Provident Funding Associates Mortgage Lending & HMDA Data, 2003

In 2003, Provident Funding Associates of Santa Rosa, CA reported 110,003 mortgage applications totaling $22.4 billion. The average application was for $203,798, and applicants reported an average income of $97,722. 85% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Oakland, CA (5,361), Seattle-Bellevue-Everett, WA (5,145) and Sacramento, CA (4,944) (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
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Total Number of Mortgage Applications 110,003
Total Mortgage Loan Application Amount $22,418,465,000
Average Mortgage Loan Application Amount $203,798
Highest Mortgage Loan Application Amount $999,000
Average Applicant Income $97,722
Highest Applicant Income $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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Clara, California 4,696 $ 1,311,326,000 $ 279,243 $ 130,000
Los Angeles, California 4,621 $ 1,065,067,000 $ 230,484 $ 105,000
San Diego, California 4,356 $ 1,099,434,000 $ 252,395 $ 124,000
King, Washington 4,188 $ 970,105,000 $ 231,639 $ 116,000
Maricopa, Arizona 3,754 $ 667,852,000 $ 177,904 $ 97,000
Alameda, California 3,219 $ 856,314,000 $ 266,018 $ 108,000
Sacramento, California 3,177 $ 639,297,000 $ 201,226 $ 92,000
Salt Lake, Utah 3,150 $ 530,564,000 $ 168,433 $ 88,000
Orange, California 2,732 $ 692,885,000 $ 253,618 $ 114,000
Contra Costa, California 2,142 $ 536,161,000 $ 250,308 $ 105,000
Collin, Texas 2,016 $ 335,186,000 $ 166,262 $ 109,000
Ventura, California 1,748 $ 424,065,000 $ 242,600 $ 117,000
San Mateo, California 1,711 $ 481,883,000 $ 281,638 $ 132,000
Sonoma, California 1,630 $ 376,487,000 $ 230,973 $ 99,000
Wake, North Carolina 1,521 $ 283,619,000 $ 186,468 $ 111,000
Cook, Illinois 1,409 $ 289,061,000 $ 205,153 $ 89,000
Hennepin, Minnesota 1,253 $ 236,094,000 $ 188,422 $ 112,000
Washington, Oregon 1,234 $ 231,140,000 $ 187,309 $ 89,000
Riverside, California 1,137 $ 235,729,000 $ 207,325 $ 106,000
Placer, California 1,135 $ 250,556,000 $ 220,754 $ 105,000
Utah, Utah 1,095 $ 183,713,000 $ 167,774 $ 72,000
Multnomah, Oregon 957 $ 167,840,000 $ 175,381 $ 74,000
Snohomish, Washington 932 $ 184,605,000 $ 198,074 $ 89,000
Solano, California 923 $ 205,342,000 $ 222,472 $ 94,000
DuPage, Illinois 911 $ 192,854,000 $ 211,694 $ 103,000
Davis, Utah 887 $ 151,105,000 $ 170,355 $ 90,000
San Bernardino, California 867 $ 166,686,000 $ 192,256 $ 93,000
Dallas, Texas 809 $ 132,199,000 $ 163,410 $ 126,000
San Joaquin, California 807 $ 167,338,000 $ 207,358 $ 85,000
Arapahoe, Colorado 797 $ 150,258,000 $ 188,529 $ 87,000
Jefferson, Colorado 796 $ 155,032,000 $ 194,763 $ 103,000
Boulder, Colorado 761 $ 167,812,000 $ 220,515 $ 104,000
New Haven, Connecticut 759 $ 132,961,000 $ 175,179 $ 93,000
Broward, Florida 728 $ 131,126,000 $ 180,118 $ 95,000
Oakland, Michigan 717 $ 147,383,000 $ 205,555 $ 118,000
Hartford, Connecticut 713 $ 123,041,000 $ 172,568 $ 89,000
Middlesex, Massachusetts 710 $ 171,090,000 $ 240,971 $ 115,000
Clark, Nevada 705 $ 117,847,000 $ 167,158 $ 91,000
San Francisco, California 687 $ 182,569,000 $ 265,748 $ 113,000
Mecklenburg, North Carolina 650 $ 112,900,000 $ 173,692 $ 97,000
El Dorado, California 632 $ 135,488,000 $ 214,379 $ 123,000
Jefferson, Kentucky 610 $ 104,164,000 $ 170,760 $ 103,000
Palm Beach, Florida 604 $ 103,096,000 $ 170,688 $ 92,000
Jefferson, Louisiana 597 $ 84,344,000 $ 141,279 $ 84,000
Hillsborough, Florida 596 $ 94,250,000 $ 158,137 $ 92,000
Clackamas, Oregon 578 $ 110,695,000 $ 191,513 $ 82,000
Denton, Texas 577 $ 100,678,000 $ 174,485 $ 111,000
Pinellas, Florida 576 $ 86,588,000 $ 150,326 $ 92,000
Norfolk, Massachusetts 535 $ 119,586,000 $ 223,525 $ 117,000
Oklahoma, Oklahoma 534 $ 70,490,000 $ 132,003 $ 74,000
Santa Cruz, California 525 $ 129,087,000 $ 245,880 $ 111,000
Denver, Colorado 484 $ 93,765,000 $ 193,729 $ 77,000
Dakota, Minnesota 445 $ 83,167,000 $ 186,892 $ 87,000
Marin, California 440 $ 116,043,000 $ 263,734 $ 150,000
Marion, Indiana 425 $ 64,156,000 $ 150,955 $ 115,000
Pima, Arizona 417 $ 65,888,000 $ 158,004 $ 84,000
Lake, Illinois 412 $ 91,510,000 $ 222,111 $ 112,000
Tarrant, Texas 408 $ 65,018,000 $ 159,357 $ 95,000
Weber, Utah 407 $ 59,238,000 $ 145,547 $ 65,000
Stanislaus, California 405 $ 74,971,000 $ 185,113 $ 98,000
Orange, Florida 380 $ 59,815,000 $ 157,407 $ 96,000
Bergen, New Jersey 380 $ 92,176,000 $ 242,568 $ 126,000
Hamilton, Indiana 374 $ 72,261,000 $ 193,211 $ 104,000
Harris, Texas 364 $ 58,345,000 $ 160,288 $ 107,000
Madison, Alabama 363 $ 46,866,000 $ 129,107 $ 81,000
Travis, Texas 361 $ 66,673,000 $ 184,689 $ 117,000
Essex, Massachusetts 359 $ 85,278,000 $ 237,543 $ 124,000
Cuyahoga, Ohio 354 $ 60,299,000 $ 170,336 $ 92,000
Clark, Washington 349 $ 61,378,000 $ 175,868 $ 108,000
Yolo, California 347 $ 75,762,000 $ 218,334 $ 92,000
Miami-Dade, Florida 332 $ 58,687,000 $ 176,768 $ 113,000
St. Tammany, Louisiana 323 $ 51,350,000 $ 158,978 $ 88,000
Pierce, Washington 320 $ 56,676,000 $ 177,112 $ 78,000
Tulsa, Oklahoma 308 $ 43,477,000 $ 141,159 $ 78,000
Adams, Colorado 305 $ 55,156,000 $ 180,839 $ 81,000
Wayne, Michigan 305 $ 55,656,000 $ 182,478 $ 97,000
Nevada, California 298 $ 55,680,000 $ 186,845 $ 117,000
Will, Illinois 293 $ 57,606,000 $ 196,607 $ 114,000
Ramsey, Minnesota 293 $ 48,099,000 $ 164,160 $ 82,000
Morris, New Jersey 291 $ 67,159,000 $ 230,786 $ 129,000
Larimer, Colorado 285 $ 53,443,000 $ 187,519 $ 97,000
Macomb, Michigan 275 $ 45,855,000 $ 166,745 $ 102,000
Middlesex, New Jersey 275 $ 53,009,000 $ 192,760 $ 100,000
Summit, Ohio 275 $ 43,701,000 $ 158,912 $ 89,000
Kane, Illinois 273 $ 55,591,000 $ 203,630 $ 93,000
Plymouth, Massachusetts 273 $ 62,428,000 $ 228,673 $ 101,000
Montgomery, Pennsylvania 273 $ 53,675,000 $ 196,611 $ 126,000
Anoka, Minnesota 271 $ 42,244,000 $ 155,881 $ 73,000
Bucks, Pennsylvania 261 $ 52,904,000 $ 202,697 $ 109,000
Monterey, California 259 $ 61,633,000 $ 237,965 $ 112,000
Orleans, Louisiana 256 $ 42,777,000 $ 167,097 $ 82,000
Duval, Florida 251 $ 38,803,000 $ 154,593 $ 84,000
Montgomery, Maryland 249 $ 59,242,000 $ 237,919 $ 107,000
Monmouth, New Jersey 243 $ 56,480,000 $ 232,427 $ 146,000
Suffolk, Massachusetts 231 $ 52,318,000 $ 226,484 $ 118,000
San Luis Obispo, California 228 $ 51,121,000 $ 224,214 $ 91,000
Essex, New Jersey 226 $ 53,310,000 $ 235,884 $ 149,000
El Paso, Colorado 221 $ 42,563,000 $ 192,592 $ 81,000
Weld, Colorado 217 $ 38,246,000 $ 176,248 $ 72,000
Washington, Minnesota 216 $ 40,969,000 $ 189,671 $ 83,000
Lee, Florida 210 $ 32,093,000 $ 152,823 $ 93,000
Fresno, California 205 $ 34,672,000 $ 169,131 $ 95,000
Worcester, Massachusetts 203 $ 40,105,000 $ 197,561 $ 112,000
Hamilton, Ohio 198 $ 34,743,000 $ 175,469 $ 106,000
Seminole, Florida 187 $ 28,060,000 $ 150,053 $ 79,000
Passaic, New Jersey 183 $ 36,534,000 $ 199,639 $ 125,000
Cobb, Georgia 182 $ 32,705,000 $ 179,697 $ 90,000
Providence, Rhode Island 180 $ 29,305,000 $ 162,805 $ 83,000
Shasta, California 179 $ 28,816,000 $ 160,983 $ 103,000
Somerset, New Jersey 179 $ 41,327,000 $ 230,877 $ 135,000
Cleveland, Oklahoma 174 $ 22,528,000 $ 129,471 $ 72,000
Napa, California 166 $ 39,848,000 $ 240,048 $ 110,000
Ocean, New Jersey 166 $ 29,517,000 $ 177,813 $ 128,000
Greenville, South Carolina 166 $ 27,446,000 $ 165,337 $ 96,000
Franklin, Ohio 164 $ 26,502,000 $ 161,597 $ 82,000
Middlesex, Connecticut 163 $ 28,649,000 $ 175,760 $ 102,000
Williamson, Texas 161 $ 23,718,000 $ 147,316 $ 89,000
McHenry, Illinois 159 $ 29,817,000 $ 187,528 $ 100,000
Bristol, Massachusetts 159 $ 32,085,000 $ 201,792 $ 102,000
Kent, Rhode Island 159 $ 24,078,000 $ 151,433 $ 96,000
New Hanover, North Carolina 156 $ 25,003,000 $ 160,275 $ 90,000
Fulton, Georgia 155 $ 33,747,000 $ 217,722 $ 143,000
Union, New Jersey 155 $ 35,445,000 $ 228,677 $ 117,000
Washington, Arkansas 153 $ 23,310,000 $ 152,352 $ 79,000
Mercer, New Jersey 153 $ 31,037,000 $ 202,856 $ 141,000
Tolland, Connecticut 152 $ 26,262,000 $ 172,776 $ 79,000
Scott, Minnesota 152 $ 28,272,000 $ 186,000 $ 118,000
Summit, Utah 147 $ 32,883,000 $ 223,693 $ 103,000
Kenton, Kentucky 146 $ 21,207,000 $ 145,253 $ 78,000
Chester, Pennsylvania 143 $ 27,825,000 $ 194,580 $ 105,000
Lane, Oregon 137 $ 20,811,000 $ 151,905 $ 81,000
Santa Barbara, California 135 $ 32,112,000 $ 237,866 $ 89,000
Gwinnett, Georgia 129 $ 22,717,000 $ 176,100 $ 102,000
Moore, North Carolina 125 $ 21,186,000 $ 169,488 $ 107,000
Allegheny, Pennsylvania 123 $ 18,617,000 $ 151,357 $ 96,000
Pasco, Florida 121 $ 16,673,000 $ 137,793 $ 82,000
Benton, Washington 120 $ 16,184,000 $ 134,866 $ 97,000
Litchfield, Connecticut 117 $ 21,524,000 $ 183,965 $ 84,000
Delaware, Pennsylvania 117 $ 20,338,000 $ 173,829 $ 93,000
Durham, North Carolina 115 $ 17,380,000 $ 151,130 $ 81,000
St. Louis, Missouri 112 $ 18,129,000 $ 161,866 $ 112,000
Fort Bend, Texas 111 $ 18,482,000 $ 166,504 $ 97,000
Union, North Carolina 109 $ 18,893,000 $ 173,330 $ 88,000
Sarasota, Florida 108 $ 17,956,000 $ 166,259 $ 104,000
Carver, Minnesota 108 $ 21,732,000 $ 201,222 $ 88,000
Canadian, Oklahoma 107 $ 13,144,000 $ 122,841 $ 61,000
Thurston, Washington 98 $ 17,123,000 $ 174,724 $ 102,000
Orange, North Carolina 97 $ 21,576,000 $ 222,432 $ 132,000
Davidson, Tennessee 97 $ 13,174,000 $ 135,814 $ 66,000
Boone, Kentucky 96 $ 17,227,000 $ 179,447 $ 80,000
Stark, Ohio 95 $ 13,846,000 $ 145,747 $ 112,000
Spokane, Washington 93 $ 11,287,000 $ 121,365 $ 65,000
Butte, California 92 $ 16,259,000 $ 176,728 $ 78,000
Warren, Ohio 92 $ 18,509,000 $ 201,184 $ 104,000
Lorain, Ohio 90 $ 13,884,000 $ 154,266 $ 70,000
Loudoun, Virginia 89 $ 21,129,000 $ 237,404 $ 107,000
Oldham, Kentucky 86 $ 16,398,000 $ 190,674 $ 78,000
Barnstable, Massachusetts 85 $ 16,370,000 $ 192,588 $ 88,000
Medina, Ohio 85 $ 13,136,000 $ 154,541 $ 81,000
Lake, Ohio 84 $ 11,793,000 $ 140,392 $ 72,000
Deschutes, Oregon 82 $ 15,757,000 $ 192,158 $ 141,000
Whatcom, Washington 81 $ 12,920,000 $ 159,506 $ 73,000
Butler, Ohio 79 $ 12,743,000 $ 161,303 $ 78,000
Williamson, Tennessee 79 $ 16,885,000 $ 213,734 $ 108,000
Collier, Florida 77 $ 13,641,000 $ 177,155 $ 164,000
Hendricks, Indiana 77 $ 12,632,000 $ 164,051 $ 80,000
Montgomery, Ohio 77 $ 10,493,000 $ 136,272 $ 83,000
Washington, Rhode Island 76 $ 13,821,000 $ 181,855 $ 92,000
Bernalillo, New Mexico 75 $ 10,815,000 $ 144,200 $ 67,000
St. Johns, Florida 73 $ 13,745,000 $ 188,287 $ 97,000
Bexar, Texas 73 $ 12,584,000 $ 172,383 $ 132,000
Polk, Florida 72 $ 10,281,000 $ 142,791 $ 67,000
DeKalb, Georgia 72 $ 14,142,000 $ 196,416 $ 113,000
Kern, California 70 $ 10,809,000 $ 154,414 $ 88,000
Hunterdon, New Jersey 70 $ 14,913,000 $ 213,042 $ 127,000
Iredell, North Carolina 70 $ 11,876,000 $ 169,657 $ 81,000
Merced, California 69 $ 11,762,000 $ 170,463 $ 69,000
Howard, Maryland 69 $ 15,770,000 $ 228,550 $ 104,000
Charleston, South Carolina 69 $ 13,607,000 $ 197,202 $ 80,000
Chelan, Washington 68 $ 11,283,000 $ 165,926 $ 100,000
Manatee, Florida 67 $ 10,218,000 $ 152,507 $ 116,000
Johnston, North Carolina 67 $ 9,376,000 $ 139,940 $ 83,000
Marion, Oregon 66 $ 9,831,000 $ 148,954 $ 67,000
Volusia, Florida 64 $ 8,487,000 $ 132,609 $ 67,000
Richland, South Carolina 63 $ 10,477,000 $ 166,301 $ 78,000
Livingston, Michigan 61 $ 12,272,000 $ 201,180 $ 119,000
Wright, Minnesota 61 $ 10,385,000 $ 170,245 $ 98,000
Delaware, Ohio 61 $ 12,452,000 $ 204,131 $ 118,000
Brevard, Florida 60 $ 10,002,000 $ 166,700 $ 93,000
St. Charles, Louisiana 59 $ 7,799,000 $ 132,186 $ 79,000
Washtenaw, Michigan 58 $ 12,049,000 $ 207,741 $ 104,000
Cumberland, Pennsylvania 58 $ 9,619,000 $ 165,844 $ 85,000
Washington, Utah 58 $ 8,282,000 $ 142,793 $ 81,000
Prince William, Virginia 58 $ 12,997,000 $ 224,086 $ 79,000
Dane, Wisconsin 58 $ 10,859,000 $ 187,224 $ 86,000
Cabarrus, North Carolina 57 $ 8,572,000 $ 150,385 $ 87,000
Portage, Ohio 57 $ 9,096,000 $ 159,578 $ 81,000
Lexington, South Carolina 57 $ 9,299,000 $ 163,140 $ 89,000
Benton, Arkansas 56 $ 9,428,000 $ 168,357 $ 74,000
Benton, Oregon 56 $ 9,574,000 $ 170,964 $ 115,000
Butler, Pennsylvania 56 $ 9,136,000 $ 163,142 $ 114,000
New London, Connecticut 54 $ 9,106,000 $ 168,629 $ 69,000
Ada, Idaho 54 $ 8,873,000 $ 164,314 $ 93,000
Sussex, New Jersey 54 $ 11,173,000 $ 206,907 $ 97,000
Spartanburg, South Carolina 54 $ 8,536,000 $ 158,074 $ 94,000
York, South Carolina 54 $ 8,858,000 $ 164,037 $ 76,000
Lake, California 53 $ 8,997,000 $ 169,754 $ 88,000
Baltimore, Maryland 52 $ 9,972,000 $ 191,769 $ 90,000
Montgomery, Texas 51 $ 8,492,000 $ 166,509 $ 103,000
Tulare, California 50 $ 7,870,000 $ 157,400 $ 83,000
Jefferson, Alabama 49 $ 8,627,000 $ 176,061 $ 92,000
Osceola, Florida 49 $ 6,692,000 $ 136,571 $ 73,000
St. Bernard, Louisiana 49 $ 4,741,000 $ 96,755 $ 61,000
Burlington, New Jersey 49 $ 9,087,000 $ 185,448 $ 97,000
Guilford, North Carolina 49 $ 8,570,000 $ 174,897 $ 89,000
Beaufort, South Carolina 49 $ 9,644,000 $ 196,816 $ 92,000
Clermont, Ohio 47 $ 8,171,000 $ 173,851 $ 127,000
Shelby, Alabama 46 $ 8,089,000 $ 175,847 $ 103,000
Prince George's, Maryland 45 $ 8,531,000 $ 189,577 $ 107,000
Gallatin, Montana 45 $ 6,152,000 $ 136,711 $ 78,000
Philadelphia, Pennsylvania 45 $ 7,242,000 $ 160,933 $ 87,000
Lake, Florida 44 $ 6,210,000 $ 141,136 $ 58,000
Cherokee, Georgia 44 $ 7,398,000 $ 168,136 $ 93,000
Anne Arundel, Maryland 44 $ 9,293,000 $ 211,204 $ 98,000
Genesee, Michigan 44 $ 5,608,000 $ 127,454 $ 70,000
Lancaster, Nebraska 44 $ 4,544,000 $ 103,272 $ 76,000
Geauga, Ohio 44 $ 8,482,000 $ 192,772 $ 96,000
Westmoreland, Pennsylvania 44 $ 6,379,000 $ 144,977 $ 107,000
Johnson, Indiana 43 $ 6,587,000 $ 153,186 $ 94,000
Arlington, Virginia 43 $ 12,655,000 $ 294,302 $ 114,000
Tuolumne, California 42 $ 6,691,000 $ 159,309 $ 93,000
Sedgwick, Kansas 42 $ 5,659,000 $ 134,738 $ 83,000
Boone, Indiana 41 $ 7,511,000 $ 183,195 $ 119,000
Brazoria, Texas 41 $ 6,211,000 $ 151,487 $ 86,000
Summit, Colorado 40 $ 8,472,000 $ 211,800 $ 163,000
Nueces, Texas 40 $ 4,907,000 $ 122,675 $ 79,000
Tooele, Utah 40 $ 5,440,000 $ 136,000 $ 59,000
Martin, Florida 39 $ 5,871,000 $ 150,538 $ 85,000
Josephine, Oregon 39 $ 5,625,000 $ 144,230 $ 51,000
Clay, Florida 38 $ 5,618,000 $ 147,842 $ 97,000
Bullitt, Kentucky 38 $ 5,225,000 $ 137,500 $ 80,000
Terrebonne, Louisiana 38 $ 5,371,000 $ 141,342 $ 101,000
Yamhill, Oregon 37 $ 5,886,000 $ 159,081 $ 72,000
Skagit, Washington 37 $ 6,790,000 $ 183,513 $ 100,000
Yavapai, Arizona 36 $ 6,135,000 $ 170,416 $ 101,000
Alachua, Florida 36 $ 5,440,000 $ 151,111 $ 106,000
Forsyth, Georgia 36 $ 8,132,000 $ 225,888 $ 113,000
Minnehaha, South Dakota 35 $ 4,530,000 $ 129,428 $ 62,000
Cache, Utah 35 $ 4,674,000 $ 133,542 $ 64,000
Hancock, Indiana 34 $ 4,722,000 $ 138,882 $ 72,000
Hudson, New Jersey 34 $ 6,789,000 $ 199,676 $ 110,000
Hays, Texas 34 $ 5,409,000 $ 159,088 $ 83,000
Pinal, Arizona 33 $ 5,504,000 $ 166,787 $ 75,000
Sherburne, Minnesota 33 $ 5,343,000 $ 161,909 $ 66,000
St. Charles, Missouri 33 $ 5,027,000 $ 152,333 $ 71,000
Dauphin, Pennsylvania 33 $ 4,201,000 $ 127,303 $ 69,000
Sumner, Tennessee 33 $ 5,499,000 $ 166,636 $ 89,000
Rockwall, Texas 33 $ 5,491,000 $ 166,393 $ 103,000
Frederick, Maryland 32 $ 6,769,000 $ 211,531 $ 100,000
Wagoner, Oklahoma 32 $ 3,909,000 $ 122,156 $ 66,000
Bristol, Rhode Island 32 $ 6,235,000 $ 194,843 $ 118,000
Warren, New Jersey 31 $ 6,001,000 $ 193,580 $ 115,000
Milwaukee, Wisconsin 31 $ 3,591,000 $ 115,838 $ 54,000
Hamilton, Tennessee 30 $ 4,126,000 $ 137,533 $ 73,000
Box Elder, Utah 30 $ 3,818,000 $ 127,266 $ 61,000
Yellowstone, Montana 29 $ 2,999,000 $ 103,413 $ 64,000
Jackson, Oregon 29 $ 4,478,000 $ 154,413 $ 70,000
Coconino, Arizona 28 $ 5,589,000 $ 199,607 $ 139,000
Kendall, Illinois 28 $ 4,515,000 $ 161,250 $ 80,000
Catawba, North Carolina 28 $ 5,066,000 $ 180,928 $ 76,000
Wilson, Tennessee 28 $ 3,590,000 $ 128,214 $ 65,000
Elbert, Colorado 27 $ 6,052,000 $ 224,148 $ 89,000
Fayette, Kentucky 27 $ 4,593,000 $ 170,111 $ 153,000
Jefferson, Missouri 27 $ 3,480,000 $ 128,888 $ 57,000
Chatham, North Carolina 27 $ 5,124,000 $ 189,777 $ 95,000
York, Pennsylvania 27 $ 4,061,000 $ 150,407 $ 70,000
Greene, Ohio 26 $ 4,308,000 $ 165,692 $ 97,000
Berkeley, South Carolina 26 $ 3,537,000 $ 136,038 $ 86,000
Sutter, California 25 $ 4,470,000 $ 178,800 $ 71,000
Monroe, Florida 25 $ 5,936,000 $ 237,440 $ 143,000
Campbell, Kentucky 25 $ 3,514,000 $ 140,560 $ 68,000
Nantucket, Massachusetts 25 $ 7,497,000 $ 299,880 $ 126,000
Forsyth, North Carolina 25 $ 4,819,000 $ 192,760 $ 97,000
Alexandria, Virginia 25 $ 5,285,000 $ 211,400 $ 121,000
Island, Washington 25 $ 5,035,000 $ 201,400 $ 111,000
Sandoval, New Mexico 24 $ 3,355,000 $ 139,791 $ 47,000
Yuba, California 23 $ 2,879,000 $ 125,173 $ 64,000
Marion, Florida 23 $ 2,438,000 $ 106,000 $ 63,000
East Baton Rouge, Louisiana 23 $ 3,487,000 $ 151,608 $ 105,000
Ouachita, Louisiana 23 $ 3,621,000 $ 157,434 $ 95,000
Gaston, North Carolina 23 $ 3,136,000 $ 136,347 $ 83,000
Ellis, Texas 23 $ 4,309,000 $ 187,347 $ 89,000
Galveston, Texas 23 $ 3,368,000 $ 146,434 $ 93,000
Linn, Oregon 22 $ 2,925,000 $ 132,954 $ 57,000
Kane, Utah 22 $ 2,344,000 $ 106,545 $ 62,000
Clayton, Georgia 21 $ 3,248,000 $ 154,666 $ 82,000
Hampden, Massachusetts 21 $ 3,504,000 $ 166,857 $ 80,000
Newport, Rhode Island 21 $ 4,280,000 $ 203,809 $ 98,000
Horry, South Carolina 21 $ 2,817,000 $ 134,142 $ 84,000
Pickens, South Carolina 21 $ 2,908,000 $ 138,476 $ 91,000
St. Lucie, Florida 20 $ 2,287,000 $ 114,350 $ 67,000
Camden, New Jersey 20 $ 3,455,000 $ 172,750 $ 107,000
Brunswick, North Carolina 20 $ 3,413,000 $ 170,650 $ 119,000
Buncombe, North Carolina 20 $ 3,022,000 $ 151,100 $ 74,000
Cumberland, North Carolina 20 $ 3,306,000 $ 165,300 $ 99,000
Lincoln, North Carolina 20 $ 3,388,000 $ 169,400 $ 87,000
Knox, Tennessee 20 $ 2,865,000 $ 143,250 $ 62,000
Waukesha, Wisconsin 20 $ 3,208,000 $ 160,400 $ 84,000
Charlotte, Florida 19 $ 2,820,000 $ 148,421 $ 65,000
Okaloosa, Florida 19 $ 3,212,000 $ 169,052 $ 118,000
Lake, Indiana 19 $ 3,100,000 $ 163,157 $ 96,000
Harford, Maryland 19 $ 3,123,000 $ 164,368 $ 92,000
Kent, Michigan 19 $ 3,171,000 $ 166,894 $ 78,000
Chisago, Minnesota 19 $ 3,497,000 $ 184,052 $ 67,000
Park, Colorado 18 $ 3,452,000 $ 191,777 $ 69,000
New Castle, Delaware 18 $ 3,194,000 $ 177,444 $ 116,000
Clark, Indiana 18 $ 2,502,000 $ 139,000 $ 78,000
Floyd, Indiana 18 $ 2,438,000 $ 135,444 $ 73,000
St. John the Baptist, Louisiana 18 $ 2,330,000 $ 129,444 $ 75,000
St. Louis City, Missouri 18 $ 2,252,000 $ 125,111 $ 81,000
Rutherford, Tennessee 18 $ 2,346,000 $ 130,333 $ 59,000
Wasatch, Utah 18 $ 3,383,000 $ 187,944 $ 76,000
Franklin, Washington 18 $ 2,136,000 $ 118,666 $ 68,000
Mohave, Arizona 17 $ 2,320,000 $ 136,470 $ 100,000
Inyo, California 17 $ 2,736,000 $ 160,941 $ 82,000
Windham, Connecticut 17 $ 2,652,000 $ 156,000 $ 81,000
Clatsop, Oregon 17 $ 2,472,000 $ 145,411 $ 76,000
Polk, Oregon 17 $ 2,066,000 $ 121,529 $ 67,000
Berks, Pennsylvania 17 $ 2,315,000 $ 136,176 $ 87,000
Northampton, Pennsylvania 17 $ 2,632,000 $ 154,823 $ 94,000
Yakima, Washington 17 $ 2,572,000 $ 151,294 $ 66,000
Limestone, Alabama 16 $ 2,133,000 $ 133,312 $ 81,000
Leon, Florida 16 $ 2,839,000 $ 177,437 $ 96,000
Henry, Georgia 16 $ 2,558,000 $ 159,875 $ 100,000
Logan, Oklahoma 16 $ 1,931,000 $ 120,687 $ 72,000
Smith, Texas 16 $ 2,803,000 $ 175,187 $ 164,000
Trinity, California 15 $ 2,020,000 $ 134,666 $ 61,000
Honolulu, Hawaii 15 $ 3,569,000 $ 237,933 $ 77,000
Crow Wing, Minnesota 15 $ 2,335,000 $ 155,666 $ 109,000
Lucas, Ohio 15 $ 2,199,000 $ 146,600 $ 81,000
Perry, Pennsylvania 15 $ 1,583,000 $ 105,533 $ 53,000
Oconee, South Carolina 15 $ 2,993,000 $ 199,533 $ 74,000
Chesterfield, Virginia 15 $ 2,670,000 $ 178,000 $ 84,000
Hanover, Virginia 15 $ 2,706,000 $ 180,400 $ 82,000
Grand, Colorado 14 $ 2,255,000 $ 161,071 $ 105,000
Pueblo, Colorado 14 $ 1,836,000 $ 131,142 $ 102,000
Bay, Florida 14 $ 2,572,000 $ 183,714 $ 80,000
Fayette, Georgia 14 $ 2,836,000 $ 202,571 $ 143,000
Morgan, Indiana 14 $ 1,663,000 $ 118,785 $ 73,000
Lafayette, Louisiana 14 $ 2,144,000 $ 153,142 $ 95,000
Santa Fe, New Mexico 14 $ 2,663,000 $ 190,214 $ 85,000
Rogers, Oklahoma 14 $ 1,566,000 $ 111,857 $ 70,000
Tillamook, Oregon 14 $ 1,972,000 $ 140,857 $ 131,000
Beaver, Pennsylvania 14 $ 1,822,000 $ 130,142 $ 70,000
Lancaster, Pennsylvania 14 $ 2,263,000 $ 161,642 $ 97,000
Lehigh, Pennsylvania 14 $ 1,953,000 $ 139,500 $ 93,000
Chittenden, Vermont 14 $ 2,207,000 $ 157,642 $ 83,000
Eagle, Colorado 13 $ 3,389,000 $ 260,692 $ 149,000
Hernando, Florida 13 $ 1,923,000 $ 147,923 $ 75,000
Lyon, Nevada 13 $ 1,912,000 $ 147,076 $ 63,000
Grady, Oklahoma 13 $ 1,580,000 $ 121,538 $ 62,000
Washington, Pennsylvania 13 $ 1,796,000 $ 138,153 $ 61,000
Dorchester, South Carolina 13 $ 1,759,000 $ 135,307 $ 62,000
Shelby, Tennessee 13 $ 2,661,000 $ 204,692 $ 131,000
Johnson, Texas 13 $ 1,793,000 $ 137,923 $ 75,000
Morgan, Utah 13 $ 2,018,000 $ 155,230 $ 57,000
Clear Creek, Colorado 12 $ 2,633,000 $ 219,416 $ 103,000
Nassau, Florida 12 $ 1,555,000 $ 129,583 $ 97,000
Coweta, Georgia 12 $ 1,901,000 $ 158,416 $ 83,000
White, Indiana 12 $ 1,628,000 $ 135,666 $ 83,000
Carteret, North Carolina 12 $ 2,614,000 $ 217,833 $ 138,000
Miami, Ohio 12 $ 1,815,000 $ 151,250 $ 77,000
McClain, Oklahoma 12 $ 1,501,000 $ 125,083 $ 64,000
Clearfield, Pennsylvania 12 $ 1,014,000 $ 84,500 $ 70,000
El Paso, Texas 12 $ 1,715,000 $ 142,916 $ 76,000
Navajo, Arizona 11 $ 1,591,000 $ 144,636 $ 145,000
Gilpin, Colorado 11 $ 1,965,000 $ 178,636 $ 73,000
Chatham, Georgia 11 $ 2,139,000 $ 194,454 $ 123,000
Cumberland, Maine 11 $ 1,899,000 $ 172,636 $ 100,000
Ingham, Michigan 11 $ 1,655,000 $ 150,454 $ 82,000
Lapeer, Michigan 11 $ 1,795,000 $ 163,181 $ 83,000
Jackson, Missouri 11 $ 1,286,000 $ 116,909 $ 76,000
Union, Ohio 11 $ 2,402,000 $ 218,363 $ 127,000
Anderson, South Carolina 11 $ 1,843,000 $ 167,545 $ 89,000
Roane, Tennessee 11 $ 1,481,000 $ 134,636 $ 54,000
Kaufman, Texas 11 $ 1,714,000 $ 155,818 $ 91,000
Virginia Beach, Virginia 11 $ 1,970,000 $ 179,090 $ 87,000
Washington, Wisconsin 11 $ 1,707,000 $ 155,181 $ 63,000
Allen, Indiana 10 $ 1,671,000 $ 167,100 $ 99,000
Madison, Indiana 10 $ 1,136,000 $ 113,600 $ 72,000
Carroll, Maryland 10 $ 1,987,000 $ 198,700 $ 75,000
Stearns, Minnesota 10 $ 1,323,000 $ 132,300 $ 81,000
Alexander, North Carolina 10 $ 1,275,000 $ 127,500 $ 62,000
Harnett, North Carolina 10 $ 1,536,000 $ 153,600 $ 64,000
Licking, Ohio 10 $ 1,876,000 $ 187,600 $ 74,000
Mahoning, Ohio 10 $ 1,284,000 $ 128,400 $ 75,000
Fauquier, Virginia 10 $ 1,935,000 $ 193,500 $ 92,000
Marshall, Alabama 9 $ 794,000 $ 88,222 $ 74,000
Mono, California 9 $ 1,752,000 $ 194,666 $ 182,000
Monroe, Indiana 9 $ 1,133,000 $ 125,888 $ 80,000
Shelby, Kentucky 9 $ 1,383,000 $ 153,666 $ 70,000
Ascension, Louisiana 9 $ 1,560,000 $ 173,333 $ 103,000
Plaquemines, Louisiana 9 $ 1,318,000 $ 146,444 $ 91,000
Tangipahoa, Louisiana 9 $ 1,189,000 $ 132,111 $ 146,000
St. Clair, Michigan 9 $ 1,456,000 $ 161,777 $ 85,000
Isanti, Minnesota 9 $ 1,250,000 $ 138,888 $ 60,000
Cape May, New Jersey 9 $ 1,911,000 $ 212,333 $ 130,000
Alamance, North Carolina 9 $ 1,259,000 $ 139,888 $ 73,000
Granville, North Carolina 9 $ 1,037,000 $ 115,222 $ 52,000
Wayne, Ohio 9 $ 1,434,000 $ 159,333 $ 83,000
Creek, Oklahoma 9 $ 1,791,000 $ 199,000 $ 98,000
Lincoln, Oregon 9 $ 1,166,000 $ 129,555 $ 99,000
Lackawanna, Pennsylvania 9 $ 960,000 $ 106,666 $ 64,000
Aiken, South Carolina 9 $ 1,439,000 $ 159,888 $ 91,000
Webb, Texas 9 $ 1,402,000 $ 155,777 $ 90,000
Cowlitz, Washington 9 $ 1,165,000 $ 129,444 $ 86,000
Glenn, California 8 $ 1,067,000 $ 133,375 $ 60,000
Routt, Colorado 8 $ 1,894,000 $ 236,750 $ 103,000
Newton, Georgia 8 $ 1,173,000 $ 146,625 $ 81,000
Madison, Illinois 8 $ 1,308,000 $ 163,500 $ 69,000
Butler, Kansas 8 $ 892,000 $ 111,500 $ 94,000
Dukes, Massachusetts 8 $ 2,005,000 $ 250,625 $ 284,000
St. Louis, Minnesota 8 $ 786,000 $ 98,250 $ 51,000
Missoula, Montana 8 $ 1,075,000 $ 134,375 $ 42,000
Pender, North Carolina 8 $ 1,011,000 $ 126,375 $ 77,000
Columbia, Oregon 8 $ 981,000 $ 122,625 $ 52,000
Bastrop, Texas 8 $ 888,000 $ 111,000 $ 72,000
Comal, Texas 8 $ 1,494,000 $ 186,750 $ 210,000
Albemarle, Virginia 8 $ 1,781,000 $ 222,625 $ 104,000
Mason, Washington 8 $ 1,222,000 $ 152,750 $ 96,000
Morgan, Alabama 7 $ 917,000 $ 131,000 $ 100,000
Cochise, Arizona 7 $ 920,000 $ 131,428 $ 72,000
Gila, Arizona 7 $ 1,290,000 $ 184,285 $ 128,000
Siskiyou, California 7 $ 857,000 $ 122,428 $ 71,000
La Plata, Colorado 7 $ 1,248,000 $ 178,285 $ 79,000
Mesa, Colorado 7 $ 1,021,000 $ 145,857 $ 54,000
Teller, Colorado 7 $ 1,121,000 $ 160,142 $ 65,000
Escambia, Florida 7 $ 654,000 $ 93,428 $ 68,000
Sumter, Florida 7 $ 959,000 $ 137,000 $ 66,000
Walton, Florida 7 $ 1,384,000 $ 197,714 $ 162,000
Oconee, Georgia 7 $ 1,381,000 $ 197,285 $ 99,000
Walton, Georgia 7 $ 1,149,000 $ 164,142 $ 65,000
LaSalle, Illinois 7 $ 1,091,000 $ 155,857 $ 114,000
St. Joseph, Indiana 7 $ 1,169,000 $ 167,000 $ 110,000
Johnson, Kansas 7 $ 799,000 $ 114,142 $ 80,000
Spencer, Kentucky 7 $ 1,264,000 $ 180,571 $ 99,000
Hampshire, Massachusetts 7 $ 1,275,000 $ 182,142 $ 113,000
McLeod, Minnesota 7 $ 1,108,000 $ 158,285 $ 55,000
Atlantic, New Jersey 7 $ 873,000 $ 124,714 $ 75,000
Henderson, North Carolina 7 $ 815,000 $ 116,428 $ 41,000
Cass, North Dakota 7 $ 901,000 $ 128,714 $ 82,000
Erie, Ohio 7 $ 1,064,000 $ 152,000 $ 87,000
Grayson, Texas 7 $ 954,000 $ 136,285 $ 88,000
Parker, Texas 7 $ 1,221,000 $ 174,428 $ 125,000
Chesapeake, Virginia 7 $ 1,097,000 $ 156,714 $ 83,000
Henrico, Virginia 7 $ 1,625,000 $ 232,142 $ 73,000
Stafford, Virginia 7 $ 1,651,000 $ 235,857 $ 101,000
Grays Harbor, Washington 7 $ 772,000 $ 110,285 $ 98,000
San Juan, Washington 7 $ 1,219,000 $ 174,142 $ 193,000
Chaffee, Colorado 6 $ 1,177,000 $ 196,166 $ 88,000
Citrus, Florida 6 $ 875,000 $ 145,833 $ 122,000
Flagler, Florida 6 $ 1,325,000 $ 220,833 $ 131,000
Indian River, Florida 6 $ 1,052,000 $ 175,333 $ 102,000
Barrow, Georgia 6 $ 804,000 $ 134,000 $ 75,000
Clarke, Georgia 6 $ 856,000 $ 142,666 $ 107,000
Paulding, Georgia 6 $ 1,075,000 $ 179,166 $ 66,000
Hawaii, Hawaii 6 $ 1,699,000 $ 283,166 $ 93,000
Winnebago, Illinois 6 $ 842,000 $ 140,333 $ 71,000
Dearborn, Indiana 6 $ 932,000 $ 155,333 $ 73,000
Porter, Indiana 6 $ 727,000 $ 121,166 $ 108,000
Tippecanoe, Indiana 6 $ 874,000 $ 145,666 $ 56,000
Scott, Kentucky 6 $ 1,021,000 $ 170,166 $ 114,000
Warren, Kentucky 6 $ 786,000 $ 131,000 $ 56,000
Calvert, Maryland 6 $ 1,211,000 $ 201,833 $ 110,000
Charles, Maryland 6 $ 974,000 $ 162,333 $ 86,000
Kalamazoo, Michigan 6 $ 1,137,000 $ 189,500 $ 83,000
Monroe, Michigan 6 $ 971,000 $ 161,833 $ 64,000
Goodhue, Minnesota 6 $ 848,000 $ 141,333 $ 86,000
Olmsted, Minnesota 6 $ 995,000 $ 165,833 $ 81,000
Flathead, Montana 6 $ 954,000 $ 159,000 $ 74,000
Gloucester, New Jersey 6 $ 1,204,000 $ 200,666 $ 132,000
Lee, North Carolina 6 $ 608,000 $ 101,333 $ 95,000
Pitt, North Carolina 6 $ 1,051,000 $ 175,166 $ 83,000
Clark, Ohio 6 $ 851,000 $ 141,833 $ 68,000
Comanche, Oklahoma 6 $ 411,000 $ 68,500 $ 44,000
Lebanon, Pennsylvania 6 $ 861,000 $ 143,500 $ 73,000
Georgetown, South Carolina 6 $ 882,000 $ 147,000 $ 93,000
Lincoln, South Dakota 6 $ 800,000 $ 133,333 $ 61,000
Blount, Tennessee 6 $ 1,058,000 $ 176,333 $ 69,000
Robertson, Tennessee 6 $ 769,000 $ 128,166 $ 76,000
Sevier, Tennessee 6 $ 790,000 $ 131,666 $ 51,000
Henderson, Texas 6 $ 606,000 $ 101,000 $ 77,000
Lubbock, Texas 6 $ 810,000 $ 135,000 $ 105,000
Carbon, Utah 6 $ 769,000 $ 128,166 $ 61,000
Iron, Utah 6 $ 722,000 $ 120,333 $ 50,000
Uintah, Utah 6 $ 839,000 $ 139,833 $ 92,000
Fairfax City, Virginia 6 $ 1,047,000 $ 174,500 $ 68,000
Kittitas, Washington 6 $ 1,103,000 $ 183,833 $ 198,000
Baldwin, Alabama 5 $ 733,000 $ 146,600 $ 61,000
Santa Rosa, Florida 5 $ 565,000 $ 113,000 $ 55,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates 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) 101,767 $20,702,042,000 $170,782 $999,000 $92,608 $999,000
Home Purchase (one-to-four family) 8,236 $1,716,423,000 $181,282 $995,000 $90,589 $999,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $0 $0
Home Improvement (one-to-four family) 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 77,420 $15,364,630,000 $171,695 $999,000 $94,500 $999,000
Asian or Pacific Islander 16,542 $3,763,934,000 $187,594 $830,000 $91,000 $999,000
Information not provided by applicant in mail or telephone application 8,608 $1,815,335,000 $169,581 $980,000 $93,604 $999,000
Hispanic 4,389 $846,400,000 $159,857 $650,000 $81,542 $999,000
Other 1,433 $318,555,000 $189,117 $650,000 $100,941 $999,000
Black 1,331 $252,797,000 $164,281 $650,000 $83,093 $999,000
American Indian or Alaskan Native 264 $53,886,000 $177,307 $650,000 $92,769 $912,000
Not applicable 16 $2,928,000 $171,500 $385,000 $79,375 $213,000

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) 110,003 $22,418,465,000 $171,543 $999,000 $93,000 $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 93,752 $18,892,019,000 $169,065 $999,000 $95,260 $999,000
Application Withdrawn By Applicant 14,796 $3,198,780,000 $179,444 $930,000 $89,800 $999,000
Application Denied By Financial Institution 1,455 $327,666,000 $193,000 $650,000 $84,615 $999,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The 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
Collateral 537 $112,722,000 $192,937 $650,000 $92,156 $999,000
Other 377 $80,091,000 $193,906 $650,000 $95,093 $999,000
Debt-To-Income Ratio 361 $93,561,000 $238,909 $650,000 $78,393 $999,000
Credit History 94 $21,366,000 $196,272 $650,000 $88,727 $382,000
Employment History 38 $9,978,000 $194,266 $650,000 $81,333 $264,000
Unverifiable Information 35 $7,134,000 $185,533 $610,000 $85,533 $240,000
Credit Application Incomplete 6 $969,000 $147,333 $290,000 $45,000 $81,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,601,000 $283,750 $400,000 $96,250 $167,000
Mortgage Insurance Denied 1 $244,000 $244,000 $244,000 $147,000 $147,000

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