Provident Funding Associates Mortgage Lending & HMDA Data, 2016

In 2016, Provident Funding Associates of Santa Rosa, CA reported 55,708 mortgage applications totaling $15.7 billion, up 78% from 2015. The average application was for $281,880, and applicants reported an average income of $120,350. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (2,681), Denver-Aurora-Lakewood, CO (2,598) and Salt Lake City, UT (2,322) (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 55,708
Total Mortgage Loan Application Amount $15,702,993,000
Average Mortgage Loan Application Amount $281,880
Highest Mortgage Loan Application Amount $1,036,000
Average Applicant Income $120,350
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Salt Lake, Utah 2,255 $ 595,765,000 $ 264,197 $ 101,000
Santa Clara, California 2,165 $ 799,894,000 $ 369,466 $ 142,000
King, Washington 1,980 $ 655,400,000 $ 331,010 $ 123,000
Maricopa, Arizona 1,934 $ 469,705,000 $ 242,867 $ 116,000
Los Angeles, California 1,896 $ 645,646,000 $ 340,530 $ 117,000
Sacramento, California 1,418 $ 380,876,000 $ 268,600 $ 112,000
Alameda, California 1,335 $ 490,759,000 $ 367,609 $ 137,000
San Diego, California 1,315 $ 449,172,000 $ 341,575 $ 124,000
Orange, California 1,264 $ 459,023,000 $ 363,151 $ 126,000
Utah, Utah 1,227 $ 302,029,000 $ 246,152 $ 91,000
Collin, Texas 1,159 $ 341,213,000 $ 294,402 $ 131,000
Davis, Utah 1,019 $ 246,462,000 $ 241,866 $ 94,000
Washington, Oregon 942 $ 278,700,000 $ 295,859 $ 127,000
Contra Costa, California 879 $ 298,140,000 $ 339,180 $ 135,000
Snohomish, Washington 701 $ 210,317,000 $ 300,024 $ 113,000
Riverside, California 690 $ 188,432,000 $ 273,089 $ 104,000
Douglas, Colorado 631 $ 193,636,000 $ 306,871 $ 120,000
Cook, Illinois 604 $ 161,491,000 $ 267,369 $ 132,000
San Bernardino, California 595 $ 160,417,000 $ 269,608 $ 104,000
Denton, Texas 587 $ 166,580,000 $ 283,781 $ 131,000
Arapahoe, Colorado 540 $ 146,318,000 $ 270,959 $ 114,000
Forsyth, Georgia 539 $ 150,224,000 $ 278,708 $ 125,000
Jefferson, Colorado 529 $ 143,968,000 $ 272,151 $ 106,000
Placer, California 509 $ 156,277,000 $ 307,027 $ 116,000
Jefferson, Kentucky 478 $ 109,994,000 $ 230,112 $ 114,000
Denver, Colorado 471 $ 137,343,000 $ 291,598 $ 122,000
Mecklenburg, North Carolina 453 $ 113,002,000 $ 249,452 $ 131,000
Fort Bend, Texas 445 $ 117,668,000 $ 264,422 $ 134,000
Fulton, Georgia 434 $ 123,614,000 $ 284,824 $ 145,000
Wake, North Carolina 422 $ 106,430,000 $ 252,203 $ 123,000
San Joaquin, California 413 $ 113,029,000 $ 273,677 $ 119,000
Hennepin, Minnesota 411 $ 110,607,000 $ 269,116 $ 141,000
Multnomah, Oregon 394 $ 112,949,000 $ 286,672 $ 119,000
Broward, Florida 387 $ 107,317,000 $ 277,304 $ 112,000
Middlesex, Massachusetts 385 $ 129,411,000 $ 336,132 $ 139,000
Chester, Pennsylvania 383 $ 113,851,000 $ 297,261 $ 128,000
Dallas, Texas 367 $ 98,192,000 $ 267,553 $ 128,000
Harris, Texas 365 $ 88,216,000 $ 241,687 $ 124,000
Montgomery, Pennsylvania 351 $ 97,882,000 $ 278,866 $ 129,000
Ventura, California 333 $ 111,695,000 $ 335,420 $ 112,000
Hamilton, Indiana 332 $ 82,536,000 $ 248,602 $ 124,000
Middlesex, New Jersey 331 $ 99,048,000 $ 299,238 $ 139,000
San Mateo, California 328 $ 127,733,000 $ 389,429 $ 147,000
Oakland, Michigan 322 $ 77,061,000 $ 239,319 $ 123,000
Fairfax, Virginia 318 $ 111,524,000 $ 350,704 $ 114,000
DuPage, Illinois 314 $ 83,616,000 $ 266,292 $ 131,000
Bucks, Pennsylvania 293 $ 80,681,000 $ 275,361 $ 119,000
Hartford, Connecticut 288 $ 69,684,000 $ 241,958 $ 131,000
Boulder, Colorado 287 $ 88,190,000 $ 307,282 $ 132,000
Cobb, Georgia 284 $ 72,288,000 $ 254,535 $ 126,000
Adams, Colorado 283 $ 70,822,000 $ 250,254 $ 105,000
Weber, Utah 281 $ 59,220,000 $ 210,747 $ 85,000
Lake, Illinois 278 $ 80,478,000 $ 289,489 $ 152,000
Gwinnett, Georgia 268 $ 56,237,000 $ 209,839 $ 104,000
Fayette, Kentucky 268 $ 52,523,000 $ 195,981 $ 104,000
Clackamas, Oregon 261 $ 77,818,000 $ 298,153 $ 119,000
Sonoma, California 258 $ 83,169,000 $ 322,360 $ 122,000
Montgomery, Maryland 258 $ 86,111,000 $ 333,763 $ 111,000
Palm Beach, Florida 248 $ 63,460,000 $ 255,887 $ 128,000
San Luis Obispo, California 244 $ 77,304,000 $ 316,819 $ 119,000
St. Louis, Missouri 235 $ 61,629,000 $ 262,251 $ 128,000
Solano, California 232 $ 65,896,000 $ 284,034 $ 116,000
Pierce, Washington 224 $ 56,496,000 $ 252,214 $ 118,000
Larimer, Colorado 207 $ 54,690,000 $ 264,202 $ 107,000
DeKalb, Georgia 202 $ 54,505,000 $ 269,826 $ 132,000
El Paso, Colorado 189 $ 45,213,000 $ 239,222 $ 98,000
Will, Illinois 188 $ 51,074,000 $ 271,670 $ 136,000
Monmouth, New Jersey 187 $ 58,781,000 $ 314,336 $ 146,000
Tarrant, Texas 185 $ 38,678,000 $ 209,070 $ 124,000
Allegheny, Pennsylvania 182 $ 43,148,000 $ 237,076 $ 124,000
Miami-Dade, Florida 181 $ 50,026,000 $ 276,386 $ 131,000
Pima, Arizona 180 $ 38,778,000 $ 215,433 $ 115,000
Marion, Indiana 180 $ 32,589,000 $ 181,050 $ 119,000
Fairfield, Connecticut 172 $ 54,193,000 $ 315,075 $ 150,000
Orange, Florida 172 $ 40,589,000 $ 235,982 $ 124,000
Norfolk, Massachusetts 172 $ 54,157,000 $ 314,866 $ 129,000
Bergen, New Jersey 171 $ 54,805,000 $ 320,497 $ 142,000
Williamson, Texas 163 $ 41,757,000 $ 256,177 $ 125,000
El Dorado, California 160 $ 50,017,000 $ 312,606 $ 121,000
Yolo, California 158 $ 44,049,000 $ 278,791 $ 122,000
New Haven, Connecticut 158 $ 40,221,000 $ 254,563 $ 133,000
Philadelphia, Pennsylvania 154 $ 36,734,000 $ 238,532 $ 105,000
Clark, Washington 154 $ 39,512,000 $ 256,571 $ 171,000
Weld, Colorado 152 $ 39,390,000 $ 259,144 $ 98,000
Fresno, California 148 $ 33,177,000 $ 224,168 $ 103,000
Pinellas, Florida 147 $ 33,558,000 $ 228,285 $ 103,000
Delaware, Pennsylvania 145 $ 40,294,000 $ 277,889 $ 118,000
Dakota, Minnesota 142 $ 36,989,000 $ 260,485 $ 123,000
Loudoun, Virginia 139 $ 48,608,000 $ 349,697 $ 108,000
Morris, New Jersey 138 $ 41,143,000 $ 298,137 $ 137,000
Somerset, New Jersey 138 $ 44,209,000 $ 320,355 $ 147,000
Hillsborough, Florida 135 $ 32,405,000 $ 240,037 $ 122,000
Travis, Texas 134 $ 37,352,000 $ 278,746 $ 131,000
San Francisco, California 129 $ 49,238,000 $ 381,689 $ 146,000
Howard, Maryland 125 $ 41,172,000 $ 329,376 $ 106,000
Wayne, Michigan 124 $ 30,034,000 $ 242,209 $ 120,000
Stanislaus, California 123 $ 27,306,000 $ 222,000 $ 100,000
Washington, Utah 122 $ 26,132,000 $ 214,196 $ 95,000
Essex, Massachusetts 117 $ 35,236,000 $ 301,162 $ 140,000
Santa Cruz, California 113 $ 40,423,000 $ 357,725 $ 146,000
Broomfield, Colorado 113 $ 33,534,000 $ 296,761 $ 137,000
Union, North Carolina 113 $ 28,957,000 $ 256,256 $ 124,000
Cherokee, Georgia 110 $ 24,255,000 $ 220,500 $ 123,000
Johnson, Kansas 102 $ 23,841,000 $ 233,735 $ 115,000
Henrico, Virginia 101 $ 30,273,000 $ 299,732 $ 114,000
Lehigh, Pennsylvania 99 $ 22,407,000 $ 226,333 $ 116,000
Spokane, Washington 99 $ 22,513,000 $ 227,404 $ 113,000
Washoe, Nevada 98 $ 24,115,000 $ 246,071 $ 99,000
Washington, Minnesota 96 $ 27,288,000 $ 284,250 $ 124,000
Worcester, Massachusetts 93 $ 26,468,000 $ 284,602 $ 135,000
Macomb, Michigan 93 $ 18,708,000 $ 201,161 $ 97,000
Ramsey, Minnesota 91 $ 22,762,000 $ 250,131 $ 131,000
Santa Barbara, California 87 $ 28,971,000 $ 333,000 $ 124,000
Lee, Florida 87 $ 21,083,000 $ 242,333 $ 130,000
Honolulu, Hawaii 85 $ 37,508,000 $ 441,270 $ 135,000
Marin, California 84 $ 29,703,000 $ 353,607 $ 150,000
Lane, Oregon 83 $ 18,769,000 $ 226,132 $ 116,000
Monterey, California 82 $ 22,578,000 $ 275,341 $ 125,000
Mercer, New Jersey 80 $ 22,369,000 $ 279,612 $ 151,000
Nevada, California 77 $ 22,528,000 $ 292,571 $ 140,000
Seminole, Florida 77 $ 17,928,000 $ 232,831 $ 101,000
Oldham, Kentucky 77 $ 22,463,000 $ 291,727 $ 131,000
Burlington, New Jersey 77 $ 19,781,000 $ 256,896 $ 134,000
Ocean, New Jersey 77 $ 20,271,000 $ 263,259 $ 149,000
Essex, New Jersey 75 $ 24,500,000 $ 326,666 $ 153,000
Thurston, Washington 75 $ 19,058,000 $ 254,106 $ 119,000
Kern, California 74 $ 15,975,000 $ 215,878 $ 100,000
Duval, Florida 74 $ 17,714,000 $ 239,378 $ 115,000
Union, New Jersey 74 $ 23,529,000 $ 317,959 $ 146,000
Napa, California 73 $ 23,522,000 $ 322,219 $ 114,000
Tulsa, Oklahoma 72 $ 15,830,000 $ 219,861 $ 131,000
Kane, Illinois 71 $ 17,043,000 $ 240,042 $ 130,000
Deschutes, Oregon 71 $ 17,838,000 $ 251,239 $ 124,000
Baltimore, Maryland 67 $ 15,967,000 $ 238,313 $ 96,000
Tooele, Utah 67 $ 13,099,000 $ 195,507 $ 82,000
Clark, Nevada 66 $ 15,632,000 $ 236,848 $ 94,000
Anoka, Minnesota 65 $ 15,327,000 $ 235,800 $ 116,000
Cabarrus, North Carolina 64 $ 14,655,000 $ 228,984 $ 117,000
Cache, Utah 62 $ 13,189,000 $ 212,725 $ 79,000
Prince William, Virginia 61 $ 17,086,000 $ 280,098 $ 118,000
Scott, Minnesota 60 $ 14,068,000 $ 234,466 $ 129,000
St. Charles, Missouri 60 $ 14,241,000 $ 237,350 $ 134,000
Camden, New Jersey 60 $ 12,423,000 $ 207,050 $ 104,000
Whatcom, Washington 60 $ 16,107,000 $ 268,450 $ 106,000
Wasatch, Utah 59 $ 17,048,000 $ 288,949 $ 115,000
Bristol, Massachusetts 57 $ 13,930,000 $ 244,385 $ 106,000
Oklahoma, Oklahoma 57 $ 12,845,000 $ 225,350 $ 122,000
Benton, Washington 57 $ 13,610,000 $ 238,771 $ 134,000
Summit, Utah 56 $ 18,619,000 $ 332,482 $ 117,000
Middlesex, Connecticut 55 $ 13,445,000 $ 244,454 $ 128,000
St. Johns, Florida 55 $ 15,071,000 $ 274,018 $ 141,000
Ada, Idaho 55 $ 11,758,000 $ 213,781 $ 97,000
Yakima, Washington 55 $ 12,680,000 $ 230,545 $ 131,000
Lancaster, Pennsylvania 54 $ 11,692,000 $ 216,518 $ 94,000
Pinal, Arizona 53 $ 9,115,000 $ 171,981 $ 94,000
Yavapai, Arizona 52 $ 11,262,000 $ 216,576 $ 102,000
Collier, Florida 51 $ 14,733,000 $ 288,882 $ 158,000
Boone, Indiana 51 $ 13,416,000 $ 263,058 $ 137,000
McHenry, Illinois 50 $ 10,376,000 $ 207,520 $ 127,000
Jackson, Missouri 50 $ 10,683,000 $ 213,660 $ 103,000
Guilford, North Carolina 49 $ 11,575,000 $ 236,224 $ 144,000
Butte, California 48 $ 11,225,000 $ 233,854 $ 117,000
Pasco, Florida 48 $ 8,861,000 $ 184,604 $ 97,000
Floyd, Indiana 48 $ 10,011,000 $ 208,562 $ 111,000
Hudson, New Jersey 48 $ 15,726,000 $ 327,625 $ 162,000
Passaic, New Jersey 48 $ 13,257,000 $ 276,187 $ 142,000
Kitsap, Washington 48 $ 13,370,000 $ 278,541 $ 124,000
Tolland, Connecticut 47 $ 10,972,000 $ 233,446 $ 122,000
Washtenaw, Michigan 46 $ 11,390,000 $ 247,608 $ 118,000
Olmsted, Minnesota 46 $ 10,585,000 $ 230,108 $ 118,000
Montgomery, Texas 46 $ 12,270,000 $ 266,739 $ 135,000
Shasta, California 45 $ 9,488,000 $ 210,844 $ 113,000
Brevard, Florida 45 $ 9,624,000 $ 213,866 $ 130,000
Sarasota, Florida 45 $ 10,376,000 $ 230,577 $ 97,000
Suffolk, Massachusetts 45 $ 14,775,000 $ 328,333 $ 125,000
St. Louis City, Missouri 45 $ 9,732,000 $ 216,266 $ 109,000
Marion, Oregon 45 $ 10,263,000 $ 228,066 $ 86,000
Northampton, Pennsylvania 44 $ 9,137,000 $ 207,659 $ 91,000
Merced, California 43 $ 8,548,000 $ 198,790 $ 95,000
Anne Arundel, Maryland 43 $ 11,209,000 $ 260,674 $ 103,000
Davidson, Tennessee 43 $ 9,743,000 $ 226,581 $ 99,000
Franklin, Ohio 41 $ 9,606,000 $ 234,292 $ 147,000
Brazoria, Texas 41 $ 9,147,000 $ 223,097 $ 120,000
New London, Connecticut 40 $ 9,380,000 $ 234,500 $ 103,000
Plymouth, Massachusetts 40 $ 12,511,000 $ 312,775 $ 143,000
Carver, Minnesota 40 $ 11,501,000 $ 287,525 $ 147,000
Durham, North Carolina 39 $ 8,584,000 $ 220,102 $ 119,000
Johnson, Indiana 38 $ 7,750,000 $ 203,947 $ 102,000
Clay, Missouri 38 $ 7,014,000 $ 184,578 $ 108,000
Cumberland, Pennsylvania 38 $ 8,893,000 $ 234,026 $ 111,000
York, South Carolina 38 $ 8,921,000 $ 234,763 $ 122,000
Bexar, Texas 38 $ 9,404,000 $ 247,473 $ 122,000
Waukesha, Wisconsin 38 $ 9,479,000 $ 249,447 $ 109,000
Manatee, Florida 37 $ 9,026,000 $ 243,945 $ 114,000
Hendricks, Indiana 37 $ 6,857,000 $ 185,324 $ 98,000
Hunterdon, New Jersey 37 $ 10,655,000 $ 287,972 $ 156,000
Coconino, Arizona 36 $ 8,873,000 $ 246,472 $ 135,000
Tulare, California 36 $ 7,640,000 $ 212,222 $ 121,000
Gloucester, New Jersey 36 $ 7,832,000 $ 217,555 $ 114,000
Greenville, South Carolina 36 $ 9,356,000 $ 259,888 $ 146,000
Alachua, Florida 35 $ 7,201,000 $ 205,742 $ 100,000
Cuyahoga, Ohio 35 $ 6,293,000 $ 179,800 $ 133,000
Chesterfield, Virginia 35 $ 8,064,000 $ 230,400 $ 106,000
Clark, Indiana 34 $ 6,296,000 $ 185,176 $ 92,000
Jackson, Oregon 34 $ 8,856,000 $ 260,470 $ 125,000
Butler, Pennsylvania 34 $ 8,305,000 $ 244,264 $ 116,000
Williamson, Tennessee 34 $ 10,124,000 $ 297,764 $ 132,000
Barnstable, Massachusetts 33 $ 8,041,000 $ 243,666 $ 150,000
Hamilton, Ohio 33 $ 7,678,000 $ 232,666 $ 119,000
Box Elder, Utah 33 $ 6,616,000 $ 200,484 $ 78,000
Volusia, Florida 31 $ 6,173,000 $ 199,129 $ 99,000
Hall, Georgia 31 $ 7,464,000 $ 240,774 $ 121,000
Fayette, Georgia 30 $ 7,312,000 $ 243,733 $ 135,000
San Benito, California 29 $ 9,414,000 $ 324,620 $ 112,000
Prince George's, Maryland 29 $ 6,963,000 $ 240,103 $ 101,000
Iredell, North Carolina 29 $ 7,510,000 $ 258,965 $ 112,000
New Hanover, North Carolina 29 $ 7,445,000 $ 256,724 $ 104,000
Westmoreland, Pennsylvania 28 $ 6,631,000 $ 236,821 $ 108,000
Albemarle, Virginia 27 $ 7,014,000 $ 259,777 $ 129,000
Frederick, Maryland 26 $ 6,559,000 $ 252,269 $ 120,000
Buncombe, North Carolina 26 $ 4,906,000 $ 188,692 $ 71,000
Orange, North Carolina 25 $ 6,973,000 $ 278,920 $ 138,000
Sutter, California 24 $ 4,541,000 $ 189,208 $ 77,000
Summit, Colorado 24 $ 7,827,000 $ 326,125 $ 160,000
Gaston, North Carolina 23 $ 5,295,000 $ 230,217 $ 108,000
Yamhill, Oregon 23 $ 5,425,000 $ 235,869 $ 99,000
Flagler, Florida 22 $ 3,889,000 $ 176,772 $ 92,000
Wright, Minnesota 22 $ 4,078,000 $ 185,363 $ 110,000
York, Pennsylvania 22 $ 4,677,000 $ 212,590 $ 103,000
Charleston, South Carolina 22 $ 6,659,000 $ 302,681 $ 125,000
Shelby, Tennessee 22 $ 5,933,000 $ 269,681 $ 133,000
Polk, Florida 21 $ 3,413,000 $ 162,523 $ 86,000
Madison, Kentucky 21 $ 4,156,000 $ 197,904 $ 96,000
Jefferson, Missouri 21 $ 3,229,000 $ 153,761 $ 79,000
Warren, Ohio 21 $ 4,906,000 $ 233,619 $ 153,000
Berks, Pennsylvania 21 $ 5,064,000 $ 241,142 $ 97,000
Virginia Beach, Virginia 21 $ 4,890,000 $ 232,857 $ 95,000
Skagit, Washington 21 $ 5,618,000 $ 267,523 $ 91,000
Benton, Oregon 20 $ 5,427,000 $ 271,350 $ 133,000
Hays, Texas 20 $ 5,110,000 $ 255,500 $ 90,000
Tuolumne, California 19 $ 4,064,000 $ 213,894 $ 149,000
La Plata, Colorado 19 $ 5,462,000 $ 287,473 $ 138,000
Lake, Florida 19 $ 4,519,000 $ 237,842 $ 111,000
Bartholomew, Indiana 19 $ 3,741,000 $ 196,894 $ 113,000
Tippecanoe, Indiana 19 $ 3,883,000 $ 204,368 $ 120,000
Harford, Maryland 19 $ 4,311,000 $ 226,894 $ 92,000
Atlantic, New Jersey 19 $ 3,661,000 $ 192,684 $ 92,000
Forsyth, North Carolina 19 $ 3,741,000 $ 196,894 $ 113,000
Lincoln, North Carolina 19 $ 5,239,000 $ 275,736 $ 165,000
Butler, Ohio 19 $ 3,864,000 $ 203,368 $ 97,000
Arlington, Virginia 19 $ 7,238,000 $ 380,947 $ 137,000
Martin, Florida 18 $ 5,085,000 $ 282,500 $ 131,000
Canyon, Idaho 18 $ 3,924,000 $ 218,000 $ 99,000
Brunswick, North Carolina 18 $ 4,708,000 $ 261,555 $ 260,000
Charlottesville, Virginia 18 $ 4,003,000 $ 222,388 $ 91,000
Yuba, California 17 $ 3,598,000 $ 211,647 $ 105,000
Baltimore City, Maryland 17 $ 3,826,000 $ 225,058 $ 142,000
Galveston, Texas 17 $ 4,157,000 $ 244,529 $ 112,000
Sevier, Utah 17 $ 3,318,000 $ 195,176 $ 100,000
Kittitas, Washington 17 $ 4,523,000 $ 266,058 $ 155,000
Navajo, Arizona 16 $ 3,145,000 $ 196,562 $ 114,000
Madera, California 16 $ 3,114,000 $ 194,625 $ 99,000
Litchfield, Connecticut 16 $ 3,891,000 $ 243,187 $ 153,000
Leon, Florida 16 $ 3,648,000 $ 228,000 $ 116,000
Boone, Kentucky 16 $ 3,359,000 $ 209,937 $ 113,000
Spencer, Kentucky 16 $ 3,184,000 $ 199,000 $ 111,000
Knox, Tennessee 16 $ 2,986,000 $ 186,625 $ 95,000
Iron, Utah 16 $ 3,627,000 $ 226,687 $ 113,000
Marion, Florida 15 $ 3,042,000 $ 202,800 $ 113,000
Columbia, Georgia 15 $ 3,132,000 $ 208,800 $ 95,000
Coweta, Georgia 15 $ 3,243,000 $ 216,200 $ 103,000
Henry, Georgia 15 $ 3,071,000 $ 204,733 $ 84,000
Scott, Kentucky 15 $ 2,774,000 $ 184,933 $ 83,000
Carroll, Maryland 15 $ 3,816,000 $ 254,400 $ 79,000
Cape May, New Jersey 15 $ 4,242,000 $ 282,800 $ 179,000
Sussex, New Jersey 15 $ 3,419,000 $ 227,933 $ 110,000
Washington, Pennsylvania 15 $ 3,249,000 $ 216,600 $ 115,000
Hamilton, Tennessee 15 $ 3,666,000 $ 244,400 $ 85,000
Island, Washington 15 $ 4,228,000 $ 281,866 $ 115,000
Mesa, Colorado 14 $ 2,738,000 $ 195,571 $ 66,000
St. Lucie, Florida 14 $ 2,751,000 $ 196,500 $ 104,000
Blaine, Idaho 14 $ 3,622,000 $ 258,714 $ 105,000
Lake, Indiana 14 $ 3,237,000 $ 231,214 $ 94,000
Columbia, Oregon 14 $ 3,556,000 $ 254,000 $ 93,000
Richmond City, Virginia 14 $ 4,007,000 $ 286,214 $ 147,000
Calaveras, California 13 $ 2,486,000 $ 191,230 $ 112,000
Imperial, California 13 $ 2,374,000 $ 182,615 $ 72,000
Mendocino, California 13 $ 3,711,000 $ 285,461 $ 109,000
Walton, Georgia 13 $ 2,835,000 $ 218,076 $ 99,000
Maui, Hawaii 13 $ 6,070,000 $ 466,923 $ 159,000
Kootenai, Idaho 13 $ 2,945,000 $ 226,538 $ 79,000
Hancock, Indiana 13 $ 2,532,000 $ 194,769 $ 116,000
St. Joseph, Indiana 13 $ 3,140,000 $ 241,538 $ 154,000
Bullitt, Kentucky 13 $ 2,114,000 $ 162,615 $ 87,000
Jessamine, Kentucky 13 $ 4,109,000 $ 316,076 $ 126,000
Shelby, Kentucky 13 $ 3,211,000 $ 247,000 $ 121,000
Kent, Michigan 13 $ 2,406,000 $ 185,076 $ 95,000
Sherburne, Minnesota 13 $ 3,010,000 $ 231,538 $ 96,000
Platte, Missouri 13 $ 3,184,000 $ 244,923 $ 101,000
Delaware, Ohio 13 $ 3,637,000 $ 279,769 $ 122,000
Cleveland, Oklahoma 13 $ 2,276,000 $ 175,076 $ 92,000
Rogers, Oklahoma 13 $ 2,355,000 $ 181,153 $ 91,000
Morgan, Utah 13 $ 4,032,000 $ 310,153 $ 93,000
Chelan, Washington 13 $ 3,704,000 $ 284,923 $ 113,000
Amador, California 12 $ 3,116,000 $ 259,666 $ 132,000
Charlotte, Florida 12 $ 3,131,000 $ 260,916 $ 156,000
Livingston, Michigan 12 $ 2,736,000 $ 228,000 $ 122,000
Polk, Oregon 12 $ 3,392,000 $ 282,666 $ 114,000
Centre, Pennsylvania 12 $ 2,757,000 $ 229,750 $ 106,000
Dauphin, Pennsylvania 12 $ 2,473,000 $ 206,083 $ 86,000
Chesapeake, Virginia 12 $ 2,936,000 $ 244,666 $ 121,000
Hanover, Virginia 12 $ 3,142,000 $ 261,833 $ 119,000
Douglas, Washington 12 $ 3,410,000 $ 284,166 $ 153,000
Eagle, Colorado 11 $ 3,888,000 $ 353,454 $ 120,000
Elbert, Colorado 11 $ 3,085,000 $ 280,454 $ 101,000
Clay, Florida 11 $ 2,327,000 $ 211,545 $ 111,000
Paulding, Georgia 11 $ 1,697,000 $ 154,272 $ 81,000
Kendall, Illinois 11 $ 2,226,000 $ 202,363 $ 116,000
Spartanburg, South Carolina 11 $ 2,191,000 $ 199,181 $ 107,000
Wilson, Tennessee 11 $ 3,088,000 $ 280,727 $ 129,000
Comal, Texas 11 $ 2,790,000 $ 253,636 $ 141,000
Sumter, Florida 10 $ 2,148,000 $ 214,800 $ 103,000
Porter, Indiana 10 $ 1,846,000 $ 184,600 $ 85,000
Hardin, Kentucky 10 $ 1,991,000 $ 199,100 $ 94,000
Washington, Maryland 10 $ 1,813,000 $ 181,300 $ 62,000
Ingham, Michigan 10 $ 2,112,000 $ 211,200 $ 133,000
Watauga, North Carolina 10 $ 2,205,000 $ 220,500 $ 138,000
Anderson, South Carolina 10 $ 1,980,000 $ 198,000 $ 106,000
Brazos, Texas 10 $ 1,625,000 $ 162,500 $ 102,000
Alexandria, Virginia 10 $ 3,731,000 $ 373,100 $ 199,000
Fairfax City, Virginia 10 $ 3,519,000 $ 351,900 $ 87,000
Stafford, Virginia 10 $ 2,682,000 $ 268,200 $ 122,000
Mohave, Arizona 9 $ 2,010,000 $ 223,333 $ 220,000
Garfield, Colorado 9 $ 2,313,000 $ 257,000 $ 108,000
Grand, Colorado 9 $ 2,196,000 $ 244,000 $ 158,000
Indian River, Florida 9 $ 2,042,000 $ 226,888 $ 111,000
Chatham, Georgia 9 $ 2,463,000 $ 273,666 $ 196,000
Houston, Georgia 9 $ 1,918,000 $ 213,111 $ 109,000
Oconee, Georgia 9 $ 2,221,000 $ 246,777 $ 91,000
Anderson, Kentucky 9 $ 1,685,000 $ 187,222 $ 77,000
St. Mary's, Maryland 9 $ 2,165,000 $ 240,555 $ 118,000
Hampden, Massachusetts 9 $ 1,594,000 $ 177,111 $ 88,000
Chisago, Minnesota 9 $ 2,026,000 $ 225,111 $ 92,000
Warren, New Jersey 9 $ 1,907,000 $ 211,888 $ 118,000
Clermont, Ohio 9 $ 1,935,000 $ 215,000 $ 108,000
Fairfield, Ohio 9 $ 1,866,000 $ 207,333 $ 117,000
Hood River, Oregon 9 $ 2,337,000 $ 259,666 $ 143,000
Josephine, Oregon 9 $ 1,655,000 $ 183,888 $ 69,000
Linn, Oregon 9 $ 1,694,000 $ 188,222 $ 87,000
Lancaster, South Carolina 9 $ 2,116,000 $ 235,111 $ 96,000
Sumner, Tennessee 9 $ 2,078,000 $ 230,888 $ 100,000
Fauquier, Virginia 9 $ 2,383,000 $ 264,777 $ 129,000
James City, Virginia 9 $ 2,452,000 $ 272,444 $ 99,000
Louisa, Virginia 9 $ 2,129,000 $ 236,555 $ 108,000
Lake, California 8 $ 1,556,000 $ 194,500 $ 105,000
Park, Colorado 8 $ 1,461,000 $ 182,625 $ 77,000
Walton, Florida 8 $ 2,326,000 $ 290,750 $ 100,000
Douglas, Georgia 8 $ 1,672,000 $ 209,000 $ 84,000
Peoria, Illinois 8 $ 1,834,000 $ 229,250 $ 127,000
Monroe, Indiana 8 $ 2,108,000 $ 263,500 $ 406,000
Wyandotte, Kansas 8 $ 1,501,000 $ 187,625 $ 89,000
Franklin, Kentucky 8 $ 1,191,000 $ 148,875 $ 57,000
Woodford, Kentucky 8 $ 1,691,000 $ 211,375 $ 105,000
Hampshire, Massachusetts 8 $ 2,139,000 $ 267,375 $ 116,000
Pender, North Carolina 8 $ 2,088,000 $ 261,000 $ 128,000
Summit, Ohio 8 $ 1,412,000 $ 176,500 $ 139,000
Canadian, Oklahoma 8 $ 1,565,000 $ 195,625 $ 96,000
Douglas, Oregon 8 $ 1,363,000 $ 170,375 $ 114,000
Lincoln, Oregon 8 $ 2,231,000 $ 278,875 $ 186,000
Richland, South Carolina 8 $ 1,879,000 $ 234,875 $ 166,000
Rutherford, Tennessee 8 $ 1,529,000 $ 191,125 $ 107,000
Washington, Tennessee 8 $ 1,242,000 $ 155,250 $ 116,000
Kaufman, Texas 8 $ 1,177,000 $ 147,125 $ 188,000
Lubbock, Texas 8 $ 1,481,000 $ 185,125 $ 86,000
Rockwall, Texas 8 $ 1,788,000 $ 223,500 $ 121,000
Juab, Utah 8 $ 1,798,000 $ 224,750 $ 92,000
Sanpete, Utah 8 $ 1,454,000 $ 181,750 $ 60,000
Franklin, Washington 8 $ 1,895,000 $ 236,875 $ 133,000
Kings, California 7 $ 1,298,000 $ 185,428 $ 112,000
Chaffee, Colorado 7 $ 2,025,000 $ 289,285 $ 143,000
Escambia, Florida 7 $ 1,464,000 $ 209,142 $ 102,000
Hernando, Florida 7 $ 1,035,000 $ 147,857 $ 88,000
Nassau, Florida 7 $ 1,741,000 $ 248,714 $ 118,000
Santa Rosa, Florida 7 $ 1,273,000 $ 181,857 $ 130,000
Allen, Indiana 7 $ 1,179,000 $ 168,428 $ 108,000
Putnam, Indiana 7 $ 1,661,000 $ 237,285 $ 272,000
Shawnee, Kansas 7 $ 866,000 $ 123,714 $ 83,000
Kenton, Kentucky 7 $ 923,000 $ 131,857 $ 100,000
Ottawa, Michigan 7 $ 1,651,000 $ 235,857 $ 114,000
Lyon, Nevada 7 $ 1,213,000 $ 173,285 $ 80,000
Johnston, North Carolina 7 $ 1,901,000 $ 271,571 $ 98,000
Erie, Pennsylvania 7 $ 1,294,000 $ 184,857 $ 113,000
Lexington, South Carolina 7 $ 1,735,000 $ 247,857 $ 185,000
Guadalupe, Texas 7 $ 1,402,000 $ 200,285 $ 128,000
Parker, Texas 7 $ 1,564,000 $ 223,428 $ 141,000
Smith, Texas 7 $ 1,209,000 $ 172,714 $ 167,000
Uintah, Utah 7 $ 1,325,000 $ 189,285 $ 62,000
Roanoke, Virginia 7 $ 1,389,000 $ 198,428 $ 96,000
Spotsylvania, Virginia 7 $ 1,529,000 $ 218,428 $ 127,000
Grays Harbor, Washington 7 $ 1,401,000 $ 200,142 $ 106,000
Cochise, Arizona 6 $ 1,098,000 $ 183,000 $ 62,000
Gila, Arizona 6 $ 1,269,000 $ 211,500 $ 93,000
Yuma, Arizona 6 $ 821,000 $ 136,833 $ 77,000
Humboldt, California 6 $ 1,598,000 $ 266,333 $ 107,000
Lassen, California 6 $ 815,000 $ 135,833 $ 75,000
Clear Creek, Colorado 6 $ 1,350,000 $ 225,000 $ 69,000
Gilpin, Colorado 6 $ 1,103,000 $ 183,833 $ 84,000
Pueblo, Colorado 6 $ 1,059,000 $ 176,500 $ 92,000
Barrow, Georgia 6 $ 1,227,000 $ 204,500 $ 96,000
Jackson, Georgia 6 $ 1,249,000 $ 208,166 $ 104,000
Pickens, Georgia 6 $ 1,529,000 $ 254,833 $ 93,000
Hawaii, Hawaii 6 $ 1,923,000 $ 320,500 $ 130,000
Brown, Indiana 6 $ 1,151,000 $ 191,833 $ 202,000
Worcester, Maryland 6 $ 1,231,000 $ 205,166 $ 122,000
Calhoun, Michigan 6 $ 1,026,000 $ 171,000 $ 216,000
Midland, Michigan 6 $ 1,327,000 $ 221,166 $ 126,000
Carson City, Nevada 6 $ 1,481,000 $ 246,833 $ 76,000
Chatham, North Carolina 6 $ 1,853,000 $ 308,833 $ 135,000
Henderson, North Carolina 6 $ 1,527,000 $ 254,500 $ 81,000
Geauga, Ohio 6 $ 1,060,000 $ 176,666 $ 73,000
Stark, Ohio 6 $ 730,000 $ 121,666 $ 95,000
Creek, Oklahoma 6 $ 1,459,000 $ 243,166 $ 243,000
Wagoner, Oklahoma 6 $ 1,006,000 $ 167,666 $ 86,000
Clatsop, Oregon 6 $ 1,378,000 $ 229,666 $ 114,000
Tillamook, Oregon 6 $ 1,368,000 $ 228,000 $ 208,000
Adams, Pennsylvania 6 $ 1,077,000 $ 179,500 $ 54,000
Beaver, Pennsylvania 6 $ 1,457,000 $ 242,833 $ 92,000
Monroe, Pennsylvania 6 $ 978,000 $ 163,000 $ 201,000
Sevier, Tennessee 6 $ 780,000 $ 130,000 $ 107,000
Henderson, Texas 6 $ 1,383,000 $ 230,500 $ 288,000
Madison, Virginia 6 $ 1,527,000 $ 254,500 $ 89,000
Clallam, Washington 6 $ 1,257,000 $ 209,500 $ 91,000
Mason, Washington 6 $ 1,433,000 $ 238,833 $ 104,000
Walla Walla, Washington 6 $ 1,845,000 $ 307,500 $ 159,000
Whitman, Washington 6 $ 1,121,000 $ 186,833 $ 90,000
Jefferson, Wisconsin 6 $ 1,041,000 $ 173,500 $ 92,000
Plumas, California 5 $ 1,450,000 $ 290,000 $ 175,000
Siskiyou, California 5 $ 862,000 $ 172,400 $ 97,000
Bay, Florida 5 $ 956,000 $ 191,200 $ 94,000
Okaloosa, Florida 5 $ 1,105,000 $ 221,000 $ 141,000
Osceola, Florida 5 $ 1,092,000 $ 218,400 $ 109,000
Bulloch, Georgia 5 $ 595,000 $ 119,000 $ 73,000
Champaign, Illinois 5 $ 871,000 $ 174,200 $ 120,000
Henry, Indiana 5 $ 776,000 $ 155,200 $ 140,000
Vigo, Indiana 5 $ 1,242,000 $ 248,400 $ 199,000
Calvert, Maryland 5 $ 1,391,000 $ 278,200 $ 72,000
Genesee, Michigan 5 $ 1,287,000 $ 257,400 $ 111,000
Franklin, Missouri 5 $ 1,080,000 $ 216,000 $ 91,000
Cumberland, New Jersey 5 $ 1,093,000 $ 218,600 $ 177,000
Davidson, North Carolina 5 $ 1,038,000 $ 207,600 $ 133,000
Montgomery, North Carolina 5 $ 1,526,000 $ 305,200 $ 85,000
Moore, North Carolina 5 $ 1,416,000 $ 283,200 $ 136,000
Rowan, North Carolina 5 $ 758,000 $ 151,600 $ 74,000
Licking, Ohio 5 $ 950,000 $ 190,000 $ 132,000
Union, Pennsylvania 5 $ 976,000 $ 195,200 $ 105,000
Beaufort, South Carolina 5 $ 1,340,000 $ 268,000 $ 118,000
El Paso, Texas 5 $ 910,000 $ 182,000 $ 108,000
Kendall, Texas 5 $ 1,567,000 $ 313,400 $ 114,000
Kane, Utah 5 $ 858,000 $ 171,600 $ 109,000
Augusta, Virginia 5 $ 865,000 $ 173,000 $ 45,000
Bedford, Virginia 5 $ 1,140,000 $ 228,000 $ 130,000
Greene, Virginia 5 $ 891,000 $ 178,200 $ 91,000
Mono, California 4 $ 967,000 $ 241,750 $ 185,000
Gunnison, Colorado 4 $ 942,000 $ 235,500 $ 75,000
Teller, Colorado 4 $ 1,159,000 $ 289,750 $ 110,000
Windham, Connecticut 4 $ 812,000 $ 203,000 $ 113,000
Citrus, Florida 4 $ 710,000 $ 177,500 $ 75,000
Monroe, Florida 4 $ 961,000 $ 240,250 $ 86,000
Bryan, Georgia 4 $ 1,025,000 $ 256,250 $ 165,000
Carroll, Georgia 4 $ 753,000 $ 188,250 $ 92,000
Clarke, Georgia 4 $ 1,224,000 $ 306,000 $ 143,000
Dawson, Georgia 4 $ 1,202,000 $ 300,500 $ 133,000
Morgan, Georgia 4 $ 1,124,000 $ 281,000 $ 192,000
Muscogee, Georgia 4 $ 929,000 $ 232,250 $ 97,000
Richmond, Georgia 4 $ 596,000 $ 149,000 $ 73,000
Kankakee, Illinois 4 $ 949,000 $ 237,250 $ 121,000
McLean, Illinois 4 $ 1,053,000 $ 263,250 $ 117,000
Morgan, Indiana 4 $ 669,000 $ 167,250 $ 78,000
Campbell, Kentucky 4 $ 958,000 $ 239,500 $ 151,000
Daviess, Kentucky 4 $ 676,000 $ 169,000 $ 64,000
Garrard, Kentucky 4 $ 555,000 $ 138,750 $ 86,000
Warren, Kentucky 4 $ 572,000 $ 143,000 $ 79,000
Berrien, Michigan 4 $ 939,000 $ 234,750 $ 81,000
St. Clair, Michigan 4 $ 556,000 $ 139,000 $ 64,000
Carlton, Minnesota 4 $ 1,046,000 $ 261,500 $ 103,000
Douglas, Minnesota 4 $ 674,000 $ 168,500 $ 93,000
Isanti, Minnesota 4 $ 911,000 $ 227,750 $ 87,000
Cass, Missouri 4 $ 837,000 $ 209,250 $ 122,000
Douglas, Nevada 4 $ 774,000 $ 193,500 $ 46,000
Ashe, North Carolina 4 $ 950,000 $ 237,500 $ 143,000
Catawba, North Carolina 4 $ 825,000 $ 206,250 $ 77,000
Franklin, North Carolina 4 $ 685,000 $ 171,250 $ 79,000
Pitt, North Carolina 4 $ 772,000 $ 193,000 $ 88,000
Lake, Ohio 4 $ 587,000 $ 146,750 $ 78,000
Medina, Ohio 4 $ 755,000 $ 188,750 $ 230,000
Seminole, Oklahoma 4 $ 1,270,000 $ 317,500 $ 213,000
Lawrence, Pennsylvania 4 $ 822,000 $ 205,500 $ 47,000
Luzerne, Pennsylvania 4 $ 565,000 $ 141,250 $ 41,000
Schuylkill, Pennsylvania 4 $ 1,046,000 $ 261,500 $ 108,000
Berkeley, South Carolina 4 $ 543,000 $ 135,750 $ 125,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2016

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 43,807 $12,353,458,000 $281,000 $825,000 $120,000 $3,000,000
Home Purchase 9,044 $2,540,139,000 $280,000 $1,036,000 $125,000 $9,999,000
Home Improvement 2,857 $809,396,000 $283,000 $870,000 $111,000 $609,000

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 28,798 $7,879,441,000 $273,000 $1,036,000 $122,000 $9,999,000
Asian 14,508 $4,426,019,000 $305,000 $938,000 $138,000 $1,680,000
Not Provided 7,067 $1,873,394,000 $265,000 $900,000 $124,000 $2,316,000
Not applicable 2,366 $696,895,000 $294,000 $801,000 $0 $0
Hispanic 2,133 $593,119,000 $278,000 $685,000 $110,000 $1,068,000
Black or African American 520 $138,987,000 $267,000 $626,000 $111,000 $937,000
Native Hawaiin or Other Pacific Islander 206 $64,817,000 $314,000 $626,000 $123,000 $488,000
American Indian or Alaskan Native 110 $30,321,000 $275,000 $520,000 $123,000 $465,000

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) 55,650 $15,689,871,000 $281,000 $1,036,000 $121,000 $9,999,000
FHA-insured (Federal Housing Administration) 58 $13,122,000 $226,000 $397,000 $56,000 $155,000
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 40,150 $11,278,309,000 $280,000 $825,000 $125,000 $1,608,000
File Closed For Incompleteness 7,074 $2,029,173,000 $286,000 $938,000 $133,000 $9,999,000
Application Withdrawn By Applicant 3,887 $1,069,062,000 $275,000 $1,036,000 $127,000 $983,000
Loan Purchased By The Institution 2,366 $696,895,000 $294,000 $801,000 $0 $0
Application Denied By Financial Institution 1,786 $496,820,000 $278,000 $870,000 $105,000 $684,000
Application Approved But Not Accepted 445 $132,734,000 $298,000 $625,000 $124,000 $502,000
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
Collateral 705 $204,212,000 $289,000 $870,000 $123,000 $476,000
Debt-To-Income Ratio 514 $143,006,000 $278,000 $650,000 $75,000 $384,000
Credit History 323 $84,209,000 $260,000 $800,000 $110,000 $684,000
Other 108 $28,780,000 $266,000 $584,000 $134,000 $489,000
Employment History 63 $18,272,000 $290,000 $600,000 $86,000 $350,000
Unverifiable Information 33 $8,215,000 $248,000 $405,000 $80,000 $195,000
Mortgage Insurance Denied 14 $3,660,000 $261,000 $417,000 $120,000 $210,000
Insufficient Cash (Downpayment, Closing Cost) 12 $3,368,000 $280,000 $514,000 $88,000 $176,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2016 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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