Provident Funding Associates Mortgage Lending & HMDA Data, 2012

In 2012, Provident Funding Associates of Santa Rosa, CA reported 143,711 mortgage applications totaling $41.1 billion, up 41% from 2011. The average application was for $286,109, and applicants reported an average income of $101,765. 56% of its applications resulted in an originated loan and 12% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (11,672), Oakland-Fremont-Hayward, CA (7,641) and Los Angeles-Long Beach-Glendale, CA (6,550) (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 143,711
Total Mortgage Loan Application Amount $41,117,118,000
Average Mortgage Loan Application Amount $286,109
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $101,765
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Provident Funding Associates by County in 2012

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 11,622 $ 4,663,423,000 $ 401,258 $ 144,000
Los Angeles, California 6,550 $ 2,239,333,000 $ 341,882 $ 124,000
Maricopa, Arizona 5,415 $ 1,218,751,000 $ 225,069 $ 111,000
Orange, California 5,316 $ 1,857,631,000 $ 349,441 $ 123,000
Alameda, California 5,265 $ 1,973,129,000 $ 374,763 $ 132,000
San Diego, California 4,759 $ 1,555,701,000 $ 326,896 $ 119,000
King, Washington 4,437 $ 1,418,399,000 $ 319,675 $ 103,000
Salt Lake, Utah 3,743 $ 872,572,000 $ 233,121 $ 96,000
Fairfax, Virginia 2,552 $ 900,899,000 $ 353,016 $ 71,000
San Mateo, California 2,475 $ 1,024,217,000 $ 413,825 $ 150,000
Contra Costa, California 2,376 $ 892,548,000 $ 375,651 $ 139,000
Montgomery, Maryland 2,351 $ 808,387,000 $ 343,848 $ 91,000
Middlesex, Massachusetts 1,781 $ 521,965,000 $ 293,074 $ 0
Utah, Utah 1,589 $ 338,214,000 $ 212,847 $ 89,000
Wake, North Carolina 1,511 $ 365,769,000 $ 242,070 $ 108,000
Davis, Utah 1,505 $ 327,713,000 $ 217,749 $ 89,000
Hartford, Connecticut 1,470 $ 337,699,000 $ 229,727 $ 94,000
Cook, Illinois 1,403 $ 363,180,000 $ 258,859 $ 0
Sacramento, California 1,391 $ 314,421,000 $ 226,039 $ 113,000
Washington, Oregon 1,346 $ 339,314,000 $ 252,090 $ 118,000
Honolulu, Hawaii 1,281 $ 541,911,000 $ 423,037 $ 123,000
Middlesex, New Jersey 1,206 $ 338,971,000 $ 281,070 $ 95,000
Ventura, California 1,182 $ 378,183,000 $ 319,951 $ 114,000
Collin, Texas 1,133 $ 238,078,000 $ 210,130 $ 109,000
Jefferson, Kentucky 1,029 $ 210,270,000 $ 204,344 $ 85,000
San Francisco, California 1,027 $ 416,991,000 $ 406,028 $ 143,000
Hamilton, Indiana 1,019 $ 227,105,000 $ 222,870 $ 131,000
Riverside, California 975 $ 228,670,000 $ 234,533 $ 106,000
Bergen, New Jersey 971 $ 317,204,000 $ 326,677 $ 125,000
Montgomery, Pennsylvania 961 $ 244,138,000 $ 254,045 $ 63,000
DuPage, Illinois 921 $ 222,602,000 $ 241,695 $ 0
Fairfield, Connecticut 885 $ 295,917,000 $ 334,369 $ 158,000
Monmouth, New Jersey 875 $ 265,511,000 $ 303,441 $ 122,000
Howard, Maryland 829 $ 267,543,000 $ 322,729 $ 85,000
San Luis Obispo, California 825 $ 230,083,000 $ 278,888 $ 106,000
Loudoun, Virginia 811 $ 282,621,000 $ 348,484 $ 68,000
Multnomah, Oregon 810 $ 200,355,000 $ 247,351 $ 108,000
Chester, Pennsylvania 809 $ 219,061,000 $ 270,779 $ 63,000
Snohomish, Washington 800 $ 209,404,000 $ 261,755 $ 98,000
Somerset, New Jersey 779 $ 248,695,000 $ 319,249 $ 114,000
San Bernardino, California 770 $ 184,612,000 $ 239,755 $ 99,000
Norfolk, Massachusetts 738 $ 212,946,000 $ 288,544 $ 0
New Haven, Connecticut 736 $ 179,982,000 $ 244,540 $ 116,000
Sonoma, California 728 $ 199,128,000 $ 273,527 $ 105,000
Mecklenburg, North Carolina 721 $ 177,591,000 $ 246,312 $ 122,000
Morris, New Jersey 714 $ 224,411,000 $ 314,301 $ 115,000
Lake, Illinois 698 $ 184,691,000 $ 264,600 $ 0
Douglas, Colorado 684 $ 173,968,000 $ 254,339 $ 101,000
Oakland, Michigan 669 $ 143,117,000 $ 213,926 $ 111,000
Arapahoe, Colorado 659 $ 159,214,000 $ 241,599 $ 95,000
Bucks, Pennsylvania 659 $ 168,272,000 $ 255,344 $ 60,000
Boulder, Colorado 644 $ 173,565,000 $ 269,510 $ 112,000
Hennepin, Minnesota 632 $ 139,115,000 $ 220,118 $ 111,000
Jefferson, Colorado 629 $ 148,522,000 $ 236,124 $ 107,000
Lane, Oregon 625 $ 114,143,000 $ 182,628 $ 82,000
Harris, Texas 610 $ 139,010,000 $ 227,885 $ 102,000
Denver, Colorado 592 $ 162,973,000 $ 275,292 $ 92,000
Dallas, Texas 569 $ 128,112,000 $ 225,152 $ 119,000
Placer, California 560 $ 146,123,000 $ 260,933 $ 122,000
Fulton, Georgia 548 $ 146,452,000 $ 267,248 $ 135,000
Pima, Arizona 545 $ 116,780,000 $ 214,275 $ 99,000
Marin, California 526 $ 207,689,000 $ 394,846 $ 148,000
Denton, Texas 526 $ 115,248,000 $ 219,102 $ 105,000
Ocean, New Jersey 522 $ 128,213,000 $ 245,618 $ 93,000
Santa Cruz, California 511 $ 178,075,000 $ 348,483 $ 127,000
Marion, Indiana 494 $ 88,353,000 $ 178,852 $ 102,000
Essex, New Jersey 479 $ 160,708,000 $ 335,507 $ 134,000
Santa Barbara, California 477 $ 172,073,000 $ 360,740 $ 134,000
St. Louis, Missouri 463 $ 107,320,000 $ 231,792 $ 94,000
Weber, Utah 458 $ 94,841,000 $ 207,076 $ 79,000
Union, New Jersey 454 $ 147,099,000 $ 324,006 $ 117,000
Fort Bend, Texas 453 $ 98,215,000 $ 216,810 $ 116,000
Clackamas, Oregon 437 $ 106,126,000 $ 242,851 $ 102,000
Essex, Massachusetts 428 $ 122,081,000 $ 285,235 $ 0
Will, Illinois 427 $ 103,296,000 $ 241,911 $ 0
El Dorado, California 397 $ 104,845,000 $ 264,093 $ 117,000
Worcester, Massachusetts 392 $ 97,178,000 $ 247,903 $ 0
Baltimore, Maryland 383 $ 96,047,000 $ 250,775 $ 71,000
Burlington, New Jersey 380 $ 93,452,000 $ 245,926 $ 104,000
Broward, Florida 378 $ 95,913,000 $ 253,738 $ 0
Delaware, Pennsylvania 370 $ 93,481,000 $ 252,651 $ 56,000
Fayette, Kentucky 356 $ 67,143,000 $ 188,603 $ 92,000
Cobb, Georgia 353 $ 80,814,000 $ 228,934 $ 125,000
Larimer, Colorado 348 $ 75,215,000 $ 216,135 $ 83,000
Mercer, New Jersey 345 $ 98,399,000 $ 285,214 $ 123,000
Palm Beach, Florida 323 $ 80,284,000 $ 248,557 $ 0
San Joaquin, California 316 $ 65,273,000 $ 206,560 $ 119,000
Cumberland, Maine 310 $ 69,226,000 $ 223,309 $ 125,000
Washington, Utah 310 $ 64,221,000 $ 207,164 $ 97,000
Clark, Nevada 298 $ 52,207,000 $ 175,191 $ 83,000
Anne Arundel, Maryland 289 $ 80,815,000 $ 279,636 $ 73,000
Prince William, Virginia 289 $ 79,879,000 $ 276,397 $ 60,000
Tarrant, Texas 282 $ 55,585,000 $ 197,109 $ 88,000
Wayne, Michigan 274 $ 61,038,000 $ 222,766 $ 108,000
Travis, Texas 272 $ 64,404,000 $ 236,779 $ 105,000
Forsyth, Georgia 271 $ 68,633,000 $ 253,258 $ 120,000
Philadelphia, Pennsylvania 271 $ 54,816,000 $ 202,273 $ 44,000
Gwinnett, Georgia 263 $ 51,504,000 $ 195,832 $ 117,000
Summit, Utah 261 $ 87,666,000 $ 335,885 $ 144,000
Yavapai, Arizona 258 $ 53,299,000 $ 206,585 $ 83,000
Pierce, Washington 258 $ 64,670,000 $ 250,658 $ 104,000
Passaic, New Jersey 256 $ 66,743,000 $ 260,714 $ 107,000
Yolo, California 250 $ 68,237,000 $ 272,948 $ 113,000
Johnson, Kansas 246 $ 52,243,000 $ 212,369 $ 111,000
Solano, California 245 $ 59,528,000 $ 242,971 $ 107,000
Middlesex, Connecticut 245 $ 58,589,000 $ 239,138 $ 103,000
Cache, Utah 245 $ 44,811,000 $ 182,902 $ 66,000
Monterey, California 239 $ 70,609,000 $ 295,435 $ 111,000
Adams, Colorado 237 $ 48,827,000 $ 206,021 $ 89,000
Camden, New Jersey 236 $ 52,413,000 $ 222,088 $ 101,000
Kane, Illinois 225 $ 49,426,000 $ 219,671 $ 0
Plymouth, Massachusetts 225 $ 56,538,000 $ 251,280 $ 0
DeKalb, Georgia 224 $ 56,966,000 $ 254,312 $ 119,000
Hunterdon, New Jersey 222 $ 65,572,000 $ 295,369 $ 104,000
El Paso, Colorado 221 $ 51,333,000 $ 232,276 $ 106,000
Clark, Washington 219 $ 45,036,000 $ 205,643 $ 90,000
Hillsborough, Florida 217 $ 49,562,000 $ 228,396 $ 0
Oldham, Kentucky 215 $ 53,320,000 $ 248,000 $ 83,000
Dakota, Minnesota 211 $ 43,742,000 $ 207,308 $ 105,000
Lehigh, Pennsylvania 210 $ 45,156,000 $ 215,028 $ 63,000
Allegheny, Pennsylvania 203 $ 41,270,000 $ 203,300 $ 68,000
Union, North Carolina 197 $ 51,628,000 $ 262,071 $ 117,000
Fresno, California 196 $ 43,721,000 $ 223,066 $ 98,000
Napa, California 194 $ 60,079,000 $ 309,685 $ 108,000
Orange, Florida 190 $ 44,003,000 $ 231,594 $ 0
Tolland, Connecticut 185 $ 40,810,000 $ 220,594 $ 92,000
St. Charles, Missouri 185 $ 36,858,000 $ 199,232 $ 98,000
Arlington, Virginia 184 $ 72,533,000 $ 394,201 $ 96,000
Washington, Minnesota 170 $ 39,699,000 $ 233,523 $ 110,000
Deschutes, Oregon 169 $ 35,277,000 $ 208,739 $ 83,000
Bristol, Massachusetts 162 $ 38,915,000 $ 240,216 $ 0
Gloucester, New Jersey 159 $ 31,175,000 $ 196,069 $ 71,000
Washtenaw, Michigan 158 $ 32,928,000 $ 208,405 $ 110,000
Nevada, California 157 $ 42,030,000 $ 267,707 $ 146,000
Ramsey, Minnesota 156 $ 30,680,000 $ 196,666 $ 99,000
Miami-Dade, Florida 152 $ 39,752,000 $ 261,526 $ 0
Henrico, Virginia 150 $ 40,943,000 $ 272,953 $ 61,000
Marion, Oregon 147 $ 28,297,000 $ 192,496 $ 49,000
Pinellas, Florida 146 $ 31,735,000 $ 217,363 $ 0
Boone, Indiana 145 $ 35,776,000 $ 246,731 $ 157,000
Suffolk, Massachusetts 145 $ 39,518,000 $ 272,537 $ 0
New London, Connecticut 141 $ 32,805,000 $ 232,659 $ 108,000
Frederick, Maryland 140 $ 38,189,000 $ 272,778 $ 70,000
Hawaii, Hawaii 139 $ 39,272,000 $ 282,532 $ 125,000
Litchfield, Connecticut 137 $ 30,783,000 $ 224,693 $ 98,000
Tulsa, Oklahoma 135 $ 28,063,000 $ 207,874 $ 116,000
New Castle, Delaware 134 $ 32,013,000 $ 238,902 $ 67,000
Waukesha, Wisconsin 134 $ 31,552,000 $ 235,462 $ 123,000
Spokane, Washington 133 $ 27,875,000 $ 209,586 $ 89,000
Broomfield, Colorado 132 $ 34,059,000 $ 258,022 $ 123,000
Pinal, Arizona 131 $ 22,061,000 $ 168,404 $ 82,000
Macomb, Michigan 128 $ 21,565,000 $ 168,476 $ 94,000
Bernalillo, New Mexico 128 $ 26,331,000 $ 205,710 $ 109,000
Barnstable, Massachusetts 125 $ 32,219,000 $ 257,752 $ 0
Guilford, North Carolina 124 $ 26,661,000 $ 215,008 $ 98,000
Franklin, Ohio 124 $ 26,068,000 $ 210,225 $ 80,000
Sussex, New Jersey 123 $ 29,602,000 $ 240,666 $ 87,000
Williamson, Texas 123 $ 22,280,000 $ 181,138 $ 90,000
Washington, Arkansas 122 $ 24,871,000 $ 203,860 $ 107,000
Rockingham, New Hampshire 121 $ 32,382,000 $ 267,619 $ 23,000
Hudson, New Jersey 121 $ 32,878,000 $ 271,719 $ 102,000
Durham, North Carolina 120 $ 22,556,000 $ 187,966 $ 92,000
Kern, California 117 $ 26,470,000 $ 226,239 $ 118,000
Ada, Idaho 116 $ 26,362,000 $ 227,258 $ 112,000
Anoka, Minnesota 113 $ 21,036,000 $ 186,159 $ 91,000
Yakima, Washington 113 $ 24,197,000 $ 214,132 $ 108,000
Thurston, Washington 112 $ 24,874,000 $ 222,089 $ 98,000
Floyd, Indiana 111 $ 23,036,000 $ 207,531 $ 95,000
Kitsap, Washington 111 $ 28,979,000 $ 261,072 $ 115,000
Coconino, Arizona 110 $ 25,088,000 $ 228,072 $ 144,000
Cherokee, Georgia 110 $ 22,257,000 $ 202,336 $ 113,000
Clark, Indiana 110 $ 19,274,000 $ 175,218 $ 76,000
York, Maine 110 $ 22,929,000 $ 208,445 $ 99,000
Hamilton, Ohio 110 $ 25,050,000 $ 227,727 $ 87,000
Weld, Colorado 108 $ 22,711,000 $ 210,287 $ 98,000
Seminole, Florida 108 $ 22,314,000 $ 206,611 $ 1,000
Hendricks, Indiana 108 $ 18,542,000 $ 171,685 $ 93,000
Johnson, Indiana 108 $ 19,447,000 $ 180,064 $ 93,000
Northampton, Pennsylvania 107 $ 23,229,000 $ 217,093 $ 76,000
La Plata, Colorado 105 $ 28,977,000 $ 275,971 $ 102,000
Stanislaus, California 104 $ 19,091,000 $ 183,567 $ 108,000
Hillsborough, New Hampshire 103 $ 23,298,000 $ 226,194 $ 23,000
Cabarrus, North Carolina 102 $ 21,890,000 $ 214,607 $ 105,000
New Hanover, North Carolina 101 $ 21,113,000 $ 209,039 $ 97,000
Tooele, Utah 101 $ 18,064,000 $ 178,851 $ 76,000
Harford, Maryland 100 $ 26,776,000 $ 267,760 $ 74,000
Cumberland, Pennsylvania 100 $ 22,888,000 $ 228,880 $ 58,000
Scott, Minnesota 99 $ 22,365,000 $ 225,909 $ 100,000
Chesterfield, Virginia 99 $ 24,144,000 $ 243,878 $ 62,000
Prince George's, Maryland 98 $ 22,225,000 $ 226,785 $ 80,000
Wasatch, Utah 98 $ 23,985,000 $ 244,744 $ 114,000
Virginia Beach, Virginia 98 $ 25,143,000 $ 256,561 $ 48,000
Butte, California 97 $ 21,288,000 $ 219,463 $ 88,000
Jackson, Missouri 97 $ 18,370,000 $ 189,381 $ 105,000
Benton, Oregon 96 $ 20,197,000 $ 210,385 $ 96,000
Jefferson, Louisiana 95 $ 15,811,000 $ 166,431 $ 119,000
McHenry, Illinois 93 $ 17,567,000 $ 188,892 $ 0
York, South Carolina 91 $ 20,688,000 $ 227,340 $ 94,000
Duval, Florida 89 $ 18,515,000 $ 208,033 $ 0
Atlantic, New Jersey 87 $ 22,082,000 $ 253,816 $ 107,000
Oklahoma, Oklahoma 87 $ 17,753,000 $ 204,057 $ 99,000
Jackson, Oregon 87 $ 19,663,000 $ 226,011 $ 88,000
Lee, Florida 85 $ 17,067,000 $ 200,788 $ 1,000
Cuyahoga, Ohio 85 $ 16,998,000 $ 199,976 $ 87,000
Carroll, Maryland 82 $ 20,694,000 $ 252,365 $ 46,000
Williamson, Tennessee 82 $ 22,872,000 $ 278,926 $ 111,000
Cape May, New Jersey 81 $ 21,979,000 $ 271,345 $ 118,000
Bexar, Texas 81 $ 16,647,000 $ 205,518 $ 92,000
Brazoria, Texas 80 $ 15,183,000 $ 189,787 $ 99,000
Greenville, South Carolina 79 $ 15,213,000 $ 192,569 $ 106,000
Davidson, Tennessee 79 $ 14,877,000 $ 188,316 $ 93,000
Dane, Wisconsin 79 $ 18,374,000 $ 232,582 $ 112,000
Iredell, North Carolina 78 $ 20,176,000 $ 258,666 $ 128,000
Maui, Hawaii 77 $ 30,217,000 $ 392,428 $ 107,000
Warren, Ohio 77 $ 17,350,000 $ 225,324 $ 91,000
Alexandria, Virginia 77 $ 28,747,000 $ 373,337 $ 89,000
Clay, Missouri 76 $ 14,978,000 $ 197,078 $ 100,000
Benton, Arkansas 75 $ 17,103,000 $ 228,040 $ 116,000
Montgomery, Texas 70 $ 15,759,000 $ 225,128 $ 84,000
Box Elder, Utah 70 $ 13,407,000 $ 191,528 $ 90,000
Lancaster, Pennsylvania 69 $ 13,330,000 $ 193,188 $ 39,000
Madison, Mississippi 68 $ 15,062,000 $ 221,500 $ 109,000
Orange, North Carolina 68 $ 17,839,000 $ 262,338 $ 121,000
Summit, Ohio 68 $ 13,222,000 $ 194,441 $ 85,000
Shasta, California 67 $ 13,360,000 $ 199,402 $ 74,000
St. Johns, Florida 66 $ 15,028,000 $ 227,696 $ 0
Stafford, Virginia 66 $ 19,860,000 $ 300,909 $ 73,000
Shawnee, Kansas 64 $ 11,489,000 $ 179,515 $ 101,000
Butler, Ohio 64 $ 12,468,000 $ 194,812 $ 72,000
Berks, Pennsylvania 64 $ 11,710,000 $ 182,968 $ 49,000
Carver, Minnesota 63 $ 14,897,000 $ 236,460 $ 100,000
Tulare, California 62 $ 13,105,000 $ 211,370 $ 106,000
Island, Washington 62 $ 16,540,000 $ 266,774 $ 131,000
Baltimore City, Maryland 61 $ 14,177,000 $ 232,409 $ 57,000
Whatcom, Washington 61 $ 14,813,000 $ 242,836 $ 84,000
Brevard, Florida 60 $ 12,250,000 $ 204,166 $ 1,000
Manatee, Florida 60 $ 13,626,000 $ 227,100 $ 0
Lake, Indiana 60 $ 12,038,000 $ 200,633 $ 88,000
Warren, New Jersey 60 $ 12,840,000 $ 214,000 $ 50,000
Tippecanoe, Indiana 58 $ 10,794,000 $ 186,103 $ 108,000
Milwaukee, Wisconsin 56 $ 10,762,000 $ 192,178 $ 110,000
Hancock, Indiana 55 $ 9,525,000 $ 173,181 $ 84,000
Pulaski, Arkansas 54 $ 10,582,000 $ 195,962 $ 36,000
Calaveras, California 54 $ 10,931,000 $ 202,425 $ 146,000
St. Joseph, Indiana 54 $ 10,508,000 $ 194,592 $ 104,000
Washoe, Nevada 54 $ 13,543,000 $ 250,796 $ 141,000
Forsyth, North Carolina 54 $ 12,328,000 $ 228,296 $ 93,000
Dauphin, Pennsylvania 54 $ 11,414,000 $ 211,370 $ 59,000
York, Virginia 54 $ 14,168,000 $ 262,370 $ 55,000
Fayette, Georgia 53 $ 12,278,000 $ 231,660 $ 150,000
Kauai, Hawaii 53 $ 20,498,000 $ 386,754 $ 119,000
Bullitt, Kentucky 53 $ 9,897,000 $ 186,735 $ 67,000
Benton, Washington 53 $ 11,205,000 $ 211,415 $ 95,000
Alachua, Florida 52 $ 11,258,000 $ 216,500 $ 0
Sarasota, Florida 52 $ 10,410,000 $ 200,192 $ 0
Albemarle, Virginia 51 $ 11,831,000 $ 231,980 $ 40,000
San Benito, California 50 $ 12,484,000 $ 249,680 $ 89,000
Delaware, Ohio 50 $ 11,800,000 $ 236,000 $ 71,000
Mohave, Arizona 49 $ 8,791,000 $ 179,408 $ 107,000
Pasco, Florida 49 $ 9,743,000 $ 198,836 $ 0
Butler, Pennsylvania 49 $ 10,843,000 $ 221,285 $ 50,000
York, Pennsylvania 48 $ 8,430,000 $ 175,625 $ 25,000
Fairfax City, Virginia 47 $ 15,767,000 $ 335,468 $ 52,000
Missoula, Montana 46 $ 9,634,000 $ 209,434 $ 78,000
Washington, Rhode Island 46 $ 10,425,000 $ 226,630 $ 0
Wright, Minnesota 45 $ 8,220,000 $ 182,666 $ 97,000
Charleston, South Carolina 45 $ 12,284,000 $ 272,977 $ 135,000
Calvert, Maryland 44 $ 12,127,000 $ 275,613 $ 91,000
Hall, Georgia 43 $ 9,848,000 $ 229,023 $ 119,000
Polk, Iowa 43 $ 9,022,000 $ 209,813 $ 94,000
Clermont, Ohio 43 $ 8,739,000 $ 203,232 $ 100,000
Galveston, Texas 43 $ 9,500,000 $ 220,930 $ 79,000
Navajo, Arizona 42 $ 8,713,000 $ 207,452 $ 146,000
Jessamine, Kentucky 42 $ 11,344,000 $ 270,095 $ 129,000
Gaston, North Carolina 42 $ 8,040,000 $ 191,428 $ 83,000
Madison, Alabama 41 $ 7,190,000 $ 175,365 $ 100,000
Kendall, Illinois 41 $ 7,840,000 $ 191,219 $ 0
Orleans, Louisiana 41 $ 10,592,000 $ 258,341 $ 141,000
St. Tammany, Louisiana 41 $ 8,421,000 $ 205,390 $ 116,000
Morgan, Utah 41 $ 10,645,000 $ 259,634 $ 86,000
Summit, Colorado 40 $ 12,228,000 $ 305,700 $ 141,000
Hampden, Massachusetts 40 $ 8,442,000 $ 211,050 $ 0
Platte, Missouri 40 $ 8,257,000 $ 206,425 $ 105,000
Westmoreland, Pennsylvania 40 $ 6,977,000 $ 174,425 $ 40,000
Tuolumne, California 39 $ 7,619,000 $ 195,358 $ 118,000
Jefferson, Missouri 38 $ 6,268,000 $ 164,947 $ 75,000
Polk, Oregon 38 $ 7,099,000 $ 186,815 $ 64,000
Chelan, Washington 38 $ 8,930,000 $ 235,000 $ 116,000
Kootenai, Idaho 37 $ 7,107,000 $ 192,081 $ 79,000
East Baton Rouge, Louisiana 37 $ 7,834,000 $ 211,729 $ 105,000
Cleveland, Oklahoma 37 $ 7,282,000 $ 196,810 $ 103,000
Bristol, Rhode Island 37 $ 9,572,000 $ 258,702 $ 0
Chesapeake, Virginia 37 $ 9,340,000 $ 252,432 $ 53,000
Boone, Kentucky 36 $ 7,878,000 $ 218,833 $ 90,000
Providence, Rhode Island 36 $ 7,963,000 $ 221,194 $ 0
Shelby, Tennessee 36 $ 7,952,000 $ 220,888 $ 105,000
Peoria, Illinois 35 $ 7,375,000 $ 210,714 $ 0
Spencer, Kentucky 35 $ 6,397,000 $ 182,771 $ 64,000
Yamhill, Oregon 35 $ 7,798,000 $ 222,800 $ 81,000
Gila, Arizona 34 $ 5,829,000 $ 171,441 $ 101,000
Humboldt, California 34 $ 8,055,000 $ 236,911 $ 90,000
Mendocino, California 34 $ 6,539,000 $ 192,323 $ 70,000
Collier, Florida 34 $ 8,376,000 $ 246,352 $ 0
Volusia, Florida 34 $ 7,123,000 $ 209,500 $ 0
Scott, Kentucky 34 $ 6,633,000 $ 195,088 $ 89,000
Stark, Ohio 34 $ 4,077,000 $ 119,911 $ 66,000
Hamilton, Tennessee 34 $ 5,569,000 $ 163,794 $ 71,000
Knox, Tennessee 33 $ 5,793,000 $ 175,545 $ 81,000
Mesa, Colorado 32 $ 7,571,000 $ 236,593 $ 68,000
Allen, Indiana 32 $ 5,114,000 $ 159,812 $ 75,000
Franklin, Kentucky 32 $ 5,993,000 $ 187,281 $ 84,000
Shelby, Kentucky 32 $ 7,675,000 $ 239,843 $ 79,000
Brunswick, North Carolina 32 $ 6,154,000 $ 192,312 $ 86,000
Lincoln, North Carolina 32 $ 7,974,000 $ 249,187 $ 108,000
Sanpete, Utah 32 $ 4,984,000 $ 155,750 $ 68,000
Merced, California 31 $ 5,408,000 $ 174,451 $ 103,000
Morgan, Indiana 31 $ 5,406,000 $ 174,387 $ 82,000
Porter, Indiana 31 $ 6,135,000 $ 197,903 $ 83,000
St. Louis City, Missouri 31 $ 5,710,000 $ 184,193 $ 85,000
Washington, Pennsylvania 31 $ 6,864,000 $ 221,419 $ 60,000
Bartholomew, Indiana 30 $ 6,027,000 $ 200,900 $ 138,000
Douglas, Nevada 30 $ 7,764,000 $ 258,800 $ 111,000
Chatham, North Carolina 30 $ 8,715,000 $ 290,500 $ 107,000
Hays, Texas 30 $ 6,418,000 $ 213,933 $ 75,000
Outagamie, Wisconsin 30 $ 5,384,000 $ 179,466 $ 89,000
Kent, Michigan 29 $ 4,787,000 $ 165,068 $ 74,000
Sandoval, New Mexico 29 $ 6,002,000 $ 206,965 $ 80,000
Johnston, North Carolina 28 $ 5,038,000 $ 179,928 $ 87,000
Hanover, Virginia 28 $ 6,012,000 $ 214,714 $ 47,000
James City, Virginia 28 $ 6,624,000 $ 236,571 $ 80,000
Grand, Colorado 27 $ 6,239,000 $ 231,074 $ 218,000
Sussex, Delaware 27 $ 6,606,000 $ 244,666 $ 50,000
Henry, Georgia 27 $ 4,871,000 $ 180,407 $ 110,000
Lincoln, Oregon 27 $ 5,942,000 $ 220,074 $ 123,000
Brown, Wisconsin 27 $ 4,513,000 $ 167,148 $ 86,000
Ingham, Michigan 26 $ 4,707,000 $ 181,038 $ 112,000
Buncombe, North Carolina 26 $ 5,268,000 $ 202,615 $ 82,000
Linn, Oregon 26 $ 3,429,000 $ 131,884 $ 60,000
Centre, Pennsylvania 26 $ 6,522,000 $ 250,846 $ 46,000
Richland, South Carolina 26 $ 5,529,000 $ 212,653 $ 97,000
Strafford, New Hampshire 25 $ 5,117,000 $ 204,680 $ 21,000
Fauquier, Virginia 25 $ 6,900,000 $ 276,000 $ 64,000
Richmond City, Virginia 25 $ 6,595,000 $ 263,800 $ 38,000
Chatham, Georgia 24 $ 5,615,000 $ 233,958 $ 92,000
Sedgwick, Kansas 24 $ 3,968,000 $ 165,333 $ 112,000
Kenton, Kentucky 24 $ 4,669,000 $ 194,541 $ 98,000
Madison, Kentucky 24 $ 3,912,000 $ 163,000 $ 84,000
Lafourche, Louisiana 24 $ 4,706,000 $ 196,083 $ 86,000
Salem, New Jersey 24 $ 4,331,000 $ 180,458 $ 48,000
Cass, North Dakota 24 $ 5,023,000 $ 209,291 $ 131,000
Fairfield, Ohio 24 $ 4,167,000 $ 173,625 $ 71,000
Lexington, South Carolina 24 $ 4,644,000 $ 193,500 $ 83,000
Iron, Utah 24 $ 4,309,000 $ 179,541 $ 60,000
Mason, Washington 24 $ 5,606,000 $ 233,583 $ 127,000
Skagit, Washington 24 $ 6,347,000 $ 264,458 $ 127,000
Cochise, Arizona 23 $ 4,495,000 $ 195,434 $ 65,000
Martin, Florida 23 $ 4,881,000 $ 212,217 $ 0
Coweta, Georgia 23 $ 3,957,000 $ 172,043 $ 99,000
Harrison, Indiana 23 $ 4,388,000 $ 190,782 $ 97,000
Josephine, Oregon 23 $ 4,716,000 $ 205,043 $ 71,000
Kent, Rhode Island 23 $ 4,411,000 $ 191,782 $ 0
Washington, Wisconsin 23 $ 4,974,000 $ 216,260 $ 210,000
Jefferson, Alabama 22 $ 5,238,000 $ 238,090 $ 121,000
Shelby, Alabama 22 $ 3,536,000 $ 160,727 $ 70,000
Amador, California 22 $ 4,495,000 $ 204,318 $ 104,000
Madera, California 22 $ 4,249,000 $ 193,136 $ 105,000
Lake, Florida 22 $ 3,975,000 $ 180,681 $ 0
Monroe, Indiana 22 $ 3,904,000 $ 177,454 $ 162,000
Ascension, Louisiana 22 $ 4,079,000 $ 185,409 $ 78,000
St. Charles, Louisiana 22 $ 3,971,000 $ 180,500 $ 97,000
Livingston, Michigan 22 $ 4,478,000 $ 203,545 $ 110,000
Luzerne, Pennsylvania 22 $ 4,935,000 $ 224,318 $ 58,000
Saline, Arkansas 21 $ 3,786,000 $ 180,285 $ 29,000
Osceola, Florida 21 $ 4,048,000 $ 192,761 $ 0
Queen Anne's, Maryland 21 $ 5,656,000 $ 269,333 $ 62,000
Moore, North Carolina 21 $ 3,888,000 $ 185,142 $ 78,000
Columbia, Oregon 21 $ 4,534,000 $ 215,904 $ 83,000
Douglas, Oregon 21 $ 4,063,000 $ 193,476 $ 86,000
Rutherford, Tennessee 21 $ 3,117,000 $ 148,428 $ 74,000
Montgomery, Virginia 21 $ 4,962,000 $ 236,285 $ 38,000
Norfolk, Virginia 21 $ 5,978,000 $ 284,666 $ 53,000
Windham, Connecticut 20 $ 3,831,000 $ 191,550 $ 83,000
Polk, Florida 20 $ 3,247,000 $ 162,350 $ 0
Blaine, Idaho 20 $ 5,097,000 $ 254,850 $ 116,000
Worcester, Maryland 20 $ 4,610,000 $ 230,500 $ 75,000
Greene, Missouri 20 $ 5,150,000 $ 257,500 $ 113,000
Santa Fe, New Mexico 20 $ 6,523,000 $ 326,150 $ 149,000
Hood River, Oregon 20 $ 4,772,000 $ 238,600 $ 109,000
Lancaster, South Carolina 20 $ 4,083,000 $ 204,150 $ 72,000
Wilson, Tennessee 20 $ 3,833,000 $ 191,650 $ 78,000
Columbia, Georgia 19 $ 5,123,000 $ 269,631 $ 138,000
Cecil, Maryland 19 $ 4,643,000 $ 244,368 $ 65,000
Midland, Michigan 19 $ 3,590,000 $ 188,947 $ 102,000
Clallam, Washington 19 $ 4,167,000 $ 219,315 $ 68,000
Routt, Colorado 18 $ 5,362,000 $ 297,888 $ 206,000
Charlotte, Florida 18 $ 3,980,000 $ 221,111 $ 12,000
Anderson, Kentucky 18 $ 2,872,000 $ 159,555 $ 72,000
St. Mary's, Maryland 18 $ 4,827,000 $ 268,166 $ 54,000
Sherburne, Minnesota 18 $ 2,915,000 $ 161,944 $ 84,000
Grafton, New Hampshire 18 $ 3,392,000 $ 188,444 $ 0
Dona Ana, New Mexico 18 $ 3,617,000 $ 200,944 $ 92,000
Rogers, Oklahoma 18 $ 3,131,000 $ 173,944 $ 91,000
Lackawanna, Pennsylvania 18 $ 3,333,000 $ 185,166 $ 45,000
Rockwall, Texas 18 $ 3,837,000 $ 213,166 $ 54,000
Park, Colorado 17 $ 2,749,000 $ 161,705 $ 113,000
Woodford, Kentucky 17 $ 3,756,000 $ 220,941 $ 92,000
Cass, Missouri 17 $ 3,046,000 $ 179,176 $ 79,000
Douglas, Nebraska 17 $ 3,421,000 $ 201,235 $ 92,000
Monroe, Pennsylvania 17 $ 2,801,000 $ 164,764 $ 50,000
Beaufort, South Carolina 17 $ 4,181,000 $ 245,941 $ 147,000
Horry, South Carolina 17 $ 3,102,000 $ 182,470 $ 84,000
Parker, Texas 17 $ 4,093,000 $ 240,764 $ 80,000
Uintah, Utah 17 $ 3,044,000 $ 179,058 $ 68,000
Mono, California 16 $ 4,595,000 $ 287,187 $ 142,000
Clear Creek, Colorado 16 $ 4,584,000 $ 286,500 $ 85,000
Eagle, Colorado 16 $ 4,396,000 $ 274,750 $ 137,000
Clay, Florida 16 $ 3,603,000 $ 225,187 $ 0
Leon, Florida 16 $ 3,057,000 $ 191,062 $ 0
Madison, Indiana 16 $ 2,992,000 $ 187,000 $ 102,000
Gallatin, Montana 16 $ 3,709,000 $ 231,812 $ 90,000
Cumberland, New Jersey 16 $ 2,659,000 $ 166,187 $ 57,000
Clatsop, Oregon 16 $ 3,826,000 $ 239,125 $ 149,000
Tillamook, Oregon 16 $ 4,225,000 $ 264,062 $ 144,000
Spartanburg, South Carolina 16 $ 2,447,000 $ 152,937 $ 70,000
Falls Church, Virginia 16 $ 6,834,000 $ 427,125 $ 104,000
Spotsylvania, Virginia 16 $ 4,679,000 $ 292,437 $ 61,000
Kittitas, Washington 16 $ 3,974,000 $ 248,375 $ 128,000
Winnebago, Wisconsin 16 $ 3,186,000 $ 199,125 $ 111,000
Garfield, Colorado 15 $ 3,855,000 $ 257,000 $ 61,000
Marion, Florida 15 $ 2,093,000 $ 139,533 $ 0
Clarke, Georgia 15 $ 2,076,000 $ 138,400 $ 80,000
Bonneville, Idaho 15 $ 3,180,000 $ 212,000 $ 81,000
Ottawa, Michigan 15 $ 2,690,000 $ 179,333 $ 42,000
Boone, Missouri 15 $ 2,979,000 $ 198,600 $ 107,000
Camden, Missouri 15 $ 3,431,000 $ 228,733 $ 139,000
Catawba, North Carolina 15 $ 3,609,000 $ 240,600 $ 196,000
Geauga, Ohio 15 $ 2,804,000 $ 186,933 $ 76,000
Medina, Ohio 15 $ 2,547,000 $ 169,800 $ 104,000
Goochland, Virginia 15 $ 4,003,000 $ 266,866 $ 70,000
Jefferson, Washington 15 $ 3,109,000 $ 207,266 $ 76,000
Ozaukee, Wisconsin 15 $ 3,155,000 $ 210,333 $ 96,000
St. Croix, Wisconsin 15 $ 3,617,000 $ 241,133 $ 93,000
Yuma, Arizona 14 $ 2,956,000 $ 211,142 $ 73,000
Lake, California 14 $ 2,627,000 $ 187,642 $ 91,000
Elbert, Colorado 14 $ 3,433,000 $ 245,214 $ 91,000
Flagler, Florida 14 $ 2,256,000 $ 161,142 $ 0
DeKalb, Illinois 14 $ 2,423,000 $ 173,071 $ 0
Dallas, Iowa 14 $ 3,719,000 $ 265,642 $ 110,000
Nelson, Kentucky 14 $ 2,391,000 $ 170,785 $ 48,000
Genesee, Michigan 14 $ 2,400,000 $ 171,428 $ 96,000
St. Louis, Minnesota 14 $ 2,139,000 $ 152,785 $ 62,000
Rankin, Mississippi 14 $ 2,407,000 $ 171,928 $ 93,000
Franklin, Missouri 14 $ 2,861,000 $ 204,357 $ 80,000
Yellowstone, Montana 14 $ 2,302,000 $ 164,428 $ 48,000
Greene, Ohio 14 $ 2,359,000 $ 168,500 $ 79,000
Lake, Ohio 14 $ 2,097,000 $ 149,785 $ 66,000
Lorain, Ohio 14 $ 2,296,000 $ 164,000 $ 105,000
Beaver, Pennsylvania 14 $ 2,122,000 $ 151,571 $ 42,000
Newport, Rhode Island 14 $ 3,968,000 $ 283,428 $ 0
El Paso, Texas 14 $ 2,720,000 $ 194,285 $ 59,000
Rich, Utah 14 $ 3,002,000 $ 214,428 $ 124,000
Sevier, Utah 14 $ 2,827,000 $ 201,928 $ 74,000
Manassas, Virginia 14 $ 3,031,000 $ 216,500 $ 25,000
Newport News, Virginia 14 $ 2,282,000 $ 163,000 $ 46,000
Suffolk, Virginia 14 $ 3,675,000 $ 262,500 $ 58,000
Kings, California 13 $ 2,398,000 $ 184,461 $ 104,000
Pueblo, Colorado 13 $ 2,173,000 $ 167,153 $ 70,000
Indian River, Florida 13 $ 2,739,000 $ 210,692 $ 0
Bonner, Idaho 13 $ 3,708,000 $ 285,230 $ 124,000
Putnam, Indiana 13 $ 1,858,000 $ 142,923 $ 138,000
Livingston, Louisiana 13 $ 1,889,000 $ 145,307 $ 73,000
Charles, Maryland 13 $ 3,562,000 $ 274,000 $ 46,000
Washington, Maryland 13 $ 2,562,000 $ 197,076 $ 87,000
Hampshire, Massachusetts 13 $ 3,410,000 $ 262,307 $ 0
Watauga, North Carolina 13 $ 2,875,000 $ 221,153 $ 119,000
Montgomery, Ohio 13 $ 2,420,000 $ 186,153 $ 97,000
Blount, Tennessee 13 $ 2,083,000 $ 160,230 $ 58,000
Brazos, Texas 13 $ 2,583,000 $ 198,692 $ 61,000
Cowlitz, Washington 13 $ 2,440,000 $ 187,692 $ 89,000
Douglas, Washington 13 $ 2,978,000 $ 229,076 $ 123,000
Calumet, Wisconsin 13 $ 2,180,000 $ 167,692 $ 80,000
Inyo, California 12 $ 2,585,000 $ 215,416 $ 80,000
Teller, Colorado 12 $ 2,377,000 $ 198,083 $ 102,000
Muscogee, Georgia 12 $ 2,357,000 $ 196,416 $ 79,000
Paulding, Georgia 12 $ 2,212,000 $ 184,333 $ 105,000
Putnam, Georgia 12 $ 2,789,000 $ 232,416 $ 121,000
Campbell, Kentucky 12 $ 2,091,000 $ 174,250 $ 58,000
Calcasieu, Louisiana 12 $ 2,227,000 $ 185,583 $ 119,000
Androscoggin, Maine 12 $ 2,259,000 $ 188,250 $ 106,000
Penobscot, Maine 12 $ 2,029,000 $ 169,083 $ 112,000
Douglas, Minnesota 12 $ 2,148,000 $ 179,000 $ 75,000
Lincoln, Missouri 12 $ 1,705,000 $ 142,083 $ 55,000
Warren, Missouri 12 $ 2,076,000 $ 173,000 $ 64,000
Franklin, North Carolina 12 $ 1,984,000 $ 165,333 $ 76,000
Pender, North Carolina 12 $ 2,551,000 $ 212,583 $ 97,000
Adams, Pennsylvania 12 $ 2,448,000 $ 204,000 $ 54,000
Kane, Utah 12 $ 1,911,000 $ 159,250 $ 84,000
Bedford, Virginia 12 $ 2,751,000 $ 229,250 $ 125,000
Charlottesville, Virginia 12 $ 2,791,000 $ 232,583 $ 21,000
Hampton, Virginia 12 $ 2,290,000 $ 190,833 $ 55,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2012

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 132,487 $37,958,401,000 $286,000 $2,000,000 $102,000 $9,999,000
Home Purchase 11,224 $3,158,717,000 $281,000 $2,000,000 $99,000 $9,999,000
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 59,700 $16,225,307,000 $271,000 $2,000,000 $125,000 $9,999,000
Asian 31,363 $10,452,453,000 $333,000 $1,865,000 $138,000 $9,999,000
Not applicable 28,450 $7,960,328,000 $279,000 $819,000 $0 $0
Not Provided 20,358 $5,427,856,000 $266,000 $1,935,000 $121,000 $6,000,000
Hispanic 2,640 $724,666,000 $274,000 $1,335,000 $114,000 $1,226,000
Black or African American 590 $144,813,000 $245,000 $626,000 $112,000 $804,000
Native Hawaiian or Other Pacific Islander 395 $125,621,000 $318,000 $721,000 $112,000 $555,000
American Indian or Alaskan Native 215 $56,074,000 $260,000 $626,000 $117,000 $603,000

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) 143,711 $41,117,118,000 $286,000 $2,000,000 $102,000 $9,999,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 80,775 $22,901,399,000 $283,000 $1,935,000 $127,000 $3,167,000
Loan Purchased By The Institution 28,485 $7,967,788,000 $279,000 $819,000 $0 $216,000
Application Denied By Financial Institution 16,622 $4,991,265,000 $300,000 $2,000,000 $113,000 $9,999,000
Application Withdrawn By Applicant 13,668 $3,956,045,000 $289,000 $2,000,000 $142,000 $9,999,000
File Closed For Incompleteness 3,406 $1,064,619,000 $312,000 $1,842,000 $135,000 $2,284,000
Application Approved But Not Accepted 755 $236,002,000 $312,000 $626,000 $132,000 $1,167,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 5,349 $1,628,514,000 $304,000 $2,000,000 $85,000 $9,999,000
Other 4,612 $1,462,071,000 $317,000 $1,950,000 $139,000 $5,042,000
Collateral 4,524 $1,292,299,000 $285,000 $1,275,000 $123,000 $9,999,000
Credit History 1,064 $292,272,000 $274,000 $1,480,000 $104,000 $1,145,000
Insufficient Cash (Downpayment, Closing Cost) 384 $117,468,000 $305,000 $1,193,000 $126,000 $1,355,000
Unverifiable Information 349 $108,237,000 $310,000 $626,000 $103,000 $525,000
Employment History 216 $59,859,000 $277,000 $821,000 $100,000 $641,000
Mortgage Insurance Denied 98 $24,661,000 $251,000 $602,000 $107,000 $245,000
Credit Application Incomplete 26 $5,884,000 $226,000 $416,000 $125,000 $365,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2012 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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