Provident Funding Associates Mortgage Lending & HMDA Data, 2008

In 2008, Provident Funding Associates of Santa Rosa, CA reported 86,121 mortgage applications totaling $21.2 billion, down 19% from 2007. The average application was for $246,416, and applicants reported an average income of $101,663. 69% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (5,552), Salt Lake City, UT (3,107) and Chicago-Naperville-Joliet, IL (2,748) (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 86,121
Total Mortgage Loan Application Amount $21,221,614,000
Average Mortgage Loan Application Amount $246,416
Highest Mortgage Loan Application Amount $1,578,000
Average Applicant Income $101,663
Highest Applicant Income $6,248,000

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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 5,356 $ 1,239,190,000 $ 231,364 $ 103,000
Salt Lake, Utah 2,901 $ 670,378,000 $ 231,085 $ 89,000
Los Angeles, California 2,428 $ 789,366,000 $ 325,109 $ 107,000
King, Washington 2,083 $ 633,837,000 $ 304,290 $ 102,000
Santa Clara, California 1,919 $ 727,010,000 $ 378,848 $ 134,000
San Diego, California 1,810 $ 568,182,000 $ 313,912 $ 117,000
Cook, Illinois 1,643 $ 403,401,000 $ 245,527 $ 91,000
Orange, California 1,510 $ 522,561,000 $ 346,066 $ 126,000
Utah, Utah 1,405 $ 324,574,000 $ 231,013 $ 87,000
Alameda, California 1,230 $ 425,430,000 $ 345,878 $ 117,000
Clark, Nevada 1,093 $ 243,710,000 $ 222,973 $ 121,000
Sacramento, California 1,011 $ 245,865,000 $ 243,189 $ 103,000
Hartford, Connecticut 968 $ 200,168,000 $ 206,785 $ 85,000
Davis, Utah 939 $ 213,559,000 $ 227,432 $ 81,000
Middlesex, Massachusetts 833 $ 248,001,000 $ 297,720 $ 103,000
New Haven, Connecticut 790 $ 172,726,000 $ 218,640 $ 87,000
Riverside, California 784 $ 205,190,000 $ 261,721 $ 110,000
Contra Costa, California 782 $ 248,233,000 $ 317,433 $ 119,000
Multnomah, Oregon 760 $ 182,181,000 $ 239,711 $ 87,000
Fairfield, Connecticut 715 $ 212,895,000 $ 297,755 $ 106,000
Broward, Florida 664 $ 151,515,000 $ 228,185 $ 109,000
Washington, Oregon 662 $ 166,963,000 $ 252,209 $ 97,000
Hennepin, Minnesota 651 $ 157,373,000 $ 241,740 $ 108,000
Snohomish, Washington 634 $ 178,989,000 $ 282,317 $ 93,000
San Bernardino, California 627 $ 164,135,000 $ 261,778 $ 102,000
Oakland, Michigan 604 $ 146,876,000 $ 243,172 $ 117,000
Hillsborough, Florida 567 $ 117,285,000 $ 206,851 $ 101,000
Sonoma, California 565 $ 165,656,000 $ 293,196 $ 102,000
Palm Beach, Florida 546 $ 128,295,000 $ 234,972 $ 127,000
San Mateo, California 543 $ 210,897,000 $ 388,392 $ 137,000
Collin, Texas 531 $ 112,893,000 $ 212,604 $ 114,000
Pima, Arizona 520 $ 110,999,000 $ 213,459 $ 95,000
Montgomery, Maryland 495 $ 159,391,000 $ 322,002 $ 113,000
Norfolk, Massachusetts 490 $ 144,296,000 $ 294,481 $ 105,000
Harris, Texas 485 $ 90,325,000 $ 186,237 $ 103,000
DuPage, Illinois 484 $ 117,189,000 $ 242,126 $ 107,000
Douglas, Colorado 480 $ 128,028,000 $ 266,725 $ 115,000
Orange, Florida 479 $ 100,750,000 $ 210,334 $ 96,000
Fairfax, Virginia 473 $ 145,967,000 $ 308,598 $ 115,000
Hamilton, Indiana 471 $ 111,336,000 $ 236,382 $ 124,000
Pierce, Washington 464 $ 111,594,000 $ 240,504 $ 86,000
Miami-Dade, Florida 462 $ 106,168,000 $ 229,800 $ 99,000
Denver, Colorado 453 $ 109,989,000 $ 242,801 $ 107,000
Lake, Illinois 443 $ 117,621,000 $ 265,510 $ 113,000
Weber, Utah 431 $ 87,004,000 $ 201,865 $ 76,000
Jefferson, Colorado 413 $ 102,539,000 $ 248,278 $ 104,000
St. Louis, Missouri 412 $ 81,312,000 $ 197,359 $ 102,000
Wayne, Michigan 410 $ 74,594,000 $ 181,936 $ 92,000
Ventura, California 408 $ 130,920,000 $ 320,882 $ 113,000
Dallas, Texas 408 $ 85,000,000 $ 208,333 $ 119,000
Placer, California 404 $ 115,637,000 $ 286,230 $ 116,000
Clackamas, Oregon 401 $ 105,661,000 $ 263,493 $ 94,000
Jefferson, Kentucky 398 $ 76,862,000 $ 193,120 $ 98,000
Fulton, Georgia 390 $ 102,159,000 $ 261,946 $ 122,000
Boulder, Colorado 388 $ 109,086,000 $ 281,149 $ 105,000
Arapahoe, Colorado 385 $ 89,976,000 $ 233,703 $ 104,000
Pinellas, Florida 375 $ 71,843,000 $ 191,581 $ 111,000
Solano, California 364 $ 96,215,000 $ 264,326 $ 95,000
San Joaquin, California 363 $ 82,738,000 $ 227,928 $ 107,000
Fresno, California 360 $ 79,373,000 $ 220,480 $ 96,000
Mecklenburg, North Carolina 354 $ 74,539,000 $ 210,562 $ 105,000
Duval, Florida 344 $ 64,991,000 $ 188,927 $ 93,000
Wake, North Carolina 327 $ 76,989,000 $ 235,440 $ 109,000
Plymouth, Massachusetts 317 $ 84,027,000 $ 265,069 $ 90,000
Middlesex, New Jersey 316 $ 89,052,000 $ 281,810 $ 105,000
Gwinnett, Georgia 314 $ 63,207,000 $ 201,296 $ 88,000
Marion, Indiana 303 $ 50,164,000 $ 165,557 $ 89,000
Philadelphia, Pennsylvania 300 $ 50,741,000 $ 169,136 $ 74,000
Ocean, New Jersey 292 $ 73,174,000 $ 250,595 $ 101,000
Bergen, New Jersey 281 $ 92,363,000 $ 328,693 $ 108,000
Cobb, Georgia 277 $ 62,514,000 $ 225,682 $ 105,000
Monmouth, New Jersey 269 $ 79,772,000 $ 296,550 $ 126,000
Clark, Washington 267 $ 61,447,000 $ 230,138 $ 89,000
Montgomery, Pennsylvania 266 $ 63,451,000 $ 238,537 $ 94,000
El Dorado, California 264 $ 74,974,000 $ 283,992 $ 121,000
Suffolk, Massachusetts 262 $ 69,873,000 $ 266,690 $ 81,000
Travis, Texas 261 $ 61,409,000 $ 235,283 $ 122,000
Denton, Texas 260 $ 55,457,000 $ 213,296 $ 116,000
Essex, Massachusetts 256 $ 72,791,000 $ 284,339 $ 102,000
San Francisco, California 252 $ 99,273,000 $ 393,940 $ 113,000
Worcester, Massachusetts 251 $ 64,197,000 $ 255,764 $ 103,000
Will, Illinois 245 $ 60,332,000 $ 246,253 $ 100,000
Lee, Florida 242 $ 47,079,000 $ 194,541 $ 116,000
St. Charles, Missouri 242 $ 45,675,000 $ 188,739 $ 85,000
Washington, Utah 242 $ 52,926,000 $ 218,702 $ 92,000
Bucks, Pennsylvania 239 $ 61,376,000 $ 256,803 $ 103,000
Ada, Idaho 237 $ 49,522,000 $ 208,953 $ 97,000
Dakota, Minnesota 233 $ 53,962,000 $ 231,596 $ 102,000
San Luis Obispo, California 231 $ 70,403,000 $ 304,774 $ 106,000
DeKalb, Georgia 229 $ 53,230,000 $ 232,445 $ 99,000
Lane, Oregon 223 $ 50,397,000 $ 225,995 $ 88,000
Seminole, Florida 217 $ 47,447,000 $ 218,649 $ 106,000
Oklahoma, Oklahoma 216 $ 40,477,000 $ 187,393 $ 99,000
Ramsey, Minnesota 208 $ 45,800,000 $ 220,192 $ 93,000
Fort Bend, Texas 204 $ 40,044,000 $ 196,294 $ 104,000
Stanislaus, California 201 $ 41,826,000 $ 208,089 $ 98,000
El Paso, Colorado 198 $ 46,733,000 $ 236,025 $ 98,000
Pinal, Arizona 196 $ 39,157,000 $ 199,780 $ 93,000
Tarrant, Texas 196 $ 38,182,000 $ 194,806 $ 101,000
Kern, California 194 $ 41,805,000 $ 215,489 $ 90,000
Larimer, Colorado 190 $ 39,347,000 $ 207,089 $ 95,000
Deschutes, Oregon 190 $ 47,300,000 $ 248,947 $ 93,000
Santa Cruz, California 185 $ 66,304,000 $ 358,400 $ 128,000
Allegheny, Pennsylvania 179 $ 30,364,000 $ 169,631 $ 93,000
Bristol, Massachusetts 177 $ 44,454,000 $ 251,152 $ 86,000
Cuyahoga, Ohio 176 $ 34,140,000 $ 193,977 $ 108,000
Tulsa, Oklahoma 175 $ 29,745,000 $ 169,971 $ 87,000
Davidson, Tennessee 174 $ 33,955,000 $ 195,143 $ 90,000
Washington, Minnesota 172 $ 42,149,000 $ 245,052 $ 98,000
Kane, Illinois 171 $ 40,158,000 $ 234,842 $ 92,000
Yavapai, Arizona 169 $ 40,940,000 $ 242,248 $ 106,000
Franklin, Ohio 168 $ 28,902,000 $ 172,035 $ 87,000
Adams, Colorado 167 $ 34,218,000 $ 204,898 $ 88,000
Hamilton, Ohio 167 $ 33,065,000 $ 197,994 $ 91,000
Middlesex, Connecticut 165 $ 38,138,000 $ 231,139 $ 91,000
Collier, Florida 165 $ 41,725,000 $ 252,878 $ 128,000
Essex, New Jersey 165 $ 52,502,000 $ 318,193 $ 114,000
Nevada, California 162 $ 46,582,000 $ 287,543 $ 111,000
Morris, New Jersey 162 $ 48,757,000 $ 300,969 $ 118,000
Macomb, Michigan 159 $ 29,031,000 $ 182,584 $ 81,000
Passaic, New Jersey 158 $ 43,951,000 $ 278,170 $ 91,000
Delaware, Pennsylvania 157 $ 33,757,000 $ 215,012 $ 94,000
Anoka, Minnesota 156 $ 34,127,000 $ 218,762 $ 85,000
Washtenaw, Michigan 152 $ 34,035,000 $ 223,914 $ 107,000
Marin, California 151 $ 58,442,000 $ 387,033 $ 141,000
Fayette, Kentucky 150 $ 28,144,000 $ 187,626 $ 86,000
Tolland, Connecticut 149 $ 34,820,000 $ 233,691 $ 94,000
Chester, Pennsylvania 148 $ 39,709,000 $ 268,304 $ 118,000
Washoe, Nevada 147 $ 36,987,000 $ 251,612 $ 107,000
Loudoun, Virginia 146 $ 49,132,000 $ 336,520 $ 117,000
Pasco, Florida 145 $ 27,028,000 $ 186,400 $ 101,000
Thurston, Washington 141 $ 35,019,000 $ 248,361 $ 88,000
Johnson, Kansas 140 $ 29,326,000 $ 209,471 $ 94,000
Volusia, Florida 139 $ 25,177,000 $ 181,129 $ 84,000
Union, New Jersey 139 $ 40,955,000 $ 294,640 $ 107,000
McHenry, Illinois 137 $ 31,005,000 $ 226,313 $ 95,000
Barnstable, Massachusetts 137 $ 37,960,000 $ 277,080 $ 129,000
Marion, Oregon 137 $ 28,551,000 $ 208,401 $ 81,000
Howard, Maryland 135 $ 42,725,000 $ 316,481 $ 110,000
Baltimore, Maryland 132 $ 31,913,000 $ 241,765 $ 85,000
Kent, Michigan 132 $ 23,195,000 $ 175,719 $ 94,000
East Baton Rouge, Louisiana 131 $ 26,413,000 $ 201,625 $ 102,000
Prince George's, Maryland 131 $ 33,448,000 $ 255,328 $ 82,000
Litchfield, Connecticut 129 $ 29,842,000 $ 231,333 $ 84,000
Cache, Utah 129 $ 23,915,000 $ 185,387 $ 66,000
Somerset, New Jersey 125 $ 38,836,000 $ 310,688 $ 123,000
Sarasota, Florida 121 $ 25,953,000 $ 214,487 $ 112,000
Williamson, Texas 121 $ 23,117,000 $ 191,049 $ 94,000
Brevard, Florida 118 $ 23,688,000 $ 200,745 $ 100,000
Coconino, Arizona 117 $ 30,837,000 $ 263,564 $ 139,000
Jackson, Missouri 117 $ 20,738,000 $ 177,247 $ 92,000
Summit, Ohio 117 $ 19,231,000 $ 164,367 $ 85,000
Polk, Florida 115 $ 19,670,000 $ 171,043 $ 92,000
Jefferson, Missouri 113 $ 18,793,000 $ 166,309 $ 70,000
Monterey, California 112 $ 32,821,000 $ 293,044 $ 107,000
Napa, California 112 $ 37,039,000 $ 330,705 $ 117,000
Forsyth, Georgia 110 $ 28,870,000 $ 262,454 $ 123,000
Summit, Utah 110 $ 35,736,000 $ 324,872 $ 183,000
Kitsap, Washington 109 $ 28,611,000 $ 262,486 $ 97,000
New London, Connecticut 108 $ 23,402,000 $ 216,685 $ 81,000
Williamson, Tennessee 108 $ 30,353,000 $ 281,046 $ 110,000
Manatee, Florida 107 $ 25,277,000 $ 236,233 $ 115,000
Burlington, New Jersey 106 $ 25,785,000 $ 243,254 $ 115,000
Yolo, California 105 $ 30,416,000 $ 289,676 $ 116,000
St. Johns, Florida 105 $ 26,265,000 $ 250,142 $ 115,000
Anne Arundel, Maryland 105 $ 30,290,000 $ 288,476 $ 97,000
Scott, Minnesota 105 $ 26,732,000 $ 254,590 $ 96,000
Mercer, New Jersey 98 $ 23,793,000 $ 242,785 $ 104,000
Prince William, Virginia 98 $ 24,570,000 $ 250,714 $ 96,000
Whatcom, Washington 98 $ 24,554,000 $ 250,551 $ 90,000
Hudson, New Jersey 97 $ 30,112,000 $ 310,432 $ 78,000
Spokane, Washington 97 $ 18,192,000 $ 187,546 $ 74,000
Tooele, Utah 96 $ 18,774,000 $ 195,562 $ 72,000
Bexar, Texas 95 $ 17,944,000 $ 188,884 $ 98,000
St. Louis City, Missouri 93 $ 14,323,000 $ 154,010 $ 80,000
Jackson, Oregon 91 $ 21,281,000 $ 233,857 $ 83,000
Alachua, Florida 89 $ 14,567,000 $ 163,674 $ 79,000
Milwaukee, Wisconsin 89 $ 14,727,000 $ 165,471 $ 63,000
Waukesha, Wisconsin 89 $ 21,484,000 $ 241,393 $ 94,000
Jefferson, Louisiana 88 $ 15,800,000 $ 179,545 $ 80,000
Santa Barbara, California 87 $ 26,193,000 $ 301,068 $ 105,000
Osceola, Florida 87 $ 16,271,000 $ 187,022 $ 86,000
Knox, Tennessee 86 $ 17,045,000 $ 198,197 $ 100,000
Navajo, Arizona 84 $ 18,792,000 $ 223,714 $ 134,000
Bernalillo, New Mexico 83 $ 16,959,000 $ 204,325 $ 93,000
Providence, Rhode Island 80 $ 15,276,000 $ 190,950 $ 68,000
York, South Carolina 80 $ 17,170,000 $ 214,625 $ 92,000
Montgomery, Texas 80 $ 18,009,000 $ 225,112 $ 129,000
Camden, New Jersey 79 $ 16,928,000 $ 214,278 $ 94,000
Butler, Ohio 79 $ 14,044,000 $ 177,772 $ 93,000
Leon, Florida 77 $ 15,898,000 $ 206,467 $ 118,000
Cherokee, Georgia 77 $ 16,212,000 $ 210,545 $ 95,000
Missoula, Montana 76 $ 15,677,000 $ 206,276 $ 72,000
Weld, Colorado 75 $ 16,503,000 $ 220,040 $ 92,000
Butte, California 74 $ 16,839,000 $ 227,554 $ 95,000
Washington, Arkansas 73 $ 12,686,000 $ 173,780 $ 115,000
Union, North Carolina 73 $ 16,803,000 $ 230,178 $ 92,000
Tulare, California 72 $ 13,115,000 $ 182,152 $ 81,000
Clay, Florida 72 $ 13,325,000 $ 185,069 $ 110,000
Cumberland, Maine 72 $ 16,642,000 $ 231,138 $ 89,000
Chelan, Washington 72 $ 15,432,000 $ 214,333 $ 81,000
Cleveland, Oklahoma 71 $ 12,669,000 $ 178,436 $ 97,000
Marion, Florida 70 $ 11,665,000 $ 166,642 $ 76,000
Greenville, South Carolina 70 $ 14,170,000 $ 202,428 $ 99,000
Clallam, Washington 70 $ 13,146,000 $ 187,800 $ 74,000
Orleans, Louisiana 68 $ 12,458,000 $ 183,205 $ 65,000
Mohave, Arizona 67 $ 12,451,000 $ 185,835 $ 125,000
La Plata, Colorado 67 $ 17,834,000 $ 266,179 $ 91,000
Baltimore City, Maryland 67 $ 11,439,000 $ 170,731 $ 83,000
Virginia Beach, Virginia 67 $ 15,021,000 $ 224,194 $ 86,000
Calaveras, California 66 $ 16,486,000 $ 249,787 $ 114,000
Broomfield, Colorado 66 $ 16,032,000 $ 242,909 $ 104,000
Canyon, Idaho 66 $ 11,566,000 $ 175,242 $ 70,000
Carver, Minnesota 66 $ 17,788,000 $ 269,515 $ 141,000
Cape May, New Jersey 66 $ 18,378,000 $ 278,454 $ 151,000
Wasatch, Utah 66 $ 17,471,000 $ 264,712 $ 109,000
Mesa, Colorado 65 $ 15,342,000 $ 236,030 $ 110,000
Lehigh, Pennsylvania 65 $ 12,694,000 $ 195,292 $ 76,000
Lake, Florida 64 $ 13,621,000 $ 212,828 $ 148,000
Warren, Ohio 64 $ 14,798,000 $ 231,218 $ 105,000
Johnson, Indiana 61 $ 11,280,000 $ 184,918 $ 93,000
Lafourche, Louisiana 61 $ 9,320,000 $ 152,786 $ 70,000
Hampden, Massachusetts 60 $ 11,360,000 $ 189,333 $ 64,000
Flagler, Florida 59 $ 10,240,000 $ 173,559 $ 83,000
Hendricks, Indiana 59 $ 10,808,000 $ 183,186 $ 99,000
Ottawa, Michigan 59 $ 10,467,000 $ 177,406 $ 89,000
Gloucester, New Jersey 59 $ 11,952,000 $ 202,576 $ 89,000
Benton, Oregon 59 $ 13,633,000 $ 231,067 $ 92,000
Charleston, South Carolina 59 $ 14,618,000 $ 247,762 $ 92,000
Merced, California 58 $ 10,651,000 $ 183,637 $ 98,000
Clay, Missouri 58 $ 12,002,000 $ 206,931 $ 101,000
Hunterdon, New Jersey 58 $ 16,561,000 $ 285,534 $ 125,000
Iredell, North Carolina 58 $ 13,270,000 $ 228,793 $ 93,000
Henrico, Virginia 58 $ 13,030,000 $ 224,655 $ 91,000
St. Lucie, Florida 57 $ 10,978,000 $ 192,596 $ 109,000
Northampton, Pennsylvania 57 $ 12,025,000 $ 210,964 $ 91,000
Calcasieu, Louisiana 56 $ 9,439,000 $ 168,553 $ 84,000
Box Elder, Utah 56 $ 11,066,000 $ 197,607 $ 70,000
Lafayette, Louisiana 55 $ 9,301,000 $ 169,109 $ 90,000
Madera, California 54 $ 11,689,000 $ 216,462 $ 97,000
Summit, Colorado 54 $ 17,409,000 $ 322,388 $ 148,000
Escambia, Florida 53 $ 8,997,000 $ 169,754 $ 128,000
Oldham, Kentucky 53 $ 12,926,000 $ 243,886 $ 104,000
Frederick, Maryland 53 $ 14,215,000 $ 268,207 $ 102,000
Cumberland, Pennsylvania 53 $ 9,069,000 $ 171,113 $ 81,000
Shasta, California 52 $ 11,645,000 $ 223,942 $ 135,000
Clayton, Georgia 52 $ 4,795,000 $ 92,211 $ 37,000
Livingston, Michigan 52 $ 11,744,000 $ 225,846 $ 100,000
Cabarrus, North Carolina 52 $ 10,398,000 $ 199,961 $ 82,000
Josephine, Oregon 52 $ 10,915,000 $ 209,903 $ 71,000
Kenton, Kentucky 51 $ 8,858,000 $ 173,686 $ 85,000
Yamhill, Oregon 51 $ 11,730,000 $ 230,000 $ 96,000
St. Tammany, Louisiana 50 $ 9,598,000 $ 191,960 $ 92,000
Lake, Ohio 50 $ 7,594,000 $ 151,880 $ 69,000
Douglas, Nevada 49 $ 13,988,000 $ 285,469 $ 120,000
Delaware, Ohio 49 $ 10,992,000 $ 224,326 $ 114,000
Rutherford, Tennessee 49 $ 8,108,000 $ 165,469 $ 65,000
Atlantic, New Jersey 48 $ 10,451,000 $ 217,729 $ 96,000
York, Pennsylvania 48 $ 8,432,000 $ 175,666 $ 70,000
Kendall, Illinois 47 $ 10,518,000 $ 223,787 $ 92,000
Lake, Indiana 47 $ 8,062,000 $ 171,531 $ 82,000
Shawnee, Kansas 47 $ 5,752,000 $ 122,382 $ 69,000
Wright, Minnesota 47 $ 10,924,000 $ 232,425 $ 88,000
Berks, Pennsylvania 47 $ 9,178,000 $ 195,276 $ 93,000
Terrebonne, Louisiana 46 $ 7,887,000 $ 171,456 $ 87,000
Stearns, Minnesota 46 $ 8,637,000 $ 187,760 $ 75,000
Linn, Oregon 46 $ 8,267,000 $ 179,717 $ 87,000
Brazoria, Texas 46 $ 8,477,000 $ 184,282 $ 93,000
Sussex, Delaware 45 $ 10,413,000 $ 231,400 $ 162,000
Charlotte, Florida 45 $ 8,918,000 $ 198,177 $ 100,000
Okaloosa, Florida 45 $ 9,668,000 $ 214,844 $ 95,000
Hillsborough, New Hampshire 45 $ 10,310,000 $ 229,111 $ 93,000
Boone, Kentucky 44 $ 7,745,000 $ 176,022 $ 87,000
Grand Traverse, Michigan 44 $ 8,173,000 $ 185,750 $ 79,000
Sussex, New Jersey 44 $ 11,788,000 $ 267,909 $ 103,000
Dauphin, Pennsylvania 44 $ 7,722,000 $ 175,500 $ 70,000
Island, Washington 44 $ 10,909,000 $ 247,931 $ 88,000
Lake, California 43 $ 8,369,000 $ 194,627 $ 100,000
New Hanover, North Carolina 43 $ 8,867,000 $ 206,209 $ 97,000
Gila, Arizona 42 $ 10,295,000 $ 245,119 $ 137,000
Gallatin, Montana 42 $ 10,156,000 $ 241,809 $ 101,000
Douglas, Nebraska 42 $ 7,962,000 $ 189,571 $ 102,000
Mendocino, California 41 $ 10,323,000 $ 251,780 $ 92,000
Boone, Indiana 41 $ 8,870,000 $ 216,341 $ 122,000
Harford, Maryland 41 $ 11,270,000 $ 274,878 $ 89,000
Yakima, Washington 41 $ 8,128,000 $ 198,243 $ 85,000
Dane, Wisconsin 41 $ 8,036,000 $ 196,000 $ 129,000
Medina, Ohio 40 $ 7,953,000 $ 198,825 $ 88,000
New Castle, Delaware 39 $ 7,800,000 $ 200,000 $ 104,000
Tippecanoe, Indiana 39 $ 5,946,000 $ 152,461 $ 70,000
York, Maine 39 $ 7,933,000 $ 203,410 $ 87,000
Polk, Oregon 39 $ 7,692,000 $ 197,230 $ 88,000
Windham, Connecticut 38 $ 8,204,000 $ 215,894 $ 68,000
Kootenai, Idaho 38 $ 9,535,000 $ 250,921 $ 93,000
Durham, North Carolina 38 $ 7,138,000 $ 187,842 $ 87,000
Hamilton, Tennessee 38 $ 7,328,000 $ 192,842 $ 107,000
Nassau, Florida 37 $ 9,267,000 $ 250,459 $ 137,000
Monroe, Indiana 37 $ 6,566,000 $ 177,459 $ 80,000
Washington, Pennsylvania 37 $ 6,641,000 $ 179,486 $ 73,000
Douglas, Washington 37 $ 8,328,000 $ 225,081 $ 82,000
Hernando, Florida 36 $ 5,601,000 $ 155,583 $ 82,000
Martin, Florida 36 $ 8,554,000 $ 237,611 $ 127,000
Sherburne, Minnesota 36 $ 6,959,000 $ 193,305 $ 70,000
Spartanburg, South Carolina 36 $ 6,090,000 $ 169,166 $ 77,000
Benton, Arkansas 35 $ 6,283,000 $ 179,514 $ 94,000
Tuolumne, California 35 $ 8,603,000 $ 245,800 $ 97,000
Polk, Iowa 35 $ 6,195,000 $ 177,000 $ 77,000
Stark, Ohio 35 $ 5,318,000 $ 151,942 $ 75,000
Wilson, Tennessee 35 $ 7,240,000 $ 206,857 $ 81,000
Galveston, Texas 35 $ 7,193,000 $ 205,514 $ 134,000
Amador, California 34 $ 7,370,000 $ 216,764 $ 73,000
Walton, Florida 34 $ 9,234,000 $ 271,588 $ 189,000
Fayette, Georgia 34 $ 8,454,000 $ 248,647 $ 94,000
Clermont, Ohio 34 $ 6,667,000 $ 196,088 $ 90,000
Columbia, Oregon 34 $ 6,636,000 $ 195,176 $ 107,000
Beaufort, South Carolina 34 $ 9,278,000 $ 272,882 $ 163,000
Shelby, Tennessee 34 $ 5,639,000 $ 165,852 $ 122,000
Arlington, Virginia 34 $ 11,961,000 $ 351,794 $ 160,000
Madison, Alabama 33 $ 5,587,000 $ 169,303 $ 76,000
Grand, Colorado 33 $ 8,891,000 $ 269,424 $ 125,000
Bay, Florida 33 $ 6,620,000 $ 200,606 $ 130,000
Monroe, Florida 33 $ 10,700,000 $ 324,242 $ 199,000
Latah, Idaho 33 $ 6,289,000 $ 190,575 $ 75,000
Porter, Indiana 33 $ 5,845,000 $ 177,121 $ 85,000
Scott, Kentucky 33 $ 6,076,000 $ 184,121 $ 87,000
Livingston, Louisiana 33 $ 5,448,000 $ 165,090 $ 100,000
Lorain, Ohio 33 $ 6,497,000 $ 196,878 $ 151,000
Indian River, Florida 32 $ 5,841,000 $ 182,531 $ 93,000
Chesterfield, Virginia 32 $ 7,055,000 $ 220,468 $ 77,000
Ingham, Michigan 31 $ 5,373,000 $ 173,322 $ 104,000
Canadian, Oklahoma 31 $ 5,313,000 $ 171,387 $ 69,000
Horry, South Carolina 31 $ 5,766,000 $ 186,000 $ 79,000
Paulding, Georgia 30 $ 5,402,000 $ 180,066 $ 86,000
Bonneville, Idaho 30 $ 6,071,000 $ 202,366 $ 113,000
Buncombe, North Carolina 30 $ 5,654,000 $ 188,466 $ 75,000
Guilford, North Carolina 30 $ 7,455,000 $ 248,500 $ 99,000
Sumner, Tennessee 30 $ 5,834,000 $ 194,466 $ 93,000
Humboldt, California 29 $ 7,167,000 $ 247,137 $ 88,000
Henry, Georgia 29 $ 4,800,000 $ 165,517 $ 95,000
Genesee, Michigan 29 $ 3,949,000 $ 136,172 $ 82,000
Douglas, Oregon 29 $ 5,065,000 $ 174,655 $ 80,000
Monroe, Pennsylvania 29 $ 5,601,000 $ 193,137 $ 87,000
Chesapeake, Virginia 29 $ 6,849,000 $ 236,172 $ 85,000
Cowlitz, Washington 29 $ 6,043,000 $ 208,379 $ 76,000
Eagle, Colorado 28 $ 9,461,000 $ 337,892 $ 169,000
Routt, Colorado 28 $ 8,720,000 $ 311,428 $ 144,000
Rockingham, New Hampshire 28 $ 7,686,000 $ 274,500 $ 101,000
Sevier, Tennessee 28 $ 5,688,000 $ 203,142 $ 347,000
Stafford, Virginia 28 $ 6,970,000 $ 248,928 $ 94,000
Skagit, Washington 28 $ 6,791,000 $ 242,535 $ 81,000
Bonner, Idaho 27 $ 5,517,000 $ 204,333 $ 71,000
Sedgwick, Kansas 27 $ 4,231,000 $ 156,703 $ 80,000
Bullitt, Kentucky 27 $ 4,440,000 $ 164,444 $ 60,000
Warren, New Jersey 27 $ 7,007,000 $ 259,518 $ 105,000
Lincoln, Oregon 27 $ 6,226,000 $ 230,592 $ 128,000
Kings, California 26 $ 4,838,000 $ 186,076 $ 71,000
Citrus, Florida 26 $ 4,359,000 $ 167,653 $ 70,000
Hancock, Indiana 26 $ 5,038,000 $ 193,769 $ 85,000
Ascension, Louisiana 26 $ 5,728,000 $ 220,307 $ 85,000
Platte, Missouri 26 $ 5,092,000 $ 195,846 $ 88,000
Orange, North Carolina 26 $ 6,655,000 $ 255,961 $ 108,000
Portage, Ohio 26 $ 5,136,000 $ 197,538 $ 93,000
Albemarle, Virginia 26 $ 7,289,000 $ 280,346 $ 106,000
Sutter, California 25 $ 4,471,000 $ 178,840 $ 94,000
Chatham, Georgia 25 $ 4,755,000 $ 190,200 $ 98,000
Hall, Georgia 25 $ 5,768,000 $ 230,720 $ 164,000
Brunswick, North Carolina 25 $ 6,168,000 $ 246,720 $ 106,000
Gaston, North Carolina 25 $ 5,080,000 $ 203,200 $ 110,000
Fairfield, Ohio 25 $ 5,112,000 $ 204,480 $ 109,000
Hays, Texas 25 $ 4,462,000 $ 178,480 $ 79,000
Mason, Washington 25 $ 5,154,000 $ 206,160 $ 76,000
Carson City, Nevada 24 $ 7,092,000 $ 295,500 $ 72,000
Washington, Wisconsin 24 $ 4,732,000 $ 197,166 $ 74,000
Jefferson, Alabama 23 $ 3,942,000 $ 171,391 $ 79,000
Sumter, Florida 23 $ 5,401,000 $ 234,826 $ 64,000
Allen, Indiana 23 $ 3,928,000 $ 170,782 $ 78,000
Floyd, Indiana 23 $ 4,596,000 $ 199,826 $ 107,000
Worcester, Maryland 23 $ 5,861,000 $ 254,826 $ 150,000
Olmsted, Minnesota 23 $ 4,462,000 $ 194,000 $ 82,000
Boone, Missouri 23 $ 3,393,000 $ 147,521 $ 60,000
Tillamook, Oregon 23 $ 6,030,000 $ 262,173 $ 183,000
Washington, Rhode Island 23 $ 5,660,000 $ 246,086 $ 110,000
Rockwall, Texas 23 $ 5,714,000 $ 248,434 $ 170,000
Smith, Texas 23 $ 3,181,000 $ 138,304 $ 69,000
Morgan, Utah 23 $ 5,851,000 $ 254,391 $ 90,000
Douglas, Georgia 22 $ 4,148,000 $ 188,545 $ 70,000
Douglas, Kansas 22 $ 3,171,000 $ 144,136 $ 84,000
Campbell, Kentucky 22 $ 3,821,000 $ 173,681 $ 146,000
Carroll, Maryland 22 $ 6,077,000 $ 276,227 $ 102,000
Lucas, Ohio 22 $ 2,914,000 $ 132,454 $ 67,000
Mahoning, Ohio 22 $ 3,224,000 $ 146,545 $ 103,000
Butler, Pennsylvania 22 $ 3,843,000 $ 174,681 $ 71,000
Jefferson, Texas 22 $ 2,871,000 $ 130,500 $ 66,000
Yuma, Arizona 21 $ 3,944,000 $ 187,809 $ 88,000
San Benito, California 21 $ 7,131,000 $ 339,571 $ 101,000
Hood River, Oregon 21 $ 5,090,000 $ 242,380 $ 91,000
Lancaster, Pennsylvania 21 $ 4,701,000 $ 223,857 $ 104,000
Grays Harbor, Washington 21 $ 4,714,000 $ 224,476 $ 167,000
Santa Cruz, Arizona 20 $ 4,028,000 $ 201,400 $ 100,000
Pueblo, Colorado 20 $ 3,355,000 $ 167,750 $ 67,000
Walton, Georgia 20 $ 4,023,000 $ 201,150 $ 80,000
Twin Falls, Idaho 20 $ 3,929,000 $ 196,450 $ 143,000
Clark, Indiana 20 $ 2,672,000 $ 133,600 $ 55,000
St. Charles, Louisiana 20 $ 4,312,000 $ 215,600 $ 106,000
Tangipahoa, Louisiana 20 $ 3,547,000 $ 177,350 $ 73,000
Camden, Missouri 20 $ 3,557,000 $ 177,850 $ 137,000
Cass, Missouri 20 $ 4,610,000 $ 230,500 $ 98,000
Johnston, North Carolina 20 $ 3,990,000 $ 199,500 $ 70,000
Lincoln, North Carolina 20 $ 5,067,000 $ 253,350 $ 94,000
Licking, Ohio 20 $ 3,447,000 $ 172,350 $ 79,000
Kane, Utah 20 $ 4,919,000 $ 245,950 $ 174,000
Uintah, Utah 20 $ 4,085,000 $ 204,250 $ 75,000
Siskiyou, California 19 $ 4,166,000 $ 219,263 $ 90,000
Howard, Indiana 19 $ 2,815,000 $ 148,157 $ 84,000
Morgan, Indiana 19 $ 2,535,000 $ 133,421 $ 75,000
Shelby, Kentucky 19 $ 4,391,000 $ 231,105 $ 87,000
Hampshire, Massachusetts 19 $ 3,625,000 $ 190,789 $ 67,000
St. Louis, Minnesota 19 $ 3,232,000 $ 170,105 $ 89,000
Flathead, Montana 19 $ 3,937,000 $ 207,210 $ 91,000
Westmoreland, Pennsylvania 19 $ 3,408,000 $ 179,368 $ 90,000
Kent, Rhode Island 19 $ 4,216,000 $ 221,894 $ 107,000
Richland, South Carolina 19 $ 2,607,000 $ 137,210 $ 80,000
Hanover, Virginia 19 $ 4,369,000 $ 229,947 $ 83,000
Norfolk, Virginia 19 $ 3,972,000 $ 209,052 $ 59,000
Elbert, Colorado 18 $ 5,335,000 $ 296,388 $ 116,000
Santa Rosa, Florida 18 $ 3,826,000 $ 212,555 $ 93,000
Vanderburgh, Indiana 18 $ 2,612,000 $ 145,111 $ 60,000
Montgomery, Ohio 18 $ 2,746,000 $ 152,555 $ 108,000
Lackawanna, Pennsylvania 18 $ 2,845,000 $ 158,055 $ 57,000
Iron, Utah 18 $ 3,507,000 $ 194,833 $ 68,000
Kittitas, Washington 18 $ 4,294,000 $ 238,555 $ 106,000
Lewis, Washington 18 $ 3,408,000 $ 189,333 $ 75,000
Kenosha, Wisconsin 18 $ 3,453,000 $ 191,833 $ 73,000
Cochise, Arizona 17 $ 2,947,000 $ 173,352 $ 88,000
Imperial, California 17 $ 3,603,000 $ 211,941 $ 127,000
Inyo, California 17 $ 4,590,000 $ 270,000 $ 94,000
Rockdale, Georgia 17 $ 3,315,000 $ 195,000 $ 85,000
Bannock, Idaho 17 $ 2,701,000 $ 158,882 $ 67,000
Bartholomew, Indiana 17 $ 3,466,000 $ 203,882 $ 111,000
Dona Ana, New Mexico 17 $ 3,515,000 $ 206,764 $ 106,000
Geauga, Ohio 17 $ 3,638,000 $ 214,000 $ 111,000
Wagoner, Oklahoma 17 $ 2,618,000 $ 154,000 $ 100,000
Clatsop, Oregon 17 $ 4,446,000 $ 261,529 $ 99,000
Brown, Wisconsin 17 $ 2,667,000 $ 156,882 $ 152,000
Ozaukee, Wisconsin 17 $ 3,877,000 $ 228,058 $ 83,000
Walworth, Wisconsin 17 $ 3,385,000 $ 199,117 $ 86,000
Coweta, Georgia 16 $ 3,263,000 $ 203,937 $ 86,000
Valley, Idaho 16 $ 3,820,000 $ 238,750 $ 121,000
Jessamine, Kentucky 16 $ 3,405,000 $ 212,812 $ 98,000
Spencer, Kentucky 16 $ 2,684,000 $ 167,750 $ 80,000
Calvert, Maryland 16 $ 4,236,000 $ 264,750 $ 118,000
Crow Wing, Minnesota 16 $ 3,239,000 $ 202,437 $ 95,000
Blount, Tennessee 16 $ 3,241,000 $ 202,562 $ 79,000
Sanpete, Utah 16 $ 2,434,000 $ 152,125 $ 73,000
Manassas, Virginia 16 $ 3,194,000 $ 199,625 $ 93,000
Spotsylvania, Virginia 16 $ 4,280,000 $ 267,500 $ 71,000
Racine, Wisconsin 16 $ 2,773,000 $ 173,312 $ 100,000
Muskegon, Michigan 15 $ 2,476,000 $ 165,066 $ 80,000
Sandoval, New Mexico 15 $ 3,259,000 $ 217,266 $ 106,000
Forsyth, North Carolina 15 $ 2,487,000 $ 165,800 $ 67,000
Hidalgo, Texas 15 $ 1,918,000 $ 127,866 $ 75,000
James City, Virginia 15 $ 3,920,000 $ 261,333 $ 112,000
Newport News, Virginia 15 $ 2,914,000 $ 194,266 $ 70,000
York, Virginia 15 $ 3,711,000 $ 247,400 $ 91,000
Albany, Wyoming 15 $ 2,757,000 $ 183,800 $ 63,000
Yuba, California 14 $ 2,642,000 $ 188,714 $ 99,000
Chaffee, Colorado 14 $ 3,396,000 $ 242,571 $ 71,000
Garfield, Colorado 14 $ 4,710,000 $ 336,428 $ 115,000
DeKalb, Illinois 14 $ 2,772,000 $ 198,000 $ 74,000
Hardin, Kentucky 14 $ 2,318,000 $ 165,571 $ 81,000
Chisago, Minnesota 14 $ 3,065,000 $ 218,928 $ 77,000
Cumberland, New Jersey 14 $ 2,497,000 $ 178,357 $ 85,000
Carbon, Pennsylvania 14 $ 2,122,000 $ 151,571 $ 87,000
Georgetown, South Carolina 14 $ 3,686,000 $ 263,285 $ 125,000
Maury, Tennessee 14 $ 2,045,000 $ 146,071 $ 68,000
El Paso, Texas 14 $ 2,516,000 $ 179,714 $ 87,000
Nueces, Texas 14 $ 2,599,000 $ 185,642 $ 102,000
Alexandria, Virginia 14 $ 4,975,000 $ 355,357 $ 136,000
Benton, Washington 14 $ 3,023,000 $ 215,928 $ 81,000
St. Croix, Wisconsin 14 $ 4,021,000 $ 287,214 $ 102,000
Baldwin, Alabama 13 $ 2,949,000 $ 226,846 $ 116,000
Shelby, Alabama 13 $ 2,914,000 $ 224,153 $ 108,000
Garland, Arkansas 13 $ 1,784,000 $ 137,230 $ 82,000
Park, Colorado 13 $ 2,869,000 $ 220,692 $ 79,000
Madison, Idaho 13 $ 2,029,000 $ 156,076 $ 124,000
Winnebago, Illinois 13 $ 2,247,000 $ 172,846 $ 71,000
LaPorte, Indiana 13 $ 2,189,000 $ 168,384 $ 133,000
St. Joseph, Indiana 13 $ 2,277,000 $ 175,153 $ 100,000
Warrick, Indiana 13 $ 2,307,000 $ 177,461 $ 82,000
Dallas, Iowa 13 $ 2,150,000 $ 165,384 $ 88,000
Androscoggin, Maine 13 $ 1,861,000 $ 143,153 $ 47,000
Charles, Maryland 13 $ 2,968,000 $ 228,307 $ 79,000
Otter Tail, Minnesota 13 $ 2,383,000 $ 183,307 $ 88,000
Anderson, South Carolina 13 $ 2,452,000 $ 188,615 $ 70,000
Berkeley, South Carolina 13 $ 3,443,000 $ 264,846 $ 110,000
Ellis, Texas 13 $ 2,854,000 $ 219,538 $ 102,000
Jefferson, Washington 13 $ 3,346,000 $ 257,384 $ 89,000
Klickitat, Washington 13 $ 2,974,000 $ 228,769 $ 100,000
Barrow, Georgia 12 $ 1,831,000 $ 152,583 $ 64,000
Blaine, Idaho 12 $ 3,428,000 $ 285,666 $ 102,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2008

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 57,469 $14,493,802,000 $252,000 $1,578,000 $100,000 $5,586,000
Home Purchase 28,652 $6,727,812,000 $234,000 $1,350,000 $105,000 $6,248,000
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 63,160 $15,289,049,000 $242,000 $1,578,000 $103,000 $6,248,000
Asian 10,615 $2,989,136,000 $281,000 $1,260,000 $109,000 $1,920,000
Hispanic 5,149 $1,233,650,000 $239,000 $1,000,000 $80,000 $1,179,000
Not Provided 4,102 $1,029,302,000 $250,000 $730,000 $110,000 $1,949,000
Black or African American 2,401 $496,352,000 $206,000 $975,000 $82,000 $3,585,000
Native Hawaiian or Other Pacific Islander 314 $81,547,000 $259,000 $730,000 $103,000 $843,000
American Indian or Alaskan Native 226 $57,677,000 $255,000 $1,350,000 $104,000 $1,305,000
Not applicable 154 $44,901,000 $291,000 $417,000 $0 $0

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) 86,121 $21,221,614,000 $246,000 $1,578,000 $102,000 $6,248,000
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 59,352 $14,487,346,000 $244,000 $1,126,000 $102,000 $6,248,000
Application Denied By Financial Institution 23,539 $5,933,428,000 $252,000 $1,578,000 $101,000 $5,582,000
Application Withdrawn By Applicant 3,076 $755,939,000 $245,000 $1,350,000 $114,000 $2,040,000
Loan Purchased By The Institution 154 $44,901,000 $291,000 $417,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 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 10,755 $2,751,464,000 $255,000 $1,578,000 $105,000 $5,582,000
Other 7,251 $1,783,158,000 $245,000 $1,400,000 $109,000 $5,202,000
Debt-To-Income Ratio 3,339 $869,819,000 $260,000 $1,328,000 $71,000 $1,525,000
Unverifiable Information 1,178 $291,399,000 $247,000 $975,000 $104,000 $2,100,000
Insufficient Cash (Downpayment, Closing Cost) 395 $98,706,000 $249,000 $712,000 $103,000 $2,076,000
Credit History 314 $65,016,000 $207,000 $470,000 $82,000 $579,000
Employment History 238 $57,799,000 $242,000 $600,000 $90,000 $616,000
Credit Application Incomplete 35 $8,350,000 $238,000 $640,000 $101,000 $300,000
Mortgage Insurance Denied 34 $7,717,000 $226,000 $417,000 $77,000 $222,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2008 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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