Provident Funding Associates Mortgage Lending & HMDA Data, 2007

In 2007, Provident Funding Associates of Santa Rosa, CA reported 105,834 mortgage applications totaling $24.6 billion, up 72% from 2006. The average application was for $232,006, and applicants reported an average income of $82,674. 69% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (6,856), Chicago-Naperville-Joliet, IL (4,200) and Minneapolis-St. Paul-Bloomington, MN-WI (2,794) (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 105,834
Total Mortgage Loan Application Amount $24,554,166,000
Average Mortgage Loan Application Amount $232,006
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $82,674
Highest Applicant Income $7,200,000

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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 6,539 $ 1,567,759,000 $ 239,755 $ 92,000
Salt Lake, Utah 2,452 $ 543,863,000 $ 221,803 $ 85,000
Cook, Illinois 2,333 $ 575,434,000 $ 246,649 $ 89,000
King, Washington 2,020 $ 611,608,000 $ 302,776 $ 95,000
Los Angeles, California 2,003 $ 646,389,000 $ 322,710 $ 102,000
Clark, Nevada 1,394 $ 337,250,000 $ 241,929 $ 83,000
San Diego, California 1,389 $ 438,225,000 $ 315,496 $ 113,000
Utah, Utah 1,318 $ 280,191,000 $ 212,588 $ 81,000
Sacramento, California 1,157 $ 310,922,000 $ 268,731 $ 99,000
Hennepin, Minnesota 1,046 $ 240,742,000 $ 230,154 $ 98,000
Orange, California 1,041 $ 360,236,000 $ 346,048 $ 122,000
Riverside, California 1,040 $ 297,742,000 $ 286,290 $ 106,000
Davis, Utah 968 $ 205,871,000 $ 212,676 $ 83,000
Hartford, Connecticut 940 $ 184,128,000 $ 195,880 $ 79,000
Santa Clara, California 937 $ 354,442,000 $ 378,273 $ 137,000
Middlesex, Massachusetts 922 $ 272,305,000 $ 295,341 $ 101,000
Alameda, California 865 $ 305,508,000 $ 353,188 $ 117,000
San Bernardino, California 811 $ 217,560,000 $ 268,261 $ 99,000
DuPage, Illinois 799 $ 195,960,000 $ 245,256 $ 105,000
Oakland, Michigan 791 $ 190,226,000 $ 240,487 $ 110,000
New Haven, Connecticut 777 $ 161,829,000 $ 208,274 $ 81,000
Lake, Illinois 735 $ 195,269,000 $ 265,672 $ 107,000
Pima, Arizona 716 $ 145,927,000 $ 203,808 $ 97,000
Broward, Florida 712 $ 166,446,000 $ 233,772 $ 101,000
Multnomah, Oregon 676 $ 157,848,000 $ 233,502 $ 93,000
Contra Costa, California 675 $ 222,158,000 $ 329,122 $ 107,000
Snohomish, Washington 631 $ 175,047,000 $ 277,412 $ 86,000
Fairfield, Connecticut 621 $ 174,404,000 $ 280,843 $ 113,000
Washington, Oregon 620 $ 155,492,000 $ 250,793 $ 99,000
Collin, Texas 597 $ 117,868,000 $ 197,433 $ 111,000
Hillsborough, Florida 576 $ 120,478,000 $ 209,163 $ 98,000
Duval, Florida 575 $ 110,400,000 $ 192,000 $ 102,000
Denver, Colorado 561 $ 121,265,000 $ 216,158 $ 73,000
Palm Beach, Florida 549 $ 139,098,000 $ 253,366 $ 126,000
Jefferson, Colorado 540 $ 123,804,000 $ 229,266 $ 83,000
Orange, Florida 497 $ 111,439,000 $ 224,223 $ 91,000
Sonoma, California 488 $ 152,724,000 $ 312,959 $ 104,000
Douglas, Colorado 488 $ 123,323,000 $ 252,711 $ 96,000
Montgomery, Maryland 486 $ 155,666,000 $ 320,300 $ 116,000
Norfolk, Massachusetts 485 $ 143,928,000 $ 296,758 $ 102,000
Pierce, Washington 482 $ 114,460,000 $ 237,468 $ 88,000
Arapahoe, Colorado 478 $ 101,520,000 $ 212,384 $ 80,000
Solano, California 468 $ 138,051,000 $ 294,980 $ 103,000
Clackamas, Oregon 461 $ 118,946,000 $ 258,017 $ 101,000
Harris, Texas 457 $ 81,834,000 $ 179,067 $ 103,000
Dallas, Texas 448 $ 92,240,000 $ 205,892 $ 113,000
Mecklenburg, North Carolina 436 $ 90,036,000 $ 206,504 $ 107,000
Placer, California 434 $ 134,441,000 $ 309,771 $ 113,000
Wake, North Carolina 434 $ 94,888,000 $ 218,635 $ 99,000
Weber, Utah 426 $ 75,643,000 $ 177,565 $ 74,000
Fulton, Georgia 425 $ 101,677,000 $ 239,240 $ 109,000
Gwinnett, Georgia 425 $ 82,264,000 $ 193,562 $ 91,000
Dakota, Minnesota 424 $ 92,559,000 $ 218,299 $ 92,000
Jefferson, Kentucky 421 $ 77,173,000 $ 183,308 $ 94,000
Miami-Dade, Florida 415 $ 97,584,000 $ 235,142 $ 111,000
Will, Illinois 404 $ 95,039,000 $ 235,245 $ 95,000
Pinellas, Florida 397 $ 78,294,000 $ 197,214 $ 94,000
Fairfax, Virginia 393 $ 124,883,000 $ 317,768 $ 116,000
Wayne, Michigan 391 $ 83,659,000 $ 213,961 $ 92,000
St. Louis, Missouri 389 $ 67,159,000 $ 172,645 $ 83,000
Essex, Massachusetts 385 $ 105,220,000 $ 273,298 $ 95,000
Philadelphia, Pennsylvania 381 $ 62,806,000 $ 164,845 $ 76,000
Plymouth, Massachusetts 372 $ 97,908,000 $ 263,193 $ 98,000
Oklahoma, Oklahoma 361 $ 59,642,000 $ 165,213 $ 101,000
Boulder, Colorado 352 $ 96,688,000 $ 274,681 $ 94,000
San Joaquin, California 345 $ 95,778,000 $ 277,617 $ 92,000
Ramsey, Minnesota 344 $ 72,906,000 $ 211,936 $ 87,000
Worcester, Massachusetts 343 $ 84,544,000 $ 246,483 $ 88,000
Cobb, Georgia 339 $ 70,025,000 $ 206,563 $ 104,000
Ventura, California 334 $ 111,064,000 $ 332,526 $ 125,000
Pinal, Arizona 317 $ 64,796,000 $ 204,403 $ 78,000
Kane, Illinois 314 $ 74,463,000 $ 237,143 $ 95,000
Montgomery, Pennsylvania 305 $ 72,620,000 $ 238,098 $ 109,000
Clark, Washington 302 $ 70,600,000 $ 233,774 $ 91,000
San Mateo, California 299 $ 113,654,000 $ 380,113 $ 134,000
Marion, Indiana 293 $ 45,167,000 $ 154,153 $ 85,000
Larimer, Colorado 287 $ 57,549,000 $ 200,519 $ 73,000
Hamilton, Indiana 285 $ 66,443,000 $ 233,133 $ 115,000
Suffolk, Massachusetts 278 $ 80,093,000 $ 288,104 $ 88,000
DeKalb, Georgia 276 $ 53,689,000 $ 194,525 $ 99,000
El Dorado, California 274 $ 78,129,000 $ 285,142 $ 124,000
Denton, Texas 269 $ 54,578,000 $ 202,892 $ 113,000
Bristol, Massachusetts 266 $ 69,130,000 $ 259,887 $ 86,000
Adams, Colorado 254 $ 48,407,000 $ 190,578 $ 70,000
Anoka, Minnesota 254 $ 53,466,000 $ 210,496 $ 91,000
Lee, Florida 253 $ 57,222,000 $ 226,173 $ 132,000
Tulsa, Oklahoma 253 $ 37,874,000 $ 149,699 $ 99,000
Seminole, Florida 249 $ 55,810,000 $ 224,136 $ 101,000
Washoe, Nevada 247 $ 63,085,000 $ 255,404 $ 114,000
Bucks, Pennsylvania 245 $ 56,800,000 $ 231,836 $ 103,000
Ocean, New Jersey 242 $ 55,446,000 $ 229,115 $ 107,000
Travis, Texas 240 $ 51,396,000 $ 214,150 $ 133,000
Middlesex, New Jersey 238 $ 63,860,000 $ 268,319 $ 105,000
Allegheny, Pennsylvania 233 $ 34,688,000 $ 148,875 $ 89,000
Fresno, California 231 $ 51,807,000 $ 224,272 $ 98,000
Volusia, Florida 230 $ 42,064,000 $ 182,886 $ 93,000
McHenry, Illinois 229 $ 49,981,000 $ 218,257 $ 98,000
Stanislaus, California 228 $ 57,912,000 $ 254,000 $ 103,000
Monmouth, New Jersey 225 $ 66,211,000 $ 294,271 $ 113,000
Washington, Minnesota 224 $ 52,586,000 $ 234,758 $ 96,000
Tarrant, Texas 223 $ 39,238,000 $ 175,955 $ 114,000
St. Charles, Missouri 207 $ 37,668,000 $ 181,971 $ 80,000
Delaware, Pennsylvania 207 $ 40,056,000 $ 193,507 $ 96,000
Washington, Utah 207 $ 48,418,000 $ 233,903 $ 121,000
Middlesex, Connecticut 206 $ 44,410,000 $ 215,582 $ 100,000
Barnstable, Massachusetts 205 $ 55,578,000 $ 271,112 $ 106,000
Cuyahoga, Ohio 205 $ 38,484,000 $ 187,726 $ 101,000
Deschutes, Oregon 205 $ 52,393,000 $ 255,575 $ 107,000
Washtenaw, Michigan 195 $ 44,067,000 $ 225,984 $ 107,000
Pasco, Florida 194 $ 37,300,000 $ 192,268 $ 92,000
Polk, Florida 191 $ 35,721,000 $ 187,020 $ 95,000
East Baton Rouge, Louisiana 191 $ 35,854,000 $ 187,717 $ 105,000
Fort Bend, Texas 191 $ 34,771,000 $ 182,047 $ 103,000
New Hanover, North Carolina 190 $ 43,425,000 $ 228,552 $ 104,000
St. Johns, Florida 186 $ 46,157,000 $ 248,155 $ 131,000
Davidson, Tennessee 186 $ 33,352,000 $ 179,311 $ 89,000
Macomb, Michigan 183 $ 31,940,000 $ 174,535 $ 72,000
Tolland, Connecticut 181 $ 39,358,000 $ 217,447 $ 82,000
El Paso, Colorado 175 $ 39,094,000 $ 223,394 $ 90,000
Hamilton, Ohio 172 $ 31,822,000 $ 185,011 $ 105,000
Prince George's, Maryland 171 $ 45,134,000 $ 263,941 $ 88,000
Yavapai, Arizona 169 $ 39,276,000 $ 232,402 $ 84,000
New London, Connecticut 165 $ 32,086,000 $ 194,460 $ 79,000
Scott, Minnesota 165 $ 41,711,000 $ 252,793 $ 104,000
Bergen, New Jersey 164 $ 52,956,000 $ 322,902 $ 143,000
Litchfield, Connecticut 162 $ 34,178,000 $ 210,975 $ 81,000
Baltimore, Maryland 162 $ 38,391,000 $ 236,981 $ 95,000
Franklin, Ohio 157 $ 27,984,000 $ 178,242 $ 99,000
Lane, Oregon 155 $ 32,710,000 $ 211,032 $ 84,000
Coconino, Arizona 150 $ 38,566,000 $ 257,106 $ 120,000
Chester, Pennsylvania 149 $ 37,743,000 $ 253,308 $ 102,000
Marion, Oregon 146 $ 28,449,000 $ 194,856 $ 78,000
Morris, New Jersey 138 $ 42,287,000 $ 306,427 $ 121,000
Thurston, Washington 138 $ 32,443,000 $ 235,094 $ 86,000
Sarasota, Florida 137 $ 28,972,000 $ 211,474 $ 117,000
Summit, Ohio 136 $ 21,393,000 $ 157,301 $ 77,000
Cleveland, Oklahoma 136 $ 20,869,000 $ 153,448 $ 83,000
San Francisco, California 133 $ 51,804,000 $ 389,503 $ 131,000
Howard, Maryland 131 $ 42,491,000 $ 324,358 $ 123,000
Kern, California 130 $ 28,071,000 $ 215,930 $ 85,000
Cherokee, Georgia 130 $ 26,315,000 $ 202,423 $ 87,000
Tooele, Utah 128 $ 22,776,000 $ 177,937 $ 72,000
Yolo, California 127 $ 35,638,000 $ 280,614 $ 106,000
Spokane, Washington 126 $ 22,335,000 $ 177,261 $ 64,000
Loudoun, Virginia 125 $ 39,228,000 $ 313,824 $ 123,000
Anne Arundel, Maryland 123 $ 32,957,000 $ 267,943 $ 96,000
Weld, Colorado 122 $ 26,659,000 $ 218,516 $ 87,000
Nevada, California 119 $ 34,371,000 $ 288,831 $ 110,000
Providence, Rhode Island 119 $ 24,784,000 $ 208,268 $ 58,000
Jefferson, Louisiana 118 $ 21,418,000 $ 181,508 $ 86,000
Johnson, Kansas 117 $ 23,899,000 $ 204,264 $ 100,000
Cache, Utah 117 $ 20,501,000 $ 175,222 $ 66,000
Mohave, Arizona 116 $ 22,856,000 $ 197,034 $ 90,000
Essex, New Jersey 115 $ 33,122,000 $ 288,017 $ 106,000
Fayette, Kentucky 114 $ 19,262,000 $ 168,964 $ 82,000
Collier, Florida 113 $ 29,745,000 $ 263,230 $ 133,000
Union, New Jersey 113 $ 31,455,000 $ 278,362 $ 92,000
San Luis Obispo, California 112 $ 34,582,000 $ 308,767 $ 81,000
Williamson, Tennessee 112 $ 28,713,000 $ 256,366 $ 113,000
Prince William, Virginia 112 $ 33,529,000 $ 299,366 $ 106,000
Clay, Florida 111 $ 21,311,000 $ 191,990 $ 86,000
Union, North Carolina 110 $ 26,797,000 $ 243,609 $ 100,000
Ada, Idaho 105 $ 21,388,000 $ 203,695 $ 87,000
Washington, Arkansas 104 $ 17,479,000 $ 168,067 $ 83,000
Brevard, Florida 104 $ 22,188,000 $ 213,346 $ 95,000
Camden, New Jersey 104 $ 19,400,000 $ 186,538 $ 83,000
Bexar, Texas 104 $ 17,854,000 $ 171,673 $ 109,000
Williamson, Texas 103 $ 16,229,000 $ 157,563 $ 103,000
Forsyth, Georgia 102 $ 24,917,000 $ 244,284 $ 116,000
Cumberland, Maine 102 $ 20,693,000 $ 202,872 $ 82,000
Carver, Minnesota 100 $ 24,376,000 $ 243,760 $ 113,000
York, South Carolina 100 $ 18,806,000 $ 188,060 $ 76,000
Whatcom, Washington 100 $ 22,260,000 $ 222,600 $ 80,000
Osceola, Florida 98 $ 20,811,000 $ 212,357 $ 92,000
Kitsap, Washington 98 $ 25,175,000 $ 256,887 $ 104,000
Milwaukee, Wisconsin 97 $ 13,665,000 $ 140,876 $ 55,000
Manatee, Florida 94 $ 21,272,000 $ 226,297 $ 118,000
Orleans, Louisiana 94 $ 19,366,000 $ 206,021 $ 87,000
Burlington, New Jersey 94 $ 22,069,000 $ 234,776 $ 92,000
Santa Cruz, California 93 $ 32,210,000 $ 346,344 $ 120,000
Clayton, Georgia 93 $ 12,139,000 $ 130,526 $ 53,000
Wright, Minnesota 92 $ 18,696,000 $ 203,217 $ 80,000
Jefferson, Missouri 92 $ 13,853,000 $ 150,576 $ 72,000
Alachua, Florida 91 $ 16,259,000 $ 178,670 $ 107,000
Canadian, Oklahoma 91 $ 12,484,000 $ 137,186 $ 96,000
Lake, Florida 89 $ 20,169,000 $ 226,617 $ 97,000
Hampden, Massachusetts 89 $ 17,579,000 $ 197,516 $ 90,000
Jackson, Oregon 87 $ 20,291,000 $ 233,229 $ 81,000
St. Tammany, Louisiana 86 $ 16,346,000 $ 190,069 $ 89,000
Jackson, Missouri 86 $ 14,544,000 $ 169,116 $ 78,000
Monterey, California 84 $ 28,263,000 $ 336,464 $ 121,000
Passaic, New Jersey 84 $ 22,937,000 $ 273,059 $ 100,000
Warren, Ohio 82 $ 17,365,000 $ 211,768 $ 97,000
Napa, California 81 $ 26,388,000 $ 325,777 $ 98,000
Greenville, South Carolina 81 $ 15,046,000 $ 185,753 $ 96,000
Shasta, California 80 $ 17,942,000 $ 224,275 $ 85,000
Broomfield, Colorado 80 $ 19,033,000 $ 237,912 $ 104,000
Santa Barbara, California 79 $ 23,739,000 $ 300,493 $ 49,000
Kendall, Illinois 79 $ 17,262,000 $ 218,506 $ 87,000
Gloucester, New Jersey 79 $ 15,272,000 $ 193,316 $ 82,000
Tulare, California 77 $ 15,968,000 $ 207,376 $ 69,000
Douglas, Nevada 77 $ 18,815,000 $ 244,350 $ 101,000
Somerset, New Jersey 77 $ 21,952,000 $ 285,090 $ 124,000
Navajo, Arizona 76 $ 16,007,000 $ 210,618 $ 112,000
Merced, California 74 $ 17,650,000 $ 238,513 $ 86,000
St. Lucie, Florida 74 $ 14,928,000 $ 201,729 $ 106,000
Virginia Beach, Virginia 73 $ 18,613,000 $ 254,972 $ 96,000
Waukesha, Wisconsin 73 $ 17,824,000 $ 244,164 $ 108,000
Madison, Alabama 71 $ 13,255,000 $ 186,690 $ 99,000
Summit, Utah 70 $ 23,222,000 $ 331,742 $ 144,000
Garfield, Colorado 69 $ 18,401,000 $ 266,681 $ 58,000
Durham, North Carolina 69 $ 12,148,000 $ 176,057 $ 90,000
Oldham, Kentucky 68 $ 15,399,000 $ 226,455 $ 100,000
Brunswick, North Carolina 68 $ 15,455,000 $ 227,279 $ 112,000
Marin, California 67 $ 23,083,000 $ 344,522 $ 140,000
Mercer, New Jersey 67 $ 17,751,000 $ 264,940 $ 137,000
Lake, Ohio 67 $ 10,978,000 $ 163,850 $ 107,000
Leon, Florida 66 $ 13,477,000 $ 204,196 $ 97,000
Benton, Arkansas 65 $ 9,802,000 $ 150,800 $ 73,000
Butte, California 65 $ 15,491,000 $ 238,323 $ 84,000
Marion, Florida 65 $ 12,645,000 $ 194,538 $ 85,000
Flagler, Florida 64 $ 11,934,000 $ 186,468 $ 124,000
York, Maine 64 $ 13,583,000 $ 212,234 $ 77,000
Butler, Ohio 64 $ 10,880,000 $ 170,000 $ 94,000
Sherburne, Minnesota 63 $ 13,261,000 $ 210,492 $ 80,000
St. Louis City, Missouri 63 $ 8,609,000 $ 136,650 $ 63,000
Hudson, New Jersey 63 $ 17,773,000 $ 282,111 $ 89,000
Montgomery, Texas 63 $ 12,090,000 $ 191,904 $ 121,000
New Castle, Delaware 62 $ 13,310,000 $ 214,677 $ 85,000
Stearns, Minnesota 62 $ 9,899,000 $ 159,661 $ 53,000
Sussex, New Jersey 62 $ 14,158,000 $ 228,354 $ 105,000
Kent, Rhode Island 62 $ 13,996,000 $ 225,741 $ 77,000
Summit, Colorado 61 $ 16,163,000 $ 264,967 $ 141,000
Bernalillo, New Mexico 61 $ 12,968,000 $ 212,590 $ 94,000
Lafayette, Louisiana 60 $ 9,508,000 $ 158,466 $ 72,000
Boone, Missouri 60 $ 7,629,000 $ 127,150 $ 76,000
Harford, Maryland 59 $ 13,676,000 $ 231,796 $ 87,000
Livingston, Michigan 59 $ 13,603,000 $ 230,559 $ 114,000
Madera, California 58 $ 14,696,000 $ 253,379 $ 98,000
Shawnee, Kansas 58 $ 6,695,000 $ 115,431 $ 74,000
Baltimore City, Maryland 58 $ 12,167,000 $ 209,775 $ 99,000
Frederick, Maryland 58 $ 16,076,000 $ 277,172 $ 109,000
Henry, Georgia 57 $ 11,370,000 $ 199,473 $ 130,000
Cabarrus, North Carolina 57 $ 10,943,000 $ 191,982 $ 85,000
Wasatch, Utah 56 $ 15,923,000 $ 284,339 $ 135,000
Calaveras, California 55 $ 14,568,000 $ 264,872 $ 135,000
Guilford, North Carolina 55 $ 9,901,000 $ 180,018 $ 93,000
Iredell, North Carolina 55 $ 11,619,000 $ 211,254 $ 88,000
Lake, California 54 $ 12,064,000 $ 223,407 $ 76,000
Calcasieu, Louisiana 54 $ 9,283,000 $ 171,907 $ 87,000
Yamhill, Oregon 54 $ 11,593,000 $ 214,685 $ 85,000
Berks, Pennsylvania 54 $ 9,548,000 $ 176,814 $ 72,000
Cumberland, Pennsylvania 54 $ 9,453,000 $ 175,055 $ 97,000
York, Pennsylvania 54 $ 9,445,000 $ 174,907 $ 73,000
Horry, South Carolina 54 $ 11,500,000 $ 212,962 $ 100,000
Hendricks, Indiana 53 $ 8,075,000 $ 152,358 $ 77,000
Ascension, Louisiana 53 $ 10,088,000 $ 190,339 $ 89,000
St. Louis, Minnesota 53 $ 8,886,000 $ 167,660 $ 77,000
Medina, Ohio 53 $ 9,505,000 $ 179,339 $ 98,000
Douglas, Oregon 53 $ 10,401,000 $ 196,245 $ 80,000
Josephine, Oregon 53 $ 10,874,000 $ 205,169 $ 86,000
Northampton, Pennsylvania 53 $ 10,587,000 $ 199,754 $ 107,000
Kenton, Kentucky 52 $ 8,999,000 $ 173,057 $ 90,000
Wilson, Tennessee 51 $ 10,069,000 $ 197,431 $ 85,000
Mahoning, Ohio 50 $ 5,977,000 $ 119,540 $ 64,000
Stafford, Virginia 50 $ 15,209,000 $ 304,180 $ 105,000
Carson City, Nevada 49 $ 12,411,000 $ 253,285 $ 91,000
Atlantic, New Jersey 49 $ 10,752,000 $ 219,428 $ 93,000
Rutherford, Tennessee 49 $ 7,963,000 $ 162,510 $ 80,000
Windham, Connecticut 48 $ 8,385,000 $ 174,687 $ 69,000
Delaware, Ohio 48 $ 12,774,000 $ 266,125 $ 187,000
Butler, Pennsylvania 48 $ 7,989,000 $ 166,437 $ 106,000
Charleston, South Carolina 48 $ 12,002,000 $ 250,041 $ 118,000
Henrico, Virginia 48 $ 9,671,000 $ 201,479 $ 84,000
Lake, Indiana 47 $ 8,676,000 $ 184,595 $ 83,000
Boone, Kentucky 47 $ 8,550,000 $ 181,914 $ 77,000
Lorain, Ohio 47 $ 8,489,000 $ 180,617 $ 85,000
Washington, Rhode Island 47 $ 11,999,000 $ 255,297 $ 96,000
Greene, Missouri 46 $ 7,384,000 $ 160,521 $ 27,000
Montgomery, Ohio 46 $ 5,822,000 $ 126,565 $ 79,000
Sumner, Tennessee 46 $ 10,002,000 $ 217,434 $ 96,000
Iron, Utah 46 $ 9,869,000 $ 214,543 $ 83,000
Chelan, Washington 46 $ 10,407,000 $ 226,239 $ 111,000
Amador, California 45 $ 11,837,000 $ 263,044 $ 88,000
Hall, Georgia 45 $ 10,261,000 $ 228,022 $ 90,000
Johnson, Indiana 45 $ 8,520,000 $ 189,333 $ 91,000
Charlotte, Florida 44 $ 8,031,000 $ 182,522 $ 109,000
Cape May, New Jersey 43 $ 12,197,000 $ 283,651 $ 160,000
Lancaster, Pennsylvania 43 $ 8,151,000 $ 189,558 $ 89,000
Lehigh, Pennsylvania 43 $ 9,410,000 $ 218,837 $ 91,000
Shelby, Tennessee 43 $ 6,815,000 $ 158,488 $ 127,000
Chesterfield, Virginia 43 $ 8,325,000 $ 193,604 $ 74,000
Mesa, Colorado 42 $ 7,923,000 $ 188,642 $ 67,000
Johnston, North Carolina 42 $ 7,526,000 $ 179,190 $ 75,000
Hood River, Oregon 42 $ 10,406,000 $ 247,761 $ 105,000
Jefferson, Alabama 41 $ 7,300,000 $ 178,048 $ 127,000
Mendocino, California 41 $ 11,480,000 $ 280,000 $ 111,000
La Plata, Colorado 41 $ 10,713,000 $ 261,292 $ 118,000
Hernando, Florida 41 $ 8,389,000 $ 204,609 $ 89,000
Kootenai, Idaho 41 $ 8,183,000 $ 199,585 $ 88,000
Boone, Indiana 41 $ 8,798,000 $ 214,585 $ 106,000
Kent, Michigan 41 $ 6,580,000 $ 160,487 $ 114,000
Dauphin, Pennsylvania 41 $ 5,622,000 $ 137,121 $ 77,000
Knox, Tennessee 41 $ 6,965,000 $ 169,878 $ 95,000
Dane, Wisconsin 41 $ 7,943,000 $ 193,731 $ 90,000
Martin, Florida 40 $ 8,660,000 $ 216,500 $ 98,000
Okaloosa, Florida 40 $ 8,532,000 $ 213,300 $ 94,000
Paulding, Georgia 40 $ 6,940,000 $ 173,500 $ 72,000
Yellowstone, Montana 40 $ 6,524,000 $ 163,100 $ 48,000
Gila, Arizona 39 $ 9,163,000 $ 234,948 $ 102,000
Fayette, Georgia 39 $ 9,770,000 $ 250,512 $ 110,000
Stark, Ohio 39 $ 5,100,000 $ 130,769 $ 61,000
Chesapeake, Virginia 39 $ 8,900,000 $ 228,205 $ 80,000
Spotsylvania, Virginia 39 $ 9,219,000 $ 236,384 $ 92,000
Douglas, Georgia 38 $ 6,395,000 $ 168,289 $ 123,000
Livingston, Louisiana 38 $ 5,703,000 $ 150,078 $ 92,000
Genesee, Michigan 38 $ 5,815,000 $ 153,026 $ 92,000
Olmsted, Minnesota 38 $ 6,083,000 $ 160,078 $ 71,000
Clermont, Ohio 38 $ 6,422,000 $ 169,000 $ 94,000
Columbia, Oregon 38 $ 7,713,000 $ 202,973 $ 80,000
Monroe, Pennsylvania 38 $ 7,077,000 $ 186,236 $ 89,000
Box Elder, Utah 38 $ 7,069,000 $ 186,026 $ 70,000
Kings, California 37 $ 7,528,000 $ 203,459 $ 51,000
Sutter, California 37 $ 7,893,000 $ 213,324 $ 82,000
Indian River, Florida 37 $ 7,807,000 $ 211,000 $ 121,000
Charles, Maryland 37 $ 10,694,000 $ 289,027 $ 109,000
Clay, Missouri 37 $ 6,271,000 $ 169,486 $ 77,000
Benton, Oregon 37 $ 8,420,000 $ 227,567 $ 111,000
Smith, Texas 37 $ 7,296,000 $ 197,189 $ 142,000
Eagle, Colorado 36 $ 12,406,000 $ 344,611 $ 149,000
Bay, Florida 36 $ 8,179,000 $ 227,194 $ 121,000
Escambia, Florida 35 $ 5,431,000 $ 155,171 $ 88,000
Clark, Indiana 35 $ 4,582,000 $ 130,914 $ 55,000
Douglas, Nebraska 35 $ 6,039,000 $ 172,542 $ 98,000
Hunterdon, New Jersey 35 $ 9,463,000 $ 270,371 $ 125,000
Arlington, Virginia 35 $ 11,186,000 $ 319,600 $ 109,000
Lincoln, Oregon 34 $ 7,943,000 $ 233,617 $ 129,000
Linn, Oregon 34 $ 5,229,000 $ 153,794 $ 64,000
Westmoreland, Pennsylvania 34 $ 5,796,000 $ 170,470 $ 73,000
Island, Washington 34 $ 9,842,000 $ 289,470 $ 103,000
Mobile, Alabama 33 $ 4,884,000 $ 148,000 $ 80,000
Tuolumne, California 33 $ 8,286,000 $ 251,090 $ 142,000
Peoria, Illinois 33 $ 6,155,000 $ 186,515 $ 104,000
Carroll, Maryland 33 $ 8,832,000 $ 267,636 $ 91,000
Rice, Minnesota 33 $ 6,418,000 $ 194,484 $ 63,000
Monroe, Florida 32 $ 11,142,000 $ 348,187 $ 219,000
Coweta, Georgia 32 $ 6,227,000 $ 194,593 $ 92,000
Monroe, Indiana 32 $ 4,978,000 $ 155,562 $ 86,000
Vanderburgh, Indiana 32 $ 4,014,000 $ 125,437 $ 51,000
Gallatin, Montana 32 $ 7,937,000 $ 248,031 $ 81,000
Geauga, Ohio 32 $ 6,576,000 $ 205,500 $ 87,000
Yuba, California 31 $ 6,600,000 $ 212,903 $ 89,000
Bonneville, Idaho 31 $ 4,454,000 $ 143,677 $ 38,000
Portage, Ohio 31 $ 5,226,000 $ 168,580 $ 95,000
Chatham, Georgia 30 $ 5,366,000 $ 178,866 $ 72,000
Chisago, Minnesota 30 $ 5,952,000 $ 198,400 $ 71,000
Kenosha, Wisconsin 30 $ 5,723,000 $ 190,766 $ 86,000
Campbell, Kentucky 29 $ 4,437,000 $ 153,000 $ 74,000
Missoula, Montana 29 $ 5,314,000 $ 183,241 $ 77,000
Douglas, Washington 29 $ 5,305,000 $ 182,931 $ 72,000
Humboldt, California 28 $ 6,370,000 $ 227,500 $ 104,000
Allen, Indiana 28 $ 3,484,000 $ 124,428 $ 68,000
Bullitt, Kentucky 28 $ 3,647,000 $ 130,250 $ 63,000
Calvert, Maryland 28 $ 7,644,000 $ 273,000 $ 98,000
Gaston, North Carolina 28 $ 5,639,000 $ 201,392 $ 97,000
Rogers, Oklahoma 28 $ 3,892,000 $ 139,000 $ 99,000
Washington, Pennsylvania 28 $ 4,486,000 $ 160,214 $ 90,000
Cochise, Arizona 27 $ 4,882,000 $ 180,814 $ 84,000
Canyon, Idaho 27 $ 4,848,000 $ 179,555 $ 66,000
Sangamon, Illinois 27 $ 4,917,000 $ 182,111 $ 100,000
Floyd, Indiana 27 $ 4,674,000 $ 173,111 $ 61,000
Lyon, Nevada 27 $ 5,724,000 $ 212,000 $ 60,000
Orange, North Carolina 27 $ 6,312,000 $ 233,777 $ 102,000
Logan, Oklahoma 27 $ 4,972,000 $ 184,148 $ 94,000
Routt, Colorado 26 $ 7,466,000 $ 287,153 $ 133,000
Santa Rosa, Florida 26 $ 5,701,000 $ 219,269 $ 99,000
DeKalb, Illinois 26 $ 4,582,000 $ 176,230 $ 77,000
Hancock, Indiana 26 $ 3,949,000 $ 151,884 $ 78,000
Porter, Indiana 26 $ 4,935,000 $ 189,807 $ 83,000
Crow Wing, Minnesota 26 $ 5,777,000 $ 222,192 $ 107,000
Nye, Nevada 26 $ 5,826,000 $ 224,076 $ 71,000
Lexington, South Carolina 26 $ 5,566,000 $ 214,076 $ 94,000
Brazoria, Texas 26 $ 4,744,000 $ 182,461 $ 108,000
Skagit, Washington 26 $ 6,361,000 $ 244,653 $ 110,000
Yuma, Arizona 25 $ 4,147,000 $ 165,880 $ 73,000
Nassau, Florida 25 $ 5,776,000 $ 231,040 $ 105,000
Winnebago, Illinois 25 $ 3,903,000 $ 156,120 $ 89,000
Morgan, Indiana 25 $ 4,738,000 $ 189,520 $ 87,000
Buncombe, North Carolina 25 $ 6,500,000 $ 260,000 $ 111,000
Mason, Washington 25 $ 5,285,000 $ 211,400 $ 110,000
Sedgwick, Kansas 24 $ 3,487,000 $ 145,291 $ 67,000
St. Charles, Louisiana 24 $ 5,083,000 $ 211,791 $ 92,000
Tangipahoa, Louisiana 24 $ 4,735,000 $ 197,291 $ 101,000
Salem, New Jersey 24 $ 3,842,000 $ 160,083 $ 44,000
Catawba, North Carolina 24 $ 4,343,000 $ 180,958 $ 66,000
Beaufort, South Carolina 24 $ 7,398,000 $ 308,250 $ 128,000
Hidalgo, Texas 24 $ 3,590,000 $ 149,583 $ 61,000
Kennebec, Maine 23 $ 3,071,000 $ 133,521 $ 58,000
Madison, Mississippi 23 $ 4,733,000 $ 205,782 $ 109,000
Forsyth, North Carolina 23 $ 4,484,000 $ 194,956 $ 96,000
Rowan, North Carolina 23 $ 3,538,000 $ 153,826 $ 91,000
Greene, Ohio 23 $ 3,969,000 $ 172,565 $ 88,000
Jefferson, Texas 23 $ 2,704,000 $ 117,565 $ 90,000
Tippecanoe, Indiana 22 $ 3,810,000 $ 173,181 $ 83,000
Hays, Texas 22 $ 3,779,000 $ 171,772 $ 86,000
Webb, Texas 22 $ 3,251,000 $ 147,772 $ 71,000
Lewis, Washington 22 $ 3,996,000 $ 181,636 $ 91,000
Grand, Colorado 21 $ 4,812,000 $ 229,142 $ 97,000
Sumter, Florida 21 $ 4,339,000 $ 206,619 $ 84,000
Scott, Kentucky 21 $ 3,489,000 $ 166,142 $ 92,000
Lafourche, Louisiana 21 $ 3,500,000 $ 166,666 $ 87,000
Hampshire, Massachusetts 21 $ 4,119,000 $ 196,142 $ 85,000
Ingham, Michigan 21 $ 4,119,000 $ 196,142 $ 109,000
Franklin, Missouri 21 $ 2,861,000 $ 136,238 $ 60,000
Platte, Missouri 21 $ 4,691,000 $ 223,380 $ 110,000
Pender, North Carolina 21 $ 4,520,000 $ 215,238 $ 102,000
Lucas, Ohio 21 $ 3,463,000 $ 164,904 $ 78,000
Tillamook, Oregon 21 $ 4,939,000 $ 235,190 $ 217,000
Bristol, Rhode Island 21 $ 5,164,000 $ 245,904 $ 91,000
Galveston, Texas 21 $ 3,784,000 $ 180,190 $ 139,000
Cowlitz, Washington 21 $ 4,073,000 $ 193,952 $ 82,000
Santa Cruz, Arizona 20 $ 3,132,000 $ 156,600 $ 101,000
Elbert, Colorado 20 $ 5,338,000 $ 266,900 $ 89,000
Citrus, Florida 20 $ 3,854,000 $ 192,700 $ 69,000
Walton, Georgia 20 $ 3,498,000 $ 174,900 $ 76,000
Penobscot, Maine 20 $ 3,042,000 $ 152,100 $ 79,000
St. Mary's, Maryland 20 $ 5,403,000 $ 270,150 $ 84,000
Isanti, Minnesota 20 $ 3,026,000 $ 151,300 $ 73,000
Polk, Oregon 20 $ 4,196,000 $ 209,800 $ 103,000
St. Croix, Wisconsin 20 $ 5,465,000 $ 273,250 $ 79,000
Garland, Arkansas 19 $ 4,452,000 $ 234,315 $ 128,000
Polk, Iowa 19 $ 3,068,000 $ 161,473 $ 77,000
Washington, Maryland 19 $ 4,713,000 $ 248,052 $ 93,000
Lincoln, North Carolina 19 $ 5,248,000 $ 276,210 $ 112,000
Wagoner, Oklahoma 19 $ 2,730,000 $ 143,684 $ 58,000
Nueces, Texas 19 $ 2,899,000 $ 152,578 $ 78,000
Jefferson, Washington 19 $ 4,034,000 $ 212,315 $ 92,000
Yakima, Washington 19 $ 2,955,000 $ 155,526 $ 60,000
Newton, Georgia 18 $ 3,078,000 $ 171,000 $ 87,000
Madison, Indiana 18 $ 2,154,000 $ 119,666 $ 70,000
Androscoggin, Maine 18 $ 2,838,000 $ 157,666 $ 53,000
Cass, Missouri 18 $ 3,184,000 $ 176,888 $ 78,000
Fairfield, Ohio 18 $ 2,766,000 $ 153,666 $ 67,000
Maury, Tennessee 18 $ 3,510,000 $ 195,000 $ 68,000
Rockwall, Texas 18 $ 3,841,000 $ 213,388 $ 120,000
Morgan, Utah 18 $ 4,573,000 $ 254,055 $ 68,000
Newport News, Virginia 18 $ 3,402,000 $ 189,000 $ 65,000
Ozaukee, Wisconsin 18 $ 4,359,000 $ 242,166 $ 91,000
Imperial, California 17 $ 3,061,000 $ 180,058 $ 85,000
Tehama, California 17 $ 3,466,000 $ 203,882 $ 86,000
Walton, Florida 17 $ 5,108,000 $ 300,470 $ 185,000
Glynn, Georgia 17 $ 2,658,000 $ 156,352 $ 151,000
St. Joseph, Indiana 17 $ 2,518,000 $ 148,117 $ 78,000
Jessamine, Kentucky 17 $ 2,698,000 $ 158,705 $ 87,000
Dukes, Massachusetts 17 $ 5,577,000 $ 328,058 $ 132,000
Sanpete, Utah 17 $ 2,371,000 $ 139,470 $ 56,000
Uintah, Utah 17 $ 3,313,000 $ 194,882 $ 81,000
Fauquier, Virginia 17 $ 5,524,000 $ 324,941 $ 118,000
Clallam, Washington 17 $ 3,831,000 $ 225,352 $ 88,000
Grant, Washington 17 $ 2,740,000 $ 161,176 $ 104,000
Walworth, Wisconsin 17 $ 3,385,000 $ 199,117 $ 81,000
Bannock, Idaho 16 $ 1,965,000 $ 122,812 $ 47,000
Boone, Illinois 16 $ 2,806,000 $ 175,375 $ 55,000
Grundy, Illinois 16 $ 3,541,000 $ 221,312 $ 84,000
Dearborn, Indiana 16 $ 2,252,000 $ 140,750 $ 65,000
Reno, Kansas 16 $ 1,763,000 $ 110,187 $ 77,000
Shelby, Kentucky 16 $ 3,268,000 $ 204,250 $ 114,000
Cecil, Maryland 16 $ 3,510,000 $ 219,375 $ 78,000
Warren, New Jersey 16 $ 3,676,000 $ 229,750 $ 96,000
Henderson, North Carolina 16 $ 3,147,000 $ 196,687 $ 78,000
Richland, Ohio 16 $ 2,334,000 $ 145,875 $ 55,000
Hamilton, Tennessee 16 $ 2,604,000 $ 162,750 $ 79,000
Ellis, Texas 16 $ 3,245,000 $ 202,812 $ 117,000
York, Virginia 16 $ 4,106,000 $ 256,625 $ 99,000
Benton, Washington 16 $ 2,506,000 $ 156,625 $ 89,000
Siskiyou, California 15 $ 2,740,000 $ 182,666 $ 95,000
Park, Colorado 15 $ 3,269,000 $ 217,933 $ 95,000
Sussex, Delaware 15 $ 4,118,000 $ 274,533 $ 130,000
Columbia, Florida 15 $ 2,656,000 $ 177,066 $ 95,000
Clarke, Georgia 15 $ 3,096,000 $ 206,400 $ 81,000
Latah, Idaho 15 $ 2,733,000 $ 182,200 $ 69,000
Lapeer, Michigan 15 $ 2,639,000 $ 175,933 $ 78,000
Chatham, North Carolina 15 $ 3,411,000 $ 227,400 $ 105,000
Macon, North Carolina 15 $ 3,578,000 $ 238,533 $ 78,000
Grady, Oklahoma 15 $ 2,659,000 $ 177,266 $ 83,000
Okmulgee, Oklahoma 15 $ 2,119,000 $ 141,266 $ 61,000
Newport, Rhode Island 15 $ 5,125,000 $ 341,666 $ 151,000
Richland, South Carolina 15 $ 3,751,000 $ 250,066 $ 74,000
Alexandria, Virginia 15 $ 4,493,000 $ 299,533 $ 107,000
Norfolk, Virginia 15 $ 2,612,000 $ 174,133 $ 81,000
Stevens, Washington 15 $ 2,257,000 $ 150,466 $ 79,000
Whitman, Washington 15 $ 2,542,000 $ 169,466 $ 92,000
Racine, Wisconsin 15 $ 2,687,000 $ 179,133 $ 74,000
Washington, Wisconsin 15 $ 3,122,000 $ 208,133 $ 82,000
Inyo, California 14 $ 4,377,000 $ 312,642 $ 123,000
Teller, Colorado 14 $ 3,695,000 $ 263,928 $ 89,000
Jackson, Georgia 14 $ 2,646,000 $ 189,000 $ 67,000
Caddo, Louisiana 14 $ 2,398,000 $ 171,285 $ 84,000
Lincoln, Missouri 14 $ 2,247,000 $ 160,500 $ 78,000
Sandoval, New Mexico 14 $ 2,085,000 $ 148,928 $ 70,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2007

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 70,480 $16,624,960,000 $235,000 $2,000,000 $79,000 $7,200,000
Home Purchase 35,354 $7,929,206,000 $224,000 $2,000,000 $90,000 $7,109,000
Home Improvement 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 61,953 $14,356,739,000 $231,000 $2,000,000 $101,000 $3,902,000
Not applicable 18,284 $3,858,155,000 $211,000 $1,125,000 $0 $0
Asian 9,769 $2,651,559,000 $271,000 $1,990,000 $108,000 $7,109,000
Not Provided 6,405 $1,572,511,000 $245,000 $1,568,000 $106,000 $7,200,000
Hispanic 5,700 $1,344,365,000 $235,000 $1,260,000 $82,000 $1,821,000
Black or African American 3,089 $619,106,000 $200,000 $1,000,000 $77,000 $595,000
Native Hawaiian or Other Pacific Islander 364 $93,283,000 $256,000 $1,560,000 $98,000 $775,000
American Indian or Alaskan Native 270 $58,448,000 $216,000 $746,000 $97,000 $946,000

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) 105,834 $24,554,166,000 $232,000 $2,000,000 $83,000 $7,200,000
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 73,216 $17,288,969,000 $236,000 $2,000,000 $100,000 $7,109,000
Loan Purchased By The Institution 18,284 $3,858,155,000 $211,000 $1,125,000 $0 $0
Application Denied By Financial Institution 12,052 $2,828,922,000 $234,000 $1,750,000 $100,000 $3,902,000
Application Withdrawn By Applicant 2,282 $578,120,000 $253,000 $2,000,000 $121,000 $7,200,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $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
Collateral 3,663 $874,660,000 $238,000 $1,000,000 $108,000 $3,902,000
Debt-To-Income Ratio 2,950 $686,946,000 $232,000 $1,000,000 $77,000 $915,000
Other 2,945 $660,441,000 $224,000 $1,750,000 $108,000 $2,880,000
Unverifiable Information 1,605 $404,447,000 $251,000 $1,176,000 $120,000 $2,872,000
Credit History 386 $80,927,000 $209,000 $664,000 $80,000 $766,000
Insufficient Cash (Downpayment, Closing Cost) 238 $55,036,000 $231,000 $616,000 $93,000 $387,000
Employment History 158 $40,026,000 $253,000 $800,000 $89,000 $450,000
Credit Application Incomplete 87 $22,485,000 $258,000 $597,000 $92,000 $211,000
Mortgage Insurance Denied 20 $3,954,000 $197,000 $560,000 $74,000 $229,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2007 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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