Provident Funding Associates Mortgage Lending & HMDA Data, 2023

In 2023, Provident Funding Associates of Santa Rosa, CA reported 20,241 mortgage applications totaling $8.2 billion, down 4% from 2022. The average application was for $403,218, and applicants reported an average income of $171,740. 59% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,193), Atlanta-Sandy Springs-Roswell, GA (1,110) and Houston-The Woodlands-Sugar Land, TX (1,029) (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 20,241
Total Mortgage Loan Application Amount $8,161,555,000
Average Mortgage Loan Application Amount $403,218
Highest Mortgage Loan Application Amount $1,395,000
Average Applicant Income $171,740
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Collin, Texas 1,117 $ 549,975,000 $ 492,367 $ 190,000
Denton, Texas 683 $ 315,695,000 $ 462,218 $ 187,000
Harris, Texas 459 $ 166,535,000 $ 362,821 $ 207,000
Maricopa, Arizona 439 $ 185,445,000 $ 422,425 $ 184,000
Wake, North Carolina 388 $ 172,640,000 $ 444,948 $ 181,000
Fort Bend, Texas 376 $ 153,700,000 $ 408,776 $ 189,000
Williamson, Texas 368 $ 163,950,000 $ 445,516 $ 210,000
Tarrant, Texas 326 $ 116,320,000 $ 356,809 $ 156,000
Dallas, Texas 313 $ 126,555,000 $ 404,329 $ 184,000
Forsyth, Georgia 298 $ 152,950,000 $ 513,255 $ 177,000
Gwinnett, Georgia 273 $ 101,455,000 $ 371,630 $ 142,000
Mecklenburg, North Carolina 246 $ 95,850,000 $ 389,634 $ 173,000
Travis, Texas 233 $ 107,975,000 $ 463,412 $ 203,000
Cook, Illinois 231 $ 75,815,000 $ 328,203 $ 151,000
Los Angeles, California 222 $ 112,960,000 $ 508,828 $ 190,000
Jefferson, Kentucky 222 $ 69,760,000 $ 314,234 $ 141,000
Allegheny, Pennsylvania 218 $ 66,510,000 $ 305,091 $ 141,000
King, Washington 216 $ 113,290,000 $ 524,490 $ 193,000
Salt Lake, Utah 214 $ 94,610,000 $ 442,102 $ 181,000
Fulton, Georgia 209 $ 91,905,000 $ 439,736 $ 237,000
Montgomery, Pennsylvania 207 $ 81,515,000 $ 393,792 $ 169,000
Philadelphia, Pennsylvania 193 $ 65,505,000 $ 339,404 $ 147,000
Oakland, Michigan 191 $ 76,095,000 $ 398,403 $ 155,000
Middlesex, New Jersey 185 $ 82,615,000 $ 446,567 $ 167,000
Bucks, Pennsylvania 182 $ 75,030,000 $ 412,252 $ 163,000
San Diego, California 181 $ 102,085,000 $ 564,005 $ 203,000
Washington, Oregon 181 $ 89,555,000 $ 494,779 $ 180,000
Sacramento, California 168 $ 69,780,000 $ 415,357 $ 158,000
Broward, Florida 149 $ 65,635,000 $ 440,503 $ 174,000
Chester, Pennsylvania 143 $ 63,645,000 $ 445,069 $ 212,000
Hillsborough, Florida 140 $ 55,540,000 $ 396,714 $ 166,000
Multnomah, Oregon 134 $ 56,240,000 $ 419,701 $ 155,000
Delaware, Pennsylvania 131 $ 50,665,000 $ 386,755 $ 167,000
Utah, Utah 124 $ 56,800,000 $ 458,064 $ 142,000
Davis, Utah 123 $ 47,255,000 $ 384,186 $ 135,000
Cobb, Georgia 122 $ 52,150,000 $ 427,459 $ 169,000
Orange, California 115 $ 61,525,000 $ 535,000 $ 193,000
Lake, Illinois 102 $ 40,470,000 $ 396,764 $ 178,000
Contra Costa, California 100 $ 52,570,000 $ 525,700 $ 179,000
Riverside, California 100 $ 45,780,000 $ 457,800 $ 168,000
Jefferson, Colorado 97 $ 47,385,000 $ 488,505 $ 172,000
DuPage, Illinois 96 $ 35,010,000 $ 364,687 $ 156,000
Snohomish, Washington 96 $ 49,870,000 $ 519,479 $ 167,000
Fayette, Kentucky 95 $ 27,425,000 $ 288,684 $ 158,000
Bexar, Texas 95 $ 30,175,000 $ 317,631 $ 165,000
Orange, Florida 94 $ 35,560,000 $ 378,297 $ 186,000
Alameda, California 90 $ 48,600,000 $ 540,000 $ 180,000
Hartford, Connecticut 89 $ 25,675,000 $ 288,483 $ 140,000
Durham, North Carolina 89 $ 30,035,000 $ 337,471 $ 162,000
Pinellas, Florida 88 $ 35,480,000 $ 403,181 $ 166,000
Pasco, Florida 87 $ 31,255,000 $ 359,252 $ 151,000
Henrico, Virginia 87 $ 35,515,000 $ 408,218 $ 159,000
Palm Beach, Florida 86 $ 41,700,000 $ 484,883 $ 220,000
Bergen, New Jersey 85 $ 42,085,000 $ 495,117 $ 186,000
Deschutes, Oregon 84 $ 41,220,000 $ 490,714 $ 184,000
New Haven, Connecticut 82 $ 27,280,000 $ 332,682 $ 152,000
Hennepin, Minnesota 82 $ 33,350,000 $ 406,707 $ 180,000
Clark, Washington 81 $ 38,915,000 $ 480,432 $ 192,000
Douglas, Colorado 80 $ 40,920,000 $ 511,500 $ 182,000
Will, Illinois 77 $ 30,055,000 $ 390,324 $ 170,000
Santa Clara, California 76 $ 44,790,000 $ 589,342 $ 222,000
Johnson, Kansas 76 $ 34,120,000 $ 448,947 $ 172,000
Montgomery, Texas 75 $ 27,685,000 $ 369,133 $ 179,000
Miami-Dade, Florida 74 $ 35,870,000 $ 484,729 $ 244,000
Arapahoe, Colorado 73 $ 34,035,000 $ 466,232 $ 151,000
Fairfax, Virginia 73 $ 37,405,000 $ 512,397 $ 172,000
Monmouth, New Jersey 71 $ 32,235,000 $ 454,014 $ 186,000
Placer, California 70 $ 33,810,000 $ 483,000 $ 201,000
Montgomery, Maryland 70 $ 33,250,000 $ 475,000 $ 175,000
Somerset, New Jersey 70 $ 36,000,000 $ 514,285 $ 203,000
Clackamas, Oregon 68 $ 33,810,000 $ 497,205 $ 172,000
San Bernardino, California 65 $ 28,695,000 $ 441,461 $ 169,000
Denver, Colorado 65 $ 32,555,000 $ 500,846 $ 181,000
Lee, Florida 65 $ 25,215,000 $ 387,923 $ 199,000
Morris, New Jersey 65 $ 29,915,000 $ 460,230 $ 168,000
Duval, Florida 64 $ 21,180,000 $ 330,937 $ 134,000
Weber, Utah 64 $ 25,110,000 $ 392,343 $ 127,000
Pima, Arizona 63 $ 19,195,000 $ 304,682 $ 134,000
Union, North Carolina 62 $ 27,550,000 $ 444,354 $ 179,000
Brazoria, Texas 62 $ 21,290,000 $ 343,387 $ 179,000
Middlesex, Massachusetts 61 $ 24,735,000 $ 405,491 $ 162,000
Wayne, Michigan 60 $ 20,410,000 $ 340,166 $ 181,000
El Paso, Colorado 59 $ 23,555,000 $ 399,237 $ 178,000
St. Louis, Missouri 59 $ 22,135,000 $ 375,169 $ 159,000
Cabarrus, North Carolina 59 $ 23,145,000 $ 392,288 $ 154,000
Marion, Indiana 54 $ 13,810,000 $ 255,740 $ 146,000
Cumberland, Pennsylvania 54 $ 16,710,000 $ 309,444 $ 134,000
Lancaster, Pennsylvania 52 $ 15,670,000 $ 301,346 $ 134,000
Macomb, Michigan 51 $ 13,725,000 $ 269,117 $ 102,000
Burlington, New Jersey 51 $ 20,635,000 $ 404,607 $ 192,000
St. Johns, Florida 50 $ 21,030,000 $ 420,600 $ 216,000
DeKalb, Georgia 50 $ 19,500,000 $ 390,000 $ 144,000
Oklahoma, Oklahoma 50 $ 15,280,000 $ 305,600 $ 156,000
Pierce, Washington 50 $ 21,380,000 $ 427,600 $ 152,000
Brevard, Florida 49 $ 18,075,000 $ 368,877 $ 143,000
Mercer, New Jersey 49 $ 19,005,000 $ 387,857 $ 167,000
Chesterfield, Virginia 49 $ 17,485,000 $ 356,836 $ 164,000
Cherokee, Georgia 48 $ 17,210,000 $ 358,541 $ 155,000
Hamilton, Indiana 47 $ 17,125,000 $ 364,361 $ 173,000
Franklin, Ohio 47 $ 15,435,000 $ 328,404 $ 156,000
Manatee, Florida 45 $ 17,645,000 $ 392,111 $ 187,000
York, South Carolina 45 $ 18,355,000 $ 407,888 $ 160,000
Boulder, Colorado 44 $ 19,360,000 $ 440,000 $ 190,000
Sarasota, Florida 44 $ 18,350,000 $ 417,045 $ 188,000
Bristol, Massachusetts 44 $ 17,950,000 $ 407,954 $ 145,000
Camden, New Jersey 43 $ 14,435,000 $ 335,697 $ 181,000
Northampton, Pennsylvania 43 $ 13,635,000 $ 317,093 $ 143,000
San Joaquin, California 42 $ 20,420,000 $ 486,190 $ 194,000
Adams, Colorado 42 $ 18,250,000 $ 434,523 $ 154,000
Guilford, North Carolina 42 $ 13,870,000 $ 330,238 $ 133,000
Washington, Utah 42 $ 15,370,000 $ 365,952 $ 149,000
Greenville, South Carolina 41 $ 13,555,000 $ 330,609 $ 128,000
Loudoun, Virginia 41 $ 21,175,000 $ 516,463 $ 196,000
Cuyahoga, Ohio 40 $ 10,680,000 $ 267,000 $ 121,000
Pinal, Arizona 39 $ 12,365,000 $ 317,051 $ 140,000
Fairfield, Connecticut 39 $ 17,265,000 $ 442,692 $ 182,000
Seminole, Florida 38 $ 14,040,000 $ 369,473 $ 185,000
Davidson, Tennessee 38 $ 13,510,000 $ 355,526 $ 158,000
Galveston, Texas 38 $ 12,280,000 $ 323,157 $ 173,000
Spokane, Washington 38 $ 13,600,000 $ 357,894 $ 140,000
Clark, Nevada 37 $ 13,195,000 $ 356,621 $ 130,000
El Dorado, California 36 $ 17,350,000 $ 481,944 $ 200,000
Fresno, California 36 $ 12,830,000 $ 356,388 $ 176,000
Larimer, Colorado 36 $ 14,670,000 $ 407,500 $ 185,000
Ventura, California 35 $ 16,165,000 $ 461,857 $ 205,000
Hays, Texas 35 $ 14,435,000 $ 412,428 $ 174,000
Waukesha, Wisconsin 35 $ 12,885,000 $ 368,142 $ 123,000
Worcester, Massachusetts 34 $ 14,650,000 $ 430,882 $ 176,000
Baltimore City, Maryland 33 $ 12,525,000 $ 379,545 $ 184,000
Norfolk, Massachusetts 33 $ 14,845,000 $ 449,848 $ 181,000
Ocean, New Jersey 33 $ 11,775,000 $ 356,818 $ 156,000
Union, New Jersey 33 $ 15,915,000 $ 482,272 $ 184,000
New Hanover, North Carolina 33 $ 11,455,000 $ 347,121 $ 174,000
Lehigh, Pennsylvania 33 $ 10,965,000 $ 332,272 $ 115,000
Washtenaw, Michigan 32 $ 11,060,000 $ 345,625 $ 153,000
Washington, Minnesota 32 $ 11,530,000 $ 360,312 $ 159,000
Jackson, Missouri 32 $ 10,000,000 $ 312,500 $ 119,000
Butler, Pennsylvania 32 $ 9,450,000 $ 295,312 $ 143,000
Westmoreland, Pennsylvania 32 $ 7,780,000 $ 243,125 $ 108,000
Milwaukee, Wisconsin 32 $ 9,830,000 $ 307,187 $ 122,000
San Mateo, California 31 $ 17,025,000 $ 549,193 $ 226,000
Lake, Florida 31 $ 11,555,000 $ 372,741 $ 153,000
Leon, Florida 31 $ 10,225,000 $ 329,838 $ 144,000
Polk, Florida 31 $ 9,795,000 $ 315,967 $ 167,000
Dakota, Minnesota 31 $ 11,245,000 $ 362,741 $ 145,000
Knox, Tennessee 31 $ 11,535,000 $ 372,096 $ 154,000
Charleston, South Carolina 30 $ 13,360,000 $ 445,333 $ 189,000
Rockwall, Texas 30 $ 10,770,000 $ 359,000 $ 201,000
Sonoma, California 29 $ 14,705,000 $ 507,068 $ 172,000
Frederick, Maryland 29 $ 13,425,000 $ 462,931 $ 165,000
Lane, Oregon 29 $ 10,095,000 $ 348,103 $ 146,000
Marion, Oregon 29 $ 12,305,000 $ 424,310 $ 171,000
Hidalgo, Texas 29 $ 9,555,000 $ 329,482 $ 194,000
Osceola, Florida 27 $ 10,775,000 $ 399,074 $ 188,000
Essex, Massachusetts 27 $ 12,625,000 $ 467,592 $ 178,000
Essex, New Jersey 27 $ 13,085,000 $ 484,629 $ 271,000
Passaic, New Jersey 27 $ 11,815,000 $ 437,592 $ 200,000
Anne Arundel, Maryland 26 $ 11,190,000 $ 430,384 $ 203,000
Lancaster, South Carolina 26 $ 11,660,000 $ 448,461 $ 148,000
Shelby, Tennessee 26 $ 8,000,000 $ 307,692 $ 157,000
Plymouth, Massachusetts 25 $ 10,255,000 $ 410,200 $ 163,000
St. Charles, Missouri 25 $ 9,165,000 $ 366,600 $ 143,000
Benton, Oregon 25 $ 10,815,000 $ 432,600 $ 157,000
Grayson, Texas 25 $ 7,255,000 $ 290,200 $ 207,000
Weld, Colorado 24 $ 8,570,000 $ 357,083 $ 241,000
Collier, Florida 24 $ 11,170,000 $ 465,416 $ 223,000
Oldham, Kentucky 24 $ 9,810,000 $ 408,750 $ 168,000
Johnston, North Carolina 24 $ 7,310,000 $ 304,583 $ 193,000
Berkeley, South Carolina 24 $ 9,850,000 $ 410,416 $ 173,000
San Luis Obispo, California 23 $ 10,335,000 $ 449,347 $ 136,000
Howard, Maryland 23 $ 10,085,000 $ 438,478 $ 182,000
Spartanburg, South Carolina 23 $ 6,125,000 $ 266,304 $ 152,000
Kaufman, Texas 23 $ 6,715,000 $ 291,956 $ 144,000
Hanover, Virginia 23 $ 8,805,000 $ 382,826 $ 175,000
Prince William, Virginia 23 $ 10,825,000 $ 470,652 $ 169,000
Alachua, Florida 22 $ 6,750,000 $ 306,818 $ 129,000
Prince George's, Maryland 22 $ 9,350,000 $ 425,000 $ 211,000
Ramsey, Minnesota 22 $ 6,150,000 $ 279,545 $ 117,000
Hudson, New Jersey 22 $ 12,060,000 $ 548,181 $ 240,000
Johnson, Texas 22 $ 8,600,000 $ 390,909 $ 141,000
Stanislaus, California 21 $ 6,765,000 $ 322,142 $ 216,000
Hall, Georgia 21 $ 7,305,000 $ 347,857 $ 201,000
Kane, Illinois 21 $ 7,325,000 $ 348,809 $ 165,000
Baltimore, Maryland 21 $ 7,365,000 $ 350,714 $ 154,000
Hunterdon, New Jersey 21 $ 9,015,000 $ 429,285 $ 164,000
Orange, North Carolina 21 $ 8,455,000 $ 402,619 $ 200,000
Hamilton, Ohio 21 $ 6,235,000 $ 296,904 $ 148,000
Dauphin, Pennsylvania 21 $ 6,005,000 $ 285,952 $ 127,000
Kern, California 20 $ 8,190,000 $ 409,500 $ 204,000
Marion, Florida 20 $ 5,390,000 $ 269,500 $ 119,000
Forsyth, North Carolina 20 $ 6,460,000 $ 323,000 $ 143,000
Washington, Pennsylvania 20 $ 5,660,000 $ 283,000 $ 127,000
Middlesex, Connecticut 19 $ 4,405,000 $ 231,842 $ 114,000
St. Lucie, Florida 19 $ 6,065,000 $ 319,210 $ 173,000
Volusia, Florida 19 $ 6,605,000 $ 347,631 $ 161,000
Ada, Idaho 19 $ 7,975,000 $ 419,736 $ 182,000
Berks, Pennsylvania 19 $ 5,865,000 $ 308,684 $ 139,000
Mohave, Arizona 18 $ 3,870,000 $ 215,000 $ 125,000
Solano, California 18 $ 7,070,000 $ 392,777 $ 372,000
La Plata, Colorado 18 $ 8,680,000 $ 482,222 $ 167,000
Hendricks, Indiana 18 $ 4,970,000 $ 276,111 $ 105,000
Sedgwick, Kansas 18 $ 5,470,000 $ 303,888 $ 128,000
Kent, Michigan 18 $ 6,350,000 $ 352,777 $ 145,000
Yavapai, Arizona 17 $ 5,255,000 $ 309,117 $ 170,000
New London, Connecticut 17 $ 5,435,000 $ 319,705 $ 131,000
Charlotte, Florida 17 $ 5,705,000 $ 335,588 $ 134,000
Barnstable, Massachusetts 17 $ 6,885,000 $ 405,000 $ 134,000
Washoe, Nevada 17 $ 7,365,000 $ 433,235 $ 192,000
Chatham, North Carolina 17 $ 8,265,000 $ 486,176 $ 210,000
Horry, South Carolina 17 $ 5,955,000 $ 350,294 $ 293,000
Lubbock, Texas 17 $ 4,905,000 $ 288,529 $ 183,000
Brunswick, North Carolina 16 $ 4,330,000 $ 270,625 $ 123,000
Gaston, North Carolina 16 $ 4,640,000 $ 290,000 $ 130,000
York, Pennsylvania 16 $ 4,180,000 $ 261,250 $ 135,000
Beaufort, South Carolina 16 $ 6,540,000 $ 408,750 $ 219,000
Bell, Texas 16 $ 4,520,000 $ 282,500 $ 263,000
San Francisco, California 15 $ 9,255,000 $ 617,000 $ 296,000
Tolland, Connecticut 15 $ 4,265,000 $ 284,333 $ 121,000
Paulding, Georgia 15 $ 5,345,000 $ 356,333 $ 131,000
Tulsa, Oklahoma 15 $ 4,095,000 $ 273,000 $ 144,000
Williamson, Tennessee 15 $ 7,445,000 $ 496,333 $ 175,000
Ellis, Texas 15 $ 6,775,000 $ 451,666 $ 213,000
Parker, Texas 15 $ 4,285,000 $ 285,666 $ 163,000
Martin, Florida 14 $ 5,430,000 $ 387,857 $ 213,000
Columbia, Georgia 14 $ 4,500,000 $ 321,428 $ 130,000
Summit, Ohio 14 $ 3,340,000 $ 238,571 $ 144,000
Lackawanna, Pennsylvania 14 $ 4,160,000 $ 297,142 $ 128,000
Monroe, Pennsylvania 14 $ 3,880,000 $ 277,142 $ 150,000
Dorchester, South Carolina 14 $ 3,880,000 $ 277,142 $ 127,000
Lexington, South Carolina 14 $ 4,390,000 $ 313,571 $ 108,000
Rutherford, Tennessee 14 $ 4,130,000 $ 295,000 $ 98,000
Tooele, Utah 14 $ 5,220,000 $ 372,857 $ 156,000
Lynchburg, Virginia 14 $ 2,590,000 $ 185,000 $ 106,000
Thurston, Washington 14 $ 5,760,000 $ 411,428 $ 181,000
Monterey, California 13 $ 7,025,000 $ 540,384 $ 176,000
Yolo, California 13 $ 4,975,000 $ 382,692 $ 134,000
Citrus, Florida 13 $ 3,455,000 $ 265,769 $ 135,000
Hernando, Florida 13 $ 3,525,000 $ 271,153 $ 104,000
Peoria, Illinois 13 $ 3,115,000 $ 239,615 $ 208,000
Shelby, Kentucky 13 $ 3,855,000 $ 296,538 $ 122,000
Clay, Missouri 13 $ 3,875,000 $ 298,076 $ 134,000
Sussex, New Jersey 13 $ 4,355,000 $ 335,000 $ 145,000
Clermont, Ohio 13 $ 4,075,000 $ 313,461 $ 142,000
Linn, Oregon 13 $ 4,785,000 $ 368,076 $ 144,000
Erie, Pennsylvania 13 $ 2,815,000 $ 216,538 $ 102,000
Brazos, Texas 13 $ 4,075,000 $ 313,461 $ 167,000
Comal, Texas 13 $ 4,765,000 $ 366,538 $ 173,000
Nueces, Texas 13 $ 4,495,000 $ 345,769 $ 378,000
Campbell, Virginia 13 $ 3,405,000 $ 261,923 $ 115,000
Whatcom, Washington 13 $ 6,245,000 $ 480,384 $ 188,000
Humboldt, California 12 $ 4,220,000 $ 351,666 $ 114,000
Broomfield, Colorado 12 $ 5,930,000 $ 494,166 $ 183,000
McHenry, Illinois 12 $ 3,150,000 $ 262,500 $ 104,000
Gloucester, New Jersey 12 $ 3,950,000 $ 329,166 $ 131,000
Franklin, North Carolina 12 $ 3,960,000 $ 330,000 $ 115,000
Iredell, North Carolina 12 $ 4,960,000 $ 413,333 $ 195,000
Butler, Ohio 12 $ 3,810,000 $ 317,500 $ 154,000
Canadian, Oklahoma 12 $ 3,350,000 $ 279,166 $ 128,000
Hamilton, Tennessee 12 $ 4,640,000 $ 386,666 $ 163,000
Sumner, Tennessee 12 $ 4,530,000 $ 377,500 $ 148,000
Hunt, Texas 12 $ 3,750,000 $ 312,500 $ 172,000
Navajo, Arizona 11 $ 3,225,000 $ 293,181 $ 218,000
Nevada, California 11 $ 4,745,000 $ 431,363 $ 166,000
Santa Cruz, California 11 $ 5,815,000 $ 528,636 $ 188,000
Escambia, Florida 11 $ 3,215,000 $ 292,272 $ 185,000
Dawson, Georgia 11 $ 3,275,000 $ 297,727 $ 159,000
Fayette, Georgia 11 $ 4,475,000 $ 406,818 $ 146,000
Oconee, Georgia 11 $ 4,935,000 $ 448,636 $ 149,000
Walton, Georgia 11 $ 4,275,000 $ 388,636 $ 143,000
McLean, Illinois 11 $ 3,515,000 $ 319,545 $ 121,000
Clark, Indiana 11 $ 2,775,000 $ 252,272 $ 114,000
Hancock, Indiana 11 $ 3,165,000 $ 287,727 $ 120,000
Johnson, Indiana 11 $ 2,965,000 $ 269,545 $ 112,000
Bullitt, Kentucky 11 $ 3,165,000 $ 287,727 $ 140,000
Scott, Kentucky 11 $ 2,365,000 $ 215,000 $ 146,000
Worcester, Maryland 11 $ 3,075,000 $ 279,545 $ 196,000
Anoka, Minnesota 11 $ 3,005,000 $ 273,181 $ 97,000
St. Louis City, Missouri 11 $ 2,555,000 $ 232,272 $ 145,000
Buncombe, North Carolina 11 $ 4,155,000 $ 377,727 $ 134,000
Montgomery, Ohio 11 $ 2,715,000 $ 246,818 $ 96,000
Warren, Ohio 11 $ 4,245,000 $ 385,909 $ 151,000
Beaver, Pennsylvania 11 $ 2,545,000 $ 231,363 $ 109,000
Richland, South Carolina 11 $ 3,315,000 $ 301,363 $ 128,000
Bedford, Virginia 11 $ 3,285,000 $ 298,636 $ 128,000
Richmond City, Virginia 11 $ 3,655,000 $ 332,272 $ 143,000
Cowlitz, Washington 11 $ 4,815,000 $ 437,727 $ 158,000
Mesa, Colorado 10 $ 3,660,000 $ 366,000 $ 124,000
Bay, Florida 10 $ 2,880,000 $ 288,000 $ 163,000
Sumter, Florida 10 $ 3,140,000 $ 314,000 $ 151,000
Clarke, Georgia 10 $ 2,700,000 $ 270,000 $ 126,000
Henry, Georgia 10 $ 3,240,000 $ 324,000 $ 183,000
Madison, Kentucky 10 $ 3,210,000 $ 321,000 $ 133,000
Hampden, Massachusetts 10 $ 3,760,000 $ 376,000 $ 147,000
Suffolk, Massachusetts 10 $ 4,150,000 $ 415,000 $ 130,000
Goodhue, Minnesota 10 $ 2,090,000 $ 209,000 $ 112,000
Atlantic, New Jersey 10 $ 2,290,000 $ 229,000 $ 381,000
Delaware, Ohio 10 $ 3,840,000 $ 384,000 $ 143,000
Lorain, Ohio 10 $ 2,570,000 $ 257,000 $ 165,000
Medina, Ohio 10 $ 2,550,000 $ 255,000 $ 111,000
Centre, Pennsylvania 10 $ 3,090,000 $ 309,000 $ 133,000
Anderson, South Carolina 10 $ 3,420,000 $ 342,000 $ 152,000
Wilson, Tennessee 10 $ 4,180,000 $ 418,000 $ 146,000
Waller, Texas 10 $ 3,420,000 $ 342,000 $ 157,000
Benton, Washington 10 $ 4,240,000 $ 424,000 $ 115,000
Kitsap, Washington 10 $ 4,970,000 $ 497,000 $ 197,000
Gila, Arizona 9 $ 3,425,000 $ 380,555 $ 285,000
Madera, California 9 $ 3,735,000 $ 415,000 $ 195,000
Mono, California 9 $ 4,745,000 $ 527,222 $ 198,000
Shasta, California 9 $ 3,395,000 $ 377,222 $ 123,000
Summit, Colorado 9 $ 4,155,000 $ 461,666 $ 172,000
Litchfield, Connecticut 9 $ 2,495,000 $ 277,222 $ 122,000
Clay, Florida 9 $ 2,725,000 $ 302,777 $ 181,000
Chatham, Georgia 9 $ 2,255,000 $ 250,555 $ 99,000
Clayton, Georgia 9 $ 1,425,000 $ 158,333 $ 131,000
Coweta, Georgia 9 $ 3,245,000 $ 360,555 $ 137,000
Jackson, Georgia 9 $ 3,605,000 $ 400,555 $ 226,000
Tazewell, Illinois 9 $ 2,525,000 $ 280,555 $ 133,000
Floyd, Indiana 9 $ 2,175,000 $ 241,666 $ 146,000
Scott, Minnesota 9 $ 4,085,000 $ 453,888 $ 142,000
Fairfield, Ohio 9 $ 2,275,000 $ 252,777 $ 97,000
Yamhill, Oregon 9 $ 4,305,000 $ 478,333 $ 131,000
El Paso, Texas 9 $ 2,685,000 $ 298,333 $ 188,000
Smith, Texas 9 $ 3,395,000 $ 377,222 $ 233,000
Box Elder, Utah 9 $ 2,695,000 $ 299,444 $ 116,000
Island, Washington 9 $ 4,435,000 $ 492,777 $ 193,000
Cochise, Arizona 8 $ 2,150,000 $ 268,750 $ 103,000
Coconino, Arizona 8 $ 3,070,000 $ 383,750 $ 209,000
Flagler, Florida 8 $ 2,040,000 $ 255,000 $ 105,000
Indian River, Florida 8 $ 2,260,000 $ 282,500 $ 177,000
Houston, Georgia 8 $ 1,600,000 $ 200,000 $ 123,000
Liberty, Georgia 8 $ 1,240,000 $ 155,000 $ 124,000
Muscogee, Georgia 8 $ 1,570,000 $ 196,250 $ 1,414,000
Jessamine, Kentucky 8 $ 2,450,000 $ 306,250 $ 122,000
Spencer, Kentucky 8 $ 2,280,000 $ 285,000 $ 110,000
Carroll, Maryland 8 $ 3,480,000 $ 435,000 $ 192,000
Harford, Maryland 8 $ 3,750,000 $ 468,750 $ 210,000
Pitt, North Carolina 8 $ 1,200,000 $ 150,000 $ 160,000
Cleveland, Oklahoma 8 $ 1,920,000 $ 240,000 $ 102,000
Logan, Oklahoma 8 $ 2,770,000 $ 346,250 $ 146,000
Blount, Tennessee 8 $ 2,940,000 $ 367,500 $ 146,000
Cameron, Texas 8 $ 2,510,000 $ 313,750 $ 131,000
Guadalupe, Texas 8 $ 2,290,000 $ 286,250 $ 110,000
Stafford, Virginia 8 $ 3,550,000 $ 443,750 $ 162,000
Chelan, Washington 8 $ 3,010,000 $ 376,250 $ 155,000
Racine, Wisconsin 8 $ 1,390,000 $ 173,750 $ 71,000
San Benito, California 7 $ 4,055,000 $ 579,285 $ 298,000
Santa Barbara, California 7 $ 3,335,000 $ 476,428 $ 401,000
Tulare, California 7 $ 2,375,000 $ 339,285 $ 151,000
Windham, Connecticut 7 $ 1,815,000 $ 259,285 $ 107,000
Bryan, Georgia 7 $ 1,635,000 $ 233,571 $ 82,000
Blaine, Idaho 7 $ 2,545,000 $ 363,571 $ 112,000
Madison, Indiana 7 $ 1,415,000 $ 202,142 $ 96,000
Hardin, Kentucky 7 $ 2,075,000 $ 296,428 $ 173,000
Kenton, Kentucky 7 $ 1,295,000 $ 185,000 $ 71,000
Warren, Kentucky 7 $ 2,245,000 $ 320,714 $ 103,000
Ingham, Michigan 7 $ 1,445,000 $ 206,428 $ 100,000
Livingston, Michigan 7 $ 2,315,000 $ 330,714 $ 120,000
Carver, Minnesota 7 $ 2,085,000 $ 297,857 $ 113,000
Jefferson, Missouri 7 $ 1,725,000 $ 246,428 $ 94,000
Warren, New Jersey 7 $ 2,595,000 $ 370,714 $ 193,000
Alamance, North Carolina 7 $ 2,325,000 $ 332,142 $ 134,000
Lincoln, North Carolina 7 $ 2,165,000 $ 309,285 $ 170,000
Onslow, North Carolina 7 $ 1,975,000 $ 282,142 $ 145,000
Pike, Pennsylvania 7 $ 2,295,000 $ 327,857 $ 193,000
Skagit, Washington 7 $ 2,655,000 $ 379,285 $ 115,000
Washington, Wisconsin 7 $ 2,545,000 $ 363,571 $ 124,000
Merced, California 6 $ 2,150,000 $ 358,333 $ 101,000
Sutter, California 6 $ 1,580,000 $ 263,333 $ 115,000
Elbert, Colorado 6 $ 2,980,000 $ 496,666 $ 206,000
Barrow, Georgia 6 $ 1,540,000 $ 256,666 $ 163,000
Bartow, Georgia 6 $ 1,330,000 $ 221,666 $ 118,000
Spalding, Georgia 6 $ 1,810,000 $ 301,666 $ 99,000
Canyon, Idaho 6 $ 2,540,000 $ 423,333 $ 207,000
Kendall, Illinois 6 $ 2,140,000 $ 356,666 $ 153,000
Boone, Indiana 6 $ 2,870,000 $ 478,333 $ 197,000
St. Joseph, Indiana 6 $ 1,900,000 $ 316,666 $ 185,000
Tippecanoe, Indiana 6 $ 1,240,000 $ 206,666 $ 170,000
Harvey, Kansas 6 $ 1,360,000 $ 226,666 $ 97,000
Woodford, Kentucky 6 $ 2,270,000 $ 378,333 $ 124,000
Ottawa, Michigan 6 $ 2,500,000 $ 416,666 $ 196,000
Olmsted, Minnesota 6 $ 1,460,000 $ 243,333 $ 77,000
Catawba, North Carolina 6 $ 1,460,000 $ 243,333 $ 95,000
Cumberland, North Carolina 6 $ 1,360,000 $ 226,666 $ 140,000
Haywood, North Carolina 6 $ 2,310,000 $ 385,000 $ 189,000
Pender, North Carolina 6 $ 2,480,000 $ 413,333 $ 244,000
Rowan, North Carolina 6 $ 2,110,000 $ 351,666 $ 139,000
Licking, Ohio 6 $ 1,610,000 $ 268,333 $ 87,000
Lawrence, Pennsylvania 6 $ 920,000 $ 153,333 $ 92,000
Aiken, South Carolina 6 $ 1,740,000 $ 290,000 $ 100,000
Maury, Tennessee 6 $ 2,250,000 $ 375,000 $ 133,000
Sevier, Tennessee 6 $ 2,250,000 $ 375,000 $ 203,000
Kendall, Texas 6 $ 2,740,000 $ 456,666 $ 177,000
Webb, Texas 6 $ 1,960,000 $ 326,666 $ 0
Cache, Utah 6 $ 2,090,000 $ 348,333 $ 109,000
Wasatch, Utah 6 $ 3,270,000 $ 545,000 $ 193,000
Albemarle, Virginia 6 $ 2,920,000 $ 486,666 $ 156,000
Chesapeake, Virginia 6 $ 2,640,000 $ 440,000 $ 193,000
Virginia Beach, Virginia 6 $ 2,150,000 $ 358,333 $ 173,000
Dane, Wisconsin 6 $ 1,760,000 $ 293,333 $ 153,000
Mendocino, California 5 $ 2,125,000 $ 425,000 $ 273,000
Tuolumne, California 5 $ 1,255,000 $ 251,000 $ 88,000
Park, Colorado 5 $ 1,685,000 $ 337,000 $ 114,000
Pueblo, Colorado 5 $ 1,435,000 $ 287,000 $ 79,000
Teller, Colorado 5 $ 1,805,000 $ 361,000 $ 120,000
Putnam, Florida 5 $ 1,165,000 $ 233,000 $ 99,000
Richmond, Georgia 5 $ 1,205,000 $ 241,000 $ 180,000
Kootenai, Idaho 5 $ 2,255,000 $ 451,000 $ 123,000
Cecil, Maryland 5 $ 1,905,000 $ 381,000 $ 75,000
Charles, Maryland 5 $ 1,985,000 $ 397,000 $ 96,000
Genesee, Michigan 5 $ 1,065,000 $ 213,000 $ 104,000
Carteret, North Carolina 5 $ 1,605,000 $ 321,000 $ 175,000
Davidson, North Carolina 5 $ 1,825,000 $ 365,000 $ 135,000
Surry, North Carolina 5 $ 1,875,000 $ 375,000 $ 139,000
Portage, Ohio 5 $ 1,415,000 $ 283,000 $ 148,000
Polk, Oregon 5 $ 1,465,000 $ 293,000 $ 138,000
Washington, Tennessee 5 $ 1,505,000 $ 301,000 $ 204,000
Hood, Texas 5 $ 1,675,000 $ 335,000 $ 170,000
Liberty, Texas 5 $ 1,355,000 $ 271,000 $ 138,000
McLennan, Texas 5 $ 1,605,000 $ 321,000 $ 208,000
Alexandria, Virginia 5 $ 1,755,000 $ 351,000 $ 138,000
New Kent, Virginia 5 $ 1,735,000 $ 347,000 $ 127,000
Norfolk, Virginia 5 $ 1,675,000 $ 335,000 $ 168,000
Mason, Washington 5 $ 1,775,000 $ 355,000 $ 107,000
Kenosha, Wisconsin 5 $ 1,785,000 $ 357,000 $ 109,000
Ozaukee, Wisconsin 5 $ 2,325,000 $ 465,000 $ 203,000
Butte, California 4 $ 1,440,000 $ 360,000 $ 251,000
Calaveras, California 4 $ 1,490,000 $ 372,500 $ 164,000
Napa, California 4 $ 2,410,000 $ 602,500 $ 185,000
Yuba, California 4 $ 1,370,000 $ 342,500 $ 173,000
Gunnison, Colorado 4 $ 2,470,000 $ 617,500 $ 164,000
Highlands, Florida 4 $ 870,000 $ 217,500 $ 73,000
Monroe, Florida 4 $ 2,110,000 $ 527,500 $ 135,000
Okaloosa, Florida 4 $ 1,870,000 $ 467,500 $ 190,000
Santa Rosa, Florida 4 $ 1,160,000 $ 290,000 $ 108,000
Walton, Florida 4 $ 2,200,000 $ 550,000 $ 220,000
Morgan, Georgia 4 $ 1,890,000 $ 472,500 $ 156,000
Pickens, Georgia 4 $ 1,280,000 $ 320,000 $ 256,000
Champaign, Illinois 4 $ 800,000 $ 200,000 $ 132,000
Madison, Illinois 4 $ 1,190,000 $ 297,500 $ 174,000
Leavenworth, Kansas 4 $ 1,370,000 $ 342,500 $ 127,000
Miami, Kansas 4 $ 1,660,000 $ 415,000 $ 142,000
Boyle, Kentucky 4 $ 810,000 $ 202,500 $ 60,000
Campbell, Kentucky 4 $ 1,230,000 $ 307,500 $ 118,000
Nelson, Kentucky 4 $ 920,000 $ 230,000 $ 63,000
Kalamazoo, Michigan 4 $ 1,140,000 $ 285,000 $ 124,000
Wright, Minnesota 4 $ 1,410,000 $ 352,500 $ 146,000
Franklin, Missouri 4 $ 880,000 $ 220,000 $ 101,000
Granville, North Carolina 4 $ 1,490,000 $ 372,500 $ 128,000
Lee, North Carolina 4 $ 1,190,000 $ 297,500 $ 107,000
Nash, North Carolina 4 $ 900,000 $ 225,000 $ 100,000
Allen, Ohio 4 $ 1,120,000 $ 280,000 $ 111,000
Perry, Ohio 4 $ 620,000 $ 155,000 $ 61,000
Columbia, Oregon 4 $ 1,890,000 $ 472,500 $ 120,000
Jackson, Oregon 4 $ 1,560,000 $ 390,000 $ 103,000
Carbon, Pennsylvania 4 $ 1,020,000 $ 255,000 $ 141,000
Luzerne, Pennsylvania 4 $ 990,000 $ 247,500 $ 110,000
Florence, South Carolina 4 $ 830,000 $ 207,500 $ 157,000
Pickens, South Carolina 4 $ 1,010,000 $ 252,500 $ 164,000
Chambers, Texas 4 $ 1,230,000 $ 307,500 $ 129,000
Midland, Texas 4 $ 1,650,000 $ 412,500 $ 171,000
Navarro, Texas 4 $ 1,090,000 $ 272,500 $ 197,000
Randall, Texas 4 $ 1,380,000 $ 345,000 $ 136,000
Washington, Texas 4 $ 1,950,000 $ 487,500 $ 172,000
Iron, Utah 4 $ 1,000,000 $ 250,000 $ 196,000
Summit, Utah 4 $ 2,080,000 $ 520,000 $ 547,000
Amelia, Virginia 4 $ 960,000 $ 240,000 $ 72,000
Appomattox, Virginia 4 $ 1,130,000 $ 282,500 $ 89,000
Montgomery, Virginia 4 $ 1,360,000 $ 340,000 $ 111,000
Powhatan, Virginia 4 $ 1,450,000 $ 362,500 $ 166,000
Roanoke, Virginia 4 $ 770,000 $ 192,500 $ 119,000
Kittitas, Washington 4 $ 1,950,000 $ 487,500 $ 173,000
Whitman, Washington 4 $ 1,670,000 $ 417,500 $ 111,000
Yakima, Washington 4 $ 1,100,000 $ 275,000 $ 100,000
Jefferson, Wisconsin 4 $ 1,270,000 $ 317,500 $ 114,000
Oconto, Wisconsin 4 $ 1,090,000 $ 272,500 $ 92,000
Marin, California 3 $ 1,335,000 $ 445,000 $ 133,000
Chaffee, Colorado 3 $ 1,315,000 $ 438,333 $ 176,000
Fremont, Colorado 3 $ 735,000 $ 245,000 $ 71,000
Montezuma, Colorado 3 $ 1,375,000 $ 458,333 $ 107,000
Bibb, Georgia 3 $ 515,000 $ 171,666 $ 123,000
Carroll, Georgia 3 $ 605,000 $ 201,666 $ 75,000
Floyd, Georgia 3 $ 525,000 $ 175,000 $ 88,000
Gilmer, Georgia 3 $ 1,405,000 $ 468,333 $ 237,000
Lowndes, Georgia 3 $ 625,000 $ 208,333 $ 112,000
Peach, Georgia 3 $ 685,000 $ 228,333 $ 383,000
Whitfield, Georgia 3 $ 1,065,000 $ 355,000 $ 125,000
Bonneville, Idaho 3 $ 1,235,000 $ 411,666 $ 112,000
Woodford, Illinois 3 $ 705,000 $ 235,000 $ 113,000
Howard, Indiana 3 $ 505,000 $ 168,333 $ 96,000
Lake, Indiana 3 $ 1,495,000 $ 498,333 $ 205,000
Morgan, Indiana 3 $ 475,000 $ 158,333 $ 108,000
Wyandotte, Kansas 3 $ 1,235,000 $ 411,666 $ 130,000
Boone, Kentucky 3 $ 765,000 $ 255,000 $ 73,000
Clark, Kentucky 3 $ 735,000 $ 245,000 $ 85,000
Franklin, Kentucky 3 $ 715,000 $ 238,333 $ 82,000
Garrard, Kentucky 3 $ 855,000 $ 285,000 $ 120,000
Meade, Kentucky 3 $ 985,000 $ 328,333 $ 112,000
Rowan, Kentucky 3 $ 385,000 $ 128,333 $ 51,000
Berkshire, Massachusetts 3 $ 705,000 $ 235,000 $ 175,000
Chisago, Minnesota 3 $ 835,000 $ 278,333 $ 99,000
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Mortgage Loan Application Detail Totals for Provident Funding Associates in 2023

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
Home Purchase 18,471 $7,574,415,000 $410,000 $1,395,000 $172,000 $9,999,000
Cash-out Refinancing 901 $259,365,000 $287,000 $1,005,000 $171,000 $4,080,000
Refinancing 869 $327,775,000 $377,000 $965,000 $167,000 $2,214,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 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 7,306 $2,761,710,000 $378,000 $1,085,000 $162,000 $4,080,000
Asian 7,122 $3,086,650,000 $433,000 $1,395,000 $180,000 $9,999,000
Not Provided 4,196 $1,690,610,000 $402,000 $1,085,000 $180,000 $9,974,000
Hispanic 956 $364,120,000 $380,000 $1,045,000 $152,000 $2,640,000
Black or African American 403 $144,595,000 $358,000 $1,055,000 $158,000 $1,752,000
Not applicable 210 $96,590,000 $459,000 $725,000 $0 $0
Native Hawaiian or Other Pacific Islander 25 $10,055,000 $402,000 $725,000 $150,000 $336,000
American Indian or Alaskan Native 23 $7,225,000 $314,000 $645,000 $126,000 $234,000

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) 20,241 $8,161,555,000 $403,000 $1,395,000 $171,000 $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 11,958 $4,781,920,000 $399,000 $1,395,000 $167,000 $2,459,000
Application Withdrawn By Applicant 5,271 $2,190,245,000 $415,000 $1,305,000 $185,000 $9,999,000
Application Denied By Financial Institution 1,358 $485,750,000 $357,000 $1,005,000 $149,000 $4,080,000
File Closed For Incompleteness 1,261 $532,035,000 $421,000 $1,055,000 $180,000 $2,644,000
Loan Purchased By The Institution 210 $96,590,000 $459,000 $725,000 $0 $0
Application Approved But Not Accepted 183 $75,015,000 $409,000 $725,000 $166,000 $434,000
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
Not applicable 18,883 $7,675,805,000 $406,000 $1,395,000 $173,000 $9,999,000
Debt-To-Income Ratio 409 $169,075,000 $413,000 $795,000 $105,000 $668,000
Collateral 402 $146,720,000 $364,000 $1,005,000 $183,000 $2,124,000
Credit History 317 $88,765,000 $280,000 $765,000 $149,000 $4,080,000
Other 117 $37,295,000 $318,000 $805,000 $223,000 $2,592,000
Insufficient Cash (Downpayment, Closing Cost) 41 $15,475,000 $377,000 $975,000 $140,000 $480,000
Employment History 40 $16,580,000 $414,000 $725,000 $82,000 $300,000
Unverifiable Information 31 $11,695,000 $377,000 $725,000 $94,000 $241,000
Mortgage Insurance Denied 1 $145,000 $145,000 $145,000 $64,000 $64,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2023 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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