Provident Funding Associates Mortgage Lending & HMDA Data, 2006
In 2006, Provident Funding Associates of Santa Rosa, CA reported 61,613 mortgage applications totaling $14.2 billion, up 5% from 2005. The average application was for $229,670, and applicants reported an average income of $87,345. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (3,404), Chicago-Naperville-Joliet, IL (2,728) and Seattle-Bellevue-Everett, WA (2,206) (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 | 61,613 |
| Total Mortgage Loan Application Amount | $14,150,665,000 |
| Average Mortgage Loan Application Amount | $229,670 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $87,345 |
| Highest Applicant Income | $6,000,000 |
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,404 | $ 796,258,000 | $ 233,918 | $ 81,000 |
| Chicago-Naperville-Joliet, IL | 2,728 | $ 654,843,000 | $ 240,045 | $ 91,000 |
| Seattle-Bellevue-Everett, WA | 2,206 | $ 610,151,000 | $ 276,587 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,832 | $ 366,238,000 | $ 199,911 | $ 90,912 |
| Denver-Aurora, CO | 1,755 | $ 378,110,000 | $ 215,447 | $ 73,000 |
| Salt Lake City, UT | 1,623 | $ 309,065,000 | $ 190,428 | $ 81,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,528 | $ 486,866,000 | $ 318,629 | $ 104,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,415 | $ 389,143,000 | $ 275,012 | $ 104,000 |
| Riverside-San Bernardino-Ontario, CA | 1,385 | $ 362,459,000 | $ 261,703 | $ 98,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,319 | $ 286,324,000 | $ 217,076 | $ 82,441 |
| Atlanta-Sandy Springs-Marietta, GA | 1,248 | $ 244,168,000 | $ 195,647 | $ 102,000 |
| Oakland-Fremont-Hayward, CA | 1,174 | $ 400,147,000 | $ 340,840 | $ 116,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,145 | $ 352,964,000 | $ 308,265 | $ 105,000 |
| Las Vegas-Paradise, NV | 1,066 | $ 252,718,000 | $ 237,071 | $ 62,000 |
| Dallas-Plano-Irving, TX | 963 | $ 170,154,000 | $ 176,691 | $ 106,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 866 | $ 331,286,000 | $ 382,547 | $ 130,000 |
| Philadelphia, PA | 832 | $ 170,921,000 | $ 205,433 | $ 99,000 |
| Ogden-Clearfield, UT | 831 | $ 139,863,000 | $ 168,306 | $ 75,000 |
| Provo-Orem, UT | 830 | $ 151,198,000 | $ 182,166 | $ 79,000 |
| Santa Ana-Anaheim-Irvine, CA | 779 | $ 278,653,000 | $ 357,706 | $ 114,000 |
| Boston-Quincy, MA | 743 | $ 203,646,000 | $ 274,086 | $ 90,000 |
| Warren-Troy-Farmington Hills, MI | 720 | $ 158,768,000 | $ 220,511 | $ 98,000 |
| Hartford-West Hartford-East Hartford, CT | 715 | $ 137,331,000 | $ 192,071 | $ 77,000 |
| Orlando-Kissimmee, FL | 704 | $ 145,641,000 | $ 206,876 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 628 | $ 181,516,000 | $ 289,038 | $ 107,312 |
| Tampa-St. Petersburg-Clearwater, FL | 620 | $ 122,388,000 | $ 197,400 | $ 104,000 |
| Jacksonville, FL | 529 | $ 106,586,000 | $ 201,485 | $ 98,000 |
| Providence-New Bedford-Fall River, RI-MA | 520 | $ 117,662,000 | $ 226,273 | $ 67,711 |
| Cambridge-Newton-Framingham, MA | 511 | $ 149,365,000 | $ 292,299 | $ 97,000 |
| Indianapolis-Carmel, IN | 496 | $ 92,909,000 | $ 187,316 | $ 110,000 |
| Charlotte-Gastonia-Concord, NC-SC | 465 | $ 101,887,000 | $ 219,111 | $ 105,548 |
| Lake County-Kenosha County, IL-WI | 443 | $ 114,163,000 | $ 257,704 | $ 99,577 |
| San Francisco-San Mateo-Redwood City, CA | 438 | $ 173,416,000 | $ 395,926 | $ 137,000 |
| Houston-Sugar Land-Baytown, TX | 423 | $ 68,125,000 | $ 161,052 | $ 118,000 |
| Cincinnati-Middletown, OH-KY-IN | 418 | $ 65,889,000 | $ 157,629 | $ 87,813 |
| Oklahoma City, OK | 417 | $ 58,181,000 | $ 139,522 | $ 88,000 |
| Tacoma, WA | 402 | $ 85,237,000 | $ 212,032 | $ 99,000 |
| New Haven-Milford, CT | 393 | $ 78,926,000 | $ 200,829 | $ 81,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 382 | $ 91,762,000 | $ 240,214 | $ 110,000 |
| Edison, NJ | 358 | $ 91,932,000 | $ 256,793 | $ 106,000 |
| Nashville-Davidson--Murfreesboro, TN | 357 | $ 66,290,000 | $ 185,686 | $ 93,000 |
| Santa Rosa-Petaluma, CA | 353 | $ 114,215,000 | $ 323,555 | $ 101,000 |
| Stockton, CA | 349 | $ 95,643,000 | $ 274,048 | $ 96,000 |
| Louisville-Jefferson County, KY-IN | 338 | $ 60,161,000 | $ 177,991 | $ 92,855 |
| Bethesda-Gaithersburg-Frederick, MD | 336 | $ 100,963,000 | $ 300,485 | $ 118,000 |
| Bridgeport-Stamford-Norwalk, CT | 327 | $ 89,071,000 | $ 272,388 | $ 100,000 |
| Vallejo-Fairfield, CA | 323 | $ 94,283,000 | $ 291,897 | $ 101,000 |
| Baltimore-Towson, MD | 322 | $ 81,852,000 | $ 254,198 | $ 104,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 322 | $ 104,856,000 | $ 325,639 | $ 115,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 321 | $ 78,686,000 | $ 245,127 | $ 124,000 |
| New Orleans-Metairie-Kenner, LA | 316 | $ 58,833,000 | $ 186,180 | $ 91,000 |
| Boulder, CO | 291 | $ 77,347,000 | $ 265,797 | $ 87,000 |
| Essex County, MA | 264 | $ 71,226,000 | $ 269,795 | $ 92,000 |
| Tucson, AZ | 260 | $ 55,691,000 | $ 214,196 | $ 99,000 |
| St. Louis, MO-IL | 249 | $ 41,437,000 | $ 166,413 | $ 77,939 |
| Pittsburgh, PA | 234 | $ 33,181,000 | $ 141,799 | $ 89,000 |
| Detroit-Livonia-Dearborn, MI | 229 | $ 48,973,000 | $ 213,855 | $ 87,000 |
| Columbus, OH | 228 | $ 38,690,000 | $ 169,692 | $ 108,000 |
| Raleigh-Cary, NC | 227 | $ 47,310,000 | $ 208,414 | $ 92,000 |
| Cleveland-Elyria-Mentor, OH | 218 | $ 39,490,000 | $ 181,146 | $ 90,000 |
| Worcester, MA | 208 | $ 49,890,000 | $ 239,855 | $ 88,000 |
| Austin-Round Rock, TX | 207 | $ 39,111,000 | $ 188,942 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 206 | $ 43,229,000 | $ 209,849 | $ 107,000 |
| Baton Rouge, LA | 205 | $ 32,480,000 | $ 158,439 | $ 85,000 |
| Fort Collins-Loveland, CO | 205 | $ 38,240,000 | $ 186,536 | $ 77,000 |
| Newark-Union, NJ-PA | 201 | $ 55,582,000 | $ 276,527 | $ 101,601 |
| Fort Worth-Arlington, TX | 198 | $ 29,593,000 | $ 149,459 | $ 92,000 |
| Colorado Springs, CO | 181 | $ 37,744,000 | $ 208,530 | $ 85,000 |
| Fresno, CA | 180 | $ 39,674,000 | $ 220,411 | $ 100,000 |
| Tulsa, OK | 178 | $ 22,511,000 | $ 126,466 | $ 90,000 |
| Modesto, CA | 174 | $ 42,649,000 | $ 245,109 | $ 81,000 |
| Reno-Sparks, NV | 174 | $ 42,978,000 | $ 247,000 | $ 93,000 |
| St. George, UT | 172 | $ 34,851,000 | $ 202,622 | $ 92,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 150 | $ 23,825,000 | $ 158,833 | $ 84,000 |
| Camden, NJ | 147 | $ 28,273,000 | $ 192,333 | $ 86,000 |
| Prescott, AZ | 145 | $ 33,300,000 | $ 229,655 | $ 82,000 |
| Wilmington, NC | 140 | $ 35,501,000 | $ 253,578 | $ 129,000 |
| Cape Coral-Fort Myers, FL | 134 | $ 28,422,000 | $ 212,104 | $ 113,000 |
| Barnstable Town, MA | 133 | $ 38,394,000 | $ 288,676 | $ 101,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 131 | $ 22,050,000 | $ 168,320 | $ 76,625 |
| Ann Arbor, MI | 128 | $ 29,388,000 | $ 229,593 | $ 97,000 |
| Akron, OH | 127 | $ 19,367,000 | $ 152,496 | $ 83,000 |
| Kansas City, MO-KS | 125 | $ 20,825,000 | $ 166,600 | $ 88,880 |
| Milwaukee-Waukesha-West Allis, WI | 125 | $ 21,721,000 | $ 173,768 | $ 72,000 |
| Sarasota-Bradenton-Venice, FL | 125 | $ 31,111,000 | $ 248,888 | $ 137,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 124 | $ 21,957,000 | $ 177,072 | $ 92,000 |
| Olympia, WA | 120 | $ 23,030,000 | $ 191,916 | $ 82,000 |
| Lakeland, FL | 119 | $ 21,237,000 | $ 178,462 | $ 103,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 116 | $ 27,037,000 | $ 233,077 | $ 92,465 |
| New York-White Plains-Wayne, NY-NJ | 112 | $ 34,160,000 | $ 305,000 | $ 111,000 |
| Bakersfield, CA | 110 | $ 23,633,000 | $ 214,845 | $ 72,000 |
| Portland-South Portland-Biddeford, ME | 109 | $ 17,358,000 | $ 159,247 | $ 74,000 |
| Santa Barbara-Santa Maria, CA | 103 | $ 29,478,000 | $ 286,194 | $ 40,000 |
| Greeley, CO | 95 | $ 18,981,000 | $ 199,800 | $ 79,000 |
| Santa Cruz-Watsonville, CA | 93 | $ 33,857,000 | $ 364,053 | $ 135,000 |
| Lexington-Fayette, KY | 87 | $ 11,496,000 | $ 132,137 | $ 84,000 |
| Salem, OR | 77 | $ 13,781,000 | $ 178,974 | $ 71,000 |
| San Luis Obispo-Paso Robles, CA | 76 | $ 22,129,000 | $ 291,171 | $ 68,000 |
| Port St. Lucie-Fort Pierce, FL | 72 | $ 15,944,000 | $ 221,444 | $ 107,000 |
| Bellingham, WA | 71 | $ 13,356,000 | $ 188,112 | $ 69,000 |
| Spokane, WA | 69 | $ 9,670,000 | $ 140,144 | $ 69,000 |
| Chico, CA | 68 | $ 13,386,000 | $ 196,852 | $ 85,000 |
| Napa, CA | 68 | $ 20,364,000 | $ 299,470 | $ 93,000 |
| Richmond, VA | 67 | $ 12,877,000 | $ 192,194 | $ 95,000 |
| Gainesville, FL | 65 | $ 9,519,000 | $ 146,446 | $ 84,000 |
| Merced, CA | 65 | $ 18,307,000 | $ 281,646 | $ 109,000 |
| Salinas, CA | 65 | $ 22,226,000 | $ 341,938 | $ 114,000 |
| Bremerton-Silverdale, WA | 62 | $ 14,555,000 | $ 234,758 | $ 94,000 |
| San Antonio, TX | 60 | $ 12,718,000 | $ 211,966 | $ 140,000 |
| Eugene-Springfield, OR | 59 | $ 11,174,000 | $ 189,389 | $ 72,000 |
| Norwich-New London, CT | 59 | $ 11,638,000 | $ 197,254 | $ 90,000 |
| Palm Bay-Melbourne-Titusville, FL | 59 | $ 10,870,000 | $ 184,237 | $ 88,000 |
| Durham, NC | 58 | $ 12,133,000 | $ 209,189 | $ 119,000 |
| Knoxville, TN | 58 | $ 8,796,000 | $ 151,655 | $ 104,000 |
| Springfield, MA | 57 | $ 11,088,000 | $ 194,526 | $ 88,000 |
| Bend, OR | 56 | $ 14,771,000 | $ 263,767 | $ 95,000 |
| Tallahassee, FL | 55 | $ 8,373,000 | $ 152,236 | $ 77,000 |
| Redding, CA | 54 | $ 12,480,000 | $ 231,111 | $ 88,000 |
| Youngstown-Warren-Boardman, OH-PA | 54 | $ 5,917,000 | $ 109,574 | $ 74,629 |
| Atlantic City, NJ | 51 | $ 11,405,000 | $ 223,627 | $ 96,000 |
| Flagstaff, AZ | 51 | $ 11,701,000 | $ 229,431 | $ 140,000 |
| Boise City-Nampa, ID | 50 | $ 9,224,000 | $ 184,480 | $ 62,000 |
| Missoula, MT | 50 | $ 9,484,000 | $ 189,680 | $ 108,000 |
| Logan, UT-ID | 49 | $ 6,782,000 | $ 138,408 | $ 72,367 |
| Huntsville, AL | 48 | $ 7,318,000 | $ 152,458 | $ 83,000 |
| Pensacola-Ferry Pass-Brent, FL | 48 | $ 7,462,000 | $ 155,458 | $ 100,000 |
| Visalia-Porterville, CA | 46 | $ 9,675,000 | $ 210,326 | $ 78,000 |
| Medford, OR | 45 | $ 10,030,000 | $ 222,888 | $ 75,000 |
| Naples-Marco Island, FL | 45 | $ 13,420,000 | $ 298,222 | $ 172,000 |
| Wilmington, DE-MD-NJ | 45 | $ 10,751,000 | $ 238,911 | $ 80,888 |
| Canton-Massillon, OH | 44 | $ 6,668,000 | $ 151,545 | $ 64,000 |
| Dayton, OH | 44 | $ 6,676,000 | $ 151,727 | $ 78,000 |
| Reading, PA | 42 | $ 7,125,000 | $ 169,642 | $ 68,000 |
| Albuquerque, NM | 41 | $ 6,315,000 | $ 154,024 | $ 77,000 |
| Ocala, FL | 40 | $ 6,594,000 | $ 164,850 | $ 86,000 |
| Coeur D'Alene, ID | 37 | $ 7,872,000 | $ 212,756 | $ 107,000 |
| Omaha-Council Bluffs, NE-IA | 37 | $ 5,148,000 | $ 139,135 | $ 74,162 |
| Harrisburg-Carlisle, PA | 36 | $ 6,006,000 | $ 166,833 | $ 68,000 |
| Yuba City, CA | 36 | $ 7,470,000 | $ 207,500 | $ 69,000 |
| Greenville, SC | 33 | $ 6,674,000 | $ 202,242 | $ 108,000 |
| Wenatchee, WA | 33 | $ 4,885,000 | $ 148,030 | $ 106,000 |
| Evansville, IN-KY | 32 | $ 4,641,000 | $ 145,031 | $ 71,000 |
| Kennewick-Richland-Pasco, WA | 32 | $ 3,482,000 | $ 108,812 | $ 70,000 |
| Gary, IN | 31 | $ 7,477,000 | $ 241,193 | $ 81,000 |
| Trenton-Ewing, NJ | 31 | $ 8,101,000 | $ 261,322 | $ 119,000 |
| Billings, MT | 30 | $ 4,089,000 | $ 136,300 | $ 95,000 |
| Jackson, MS | 30 | $ 4,516,000 | $ 150,533 | $ 74,000 |
| Punta Gorda, FL | 29 | $ 5,721,000 | $ 197,275 | $ 92,000 |
| Rockford, IL | 29 | $ 3,576,000 | $ 123,310 | $ 54,000 |
| Columbia, MO | 27 | $ 3,888,000 | $ 144,000 | $ 109,000 |
| Columbia, SC | 26 | $ 5,008,000 | $ 192,615 | $ 81,000 |
| Mount Vernon-Anacortes, WA | 26 | $ 5,603,000 | $ 215,500 | $ 73,000 |
| Flint, MI | 24 | $ 4,104,000 | $ 171,000 | $ 79,000 |
| Fort Walton Beach-Crestview-Destin, FL | 24 | $ 6,093,000 | $ 253,875 | $ 114,000 |
| Greensboro-High Point, NC | 24 | $ 5,213,000 | $ 217,208 | $ 98,000 |
| El Centro, CA | 23 | $ 4,370,000 | $ 190,000 | $ 80,000 |
| Madera, CA | 23 | $ 5,213,000 | $ 226,652 | $ 90,000 |
| Madison, WI | 23 | $ 4,164,000 | $ 181,043 | $ 57,000 |
| Topeka, KS | 23 | $ 2,607,000 | $ 113,347 | $ 66,000 |
| Yakima, WA | 23 | $ 2,617,000 | $ 113,782 | $ 68,000 |
| Asheville, NC | 22 | $ 4,943,000 | $ 224,681 | $ 146,000 |
| Birmingham-Hoover, AL | 22 | $ 4,370,000 | $ 198,636 | $ 104,000 |
| Hickory-Lenoir-Morganton, NC | 22 | $ 2,783,000 | $ 126,500 | $ 65,000 |
| Springfield, MO | 22 | $ 4,843,000 | $ 220,136 | $ 15,000 |
| Charleston-North Charleston, SC | 21 | $ 4,930,000 | $ 234,761 | $ 100,000 |
| Duluth, MN-WI | 21 | $ 2,987,000 | $ 142,238 | $ 73,571 |
| Rochester, MN | 21 | $ 3,376,000 | $ 160,761 | $ 94,000 |
| Corvallis, OR | 20 | $ 4,143,000 | $ 207,150 | $ 109,000 |
| Elizabethtown, KY | 20 | $ 1,631,000 | $ 81,550 | $ 71,000 |
| Grand Junction, CO | 20 | $ 4,442,000 | $ 222,100 | $ 8,000 |
| Springfield, IL | 20 | $ 4,104,000 | $ 205,200 | $ 105,000 |
| St. Cloud, MN | 20 | $ 3,088,000 | $ 154,400 | $ 108,000 |
| Erie, PA | 19 | $ 2,388,000 | $ 125,684 | $ 74,000 |
| Lansing-East Lansing, MI | 19 | $ 3,129,000 | $ 164,684 | $ 83,000 |
| Longview, WA | 18 | $ 3,066,000 | $ 170,333 | $ 56,000 |
| Winston-Salem, NC | 18 | $ 3,171,000 | $ 176,166 | $ 82,000 |
| Gainesville, GA | 17 | $ 3,126,000 | $ 183,882 | $ 85,000 |
| Lancaster, PA | 17 | $ 2,602,000 | $ 153,058 | $ 54,000 |
| Peoria, IL | 17 | $ 2,486,000 | $ 146,235 | $ 83,000 |
| Lafayette, IN | 16 | $ 2,400,000 | $ 150,000 | $ 97,000 |
| McAllen-Edinburg-Mission, TX | 16 | $ 2,629,000 | $ 164,312 | $ 75,000 |
| Wichita, KS | 16 | $ 2,315,000 | $ 144,687 | $ 130,000 |
| Memphis, TN-MS-AR | 15 | $ 2,649,000 | $ 176,600 | $ 100,133 |
| Ocean City, NJ | 15 | $ 4,795,000 | $ 319,666 | $ 128,000 |
| Scranton--Wilkes-Barre, PA | 15 | $ 1,726,000 | $ 115,066 | $ 69,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 14 | $ 4,356,000 | $ 311,142 | $ 149,000 |
| Racine, WI | 14 | $ 2,528,000 | $ 180,571 | $ 82,000 |
| Spartanburg, SC | 14 | $ 2,588,000 | $ 184,857 | $ 84,000 |
| York-Hanover, PA | 14 | $ 2,667,000 | $ 190,500 | $ 89,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 3,013,000 | $ 231,769 | $ 96,000 |
| Hanford-Corcoran, CA | 13 | $ 2,012,000 | $ 154,769 | $ 41,000 |
| Lake Charles, LA | 13 | $ 2,158,000 | $ 166,000 | $ 91,000 |
| Pueblo, CO | 13 | $ 1,597,000 | $ 122,846 | $ 74,000 |
| Athens-Clarke County, GA | 12 | $ 2,326,000 | $ 193,833 | $ 96,000 |
| Chattanooga, TN-GA | 12 | $ 1,972,000 | $ 164,333 | $ 99,333 |
| Corpus Christi, TX | 12 | $ 1,564,000 | $ 130,333 | $ 72,000 |
| Grand Rapids-Wyoming, MI | 12 | $ 2,346,000 | $ 195,500 | $ 81,000 |
| Lewiston-Auburn, ME | 12 | $ 1,326,000 | $ 110,500 | $ 54,000 |
| Holland-Grand Haven, MI | 11 | $ 2,068,000 | $ 188,000 | $ 80,000 |
| Savannah, GA | 11 | $ 1,972,000 | $ 179,272 | $ 122,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,805,000 | $ 164,090 | $ 80,000 |
| Bloomington, IN | 10 | $ 1,550,000 | $ 155,000 | $ 129,000 |
| Carson City, NV | 10 | $ 1,949,000 | $ 194,900 | $ 78,000 |
| Panama City-Lynn Haven, FL | 10 | $ 1,717,000 | $ 171,700 | $ 90,000 |
| Pittsfield, MA | 10 | $ 2,909,000 | $ 290,900 | $ 137,000 |
| Santa Fe, NM | 10 | $ 2,439,000 | $ 243,900 | $ 109,000 |
| Toledo, OH | 10 | $ 1,621,000 | $ 162,100 | $ 108,000 |
| Fort Wayne, IN | 9 | $ 1,127,000 | $ 125,222 | $ 67,000 |
| Pocatello, ID | 9 | $ 1,080,000 | $ 120,000 | $ 92,000 |
| Yuma, AZ | 9 | $ 1,923,000 | $ 213,666 | $ 71,000 |
| Augusta-Richmond County, GA-SC | 8 | $ 2,035,000 | $ 254,375 | $ 128,250 |
| Brunswick, GA | 8 | $ 1,944,000 | $ 243,000 | $ 111,000 |
| Burlington-South Burlington, VT | 8 | $ 1,623,000 | $ 202,875 | $ 42,000 |
| Champaign-Urbana, IL | 8 | $ 1,096,000 | $ 137,000 | $ 49,000 |
| Clarksville, TN-KY | 8 | $ 837,000 | $ 104,625 | $ 64,000 |
| Columbus, IN | 8 | $ 1,356,000 | $ 169,500 | $ 100,000 |
| Des Moines-West Des Moines, IA | 8 | $ 1,672,000 | $ 209,000 | $ 117,000 |
| Las Cruces, NM | 8 | $ 878,000 | $ 109,750 | $ 102,000 |
| Mansfield, OH | 8 | $ 1,188,000 | $ 148,500 | $ 74,000 |
| Sebastian-Vero Beach, FL | 8 | $ 1,658,000 | $ 207,250 | $ 74,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,561,000 | $ 195,125 | $ 97,000 |
| Anderson, IN | 7 | $ 1,275,000 | $ 182,142 | $ 94,000 |
| Casper, WY | 7 | $ 941,000 | $ 134,428 | $ 89,000 |
| Charlottesville, VA | 7 | $ 1,450,000 | $ 207,142 | $ 66,000 |
| Michigan City-La Porte, IN | 7 | $ 1,734,000 | $ 247,714 | $ 74,000 |
| Mobile, AL | 7 | $ 1,097,000 | $ 156,714 | $ 95,000 |
| Monroe, MI | 7 | $ 1,416,000 | $ 202,285 | $ 72,000 |
| Montgomery, AL | 7 | $ 1,419,000 | $ 202,714 | $ 80,000 |
| Sandusky, OH | 7 | $ 815,000 | $ 116,428 | $ 110,000 |
| State College, PA | 7 | $ 1,190,000 | $ 170,000 | $ 55,000 |
| Amarillo, TX | 6 | $ 1,401,000 | $ 233,500 | $ 123,000 |
| Bangor, ME | 6 | $ 989,000 | $ 164,833 | $ 122,000 |
| Blacksburg-Christiansburg-Radford, VA | 6 | $ 822,000 | $ 137,000 | $ 87,000 |
| Bloomington-Normal, IL | 6 | $ 970,000 | $ 161,666 | $ 109,000 |
| Brownsville-Harlingen, TX | 6 | $ 609,000 | $ 101,500 | $ 88,000 |
| College Station-Bryan, TX | 6 | $ 586,000 | $ 97,666 | $ 50,000 |
| Elkhart-Goshen, IN | 6 | $ 874,000 | $ 145,666 | $ 76,000 |
| Fond Du Lac, WI | 6 | $ 902,000 | $ 150,333 | $ 63,000 |
| Fort Smith, AR-OK | 6 | $ 866,000 | $ 144,333 | $ 129,666 |
| Killeen-Temple-Fort Hood, TX | 6 | $ 632,000 | $ 105,333 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,440,000 | $ 240,000 | $ 80,333 |
| Lubbock, TX | 6 | $ 439,000 | $ 73,166 | $ 298,000 |
| Roanoke, VA | 6 | $ 1,374,000 | $ 229,000 | $ 122,000 |
| Shreveport-Bossier City, LA | 6 | $ 639,000 | $ 106,500 | $ 57,000 |
| Tyler, TX | 6 | $ 998,000 | $ 166,333 | $ 89,000 |
| Waco, TX | 6 | $ 604,000 | $ 100,666 | $ 49,000 |
| Winchester, VA-WV | 6 | $ 1,392,000 | $ 232,000 | $ 124,000 |
| Gulfport-Biloxi, MS | 5 | $ 898,000 | $ 179,600 | $ 102,000 |
| Hot Springs, AR | 5 | $ 671,000 | $ 134,200 | $ 99,000 |
| Lynchburg, VA | 5 | $ 771,000 | $ 154,200 | $ 90,000 |
| Macon, GA | 5 | $ 894,000 | $ 178,800 | $ 181,000 |
| Midland, TX | 5 | $ 560,000 | $ 112,000 | $ 98,000 |
| Owensboro, KY | 5 | $ 563,000 | $ 112,600 | $ 85,000 |
| Sherman-Denison, TX | 5 | $ 536,000 | $ 107,200 | $ 247,000 |
| Warner Robins, GA | 5 | $ 678,000 | $ 135,600 | $ 62,000 |
| Columbus, GA-AL | 4 | $ 787,000 | $ 196,750 | $ 59,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 395,000 | $ 98,750 | $ 54,500 |
| Idaho Falls, ID | 4 | $ 493,000 | $ 123,250 | $ 168,000 |
| Janesville, WI | 4 | $ 589,000 | $ 147,250 | $ 74,000 |
| Jefferson City, MO | 4 | $ 440,000 | $ 110,000 | $ 74,000 |
| Kankakee-Bradley, IL | 4 | $ 581,000 | $ 145,250 | $ 81,000 |
| La Crosse, WI-MN | 4 | $ 637,000 | $ 159,250 | $ 51,500 |
| Lafayette, LA | 4 | $ 592,000 | $ 148,000 | $ 97,000 |
| Lima, OH | 4 | $ 471,000 | $ 117,750 | $ 85,000 |
| Little Rock-North Little Rock, AR | 4 | $ 680,000 | $ 170,000 | $ 61,000 |
| Muskegon-Norton Shores, MI | 4 | $ 546,000 | $ 136,500 | $ 53,000 |
| Springfield, OH | 4 | $ 584,000 | $ 146,000 | $ 90,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 663,000 | $ 165,750 | $ 81,000 |
| Battle Creek, MI | 3 | $ 278,000 | $ 92,666 | $ 75,000 |
| Beaumont-Port Arthur, TX | 3 | $ 512,000 | $ 170,666 | $ 142,000 |
| Decatur, IL | 3 | $ 817,000 | $ 272,333 | $ 254,000 |
| Dothan, AL | 3 | $ 615,000 | $ 205,000 | $ 205,000 |
| Dover, DE | 3 | $ 543,000 | $ 181,000 | $ 92,000 |
| Eau Claire, WI | 3 | $ 769,000 | $ 256,333 | $ 128,000 |
| Farmington, NM | 3 | $ 530,000 | $ 176,666 | $ 46,000 |
| Greenville, NC | 3 | $ 577,000 | $ 192,333 | $ 120,000 |
| Harrisonburg, VA | 3 | $ 577,000 | $ 192,333 | $ 133,000 |
| Jacksonville, NC | 3 | $ 478,000 | $ 159,333 | $ 105,000 |
| Kalamazoo-Portage, MI | 3 | $ 338,000 | $ 112,666 | $ 97,000 |
| Lawrence, KS | 3 | $ 548,000 | $ 182,666 | $ 72,000 |
| Lebanon, PA | 3 | $ 388,000 | $ 129,333 | $ 64,000 |
| Rapid City, SD | 3 | $ 431,000 | $ 143,666 | $ 63,000 |
| Salisbury, MD | 3 | $ 492,000 | $ 164,000 | $ 87,000 |
| Wheeling, WV-OH | 3 | $ 251,000 | $ 83,666 | $ 84,000 |
| Alexandria, LA | 2 | $ 532,000 | $ 266,000 | $ 219,000 |
| Appleton, WI | 2 | $ 368,000 | $ 184,000 | $ 57,000 |
| Burlington, NC | 2 | $ 424,000 | $ 212,000 | $ 80,000 |
| Cleveland, TN | 2 | $ 131,000 | $ 65,500 | $ 0 |
| El Paso, TX | 2 | $ 430,000 | $ 215,000 | $ 79,000 |
| Fayetteville, NC | 2 | $ 656,000 | $ 328,000 | $ 173,000 |
| Florence, SC | 2 | $ 390,000 | $ 195,000 | $ 96,000 |
| Hattiesburg, MS | 2 | $ 163,000 | $ 81,500 | $ 77,000 |
| Joplin, MO | 2 | $ 140,000 | $ 70,000 | $ 37,000 |
| Kokomo, IN | 2 | $ 212,000 | $ 106,000 | $ 50,000 |
| Lawton, OK | 2 | $ 231,000 | $ 115,500 | $ 128,000 |
| Lewiston, ID-WA | 2 | $ 265,000 | $ 132,500 | $ 59,000 |
| Niles-Benton Harbor, MI | 2 | $ 305,000 | $ 152,500 | $ 137,000 |
| Oshkosh-Neenah, WI | 2 | $ 253,000 | $ 126,500 | $ 30,000 |
| Rocky Mount, NC | 2 | $ 309,000 | $ 154,500 | $ 91,000 |
| Rome, GA | 2 | $ 85,000 | $ 42,500 | $ 37,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 298,000 | $ 149,000 | $ 138,000 |
| Sheboygan, WI | 2 | $ 253,000 | $ 126,500 | $ 106,000 |
| Terre Haute, IN | 2 | $ 144,000 | $ 72,000 | $ 34,000 |
| Wausau, WI | 2 | $ 231,000 | $ 115,500 | $ 23,000 |
| Wichita Falls, TX | 2 | $ 244,000 | $ 122,000 | $ 75,000 |
| Albany, GA | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Altoona, PA | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Ames, IA | 1 | $ 248,000 | $ 248,000 | $ 144,000 |
| Auburn-Opelika, AL | 1 | $ 57,000 | $ 57,000 | $ 141,000 |
| Bay City, MI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bowling Green, KY | 1 | $ 145,000 | $ 145,000 | $ 65,000 |
| Cedar Rapids, IA | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
| Cheyenne, WY | 1 | $ 158,000 | $ 158,000 | $ 96,000 |
| Cumberland, MD-WV | 1 | $ 248,000 | $ 248,000 | $ 63,000 |
| Dalton, GA | 1 | $ 70,000 | $ 70,000 | $ 34,000 |
| Fargo, ND-MN | 1 | $ 144,000 | $ 144,000 | $ 57,000 |
| Florence-Muscle Shoals, AL | 1 | $ 141,000 | $ 141,000 | $ 111,000 |
| Goldsboro, NC | 1 | $ 101,000 | $ 101,000 | $ 99,000 |
| Green Bay, WI | 1 | $ 144,000 | $ 144,000 | $ 46,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 205,000 | $ 205,000 | $ 116,000 |
| Honolulu, HI | 1 | $ 448,000 | $ 448,000 | $ 71,000 |
| Jackson, MI | 1 | $ 147,000 | $ 147,000 | $ 75,000 |
| Johnstown, PA | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Lincoln, NE | 1 | $ 76,000 | $ 76,000 | $ 85,000 |
| Longview, TX | 1 | $ 251,000 | $ 251,000 | $ 108,000 |
| Monroe, LA | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
| Muncie, IN | 1 | $ 118,000 | $ 118,000 | $ 71,000 |
| Odessa, TX | 1 | $ 167,000 | $ 167,000 | $ 96,000 |
| Sioux City, IA-NE-SD | 1 | $ 98,000 | $ 98,000 | $ 144,000 |
| Sioux Falls, SD | 1 | $ 200,000 | $ 200,000 | $ 67,000 |
| Tuscaloosa, AL | 1 | $ 123,000 | $ 123,000 | $ 37,000 |
| Valdosta, GA | 1 | $ 87,000 | $ 87,000 | $ 49,000 |
| Williamsport, PA | 1 | $ 90,000 | $ 90,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2006
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 | 38,086 | $9,115,644,000 | $239,000 | $3,000,000 | $82,000 | $6,000,000 |
| Home Purchase | 23,527 | $5,035,021,000 | $214,000 | $1,960,000 | $96,000 | $2,750,000 |
| 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 | 35,451 | $7,892,664,000 | $222,000 | $3,000,000 | $103,000 | $6,000,000 |
| Not applicable | 8,973 | $2,061,064,000 | $229,000 | $1,310,000 | $0 | $0 |
| Asian | 6,728 | $1,814,562,000 | $269,000 | $1,520,000 | $110,000 | $987,000 |
| Not Provided | 5,118 | $1,200,848,000 | $234,000 | $2,000,000 | $104,000 | $2,400,000 |
| Hispanic | 3,231 | $747,371,000 | $231,000 | $971,000 | $86,000 | $984,000 |
| Black or African American | 1,703 | $332,007,000 | $194,000 | $831,000 | $85,000 | $2,750,000 |
| Native Hawaiian or Other Pacific Islander | 257 | $69,255,000 | $269,000 | $903,000 | $109,000 | $1,395,000 |
| American Indian or Alaskan Native | 152 | $32,894,000 | $216,000 | $775,000 | $92,000 | $379,000 |
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) | 61,613 | $14,150,665,000 | $229,000 | $3,000,000 | $87,000 | $6,000,000 |
| 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 | 45,768 | $10,555,760,000 | $230,000 | $3,000,000 | $102,000 | $2,750,000 |
| Loan Purchased By The Institution | 8,973 | $2,061,064,000 | $229,000 | $1,310,000 | $0 | $0 |
| Application Denied By Financial Institution | 4,444 | $971,580,000 | $218,000 | $2,000,000 | $101,000 | $1,500,000 |
| Application Withdrawn By Applicant | 2,428 | $562,261,000 | $231,000 | $2,000,000 | $111,000 | $6,000,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 1,214 | $265,716,000 | $218,000 | $2,000,000 | $115,000 | $1,500,000 |
| Collateral | 1,101 | $240,469,000 | $218,000 | $2,000,000 | $113,000 | $1,395,000 |
| Debt-To-Income Ratio | 1,088 | $235,157,000 | $216,000 | $1,000,000 | $73,000 | $412,000 |
| Unverifiable Information | 506 | $120,632,000 | $238,000 | $1,760,000 | $115,000 | $1,049,000 |
| Credit History | 239 | $46,338,000 | $193,000 | $1,000,000 | $82,000 | $451,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 155 | $34,440,000 | $222,000 | $1,500,000 | $91,000 | $675,000 |
| Employment History | 130 | $25,813,000 | $198,000 | $975,000 | $78,000 | $450,000 |
| Credit Application Incomplete | 10 | $2,723,000 | $272,000 | $507,000 | $113,000 | $277,000 |
| Mortgage Insurance Denied | 1 | $292,000 | $292,000 | $292,000 | $427,000 | $427,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2006 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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