Provident Funding Associates Mortgage Lending & HMDA Data, 2005
In 2005, Provident Funding Associates of Santa Rosa, CA reported 58,805 mortgage applications totaling $14.2 billion, down 22% from 2004. The average application was for $242,078, and applicants reported an average income of $100,822. 68% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,149), Chicago-Naperville-Joliet, IL (2,548) and Seattle-Bellevue-Everett, WA (1,969) (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 | 58,805 |
| Total Mortgage Loan Application Amount | $14,235,407,000 |
| Average Mortgage Loan Application Amount | $242,078 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $100,822 |
| Highest Applicant Income | $9,000,000 |
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 3,149 | $ 721,992,000 | $ 229,276 | $ 99,000 |
| Chicago-Naperville-Joliet, IL | 2,548 | $ 636,048,000 | $ 249,626 | $ 102,000 |
| Seattle-Bellevue-Everett, WA | 1,969 | $ 552,487,000 | $ 280,592 | $ 113,000 |
| Denver-Aurora, CO | 1,901 | $ 453,284,000 | $ 238,445 | $ 101,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,789 | $ 485,257,000 | $ 271,244 | $ 108,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,749 | $ 533,314,000 | $ 304,925 | $ 119,000 |
| Oakland-Fremont-Hayward, CA | 1,601 | $ 570,885,000 | $ 356,580 | $ 121,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,594 | $ 357,265,000 | $ 224,131 | $ 91,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,495 | $ 333,692,000 | $ 223,205 | $ 103,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,486 | $ 624,784,000 | $ 420,446 | $ 125,000 |
| Salt Lake City, UT | 1,425 | $ 271,393,000 | $ 190,451 | $ 97,000 |
| Las Vegas-Paradise, NV | 1,292 | $ 319,120,000 | $ 246,996 | $ 94,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,235 | $ 264,494,000 | $ 214,165 | $ 107,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,224 | $ 402,290,000 | $ 328,668 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 1,158 | $ 299,058,000 | $ 258,253 | $ 104,000 |
| Dallas-Plano-Irving, TX | 966 | $ 184,133,000 | $ 190,613 | $ 126,000 |
| Warren-Farmington Hills-Troy, MI | 941 | $ 211,355,000 | $ 224,606 | $ 93,000 |
| Philadelphia, PA | 892 | $ 190,459,000 | $ 213,519 | $ 105,000 |
| Hartford-West Hartford-East Hartford, CT | 830 | $ 166,047,000 | $ 200,056 | $ 99,000 |
| Santa Ana-Anaheim-Irvine, CA | 804 | $ 266,775,000 | $ 331,809 | $ 126,000 |
| Ogden-Clearfield, UT | 758 | $ 124,177,000 | $ 163,821 | $ 79,000 |
| Indianapolis, IN | 690 | $ 133,049,000 | $ 192,824 | $ 106,000 |
| Boston-Quincy, MA | 613 | $ 175,985,000 | $ 287,088 | $ 117,000 |
| San Francisco-San Mateo-Redwood City, CA | 611 | $ 236,268,000 | $ 386,690 | $ 161,000 |
| Tampa-St. Petersburg-Clearwater, FL | 595 | $ 114,156,000 | $ 191,858 | $ 91,000 |
| Orlando, FL | 582 | $ 112,637,000 | $ 193,534 | $ 84,000 |
| Charlotte-Gastonia-Concord, NC-SC | 552 | $ 119,529,000 | $ 216,538 | $ 101,000 |
| Provo-Orem, UT | 548 | $ 98,754,000 | $ 180,208 | $ 71,000 |
| Bethesda-Frederick-Gaithersburg, MD | 530 | $ 166,575,000 | $ 314,292 | $ 111,000 |
| New Haven-Milford, CT | 513 | $ 107,125,000 | $ 208,820 | $ 100,000 |
| Lake County-Kenosha County, IL-WI | 467 | $ 130,779,000 | $ 280,040 | $ 123,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 458 | $ 145,860,000 | $ 318,471 | $ 131,000 |
| Raleigh-Cary, NC | 444 | $ 93,111,000 | $ 209,709 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 412 | $ 129,416,000 | $ 314,116 | $ 119,000 |
| New Orleans-Metairie-Kenner, LA | 411 | $ 67,520,000 | $ 164,282 | $ 88,000 |
| Cincinnati-Middletown, OH-KY-IN | 406 | $ 72,241,000 | $ 177,933 | $ 100,000 |
| Edison, NJ | 405 | $ 102,949,000 | $ 254,195 | $ 115,000 |
| Jacksonville, FL | 398 | $ 73,226,000 | $ 183,984 | $ 106,000 |
| Baltimore-Towson, MD | 387 | $ 99,397,000 | $ 256,839 | $ 94,000 |
| Santa Rosa-Petaluma, CA | 387 | $ 111,635,000 | $ 288,462 | $ 92,000 |
| Stockton, CA | 368 | $ 100,563,000 | $ 273,269 | $ 94,000 |
| Vallejo-Fairfield, CA | 349 | $ 100,941,000 | $ 289,229 | $ 103,000 |
| Cleveland-Elyria-Mentor, OH | 344 | $ 67,701,000 | $ 196,805 | $ 107,000 |
| Oklahoma City, OK | 342 | $ 47,294,000 | $ 138,286 | $ 83,000 |
| Providence-New Bedford-Fall River, RI-MA | 316 | $ 68,705,000 | $ 217,420 | $ 101,000 |
| Detroit-Livonia-Dearborn, MI | 310 | $ 67,975,000 | $ 219,274 | $ 97,000 |
| Houston-Baytown-Sugar Land, TX | 309 | $ 58,653,000 | $ 189,815 | $ 125,000 |
| Louisville, KY-IN | 301 | $ 61,524,000 | $ 204,398 | $ 99,000 |
| Pittsburgh, PA | 287 | $ 42,239,000 | $ 147,174 | $ 89,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 285 | $ 68,888,000 | $ 241,712 | $ 108,000 |
| Boulder, CO | 278 | $ 75,760,000 | $ 272,517 | $ 121,000 |
| Newark-Union, NJ-PA | 276 | $ 77,692,000 | $ 281,492 | $ 119,000 |
| Fort Collins-Loveland, CO | 274 | $ 52,012,000 | $ 189,824 | $ 90,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 270 | $ 69,244,000 | $ 256,459 | $ 113,000 |
| Bridgeport-Stamford-Norwalk, CT | 263 | $ 84,445,000 | $ 321,083 | $ 131,000 |
| Columbus, OH | 260 | $ 45,602,000 | $ 175,392 | $ 88,000 |
| St. Louis, MO-IL | 249 | $ 47,186,000 | $ 189,502 | $ 86,000 |
| Reno-Sparks, NV | 248 | $ 63,695,000 | $ 256,834 | $ 95,000 |
| Tacoma, WA | 236 | $ 48,576,000 | $ 205,830 | $ 91,000 |
| Akron, OH | 232 | $ 41,350,000 | $ 178,232 | $ 107,000 |
| Modesto, CA | 230 | $ 55,604,000 | $ 241,756 | $ 86,000 |
| Tucson, AZ | 228 | $ 49,454,000 | $ 216,903 | $ 99,000 |
| Nashville-Davidson--Murfreesboro, TN | 211 | $ 43,207,000 | $ 204,772 | $ 94,000 |
| Austin-Round Rock, TX | 208 | $ 40,598,000 | $ 195,182 | $ 124,000 |
| Essex County, MA | 176 | $ 48,579,000 | $ 276,017 | $ 110,000 |
| Fresno, CA | 174 | $ 35,927,000 | $ 206,477 | $ 81,000 |
| Worcester, MA | 174 | $ 43,603,000 | $ 250,591 | $ 108,000 |
| Colorado Springs, CO | 173 | $ 36,435,000 | $ 210,606 | $ 100,000 |
| Wilmington, NC | 172 | $ 35,972,000 | $ 209,139 | $ 114,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 166 | $ 36,253,000 | $ 218,391 | $ 96,000 |
| Fort Worth-Arlington, TX | 155 | $ 27,111,000 | $ 174,909 | $ 120,000 |
| Canton-Massillon, OH | 140 | $ 22,191,000 | $ 158,507 | $ 97,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 135 | $ 23,742,000 | $ 175,866 | $ 86,000 |
| Ann Arbor, MI | 134 | $ 33,881,000 | $ 252,843 | $ 113,000 |
| Tulsa, OK | 128 | $ 19,285,000 | $ 150,664 | $ 80,000 |
| Camden, NJ | 121 | $ 23,737,000 | $ 196,173 | $ 93,000 |
| Barnstable Town, MA | 120 | $ 29,860,000 | $ 248,833 | $ 110,000 |
| Sarasota-Bradenton-Venice, FL | 119 | $ 25,912,000 | $ 217,747 | $ 98,000 |
| St. George, UT | 113 | $ 19,047,000 | $ 168,557 | $ 78,000 |
| Prescott, AZ | 111 | $ 24,059,000 | $ 216,747 | $ 154,000 |
| Kansas City, MO-KS | 105 | $ 14,623,000 | $ 139,266 | $ 85,000 |
| San Luis Obispo-Paso Robles, CA | 105 | $ 28,831,000 | $ 274,580 | $ 104,000 |
| Miami-Miami Beach-Kendall, FL | 102 | $ 25,101,000 | $ 246,088 | $ 144,000 |
| Durham, NC | 100 | $ 19,660,000 | $ 196,600 | $ 107,000 |
| Santa Cruz-Watsonville, CA | 100 | $ 33,564,000 | $ 335,640 | $ 126,000 |
| Cape Coral-Fort Myers, FL | 98 | $ 20,204,000 | $ 206,163 | $ 113,000 |
| Milwaukee-Waukesha-West Allis, WI | 95 | $ 20,053,000 | $ 211,084 | $ 90,000 |
| Bakersfield, CA | 94 | $ 18,767,000 | $ 199,648 | $ 84,000 |
| Salinas, CA | 93 | $ 30,856,000 | $ 331,784 | $ 123,000 |
| Columbia, SC | 91 | $ 16,325,000 | $ 179,395 | $ 116,000 |
| Eugene-Springfield, OR | 91 | $ 15,867,000 | $ 174,362 | $ 79,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 86 | $ 16,536,000 | $ 192,279 | $ 118,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 85 | $ 14,318,000 | $ 168,447 | $ 85,000 |
| Gainesville, FL | 83 | $ 12,631,000 | $ 152,180 | $ 86,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 82 | $ 26,175,000 | $ 319,207 | $ 310,000 |
| Baton Rouge, LA | 81 | $ 12,192,000 | $ 150,518 | $ 91,000 |
| Dayton, OH | 81 | $ 12,390,000 | $ 152,962 | $ 76,000 |
| Palm Bay-Melbourne-Titusville, FL | 81 | $ 16,326,000 | $ 201,555 | $ 80,000 |
| Merced, CA | 75 | $ 18,061,000 | $ 240,813 | $ 111,000 |
| Bend, OR | 73 | $ 18,578,000 | $ 254,493 | $ 110,000 |
| Wilmington, DE-MD-NJ | 71 | $ 15,218,000 | $ 214,338 | $ 96,000 |
| Albuquerque, NM | 70 | $ 11,638,000 | $ 166,257 | $ 75,000 |
| Trenton-Ewing, NJ | 69 | $ 17,850,000 | $ 258,695 | $ 114,000 |
| Richmond, VA | 67 | $ 14,367,000 | $ 214,432 | $ 79,000 |
| Greeley, CO | 66 | $ 13,276,000 | $ 201,151 | $ 83,000 |
| Lexington-Fayette, KY | 64 | $ 10,147,000 | $ 158,546 | $ 94,000 |
| Norwich-New London, CT | 63 | $ 12,869,000 | $ 204,269 | $ 105,000 |
| Napa, CA | 62 | $ 18,516,000 | $ 298,645 | $ 109,000 |
| Redding, CA | 61 | $ 12,398,000 | $ 203,245 | $ 94,000 |
| Harrisburg-Carlisle, PA | 60 | $ 9,154,000 | $ 152,566 | $ 75,000 |
| Chico, CA | 59 | $ 11,847,000 | $ 200,796 | $ 74,000 |
| Boise City-Nampa, ID | 56 | $ 10,274,000 | $ 183,464 | $ 88,000 |
| Port St. Lucie-Fort Pierce, FL | 55 | $ 12,261,000 | $ 222,927 | $ 110,000 |
| Charleston-North Charleston, SC | 54 | $ 11,530,000 | $ 213,518 | $ 87,000 |
| Lakeland, FL | 54 | $ 8,636,000 | $ 159,925 | $ 90,000 |
| Flagstaff, AZ | 50 | $ 10,717,000 | $ 214,340 | $ 93,000 |
| Huntsville, AL | 50 | $ 6,545,000 | $ 130,900 | $ 82,000 |
| Naples-Marco Island, FL | 50 | $ 13,501,000 | $ 270,020 | $ 136,000 |
| Evansville, IN-KY | 47 | $ 7,767,000 | $ 165,255 | $ 78,000 |
| Springfield, MA | 47 | $ 8,276,000 | $ 176,085 | $ 85,000 |
| Topeka, KS | 47 | $ 5,899,000 | $ 125,510 | $ 80,000 |
| Yuba City, CA | 45 | $ 9,720,000 | $ 216,000 | $ 98,000 |
| Reading, PA | 44 | $ 6,813,000 | $ 154,840 | $ 72,000 |
| Carson City, NV | 43 | $ 10,507,000 | $ 244,348 | $ 108,000 |
| Grand Rapids-Wyoming, MI | 43 | $ 7,470,000 | $ 173,720 | $ 72,000 |
| Greensboro-High Point, NC | 43 | $ 8,786,000 | $ 204,325 | $ 89,000 |
| Pensacola-Ferry Pass-Brent, FL | 43 | $ 6,725,000 | $ 156,395 | $ 79,000 |
| Salem, OR | 43 | $ 6,915,000 | $ 160,813 | $ 80,000 |
| Birmingham-Hoover, AL | 42 | $ 8,968,000 | $ 213,523 | $ 101,000 |
| Visalia-Porterville, CA | 42 | $ 8,055,000 | $ 191,785 | $ 101,000 |
| Atlantic City, NJ | 40 | $ 8,229,000 | $ 205,725 | $ 83,000 |
| Tallahassee, FL | 39 | $ 6,107,000 | $ 156,589 | $ 99,000 |
| Bremerton-Silverdale, WA | 38 | $ 9,041,000 | $ 237,921 | $ 80,000 |
| Missoula, MT | 38 | $ 7,388,000 | $ 194,421 | $ 87,000 |
| Portland-South Portland-Biddeford, ME | 38 | $ 7,678,000 | $ 202,052 | $ 103,000 |
| Wenatchee, WA | 37 | $ 5,089,000 | $ 137,540 | $ 86,000 |
| Bellingham, WA | 35 | $ 6,923,000 | $ 197,800 | $ 86,000 |
| San Antonio, TX | 35 | $ 6,292,000 | $ 179,771 | $ 129,000 |
| Gainesville, GA | 34 | $ 8,668,000 | $ 254,941 | $ 102,000 |
| Medford, OR | 34 | $ 7,391,000 | $ 217,382 | $ 75,000 |
| Memphis, TN-MS-AR | 34 | $ 6,403,000 | $ 188,323 | $ 102,000 |
| Madera, CA | 33 | $ 8,197,000 | $ 248,393 | $ 83,000 |
| Ocala, FL | 33 | $ 4,892,000 | $ 148,242 | $ 71,000 |
| Knoxville, TN | 30 | $ 4,522,000 | $ 150,733 | $ 86,000 |
| Greenville, SC | 29 | $ 5,365,000 | $ 185,000 | $ 101,000 |
| Lancaster, PA | 29 | $ 4,364,000 | $ 150,482 | $ 70,000 |
| Corpus Christi, TX | 28 | $ 3,511,000 | $ 125,392 | $ 104,000 |
| Logan, UT-ID | 28 | $ 3,967,000 | $ 141,678 | $ 74,000 |
| Winston-Salem, NC | 28 | $ 6,299,000 | $ 224,964 | $ 111,000 |
| Spokane, WA | 26 | $ 3,905,000 | $ 150,192 | $ 79,000 |
| York-Hanover, PA | 26 | $ 3,920,000 | $ 150,769 | $ 84,000 |
| Youngstown-Warren-Boardman, OH-PA | 26 | $ 2,623,000 | $ 100,884 | $ 72,000 |
| Toledo, OH | 25 | $ 3,862,000 | $ 154,480 | $ 76,000 |
| Bloomington, IN | 24 | $ 3,529,000 | $ 147,041 | $ 77,000 |
| Coeur D'Alene, ID | 24 | $ 4,143,000 | $ 172,625 | $ 87,000 |
| Flint, MI | 23 | $ 4,060,000 | $ 176,521 | $ 94,000 |
| Fort Walton Beach-Crestview-Destin, FL | 23 | $ 4,142,000 | $ 180,086 | $ 84,000 |
| Gary, IN | 23 | $ 4,220,000 | $ 183,478 | $ 79,000 |
| Olympia, WA | 23 | $ 4,767,000 | $ 207,260 | $ 100,000 |
| Rochester, MN | 22 | $ 4,073,000 | $ 185,136 | $ 78,000 |
| Grand Junction, CO | 21 | $ 3,735,000 | $ 177,857 | $ 67,000 |
| Hickory-Lenoir-Morganton, NC | 21 | $ 4,013,000 | $ 191,095 | $ 121,000 |
| Holland-Grand Haven, MI | 21 | $ 4,097,000 | $ 195,095 | $ 92,000 |
| Lafayette, IN | 21 | $ 2,959,000 | $ 140,904 | $ 61,000 |
| Lansing-East Lansing, MI | 21 | $ 3,361,000 | $ 160,047 | $ 77,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 21 | $ 3,947,000 | $ 187,952 | $ 129,000 |
| Punta Gorda, FL | 20 | $ 4,186,000 | $ 209,300 | $ 145,000 |
| Wichita, KS | 20 | $ 2,656,000 | $ 132,800 | $ 83,000 |
| Asheville, NC | 19 | $ 3,688,000 | $ 194,105 | $ 82,000 |
| Madison, WI | 19 | $ 3,467,000 | $ 182,473 | $ 83,000 |
| Savannah, GA | 19 | $ 3,764,000 | $ 198,105 | $ 105,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 2,506,000 | $ 139,222 | $ 93,000 |
| Corvallis, OR | 17 | $ 2,836,000 | $ 166,823 | $ 94,000 |
| Owensboro, KY | 17 | $ 3,347,000 | $ 196,882 | $ 98,000 |
| Vero Beach, FL | 17 | $ 3,093,000 | $ 181,941 | $ 78,000 |
| Athens-Clarke County, GA | 16 | $ 3,516,000 | $ 219,750 | $ 99,000 |
| Duluth, MN-WI | 16 | $ 2,707,000 | $ 169,187 | $ 80,000 |
| Charlottesville, VA | 15 | $ 2,950,000 | $ 196,666 | $ 90,000 |
| El Centro, CA | 15 | $ 2,800,000 | $ 186,666 | $ 76,000 |
| Fayetteville, NC | 15 | $ 2,241,000 | $ 149,400 | $ 111,000 |
| Chattanooga, TN-GA | 14 | $ 3,013,000 | $ 215,214 | $ 109,000 |
| Hanford-Corcoran, CA | 14 | $ 2,049,000 | $ 146,357 | $ 68,000 |
| Panama City-Lynn Haven, FL | 14 | $ 3,196,000 | $ 228,285 | $ 100,000 |
| Rockford, IL | 14 | $ 2,021,000 | $ 144,357 | $ 63,000 |
| Santa Fe, NM | 14 | $ 3,431,000 | $ 245,071 | $ 92,000 |
| Yakima, WA | 14 | $ 2,030,000 | $ 145,000 | $ 57,000 |
| Battle Creek, MI | 13 | $ 1,154,000 | $ 88,769 | $ 75,000 |
| Champaign-Urbana, IL | 13 | $ 2,133,000 | $ 164,076 | $ 100,000 |
| Fort Wayne, IN | 13 | $ 1,442,000 | $ 110,923 | $ 63,000 |
| Kalamazoo-Portage, MI | 13 | $ 3,385,000 | $ 260,384 | $ 108,000 |
| Niles-Benton Harbor, MI | 13 | $ 2,657,000 | $ 204,384 | $ 128,000 |
| Spartanburg, SC | 13 | $ 2,068,000 | $ 159,076 | $ 84,000 |
| Hagerstown-Martinsburg, MD-WV | 12 | $ 2,271,000 | $ 189,250 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 2,048,000 | $ 186,181 | $ 100,000 |
| Columbus, IN | 11 | $ 1,955,000 | $ 177,727 | $ 82,000 |
| Jackson, MI | 11 | $ 1,999,000 | $ 181,727 | $ 117,000 |
| Ocean City, NJ | 11 | $ 2,210,000 | $ 200,909 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 1,488,000 | $ 135,272 | $ 66,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,821,000 | $ 165,545 | $ 81,000 |
| Anderson, IN | 10 | $ 981,000 | $ 98,100 | $ 71,000 |
| Burlington, NC | 10 | $ 1,640,000 | $ 164,000 | $ 68,000 |
| Burlington-South Burlington, VT | 10 | $ 1,771,000 | $ 177,100 | $ 80,000 |
| Kennewick-Richland-Pasco, WA | 10 | $ 1,480,000 | $ 148,000 | $ 94,000 |
| Mansfield, OH | 10 | $ 1,340,000 | $ 134,000 | $ 52,000 |
| Lynchburg, VA | 9 | $ 1,844,000 | $ 204,888 | $ 140,000 |
| Billings, MT | 8 | $ 1,008,000 | $ 126,000 | $ 53,000 |
| Casper, WY | 8 | $ 862,000 | $ 107,750 | $ 66,000 |
| Erie, PA | 8 | $ 794,000 | $ 99,250 | $ 84,000 |
| Jackson, MS | 8 | $ 1,149,000 | $ 143,625 | $ 71,000 |
| Longview, WA | 8 | $ 1,526,000 | $ 190,750 | $ 121,000 |
| Monroe, MI | 8 | $ 1,502,000 | $ 187,750 | $ 72,000 |
| Mount Vernon-Anacortes, WA | 8 | $ 1,682,000 | $ 210,250 | $ 92,000 |
| Racine, WI | 8 | $ 1,345,000 | $ 168,125 | $ 53,000 |
| Salisbury, MD | 8 | $ 1,278,000 | $ 159,750 | $ 76,000 |
| Springfield, OH | 8 | $ 1,132,000 | $ 141,500 | $ 63,000 |
| Yuma, AZ | 8 | $ 1,337,000 | $ 167,125 | $ 76,000 |
| Idaho Falls, ID | 7 | $ 850,000 | $ 121,428 | $ 87,000 |
| Little Rock-North Little Rock, AR | 7 | $ 1,238,000 | $ 176,857 | $ 87,000 |
| Monroe, LA | 7 | $ 1,030,000 | $ 147,142 | $ 73,000 |
| Pittsfield, MA | 7 | $ 1,838,000 | $ 262,571 | $ 151,000 |
| Sandusky, OH | 7 | $ 1,217,000 | $ 173,857 | $ 140,000 |
| St. Cloud, MN | 7 | $ 1,108,000 | $ 158,285 | $ 68,000 |
| Bowling Green, KY | 6 | $ 587,000 | $ 97,833 | $ 45,000 |
| Columbus, GA-AL | 6 | $ 993,000 | $ 165,500 | $ 84,000 |
| Elizabethtown, KY | 6 | $ 700,000 | $ 116,666 | $ 82,000 |
| Elkhart-Goshen, IN | 6 | $ 925,000 | $ 154,166 | $ 71,000 |
| Joplin, MO | 6 | $ 980,000 | $ 163,333 | $ 101,000 |
| Kokomo, IN | 6 | $ 937,000 | $ 156,166 | $ 106,000 |
| Lafayette, LA | 6 | $ 769,000 | $ 128,166 | $ 99,000 |
| Las Cruces, NM | 6 | $ 636,000 | $ 106,000 | $ 62,000 |
| Lima, OH | 6 | $ 691,000 | $ 115,166 | $ 55,000 |
| Peoria, IL | 6 | $ 1,114,000 | $ 185,666 | $ 83,000 |
| Roanoke, VA | 6 | $ 1,044,000 | $ 174,000 | $ 125,000 |
| Rocky Mount, NC | 6 | $ 871,000 | $ 145,166 | $ 67,000 |
| Shreveport-Bossier City, LA | 6 | $ 952,000 | $ 158,666 | $ 69,000 |
| State College, PA | 6 | $ 802,000 | $ 133,666 | $ 49,000 |
| Tyler, TX | 6 | $ 1,552,000 | $ 258,666 | $ 275,000 |
| Winchester, VA-WV | 6 | $ 1,171,000 | $ 195,166 | $ 66,000 |
| Blacksburg-Christiansburg-Radford, VA | 5 | $ 950,000 | $ 190,000 | $ 124,000 |
| College Station-Bryan, TX | 5 | $ 1,285,000 | $ 257,000 | $ 151,000 |
| Gulfport-Biloxi, MS | 5 | $ 746,000 | $ 149,200 | $ 105,000 |
| Jacksonville, NC | 5 | $ 838,000 | $ 167,600 | $ 101,000 |
| Lewiston-Auburn, ME | 5 | $ 629,000 | $ 125,800 | $ 63,000 |
| Pueblo, CO | 5 | $ 513,000 | $ 102,600 | $ 59,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 782,000 | $ 156,400 | $ 94,000 |
| Springfield, MO | 5 | $ 504,000 | $ 100,800 | $ 58,000 |
| Waco, TX | 5 | $ 1,014,000 | $ 202,800 | $ 115,000 |
| Albany, GA | 4 | $ 436,000 | $ 109,000 | $ 72,000 |
| Cleveland, TN | 4 | $ 515,000 | $ 128,750 | $ 74,000 |
| Hot Springs, AR | 4 | $ 639,000 | $ 159,750 | $ 84,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 277,000 | $ 69,250 | $ 45,000 |
| Lebanon, PA | 4 | $ 556,000 | $ 139,000 | $ 64,000 |
| Lincoln, NE | 4 | $ 519,000 | $ 129,750 | $ 57,000 |
| Lubbock, TX | 4 | $ 332,000 | $ 83,000 | $ 109,000 |
| Michigan City-La Porte, IN | 4 | $ 890,000 | $ 222,500 | $ 137,000 |
| Muncie, IN | 4 | $ 671,000 | $ 167,750 | $ 121,000 |
| Springfield, IL | 4 | $ 514,000 | $ 128,500 | $ 67,000 |
| Beaumont-Port Arthur, TX | 3 | $ 441,000 | $ 147,000 | $ 80,000 |
| Bloomington-Normal, IL | 3 | $ 462,000 | $ 154,000 | $ 172,000 |
| Brunswick, GA | 3 | $ 708,000 | $ 236,000 | $ 109,000 |
| Columbia, MO | 3 | $ 490,000 | $ 163,333 | $ 76,000 |
| Des Moines, IA | 3 | $ 365,000 | $ 121,666 | $ 61,000 |
| Dover, DE | 3 | $ 377,000 | $ 125,666 | $ 59,000 |
| El Paso, TX | 3 | $ 401,000 | $ 133,666 | $ 113,000 |
| Honolulu, HI | 3 | $ 1,308,000 | $ 436,000 | $ 100,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 368,000 | $ 122,666 | $ 76,000 |
| La Crosse, WI-MN | 3 | $ 496,000 | $ 165,333 | $ 52,000 |
| Lawrence, KS | 3 | $ 369,000 | $ 123,000 | $ 78,000 |
| Longview, TX | 3 | $ 402,000 | $ 134,000 | $ 80,000 |
| Mobile, AL | 3 | $ 486,000 | $ 162,000 | $ 53,000 |
| Oshkosh-Neenah, WI | 3 | $ 550,000 | $ 183,333 | $ 82,000 |
| Sioux Falls, SD | 3 | $ 605,000 | $ 201,666 | $ 166,000 |
| Sumter, SC | 3 | $ 391,000 | $ 130,333 | $ 43,000 |
| Warner Robins, GA | 3 | $ 319,000 | $ 106,333 | $ 67,000 |
| Anderson, SC | 2 | $ 300,000 | $ 150,000 | $ 108,000 |
| Appleton, WI | 2 | $ 293,000 | $ 146,500 | $ 81,000 |
| Dalton, GA | 2 | $ 265,000 | $ 132,500 | $ 103,000 |
| Decatur, IL | 2 | $ 267,000 | $ 133,500 | $ 83,000 |
| Eau Claire, WI | 2 | $ 259,000 | $ 129,500 | $ 54,000 |
| Farmington, NM | 2 | $ 380,000 | $ 190,000 | $ 85,000 |
| Greenville, NC | 2 | $ 719,000 | $ 359,500 | $ 200,000 |
| Harrisonburg, VA | 2 | $ 324,000 | $ 162,000 | $ 53,000 |
| Janesville, WI | 2 | $ 214,000 | $ 107,000 | $ 28,000 |
| Jefferson City, MO | 2 | $ 297,000 | $ 148,500 | $ 73,000 |
| Jonesboro, AR | 2 | $ 337,000 | $ 168,500 | $ 87,000 |
| Kankakee-Bradley, IL | 2 | $ 253,000 | $ 126,500 | $ 75,000 |
| Lake Charles, LA | 2 | $ 209,000 | $ 104,500 | $ 67,000 |
| Lawton, OK | 2 | $ 193,000 | $ 96,500 | $ 49,000 |
| Macon, GA | 2 | $ 314,000 | $ 157,000 | $ 65,000 |
| Montgomery, AL | 2 | $ 343,000 | $ 171,500 | $ 90,000 |
| Rome, GA | 2 | $ 288,000 | $ 144,000 | $ 62,000 |
| Sheboygan, WI | 2 | $ 481,000 | $ 240,500 | $ 71,000 |
| Valdosta, GA | 2 | $ 362,000 | $ 181,000 | $ 122,000 |
| Victoria, TX | 2 | $ 236,000 | $ 118,000 | $ 88,000 |
| Abilene, TX | 1 | $ 92,000 | $ 92,000 | $ 45,000 |
| Alexandria, LA | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
| Altoona, PA | 1 | $ 870,000 | $ 870,000 | $ 246,000 |
| Ames, IA | 1 | $ 129,000 | $ 129,000 | $ 31,000 |
| Auburn-Opelika, AL | 1 | $ 610,000 | $ 610,000 | $ 156,000 |
| Bangor, ME | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Cedar Rapids, IA | 1 | $ 190,000 | $ 190,000 | $ 69,000 |
| Charleston, WV | 1 | $ 199,000 | $ 199,000 | $ 98,000 |
| Cheyenne, WY | 1 | $ 160,000 | $ 160,000 | $ 63,000 |
| Clarksville, TN-KY | 1 | $ 76,000 | $ 76,000 | $ 72,000 |
| Cumberland, MD-WV | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Fargo, ND-MN | 1 | $ 150,000 | $ 150,000 | $ 80,000 |
| Florence, SC | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Fort Smith, AR-OK | 1 | $ 296,000 | $ 296,000 | $ 180,000 |
| Goldsboro, NC | 1 | $ 160,000 | $ 160,000 | $ 47,000 |
| Grand Forks, ND-MN | 1 | $ 157,000 | $ 157,000 | $ 102,000 |
| Great Falls, MT | 1 | $ 98,000 | $ 98,000 | $ 50,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 60,000 | $ 60,000 | $ 132,000 |
| Jackson, TN | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Johnstown, PA | 1 | $ 128,000 | $ 128,000 | $ 100,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 200,000 | $ 200,000 | $ 300,000 |
| Laredo, TX | 1 | $ 153,000 | $ 153,000 | $ 64,000 |
| Midland, TX | 1 | $ 126,000 | $ 126,000 | $ 22,000 |
| Muskegon-Norton Shores, MI | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Pascagoula, MS | 1 | $ 69,000 | $ 69,000 | $ 60,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 424,000 | $ 424,000 | $ 214,000 |
| St. Joseph, MO-KS | 1 | $ 299,000 | $ 299,000 | $ 68,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 172,000 | $ 172,000 | $ 55,000 |
| Tuscaloosa, AL | 1 | $ 205,000 | $ 205,000 | $ 110,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 360,000 | $ 360,000 | $ 302,000 |
| Wausau, WI | 1 | $ 216,000 | $ 216,000 | $ 117,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 263,000 | $ 263,000 | $ 67,000 |
| Williamsport, PA | 1 | $ 256,000 | $ 256,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2005
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 | 39,817 | $9,677,795,000 | $205,469 | $2,000,000 | $92,857 | $9,000,000 |
| Home Purchase | 18,988 | $4,557,612,000 | $208,282 | $2,000,000 | $105,347 | $2,591,000 |
| 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 | 34,108 | $7,920,442,000 | $208,104 | $2,000,000 | $99,500 | $9,000,000 |
| Not Provided | 13,653 | $3,264,592,000 | $201,829 | $1,719,000 | $97,872 | $5,900,000 |
| Asian | 7,325 | $2,189,675,000 | $239,461 | $1,000,000 | $101,051 | $1,498,000 |
| Hispanic | 2,466 | $583,573,000 | $191,666 | $995,000 | $74,805 | $840,000 |
| Black or African American | 964 | $202,927,000 | $183,057 | $960,000 | $85,800 | $780,000 |
| Native Hawaiian or Other Pacific Islander | 183 | $49,188,000 | $243,869 | $870,000 | $104,130 | $385,000 |
| American Indian or Alaskan Native | 106 | $25,010,000 | $216,296 | $900,000 | $86,555 | $233,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 58,805 | $14,235,407,000 | $209,836 | $2,000,000 | $100,551 | $9,000,000 |
| 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 | 39,792 | $9,549,069,000 | $204,319 | $2,000,000 | $96,553 | $7,200,000 |
| Loan Purchased By The Institution | 9,801 | $2,387,400,000 | $221,957 | $1,000,000 | $102,914 | $2,600,000 |
| Application Withdrawn By Applicant | 5,735 | $1,454,642,000 | $203,400 | $2,000,000 | $98,644 | $9,000,000 |
| Application Denied By Financial Institution | 3,477 | $844,296,000 | $208,022 | $1,900,000 | $88,555 | $5,900,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,142 | $296,854,000 | $206,410 | $1,500,000 | $67,000 | $2,436,000 |
| Other | 1,116 | $259,710,000 | $215,000 | $1,900,000 | $105,500 | $1,200,000 |
| Collateral | 620 | $144,814,000 | $210,743 | $1,000,000 | $99,948 | $1,498,000 |
| Credit History | 269 | $59,104,000 | $182,823 | $1,719,000 | $91,029 | $5,900,000 |
| Unverifiable Information | 158 | $39,347,000 | $255,482 | $788,000 | $109,448 | $717,000 |
| Employment History | 107 | $27,806,000 | $229,466 | $832,000 | $86,400 | $406,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 58 | $15,237,000 | $275,050 | $774,000 | $117,950 | $410,000 |
| Credit Application Incomplete | 4 | $1,032,000 | $258,000 | $400,000 | $132,250 | $252,000 |
| Mortgage Insurance Denied | 3 | $392,000 | $130,666 | $150,000 | $69,666 | $126,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2005 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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with aggregated HMDA statistics today.
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