 $ 23,530,000 $ 356,515 $ 154,000
Ventura, California 64 $ 38,180,000 $ 596,562 $ 193,000
Lee, Florida 63 $ 22,695,000 $ 360,238 $ 196,000
Howard, Maryland 63 $ 33,295,000 $ 528,492 $ 218,000
Henrico, Virginia 63 $ 27,265,000 $ 432,777 $ 161,000
Boulder, Colorado 62 $ 34,360,000 $ 554,193 $ 221,000
Marion, Indiana 62 $ 18,340,000 $ 295,806 $ 158,000
Cherokee, Georgia 60 $ 27,390,000 $ 456,500 $ 172,000
Durham, North Carolina 60 $ 23,360,000 $ 389,333 $ 176,000
Frederick, Maryland 59 $ 28,905,000 $ 489,915 $ 183,000
Loudoun, Virginia 59 $ 32,305,000 $ 547,542 $ 185,000
DeKalb, Georgia 58 $ 28,410,000 $ 489,827 $ 217,000
St. Louis, Missouri 58 $ 23,940,000 $ 412,758 $ 228,000
Baltimore, Maryland 56 $ 22,650,000 $ 404,464 $ 157,000
Chesterfield, Virginia 55 $ 22,425,000 $ 407,727 $ 176,000
Monmouth, New Jersey 53 $ 28,355,000 $ 535,000 $ 214,000
Camden, New Jersey 52 $ 24,120,000 $ 463,846 $ 233,000
Pinal, Arizona 50 $ 18,060,000 $ 361,200 $ 126,000
Guilford, North Carolina 50 $ 16,760,000 $ 335,200 $ 150,000
Greenville, South Carolina 50 $ 21,560,000 $ 431,200 $ 161,000
Somerset, New Jersey 49 $ 26,595,000 $ 542,755 $ 231,000
Delaware, Ohio 49 $ 20,785,000 $ 424,183 $ 179,000
Pasco, Florida 48 $ 17,950,000 $ 373,958 $ 194,000
Burlington, New Jersey 48 $ 19,500,000 $ 406,250 $ 331,000
Union, North Carolina 47 $ 19,045,000 $ 405,212 $ 186,000
Cuyahoga, Ohio 47 $ 16,775,000 $ 356,914 $ 157,000
Waukesha, Wisconsin 47 $ 19,675,000 $ 418,617 $ 158,000
York, South Carolina 46 $ 18,330,000 $ 398,478 $ 160,000
Smith, Texas 46 $ 14,720,000 $ 320,000 $ 147,000
Seminole, Florida 45 $ 17,335,000 $ 385,222 $ 183,000
Will, Illinois 45 $ 19,435,000 $ 431,888 $ 165,000
Clark, Nevada 45 $ 18,985,000 $ 421,888 $ 175,000
Butler, Pennsylvania 45 $ 19,385,000 $ 430,777 $ 172,000
Washington, Utah 45 $ 20,815,000 $ 462,555 $ 167,000
Adams, Colorado 44 $ 19,990,000 $ 454,318 $ 166,000
Baltimore City, Maryland 43 $ 15,125,000 $ 351,744 $ 171,000
Miami-Dade, Florida 42 $ 21,810,000 $ 519,285 $ 208,000
Anne Arundel, Maryland 40 $ 21,380,000 $ 534,500 $ 199,000
Morris, New Jersey 40 $ 21,060,000 $ 526,500 $ 214,000
Hamilton, Ohio 40 $ 14,390,000 $ 359,750 $ 209,000
Sonoma, California 39 $ 20,725,000 $ 531,410 $ 194,000
Naugatuck Valley Planning Region, Connecticut 39 $ 14,885,000 $ 381,666 $ 179,000
Galveston, Texas 39 $ 15,005,000 $ 384,743 $ 313,000
Ocean, New Jersey 38 $ 15,320,000 $ 403,157 $ 160,000
Cabarrus, North Carolina 38 $ 15,280,000 $ 402,105 $ 189,000
El Dorado, California 37 $ 17,285,000 $ 467,162 $ 172,000
Wayne, Michigan 37 $ 11,315,000 $ 305,810 $ 140,000
Lehigh, Pennsylvania 36 $ 14,320,000 $ 397,777 $ 155,000
Charleston, South Carolina 36 $ 18,450,000 $ 512,500 $ 160,000
Hall, Georgia 35 $ 13,005,000 $ 371,571 $ 161,000
Cache, Utah 35 $ 15,085,000 $ 431,000 $ 150,000
Weld, Colorado 34 $ 13,320,000 $ 391,764 $ 136,000
South Central Connecticut Planning Region, Connecticut 34 $ 15,240,000 $ 448,235 $ 208,000
St. Johns, Florida 34 $ 15,200,000 $ 447,058 $ 166,000
Oldham, Kentucky 34 $ 13,170,000 $ 387,352 $ 182,000
Prince George's, Maryland 34 $ 15,430,000 $ 453,823 $ 197,000
Lancaster, Pennsylvania 34 $ 11,650,000 $ 342,647 $ 183,000
Washington, Minnesota 33 $ 13,905,000 $ 421,363 $ 167,000
Forsyth, North Carolina 33 $ 9,925,000 $ 300,757 $ 139,000
Brazoria, Texas 33 $ 13,485,000 $ 408,636 $ 178,000
Yavapai, Arizona 32 $ 13,460,000 $ 420,625 $ 147,000
Broomfield, Colorado 32 $ 17,590,000 $ 549,687 $ 219,000
Mercer, New Jersey 32 $ 15,400,000 $ 481,250 $ 255,000
Oklahoma, Oklahoma 32 $ 9,800,000 $ 306,250 $ 150,000
San Mateo, California 31 $ 20,715,000 $ 668,225 $ 267,000
Stanislaus, California 31 $ 12,565,000 $ 405,322 $ 155,000
Macomb, Michigan 31 $ 9,535,000 $ 307,580 $ 137,000
Davidson, Tennessee 31 $ 13,565,000 $ 437,580 $ 161,000
Passaic, New Jersey 30 $ 14,820,000 $ 494,000 $ 183,000
Duval, Florida 29 $ 9,275,000 $ 319,827 $ 141,000
Sarasota, Florida 29 $ 10,925,000 $ 376,724 $ 151,000
Dakota, Minnesota 29 $ 10,935,000 $ 377,068 $ 172,000
Yolo, California 28 $ 13,730,000 $ 490,357 $ 239,000
St. Charles, Missouri 28 $ 10,560,000 $ 377,142 $ 341,000
Jackson, Missouri 27 $ 8,915,000 $ 330,185 $ 135,000
Washoe, Nevada 27 $ 12,135,000 $ 449,444 $ 138,000
Union, New Jersey 27 $ 14,245,000 $ 527,592 $ 171,000
Northampton, Pennsylvania 27 $ 11,285,000 $ 417,962 $ 157,000
Solano, California 26 $ 12,890,000 $ 495,769 $ 196,000
Osceola, Florida 26 $ 10,320,000 $ 396,923 $ 151,000
Summit, Ohio 26 $ 7,270,000 $ 279,615 $ 132,000
Marion, Oregon 26 $ 12,300,000 $ 473,076 $ 178,000
Hays, Texas 25 $ 10,055,000 $ 402,200 $ 179,000
New Hanover, North Carolina 24 $ 10,330,000 $ 430,416 $ 327,000
Polk, Florida 23 $ 7,875,000 $ 342,391 $ 156,000
St. Lucie, Florida 23 $ 8,155,000 $ 354,565 $ 117,000
Iredell, North Carolina 23 $ 9,585,000 $ 416,739 $ 161,000
Westmoreland, Pennsylvania 23 $ 7,085,000 $ 308,043 $ 128,000
Richmond City, Virginia 23 $ 9,825,000 $ 427,173 $ 175,000
Monterey, California 22 $ 13,150,000 $ 597,727 $ 266,000
Volusia, Florida 22 $ 7,730,000 $ 351,363 $ 165,000
Sedgwick, Kansas 22 $ 7,780,000 $ 353,636 $ 185,000
Carroll, Maryland 22 $ 10,550,000 $ 479,545 $ 174,000
Essex, New Jersey 22 $ 12,180,000 $ 553,636 $ 208,000
Tooele, Utah 22 $ 8,520,000 $ 387,272 $ 145,000
Thurston, Washington 22 $ 9,460,000 $ 430,000 $ 175,000
Indian River, Florida 21 $ 7,575,000 $ 360,714 $ 151,000
Harford, Maryland 21 $ 9,605,000 $ 457,380 $ 185,000
Box Elder, Utah 21 $ 7,745,000 $ 368,809 $ 140,000
Virginia Beach, Virginia 21 $ 8,215,000 $ 391,190 $ 174,000
Clark, Indiana 20 $ 5,570,000 $ 278,500 $ 106,000
Ramsey, Minnesota 20 $ 7,100,000 $ 355,000 $ 152,000
Lane, Oregon 20 $ 9,270,000 $ 463,500 $ 196,000
San Luis Obispo, California 19 $ 10,385,000 $ 546,578 $ 186,000
Shasta, California 19 $ 6,575,000 $ 346,052 $ 141,000
Brevard, Florida 19 $ 7,375,000 $ 388,157 $ 155,000
Kane, Illinois 19 $ 7,845,000 $ 412,894 $ 172,000
Johnston, North Carolina 19 $ 7,265,000 $ 382,368 $ 167,000
Orange, North Carolina 19 $ 8,585,000 $ 451,842 $ 242,000
Montgomery, Ohio 19 $ 5,735,000 $ 301,842 $ 123,000
Benton, Oregon 19 $ 7,925,000 $ 417,105 $ 137,000
Washington, Pennsylvania 19 $ 5,895,000 $ 310,263 $ 123,000
Spartanburg, South Carolina 19 $ 5,085,000 $ 267,631 $ 183,000
Williamson, Tennessee 19 $ 11,655,000 $ 613,421 $ 207,000
Nueces, Texas 19 $ 7,435,000 $ 391,315 $ 179,000
Kitsap, Washington 19 $ 8,405,000 $ 442,368 $ 169,000
Whatcom, Washington 19 $ 10,875,000 $ 572,368 $ 195,000
Mohave, Arizona 18 $ 6,280,000 $ 348,888 $ 208,000
La Plata, Colorado 18 $ 8,210,000 $ 456,111 $ 169,000
Leon, Florida 18 $ 6,890,000 $ 382,777 $ 146,000
Manatee, Florida 18 $ 8,130,000 $ 451,666 $ 185,000
Marion, Florida 18 $ 4,560,000 $ 253,333 $ 126,000
Jackson, Georgia 18 $ 6,790,000 $ 377,222 $ 144,000
Clay, Missouri 18 $ 6,880,000 $ 382,222 $ 145,000
Hunterdon, New Jersey 18 $ 7,440,000 $ 413,333 $ 173,000
Gaston, North Carolina 18 $ 6,460,000 $ 358,888 $ 130,000
Richland, South Carolina 18 $ 4,600,000 $ 255,555 $ 140,000
Grayson, Texas 18 $ 6,170,000 $ 342,777 $ 244,000
Navajo, Arizona 17 $ 5,525,000 $ 325,000 $ 150,000
Western Connecticut Planning Region, Connecticut 17 $ 8,835,000 $ 519,705 $ 221,000
Warren, Ohio 17 $ 6,665,000 $ 392,058 $ 159,000
Cumberland, Pennsylvania 17 $ 6,115,000 $ 359,705 $ 134,000
Johnson, Texas 17 $ 6,155,000 $ 362,058 $ 156,000
Island, Washington 17 $ 9,085,000 $ 534,411 $ 193,000
Santa Barbara, California 16 $ 8,010,000 $ 500,625 $ 150,000
Mesa, Colorado 16 $ 5,920,000 $ 370,000 $ 137,000
Greater Bridgeport Planning Region, Connecticut 16 $ 10,200,000 $ 637,500 $ 263,000
Lake, Florida 16 $ 5,230,000 $ 326,875 $ 156,000
Fayette, Georgia 16 $ 6,600,000 $ 412,500 $ 185,000
Sussex, New Jersey 16 $ 5,350,000 $ 334,375 $ 130,000
Knox, Tennessee 16 $ 5,380,000 $ 336,250 $ 123,000
Rutherford, Tennessee 16 $ 5,560,000 $ 347,500 $ 103,000
Ellis, Texas 16 $ 6,170,000 $ 385,625 $ 141,000
Santa Cruz, California 15 $ 9,055,000 $ 603,666 $ 179,000
Hendricks, Indiana 15 $ 4,625,000 $ 308,333 $ 116,000
Beaver, Pennsylvania 15 $ 3,895,000 $ 259,666 $ 117,000
Dauphin, Pennsylvania 15 $ 4,265,000 $ 284,333 $ 96,000
Kern, California 14 $ 5,340,000 $ 381,428 $ 151,000
Martin, Florida 14 $ 6,100,000 $ 435,714 $ 210,000
Paulding, Georgia 14 $ 4,870,000 $ 347,857 $ 132,000
Peoria, Illinois 14 $ 3,360,000 $ 240,000 $ 106,000
Gloucester, New Jersey 14 $ 5,480,000 $ 391,428 $ 169,000
Hamilton, Tennessee 14 $ 6,110,000 $ 436,428 $ 213,000
Parker, Texas 14 $ 7,140,000 $ 510,000 $ 191,000
Rockwall, Texas 14 $ 5,450,000 $ 389,285 $ 222,000
Bedford, Virginia 14 $ 4,830,000 $ 345,000 $ 130,000
Lynchburg, Virginia 14 $ 3,610,000 $ 257,857 $ 169,000
San Francisco, California 13 $ 8,595,000 $ 661,153 $ 353,000
Collier, Florida 13 $ 5,555,000 $ 427,307 $ 179,000
Sumter, Florida 13 $ 3,575,000 $ 275,000 $ 174,000
Clarke, Georgia 13 $ 4,515,000 $ 347,307 $ 167,000
Ada, Idaho 13 $ 4,545,000 $ 349,615 $ 168,000
Washtenaw, Michigan 13 $ 4,295,000 $ 330,384 $ 162,000
Anoka, Minnesota 13 $ 4,385,000 $ 337,307 $ 151,000
Buncombe, North Carolina 13 $ 5,005,000 $ 385,000 $ 155,000
Davidson, North Carolina 13 $ 4,075,000 $ 313,461 $ 147,000
Berkeley, South Carolina 13 $ 5,095,000 $ 391,923 $ 137,000
Brazos, Texas 13 $ 4,665,000 $ 358,846 $ 222,000
Skagit, Washington 13 $ 5,735,000 $ 441,153 $ 133,000
Lower Connecticut River Valley Planning Region, Connecticut 12 $ 4,240,000 $ 353,333 $ 134,000
McHenry, Illinois 12 $ 4,220,000 $ 351,666 $ 170,000
Morgan, Indiana 12 $ 4,090,000 $ 340,833 $ 138,000
Bullitt, Kentucky 12 $ 3,910,000 $ 325,833 $ 142,000
Shelby, Kentucky 12 $ 4,570,000 $ 380,833 $ 180,000
Catawba, North Carolina 12 $ 4,080,000 $ 340,000 $ 103,000
Chatham, North Carolina 12 $ 5,480,000 $ 456,666 $ 189,000
Clermont, Ohio 12 $ 4,000,000 $ 333,333 $ 112,000
Fairfield, Ohio 12 $ 3,970,000 $ 330,833 $ 134,000
Polk, Oregon 12 $ 4,890,000 $ 407,500 $ 137,000
Berks, Pennsylvania 12 $ 3,950,000 $ 329,166 $ 121,000
Hidalgo, Texas 12 $ 2,930,000 $ 244,166 $ 119,000
Cowlitz, Washington 12 $ 6,680,000 $ 556,666 $ 203,000
Coconino, Arizona 11 $ 5,045,000 $ 458,636 $ 262,000
Humboldt, California 11 $ 4,095,000 $ 372,272 $ 167,000
Tuolumne, California 11 $ 3,425,000 $ 311,363 $ 163,000
Flagler, Florida 11 $ 3,905,000 $ 355,000 $ 151,000
Boone, Indiana 11 $ 4,025,000 $ 365,909 $ 162,000
Hancock, Indiana 11 $ 4,155,000 $ 377,727 $ 205,000
Carver, Minnesota 11 $ 4,175,000 $ 379,545 $ 288,000
Cumberland, North Carolina 11 $ 3,125,000 $ 284,090 $ 208,000
Harnett, North Carolina 11 $ 3,355,000 $ 305,000 $ 127,000
Lincoln, North Carolina 11 $ 4,365,000 $ 396,818 $ 152,000
Licking, Ohio 11 $ 4,025,000 $ 365,909 $ 139,000
Linn, Oregon 11 $ 4,075,000 $ 370,454 $ 105,000
Erie, Pennsylvania 11 $ 2,795,000 $ 254,090 $ 99,000
Luzerne, Pennsylvania 11 $ 3,105,000 $ 282,272 $ 156,000
Lancaster, South Carolina 11 $ 5,235,000 $ 475,909 $ 198,000
Racine, Wisconsin 11 $ 3,465,000 $ 315,000 $ 116,000
Park, Colorado 10 $ 4,500,000 $ 450,000 $ 170,000
Charlotte, Florida 10 $ 3,510,000 $ 351,000 $ 110,000
Chatham, Georgia 10 $ 3,470,000 $ 347,000 $ 401,000
Coweta, Georgia 10 $ 4,210,000 $ 421,000 $ 246,000
Kendall, Illinois 10 $ 4,070,000 $ 407,000 $ 165,000
Rock Island, Illinois 10 $ 1,590,000 $ 159,000 $ 72,000
Tazewell, Illinois 10 $ 2,580,000 $ 258,000 $ 132,000
Livingston, Michigan 10 $ 3,260,000 $ 326,000 $ 144,000
Scott, Minnesota 10 $ 3,690,000 $ 369,000 $ 253,000
St. Louis City, Missouri 10 $ 2,750,000 $ 275,000 $ 125,000
Tulsa, Oklahoma 10 $ 3,700,000 $ 370,000 $ 236,000
Bastrop, Texas 10 $ 4,170,000 $ 417,000 $ 155,000
Hunt, Texas 10 $ 2,790,000 $ 279,000 $ 154,000
Hanover, Virginia 10 $ 4,970,000 $ 497,000 $ 213,000
Benton, Washington 10 $ 3,960,000 $ 396,000 $ 179,000
Lewis, Washington 10 $ 3,930,000 $ 393,000 $ 134,000
Washington, Wisconsin 10 $ 3,910,000 $ 391,000 $ 150,000
Merced, California 9 $ 3,825,000 $ 425,000 $ 146,000
San Benito, California 9 $ 5,015,000 $ 557,222 $ 183,000
Southeastern Connecticut Planning Region, Connecticut 9 $ 3,045,000 $ 338,333 $ 139,000
Bay, Florida 9 $ 2,555,000 $ 283,888 $ 183,000
Hernando, Florida 9 $ 2,185,000 $ 242,777 $ 95,000
Barrow, Georgia 9 $ 2,345,000 $ 260,555 $ 98,000
Allen, Indiana 9 $ 2,325,000 $ 258,333 $ 91,000
Scott, Kentucky 9 $ 2,865,000 $ 318,333 $ 116,000
Olmsted, Minnesota 9 $ 3,115,000 $ 346,111 $ 144,000
Wright, Minnesota 9 $ 3,465,000 $ 385,000 $ 188,000
Platte, Missouri 9 $ 3,475,000 $ 386,111 $ 183,000
Brunswick, North Carolina 9 $ 2,905,000 $ 322,777 $ 236,000
Lake, Ohio 9 $ 2,855,000 $ 317,222 $ 168,000
Lorain, Ohio 9 $ 3,945,000 $ 438,333 $ 173,000
Canadian, Oklahoma 9 $ 1,885,000 $ 209,444 $ 118,000
Josephine, Oregon 9 $ 3,305,000 $ 367,222 $ 168,000
York, Pennsylvania 9 $ 2,785,000 $ 309,444 $ 116,000
Anderson, South Carolina 9 $ 2,625,000 $ 291,666 $ 107,000
Lexington, South Carolina 9 $ 2,525,000 $ 280,555 $ 97,000
Comal, Texas 9 $ 2,705,000 $ 300,555 $ 130,000
Waller, Texas 9 $ 4,045,000 $ 449,444 $ 189,000
Dane, Wisconsin 9 $ 3,695,000 $ 410,555 $ 161,000
St. Croix, Wisconsin 9 $ 2,725,000 $ 302,777 $ 159,000
Butte, California 8 $ 3,490,000 $ 436,250 $ 179,000
Marin, California 8 $ 4,470,000 $ 558,750 $ 285,000
Nevada, California 8 $ 3,760,000 $ 470,000 $ 187,000
Chaffee, Colorado 8 $ 4,010,000 $ 501,250 $ 216,000
Alachua, Florida 8 $ 2,730,000 $ 341,250 $ 131,000
Santa Rosa, Florida 8 $ 2,690,000 $ 336,250 $ 145,000
Columbia, Georgia 8 $ 3,520,000 $ 440,000 $ 174,000
Floyd, Georgia 8 $ 2,330,000 $ 291,250 $ 186,000
Muscogee, Georgia 8 $ 1,880,000 $ 235,000 $ 132,000
McLean, Illinois 8 $ 2,120,000 $ 265,000 $ 129,000
Johnson, Indiana 8 $ 2,660,000 $ 332,500 $ 168,000
Jessamine, Kentucky 8 $ 2,210,000 $ 276,250 $ 115,000
Kenton, Kentucky 8 $ 2,360,000 $ 295,000 $ 137,000
Kent, Michigan 8 $ 3,460,000 $ 432,500 $ 160,000
Jefferson, Missouri 8 $ 2,230,000 $ 278,750 $ 142,000
Hudson, New Jersey 8 $ 4,880,000 $ 610,000 $ 237,000
Warren, New Jersey 8 $ 2,730,000 $ 341,250 $ 136,000
Rowan, North Carolina 8 $ 2,740,000 $ 342,500 $ 135,000
Medina, Ohio 8 $ 2,520,000 $ 315,000 $ 110,000
Portage, Ohio 8 $ 2,780,000 $ 347,500 $ 182,000
Cleveland, Oklahoma 8 $ 2,060,000 $ 257,500 $ 130,000
Yamhill, Oregon 8 $ 4,300,000 $ 537,500 $ 149,000
Monroe, Pennsylvania 8 $ 2,660,000 $ 332,500 $ 160,000
Horry, South Carolina 8 $ 1,540,000 $ 192,500 $ 134,000
Sumner, Tennessee 8 $ 3,110,000 $ 388,750 $ 129,000
El Paso, Texas 8 $ 1,670,000 $ 208,750 $ 104,000
Kaufman, Texas 8 $ 2,970,000 $ 371,250 $ 168,000
Uintah, Utah 8 $ 2,990,000 $ 373,750 $ 102,000
Albemarle, Virginia 8 $ 4,020,000 $ 502,500 $ 163,000
Alexandria, Virginia 8 $ 5,190,000 $ 648,750 $ 248,000
Cochise, Arizona 7 $ 1,685,000 $ 240,714 $ 108,000
Calaveras, California 7 $ 2,735,000 $ 390,714 $ 259,000
Grand, Colorado 7 $ 3,695,000 $ 527,857 $ 223,000
Walton, Florida 7 $ 3,135,000 $ 447,857 $ 346,000
Dawson, Georgia 7 $ 2,455,000 $ 350,714 $ 163,000
Blaine, Idaho 7 $ 2,735,000 $ 390,714 $ 133,000
Kootenai, Idaho 7 $ 2,625,000 $ 375,000 $ 137,000
Lake, Indiana 7 $ 1,755,000 $ 250,714 $ 118,000
Tippecanoe, Indiana 7 $ 1,785,000 $ 255,000 $ 124,000
Harvey, Kansas 7 $ 2,015,000 $ 287,857 $ 114,000
Madison, Kentucky 7 $ 2,175,000 $ 310,714 $ 145,000
Spencer, Kentucky 7 $ 2,355,000 $ 336,428 $ 133,000
Berrien, Michigan 7 $ 1,355,000 $ 193,571 $ 143,000
Kalamazoo, Michigan 7 $ 2,145,000 $ 306,428 $ 126,000
Atlantic, New Jersey 7 $ 2,975,000 $ 425,000 $ 157,000
Cape May, New Jersey 7 $ 2,025,000 $ 289,285 $ 290,000
Butler, Ohio 7 $ 2,495,000 $ 356,428 $ 160,000
Jackson, Oregon 7 $ 2,965,000 $ 423,571 $ 199,000
Wasco, Oregon 7 $ 2,415,000 $ 345,000 $ 164,000
Dorchester, South Carolina 7 $ 2,595,000 $ 370,714 $ 122,000
Wilson, Tennessee 7 $ 2,875,000 $ 410,714 $ 158,000
Bell, Texas 7 $ 2,035,000 $ 290,714 $ 282,000
Cameron, Texas 7 $ 1,945,000 $ 277,857 $ 125,000
Lubbock, Texas 7 $ 1,805,000 $ 257,857 $ 183,000
Iron, Utah 7 $ 2,955,000 $ 422,142 $ 286,000
Wasatch, Utah 7 $ 4,355,000 $ 622,142 $ 664,000
Stafford, Virginia 7 $ 3,885,000 $ 555,000 $ 198,000
Amador, California 6 $ 1,830,000 $ 305,000 $ 167,000
Napa, California 6 $ 3,500,000 $ 583,333 $ 196,000
Tulare, California 6 $ 2,410,000 $ 401,666 $ 203,000
Yuba, California 6 $ 2,550,000 $ 425,000 $ 193,000
Pueblo, Colorado 6 $ 1,840,000 $ 306,666 $ 115,000
Teller, Colorado 6 $ 3,020,000 $ 503,333 $ 534,000
Clay, Florida 6 $ 1,830,000 $ 305,000 $ 116,000
Bartow, Georgia 6 $ 1,730,000 $ 288,333 $ 117,000
Henry, Georgia 6 $ 1,950,000 $ 325,000 $ 126,000
Lumpkin, Georgia 6 $ 2,110,000 $ 351,666 $ 151,000
Whitfield, Georgia 6 $ 1,700,000 $ 283,333 $ 90,000
Floyd, Indiana 6 $ 1,800,000 $ 300,000 $ 158,000
Madison, Indiana 6 $ 1,510,000 $ 251,666 $ 91,000
Porter, Indiana 6 $ 2,590,000 $ 431,666 $ 129,000
Nelson, Kentucky 6 $ 1,690,000 $ 281,666 $ 110,000
Charles, Maryland 6 $ 2,300,000 $ 383,333 $ 714,000
Wicomico, Maryland 6 $ 2,090,000 $ 348,333 $ 131,000
Eaton, Michigan 6 $ 1,230,000 $ 205,000 $ 90,000
Alamance, North Carolina 6 $ 2,010,000 $ 335,000 $ 196,000
Pender, North Carolina 6 $ 2,470,000 $ 411,666 $ 243,000
Randolph, North Carolina 6 $ 1,840,000 $ 306,666 $ 105,000
Crook, Oregon 6 $ 2,100,000 $ 350,000 $ 147,000
Lackawanna, Pennsylvania 6 $ 1,860,000 $ 310,000 $ 142,000
Aiken, South Carolina 6 $ 1,290,000 $ 215,000 $ 92,000
Beaufort, South Carolina 6 $ 2,540,000 $ 423,333 $ 317,000
Fayette, Tennessee 6 $ 1,740,000 $ 290,000 $ 120,000
Amherst, Virginia 6 $ 1,540,000 $ 256,666 $ 95,000
Chesapeake, Virginia 6 $ 2,510,000 $ 418,333 $ 145,000
Fauquier, Virginia 6 $ 2,150,000 $ 358,333 $ 113,000
Frederick, Virginia 6 $ 2,040,000 $ 340,000 $ 175,000
Chelan, Washington 6 $ 2,390,000 $ 398,333 $ 118,000
Clallam, Washington 6 $ 3,020,000 $ 503,333 $ 291,000
Yakima, Washington 6 $ 2,360,000 $ 393,333 $ 156,000
Gila, Arizona 5 $ 1,915,000 $ 383,000 $ 157,000
Madera, California 5 $ 2,595,000 $ 519,000 $ 219,000
Citrus, Florida 5 $ 1,135,000 $ 227,000 $ 78,000
Highlands, Florida 5 $ 1,225,000 $ 245,000 $ 123,000
Douglas, Georgia 5 $ 1,235,000 $ 247,000 $ 82,000
Houston, Georgia 5 $ 1,115,000 $ 223,000 $ 159,000
Newton, Georgia 5 $ 1,695,000 $ 339,000 $ 111,000
Oconee, Georgia 5 $ 2,465,000 $ 493,000 $ 124,000
Pickens, Georgia 5 $ 2,535,000 $ 507,000 $ 138,000
Troup, Georgia 5 $ 1,355,000 $ 271,000 $ 96,000
Champaign, Illinois 5 $ 2,145,000 $ 429,000 $ 222,000
Howard, Indiana 5 $ 975,000 $ 195,000 $ 62,000
Monroe, Indiana 5 $ 1,535,000 $ 307,000 $ 198,000
Clark, Kentucky 5 $ 1,865,000 $ 373,000 $ 124,000
Cecil, Maryland 5 $ 1,365,000 $ 273,000 $ 84,000
Ingham, Michigan 5 $ 1,595,000 $ 319,000 $ 152,000
Chisago, Minnesota 5 $ 2,065,000 $ 413,000 $ 152,000
Goodhue, Minnesota 5 $ 1,255,000 $ 251,000 $ 108,000
Granville, North Carolina 5 $ 1,665,000 $ 333,000 $ 147,000
Rockingham, North Carolina 5 $ 1,405,000 $ 281,000 $ 95,000
Watauga, North Carolina 5 $ 2,175,000 $ 435,000 $ 189,000
Pickaway, Ohio 5 $ 1,445,000 $ 289,000 $ 93,000
Union, Ohio 5 $ 2,055,000 $ 411,000 $ 192,000
Clatsop, Oregon 5 $ 2,285,000 $ 457,000 $ 213,000
Pickens, South Carolina 5 $ 2,145,000 $ 429,000 $ 189,000
Burnet, Texas 5 $ 2,425,000 $ 485,000 $ 233,000
Chambers, Texas 5 $ 1,405,000 $ 281,000 $ 133,000
Guadalupe, Texas 5 $ 1,425,000 $ 285,000 $ 134,000
Kendall, Texas 5 $ 2,795,000 $ 559,000 $ 219,000
Randall, Texas 5 $ 1,245,000 $ 249,000 $ 146,000
Arlington, Virginia 5 $ 2,765,000 $ 553,000 $ 185,000
Campbell, Virginia 5 $ 1,595,000 $ 319,000 $ 130,000
Grays Harbor, Washington 5 $ 1,575,000 $ 315,000 $ 123,000
Kittitas, Washington 5 $ 2,075,000 $ 415,000 $ 121,000
Stevens, Washington 5 $ 1,905,000 $ 381,000 $ 169,000
Pierce, Wisconsin 5 $ 1,525,000 $ 305,000 $ 84,000
Santa Cruz, Arizona 4 $ 1,240,000 $ 310,000 $ 150,000
Kings, California 4 $ 1,950,000 $ 487,500 $ 204,000
Delta, Colorado 4 $ 1,340,000 $ 335,000 $ 76,000
Routt, Colorado 4 $ 2,950,000 $ 737,500 $ 293,000
Summit, Colorado 4 $ 2,080,000 $ 520,000 $ 222,000
Northwest Hills Planning Region, Connecticut 4 $ 1,150,000 $ 287,500 $ 139,000
Monroe, Florida 4 $ 2,140,000 $ 535,000 $ 195,000
Bibb, Georgia 4 $ 1,400,000 $ 350,000 $ 157,000
Catoosa, Georgia 4 $ 1,480,000 $ 370,000 $ 151,000
Clayton, Georgia 4 $ 680,000 $ 170,000 $ 372,000
Monroe, Georgia 4 $ 1,410,000 $ 352,500 $ 99,000
Polk, Georgia 4 $ 850,000 $ 212,500 $ 120,000
Putnam, Georgia 4 $ 840,000 $ 210,000 $ 92,000
Richmond, Georgia 4 $ 630,000 $ 157,500 $ 54,000
Walton, Georgia 4 $ 2,050,000 $ 512,500 $ 167,000
Boone, Kentucky 4 $ 1,780,000 $ 445,000 $ 226,000
Boyle, Kentucky 4 $ 910,000 $ 227,500 $ 94,000
Franklin, Kentucky 4 $ 1,060,000 $ 265,000 $ 97,000
Hardin, Kentucky 4 $ 830,000 $ 207,500 $ 127,000
Worcester, Maryland 4 $ 1,260,000 $ 315,000 $ 203,000
Van Buren, Michigan 4 $ 970,000 $ 242,500 $ 110,000
Sherburne, Minnesota 4 $ 1,430,000 $ 357,500 $ 125,000
Stearns, Minnesota 4 $ 1,120,000 $ 280,000 $ 100,000
Cass, Missouri 4 $ 1,420,000 $ 355,000 $ 154,000
Stone, Missouri 4 $ 780,000 $ 195,000 $ 146,000
Madison, Ohio 4 $ 1,180,000 $ 295,000 $ 124,000
Douglas, Oregon 4 $ 1,780,000 $ 445,000 $ 116,000
Tillamook, Oregon 4 $ 1,780,000 $ 445,000 $ 333,000
Umatilla, Oregon 4 $ 1,720,000 $ 430,000 $ 126,000
Centre, Pennsylvania 4 $ 1,190,000 $ 297,500 $ 74,000
Lebanon, Pennsylvania 4 $ 1,090,000 $ 272,500 $ 233,000
Perry, Pennsylvania 4 $ 1,490,000 $ 372,500 $ 144,000
Oconee, South Carolina 4 $ 1,360,000 $ 340,000 $ 236,000
Gregg, Texas 4 $ 870,000 $ 217,500 $ 87,000
Orange, Texas 4 $ 1,120,000 $ 280,000 $ 115,000
San Patricio, Texas 4 $ 1,030,000 $ 257,500 $ 102,000
Sanpete, Utah 4 $ 970,000 $ 242,500 $ 64,000
Caroline, Virginia 4 $ 1,350,000 $ 337,500 $ 145,000
Fairfax City, Virginia 4 $ 2,360,000 $ 590,000 $ 173,000
Montgomery, Virginia 4 $ 1,980,000 $ 495,000 $ 205,000
Norfolk, Virginia 4 $ 1,560,000 $ 390,000 $ 119,000
Roanoke City, Virginia 4 $ 1,490,000 $ 372,500 $ 183,000
York, Virginia 4 $ 1,780,000 $ 445,000 $ 297,000
Klickitat, Washington 4 $ 1,650,000 $ 412,500 $ 264,000
Mason, Washington 4 $ 1,240,000 $ 310,000 $ 112,000
San Juan, Washington 4 $ 2,600,000 $ 650,000 $ 274,000
Ozaukee, Wisconsin 4 $ 2,060,000 $ 515,000 $ 190,000
Colusa, California 3 $ 1,065,000 $ 355,000 $ 273,000
Lake, California 3 $ 815,000 $ 271,666 $ 112,000
Mono, California 3 $ 1,295,000 $ 431,666 $ 185,000
Sutter, California 3 $ 845,000 $ 281,666 $ 130,000
Tehama, California 3 $ 1,255,000 $ 418,333 $ 175,000
Alamosa, Colorado 3 $ 915,000 $ 305,000 $ 132,000
Clear Creek, Colorado 3 $ 965,000 $ 321,666 $ 83,000
Eagle, Colorado 3 $ 1,895,000 $ 631,666 $ 237,000
Elbert, Colorado 3 $ 1,605,000 $ 535,000 $ 143,000
Garfield, Colorado 3 $ 1,325,000 $ 441,666 $ 118,000
Gunnison, Colorado 3 $ 1,655,000 $ 551,666 $ 255,000
Montrose, Colorado 3 $ 1,335,000 $ 445,000 $ 143,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2025

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
Home Purchase 13,660 $6,004,430,000 $439,000 $1,275,000 $178,000 $9,999,000
Refinancing 4,440 $2,068,870,000 $465,000 $1,205,000 $190,000 $3,917,000
Cash-out Refinancing 899 $253,505,000 $281,000 $1,205,000 $187,000 $4,941,000
Other Purpose 2 $950,000 $475,000 $635,000 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $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
White 8,487 $3,593,125,000 $423,000 $1,275,000 $179,000 $9,999,000
Asian 4,466 $2,090,780,000 $468,000 $1,205,000 $190,000 $3,917,000
Not Provided 4,314 $1,922,350,000 $445,000 $1,205,000 $183,000 $4,941,000
Hispanic 1,139 $478,895,000 $420,000 $1,035,000 $161,000 $1,483,000
Black or African American 372 $152,040,000 $408,000 $805,000 $172,000 $2,400,000
Not applicable 183 $74,285,000 $405,000 $805,000 $0 $0
American Indian or Alaskan Native 21 $10,445,000 $497,000 $805,000 $177,000 $468,000
Native Hawaiian or Other Pacific Islander 19 $5,835,000 $307,000 $805,000 $112,000 $302,000

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) 19,001 $8,327,755,000 $438,000 $1,275,000 $181,000 $9,999,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
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 12,170 $5,406,910,000 $444,000 $1,155,000 $175,000 $2,339,000
Application Withdrawn By Applicant 3,871 $1,676,475,000 $433,000 $1,275,000 $198,000 $9,999,000
Application Denied By Financial Institution 1,290 $502,060,000 $389,000 $1,205,000 $180,000 $3,602,000
File Closed For Incompleteness 1,232 $553,080,000 $448,000 $1,205,000 $188,000 $1,992,000
Application Approved But Not Accepted 255 $114,945,000 $450,000 $895,000 $180,000 $954,000
Loan Purchased By The Institution 183 $74,285,000 $405,000 $805,000 $0 $0
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
Not applicable 17,711 $7,825,695,000 $441,000 $1,275,000 $181,000 $9,999,000
Collateral 427 $171,595,000 $401,000 $1,005,000 $225,000 $2,820,000
Debt-To-Income Ratio 392 $177,010,000 $451,000 $1,205,000 $108,000 $525,000
Credit History 205 $59,035,000 $287,000 $825,000 $147,000 $1,200,000
Other 182 $60,210,000 $330,000 $1,115,000 $271,000 $3,120,000
Employment History 42 $16,500,000 $392,000 $805,000 $78,000 $280,000
Unverifiable Information 30 $13,010,000 $433,000 $805,000 $213,000 $2,368,000
Insufficient Cash (Downpayment, Closing Cost) 12 $4,700,000 $391,000 $675,000 $428,000 $3,602,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2025 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 Funding Associates'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.
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