Provident Funding Associates Mortgage Lending & HMDA Data, 2008
In 2008, Provident Funding Associates of Santa Rosa, CA reported 86,121 mortgage applications totaling $21.2 billion, down 19% from 2007. The average application was for $246,416, and applicants reported an average income of $101,663. 69% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (5,552), Salt Lake City, UT (3,107) and Chicago-Naperville-Joliet, IL (2,748) (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 | 86,121 |
| Total Mortgage Loan Application Amount | $21,221,614,000 |
| Average Mortgage Loan Application Amount | $246,416 |
| Highest Mortgage Loan Application Amount | $1,578,000 |
| Average Applicant Income | $101,663 |
| Highest Applicant Income | $6,248,000 |
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,552 | $ 1,278,347,000 | $ 230,249 | $ 102,000 |
| Salt Lake City, UT | 3,107 | $ 724,888,000 | $ 233,308 | $ 92,000 |
| Chicago-Naperville-Joliet, IL | 2,748 | $ 666,919,000 | $ 242,692 | $ 95,000 |
| Seattle-Bellevue-Everett, WA | 2,717 | $ 812,826,000 | $ 299,163 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,428 | $ 789,366,000 | $ 325,109 | $ 107,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2,179 | $ 535,604,000 | $ 245,802 | $ 92,378 |
| Oakland-Fremont-Hayward, CA | 2,012 | $ 673,663,000 | $ 334,822 | $ 118,000 |
| Denver-Aurora, CO | 2,010 | $ 492,742,000 | $ 245,145 | $ 106,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,940 | $ 734,141,000 | $ 378,423 | $ 133,000 |
| San Diego-Carlsbad-San Marcos, CA | 1,810 | $ 568,182,000 | $ 313,912 | $ 117,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1,784 | $ 466,892,000 | $ 261,710 | $ 109,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,714 | $ 405,343,000 | $ 236,489 | $ 100,963 |
| Atlanta-Sandy Springs-Marietta, GA | 1,682 | $ 376,966,000 | $ 224,117 | $ 101,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,510 | $ 522,561,000 | $ 346,066 | $ 126,000 |
| Provo-Orem, UT | 1,417 | $ 326,397,000 | $ 230,343 | $ 87,000 |
| Riverside-San Bernardino-Ontario, CA | 1,411 | $ 369,325,000 | $ 261,746 | $ 107,000 |
| Ogden-Clearfield, UT | 1,393 | $ 306,414,000 | $ 219,966 | $ 80,000 |
| Hartford-West Hartford-East Hartford, CT | 1,282 | $ 273,126,000 | $ 213,046 | $ 87,000 |
| Dallas-Plano-Irving, TX | 1,246 | $ 263,988,000 | $ 211,868 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,123 | $ 221,757,000 | $ 197,468 | $ 104,000 |
| Philadelphia, PA | 1,110 | $ 249,034,000 | $ 224,354 | $ 94,000 |
| Las Vegas-Paradise, NV | 1,093 | $ 243,710,000 | $ 222,973 | $ 121,000 |
| Boston-Quincy, MA | 1,069 | $ 298,196,000 | $ 278,948 | $ 95,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,011 | $ 298,485,000 | $ 295,237 | $ 108,568 |
| Indianapolis-Carmel, IN | 1,004 | $ 204,883,000 | $ 204,066 | $ 109,000 |
| Edison-New Brunswick, NJ | 1,002 | $ 280,834,000 | $ 280,273 | $ 112,000 |
| San Francisco-San Mateo-Redwood City, CA | 946 | $ 368,612,000 | $ 389,653 | $ 131,000 |
| St. Louis, MO-IL | 919 | $ 170,478,000 | $ 185,503 | $ 89,809 |
| Houston-Sugar Land-Baytown, TX | 864 | $ 167,874,000 | $ 194,298 | $ 105,000 |
| Orlando-Kissimmee, FL | 847 | $ 178,089,000 | $ 210,258 | $ 101,000 |
| Cambridge-Newton-Framingham, MA | 833 | $ 248,001,000 | $ 297,720 | $ 103,000 |
| Warren-Troy-Farmington Hills, MI | 830 | $ 190,793,000 | $ 229,871 | $ 109,000 |
| New Haven-Milford, CT | 790 | $ 172,726,000 | $ 218,640 | $ 87,000 |
| Bridgeport-Stamford-Norwalk, CT | 715 | $ 212,895,000 | $ 297,755 | $ 106,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 664 | $ 151,515,000 | $ 228,185 | $ 109,000 |
| Charlotte-Gastonia-Concord, NC-SC | 584 | $ 123,990,000 | $ 212,311 | $ 99,767 |
| Newark-Union, NJ-PA | 580 | $ 172,811,000 | $ 297,950 | $ 113,151 |
| Louisville-Jefferson County, KY-IN | 576 | $ 111,538,000 | $ 193,642 | $ 93,894 |
| Santa Rosa-Petaluma, CA | 565 | $ 165,656,000 | $ 293,196 | $ 102,000 |
| Jacksonville, FL | 561 | $ 114,719,000 | $ 204,490 | $ 102,000 |
| Bethesda-Frederick-Gaithersburg, MD | 548 | $ 173,606,000 | $ 316,799 | $ 112,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 546 | $ 128,295,000 | $ 234,972 | $ 127,000 |
| New York-White Plains-Wayne, NY-NJ | 536 | $ 166,426,000 | $ 310,496 | $ 97,000 |
| Tucson, AZ | 520 | $ 110,999,000 | $ 213,459 | $ 95,000 |
| Baltimore-Towson, MD | 508 | $ 135,134,000 | $ 266,011 | $ 95,000 |
| Cincinnati-Middletown, OH-KY-IN | 484 | $ 92,684,000 | $ 191,495 | $ 93,714 |
| Tacoma, WA | 464 | $ 111,594,000 | $ 240,504 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 462 | $ 106,168,000 | $ 229,800 | $ 99,000 |
| Lake County-Kenosha County, IL-WI | 461 | $ 121,074,000 | $ 262,633 | $ 111,438 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 426 | $ 90,449,000 | $ 212,321 | $ 93,000 |
| Austin-Round Rock, TX | 414 | $ 90,131,000 | $ 217,707 | $ 111,000 |
| Detroit-Livonia-Dearborn, MI | 410 | $ 74,594,000 | $ 181,936 | $ 92,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 408 | $ 130,920,000 | $ 320,882 | $ 113,000 |
| Kansas City, MO-KS | 390 | $ 76,555,000 | $ 196,294 | $ 93,169 |
| Boulder, CO | 388 | $ 109,086,000 | $ 281,149 | $ 105,000 |
| Vallejo-Fairfield, CA | 364 | $ 96,215,000 | $ 264,326 | $ 95,000 |
| Stockton, CA | 363 | $ 82,738,000 | $ 227,928 | $ 107,000 |
| Fresno, CA | 360 | $ 79,373,000 | $ 220,480 | $ 96,000 |
| Oklahoma City, OK | 351 | $ 64,006,000 | $ 182,353 | $ 94,000 |
| Raleigh-Cary, NC | 351 | $ 81,656,000 | $ 232,638 | $ 110,000 |
| Boise City-Nampa, ID | 316 | $ 63,557,000 | $ 201,129 | $ 90,000 |
| Cleveland-Elyria-Mentor, OH | 316 | $ 59,822,000 | $ 189,310 | $ 104,000 |
| Providence-New Bedford-Fall River, RI-MA | 312 | $ 73,544,000 | $ 235,717 | $ 87,298 |
| Pittsburgh, PA | 275 | $ 47,274,000 | $ 171,905 | $ 88,000 |
| Columbus, OH | 269 | $ 49,736,000 | $ 184,892 | $ 93,000 |
| Peabody, MA | 256 | $ 72,791,000 | $ 284,339 | $ 102,000 |
| Worcester, MA | 251 | $ 64,197,000 | $ 255,764 | $ 103,000 |
| Camden, NJ | 244 | $ 54,665,000 | $ 224,036 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 242 | $ 47,079,000 | $ 194,541 | $ 116,000 |
| St. George, UT | 242 | $ 52,926,000 | $ 218,702 | $ 92,000 |
| New Orleans-Metairie-Kenner, LA | 238 | $ 44,274,000 | $ 186,025 | $ 101,000 |
| San Luis Obispo-Paso Robles, CA | 231 | $ 70,403,000 | $ 304,774 | $ 106,000 |
| Bradenton-Sarasota-Venice, FL | 228 | $ 51,230,000 | $ 224,692 | $ 114,000 |
| Eugene-Springfield, OR | 223 | $ 50,397,000 | $ 225,995 | $ 88,000 |
| Milwaukee-Waukesha-West Allis, WI | 219 | $ 44,820,000 | $ 204,657 | $ 78,000 |
| Lexington-Fayette, KY | 212 | $ 40,117,000 | $ 189,231 | $ 86,000 |
| Tulsa, OK | 212 | $ 35,279,000 | $ 166,410 | $ 87,000 |
| Fort Worth-Arlington, TX | 209 | $ 40,792,000 | $ 195,177 | $ 103,000 |
| Colorado Springs, CO | 208 | $ 48,799,000 | $ 234,610 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 204 | $ 44,958,000 | $ 220,382 | $ 81,455 |
| Modesto, CA | 201 | $ 41,826,000 | $ 208,089 | $ 98,000 |
| Baton Rouge, LA | 198 | $ 38,989,000 | $ 196,914 | $ 99,000 |
| Bakersfield, CA | 194 | $ 41,805,000 | $ 215,489 | $ 90,000 |
| Bend, OR | 190 | $ 47,300,000 | $ 248,947 | $ 93,000 |
| Fort Collins-Loveland, CO | 190 | $ 39,347,000 | $ 207,089 | $ 95,000 |
| Santa Cruz-Watsonville, CA | 185 | $ 66,304,000 | $ 358,400 | $ 128,000 |
| Salem, OR | 176 | $ 36,243,000 | $ 205,926 | $ 83,000 |
| Prescott, AZ | 169 | $ 40,940,000 | $ 242,248 | $ 106,000 |
| Naples-Marco Island, FL | 165 | $ 41,725,000 | $ 252,878 | $ 128,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 163 | $ 33,848,000 | $ 207,656 | $ 87,478 |
| Ann Arbor, MI | 152 | $ 34,035,000 | $ 223,914 | $ 107,000 |
| Reno-Sparks, NV | 147 | $ 36,987,000 | $ 251,612 | $ 107,000 |
| Richmond, VA | 145 | $ 32,757,000 | $ 225,910 | $ 89,000 |
| Akron, OH | 143 | $ 24,367,000 | $ 170,398 | $ 86,000 |
| Grand Rapids-Wyoming, MI | 143 | $ 24,951,000 | $ 174,482 | $ 91,000 |
| Olympia, WA | 141 | $ 35,019,000 | $ 248,361 | $ 88,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 139 | $ 25,177,000 | $ 181,129 | $ 84,000 |
| Barnstable Town, MA | 137 | $ 37,960,000 | $ 277,080 | $ 129,000 |
| Logan, UT-ID | 136 | $ 25,100,000 | $ 184,558 | $ 66,411 |
| San Antonio, TX | 125 | $ 24,061,000 | $ 192,488 | $ 94,000 |
| Knoxville, TN | 122 | $ 24,557,000 | $ 201,286 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 118 | $ 23,688,000 | $ 200,745 | $ 100,000 |
| Flagstaff, AZ | 117 | $ 30,837,000 | $ 263,564 | $ 139,000 |
| Portland-South Portland-Biddeford, ME | 116 | $ 25,653,000 | $ 221,146 | $ 88,000 |
| Lakeland-Winter Haven, FL | 115 | $ 19,670,000 | $ 171,043 | $ 92,000 |
| Napa, CA | 112 | $ 37,039,000 | $ 330,705 | $ 117,000 |
| Salinas, CA | 112 | $ 32,821,000 | $ 293,044 | $ 107,000 |
| Bremerton-Silverdale, WA | 109 | $ 28,611,000 | $ 262,486 | $ 97,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 109 | $ 19,078,000 | $ 175,027 | $ 107,000 |
| Wenatchee, WA | 109 | $ 23,760,000 | $ 217,981 | $ 81,000 |
| Norwich-New London, CT | 108 | $ 23,402,000 | $ 216,685 | $ 81,000 |
| Albuquerque, NM | 107 | $ 21,613,000 | $ 201,990 | $ 93,000 |
| Houma-Bayou Cane-Thibodaux, LA | 107 | $ 17,207,000 | $ 160,813 | $ 77,000 |
| Harrisburg-Carlisle, PA | 101 | $ 17,442,000 | $ 172,693 | $ 76,000 |
| Bellingham, WA | 98 | $ 24,554,000 | $ 250,551 | $ 90,000 |
| Trenton-Ewing, NJ | 98 | $ 23,793,000 | $ 242,785 | $ 104,000 |
| Spokane, WA | 97 | $ 18,192,000 | $ 187,546 | $ 74,000 |
| Port St. Lucie, FL | 93 | $ 19,532,000 | $ 210,021 | $ 116,000 |
| Medford, OR | 91 | $ 21,281,000 | $ 233,857 | $ 83,000 |
| Gainesville, FL | 90 | $ 14,779,000 | $ 164,211 | $ 79,000 |
| Tallahassee, FL | 89 | $ 18,127,000 | $ 203,674 | $ 113,000 |
| Springfield, MA | 88 | $ 16,696,000 | $ 189,727 | $ 65,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 87 | $ 26,193,000 | $ 301,068 | $ 105,000 |
| Gary, IN | 84 | $ 14,508,000 | $ 172,714 | $ 82,000 |
| Charleston-North Charleston-Summerville, SC | 80 | $ 19,615,000 | $ 245,187 | $ 94,000 |
| Greenville-Mauldin-Easley, SC | 78 | $ 15,921,000 | $ 204,115 | $ 99,000 |
| Missoula, MT | 76 | $ 15,677,000 | $ 206,276 | $ 72,000 |
| Greeley, CO | 75 | $ 16,503,000 | $ 220,040 | $ 92,000 |
| Wilmington, NC | 75 | $ 16,742,000 | $ 223,226 | $ 102,000 |
| Chico, CA | 74 | $ 16,839,000 | $ 227,554 | $ 95,000 |
| Durham, NC | 74 | $ 16,400,000 | $ 221,621 | $ 98,000 |
| Visalia-Porterville, CA | 72 | $ 13,115,000 | $ 182,152 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 71 | $ 12,823,000 | $ 180,605 | $ 119,000 |
| Ocala, FL | 70 | $ 11,665,000 | $ 166,642 | $ 76,000 |
| Lake Havasu City-Kingman, AZ | 67 | $ 12,451,000 | $ 185,835 | $ 125,000 |
| Ocean City, NJ | 66 | $ 18,378,000 | $ 278,454 | $ 151,000 |
| Grand Junction, CO | 65 | $ 15,342,000 | $ 236,030 | $ 110,000 |
| Corvallis, OR | 59 | $ 13,633,000 | $ 231,067 | $ 92,000 |
| Holland-Grand Haven, MI | 59 | $ 10,467,000 | $ 177,406 | $ 89,000 |
| Lafayette, LA | 59 | $ 9,928,000 | $ 168,271 | $ 90,000 |
| Palm Coast, FL | 59 | $ 10,240,000 | $ 173,559 | $ 83,000 |
| Merced, CA | 58 | $ 10,651,000 | $ 183,637 | $ 98,000 |
| Lake Charles, LA | 56 | $ 9,439,000 | $ 168,553 | $ 84,000 |
| Omaha-Council Bluffs, NE-IA | 56 | $ 10,419,000 | $ 186,053 | $ 96,625 |
| St. Cloud, MN | 56 | $ 10,167,000 | $ 181,553 | $ 72,000 |
| Chattanooga, TN-GA | 54 | $ 10,263,000 | $ 190,055 | $ 97,518 |
| Madera, CA | 54 | $ 11,689,000 | $ 216,462 | $ 97,000 |
| Topeka, KS | 53 | $ 6,561,000 | $ 123,792 | $ 68,000 |
| Wilmington, DE-MD-NJ | 53 | $ 10,107,000 | $ 190,698 | $ 104,037 |
| Des Moines-West Des Moines, IA | 52 | $ 8,994,000 | $ 172,961 | $ 78,000 |
| Redding, CA | 52 | $ 11,645,000 | $ 223,942 | $ 135,000 |
| Asheville, NC | 48 | $ 9,620,000 | $ 200,416 | $ 79,000 |
| Atlantic City-Hammonton, NJ | 48 | $ 10,451,000 | $ 217,729 | $ 96,000 |
| York-Hanover, PA | 48 | $ 8,432,000 | $ 175,666 | $ 70,000 |
| Birmingham-Hoover, AL | 47 | $ 9,228,000 | $ 196,340 | $ 88,000 |
| Reading, PA | 47 | $ 9,178,000 | $ 195,276 | $ 93,000 |
| Charlottesville, VA | 45 | $ 11,346,000 | $ 252,133 | $ 113,000 |
| Fort Walton Beach-Crestview-Destin, FL | 45 | $ 9,668,000 | $ 214,844 | $ 95,000 |
| Lansing-East Lansing, MI | 45 | $ 8,104,000 | $ 180,088 | $ 100,000 |
| Manchester-Nashua, NH | 45 | $ 10,310,000 | $ 229,111 | $ 93,000 |
| Punta Gorda, FL | 45 | $ 8,918,000 | $ 198,177 | $ 100,000 |
| Madison, WI | 44 | $ 8,499,000 | $ 193,159 | $ 128,000 |
| Huntsville, AL | 42 | $ 6,763,000 | $ 161,023 | $ 71,000 |
| Lafayette, IN | 41 | $ 6,238,000 | $ 152,146 | $ 71,000 |
| Yakima, WA | 41 | $ 8,128,000 | $ 198,243 | $ 85,000 |
| Memphis, TN-MS-AR | 40 | $ 6,706,000 | $ 167,650 | $ 113,100 |
| Bloomington, IN | 39 | $ 6,902,000 | $ 176,974 | $ 79,000 |
| Yuba City, CA | 39 | $ 7,113,000 | $ 182,384 | $ 96,000 |
| Coeur D'Alene, ID | 38 | $ 9,535,000 | $ 250,921 | $ 93,000 |
| Idaho Falls, ID | 38 | $ 7,892,000 | $ 207,684 | $ 105,000 |
| Youngstown-Warren-Boardman, OH-PA | 38 | $ 5,092,000 | $ 134,000 | $ 79,842 |
| Rockingham County-Strafford County, NH | 37 | $ 9,357,000 | $ 252,891 | $ 96,000 |
| Canton-Massillon, OH | 36 | $ 5,444,000 | $ 151,222 | $ 76,000 |
| Spartanburg, SC | 36 | $ 6,090,000 | $ 169,166 | $ 77,000 |
| Columbia, SC | 34 | $ 5,743,000 | $ 168,911 | $ 92,000 |
| Dayton, OH | 33 | $ 5,953,000 | $ 180,393 | $ 99,000 |
| Evansville, IN-KY | 33 | $ 5,330,000 | $ 161,515 | $ 67,090 |
| Panama City-Lynn Haven, FL | 33 | $ 6,620,000 | $ 200,606 | $ 130,000 |
| Savannah, GA | 32 | $ 6,162,000 | $ 192,562 | $ 91,000 |
| Sebastian-Vero Beach, FL | 32 | $ 5,841,000 | $ 182,531 | $ 93,000 |
| Wichita, KS | 32 | $ 4,875,000 | $ 152,343 | $ 78,000 |
| Greensboro-High Point, NC | 31 | $ 7,623,000 | $ 245,903 | $ 97,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 31 | $ 5,766,000 | $ 186,000 | $ 79,000 |
| Flint, MI | 29 | $ 3,949,000 | $ 136,172 | $ 82,000 |
| Longview, WA | 29 | $ 6,043,000 | $ 208,379 | $ 76,000 |
| Scranton--Wilkes-Barre, PA | 29 | $ 3,976,000 | $ 137,103 | $ 56,000 |
| Toledo, OH | 29 | $ 4,724,000 | $ 162,896 | $ 84,000 |
| Mount Vernon-Anacortes, WA | 28 | $ 6,791,000 | $ 242,535 | $ 81,000 |
| Beaumont-Port Arthur, TX | 26 | $ 3,371,000 | $ 129,653 | $ 67,000 |
| Duluth, MN-WI | 26 | $ 4,585,000 | $ 176,346 | $ 82,692 |
| Hanford-Corcoran, CA | 26 | $ 4,838,000 | $ 186,076 | $ 71,000 |
| Rochester, MN | 26 | $ 4,990,000 | $ 191,923 | $ 79,000 |
| Gainesville, GA | 25 | $ 5,768,000 | $ 230,720 | $ 164,000 |
| Carson City, NV | 24 | $ 7,092,000 | $ 295,500 | $ 72,000 |
| Fort Wayne, IN | 24 | $ 3,988,000 | $ 166,166 | $ 77,000 |
| Columbia, MO | 23 | $ 3,393,000 | $ 147,521 | $ 60,000 |
| Little Rock-North Little Rock-Conway, AR | 23 | $ 3,534,000 | $ 153,652 | $ 112,000 |
| Rockford, IL | 23 | $ 3,903,000 | $ 169,695 | $ 75,000 |
| Tyler, TX | 23 | $ 3,181,000 | $ 138,304 | $ 69,000 |
| Lawrence, KS | 22 | $ 3,171,000 | $ 144,136 | $ 84,000 |
| Kennewick-Pasco-Richland, WA | 21 | $ 4,243,000 | $ 202,047 | $ 75,000 |
| Lancaster, PA | 21 | $ 4,701,000 | $ 223,857 | $ 104,000 |
| Roanoke, VA | 21 | $ 4,375,000 | $ 208,333 | $ 106,000 |
| Yuma, AZ | 21 | $ 3,944,000 | $ 187,809 | $ 88,000 |
| Green Bay, WI | 20 | $ 2,911,000 | $ 145,550 | $ 137,000 |
| Kokomo, IN | 20 | $ 3,039,000 | $ 151,950 | $ 87,000 |
| Pueblo, CO | 20 | $ 3,355,000 | $ 167,750 | $ 67,000 |
| Shreveport-Bossier City, LA | 20 | $ 3,449,000 | $ 172,450 | $ 64,000 |
| Winston-Salem, NC | 20 | $ 3,461,000 | $ 173,050 | $ 65,000 |
| Kalamazoo-Portage, MI | 19 | $ 3,513,000 | $ 184,894 | $ 125,000 |
| Peoria, IL | 18 | $ 3,530,000 | $ 196,111 | $ 76,000 |
| Athens-Clarke County, GA | 17 | $ 3,050,000 | $ 179,411 | $ 112,000 |
| Columbus, IN | 17 | $ 3,466,000 | $ 203,882 | $ 111,000 |
| El Centro, CA | 17 | $ 3,603,000 | $ 211,941 | $ 127,000 |
| Jackson, MS | 17 | $ 2,553,000 | $ 150,176 | $ 52,000 |
| Las Cruces, NM | 17 | $ 3,515,000 | $ 206,764 | $ 106,000 |
| Lynchburg, VA | 17 | $ 2,297,000 | $ 135,117 | $ 50,000 |
| Pocatello, ID | 17 | $ 2,701,000 | $ 158,882 | $ 67,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 3,216,000 | $ 189,176 | $ 105,882 |
| Burlington-South Burlington, VT | 16 | $ 3,461,000 | $ 216,312 | $ 83,000 |
| Racine, WI | 16 | $ 2,773,000 | $ 173,312 | $ 100,000 |
| Corpus Christi, TX | 15 | $ 2,778,000 | $ 185,200 | $ 102,000 |
| Elizabethtown, KY | 15 | $ 2,374,000 | $ 158,266 | $ 83,000 |
| McAllen-Edinburg-Mission, TX | 15 | $ 1,918,000 | $ 127,866 | $ 75,000 |
| Muskegon-Norton Shores, MI | 15 | $ 2,476,000 | $ 165,066 | $ 80,000 |
| Davenport-Moline-Rock Island, IA-IL | 14 | $ 2,041,000 | $ 145,785 | $ 65,000 |
| El Paso, TX | 14 | $ 2,516,000 | $ 179,714 | $ 87,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 3,363,000 | $ 240,214 | $ 106,000 |
| Springfield, MO | 14 | $ 2,415,000 | $ 172,500 | $ 89,000 |
| Vineland-Millville-Bridgeton, NJ | 14 | $ 2,497,000 | $ 178,357 | $ 85,000 |
| Anderson, SC | 13 | $ 2,452,000 | $ 188,615 | $ 70,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 2,573,000 | $ 197,923 | $ 117,769 |
| Billings, MT | 13 | $ 2,261,000 | $ 173,923 | $ 99,000 |
| Hot Springs, AR | 13 | $ 1,784,000 | $ 137,230 | $ 82,000 |
| Lewiston-Auburn, ME | 13 | $ 1,861,000 | $ 143,153 | $ 47,000 |
| Michigan City-La Porte, IN | 13 | $ 2,189,000 | $ 168,384 | $ 133,000 |
| Morristown, TN | 13 | $ 2,890,000 | $ 222,307 | $ 145,000 |
| Battle Creek, MI | 12 | $ 1,660,000 | $ 138,333 | $ 60,000 |
| Bowling Green, KY | 12 | $ 1,712,000 | $ 142,666 | $ 61,000 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 1,725,000 | $ 143,750 | $ 82,000 |
| La Crosse, WI-MN | 12 | $ 1,913,000 | $ 159,416 | $ 46,916 |
| Montgomery, AL | 12 | $ 2,084,000 | $ 173,666 | $ 86,000 |
| Winchester, VA-WV | 12 | $ 2,679,000 | $ 223,250 | $ 74,000 |
| Brunswick, GA | 11 | $ 2,895,000 | $ 263,181 | $ 105,000 |
| Champaign-Urbana, IL | 11 | $ 2,038,000 | $ 185,272 | $ 90,000 |
| Columbus, GA-AL | 11 | $ 1,925,000 | $ 175,000 | $ 87,000 |
| Elkhart-Goshen, IN | 11 | $ 1,442,000 | $ 131,090 | $ 54,000 |
| Laredo, TX | 11 | $ 2,382,000 | $ 216,545 | $ 166,000 |
| Monroe, LA | 11 | $ 1,539,000 | $ 139,909 | $ 75,000 |
| Niles-Benton Harbor, MI | 11 | $ 2,078,000 | $ 188,909 | $ 87,000 |
| Appleton, WI | 10 | $ 1,588,000 | $ 158,800 | $ 61,000 |
| Bangor, ME | 10 | $ 1,246,000 | $ 124,600 | $ 70,000 |
| Dover, DE | 10 | $ 1,920,000 | $ 192,000 | $ 48,000 |
| Rocky Mount, NC | 10 | $ 1,345,000 | $ 134,500 | $ 29,000 |
| Santa Fe, NM | 10 | $ 2,661,000 | $ 266,100 | $ 77,000 |
| Sherman-Denison, TX | 10 | $ 1,826,000 | $ 182,600 | $ 74,000 |
| Bay City, MI | 9 | $ 1,085,000 | $ 120,555 | $ 50,000 |
| Brownsville-Harlingen, TX | 9 | $ 1,224,000 | $ 136,000 | $ 40,000 |
| Florence, SC | 9 | $ 1,460,000 | $ 162,222 | $ 82,000 |
| Janesville, WI | 9 | $ 1,658,000 | $ 184,222 | $ 73,000 |
| Monroe, MI | 9 | $ 1,338,000 | $ 148,666 | $ 58,000 |
| Rapid City, SD | 9 | $ 1,340,000 | $ 148,888 | $ 53,000 |
| Warner Robins, GA | 9 | $ 1,701,000 | $ 189,000 | $ 95,000 |
| Casper, WY | 8 | $ 1,611,000 | $ 201,375 | $ 71,000 |
| Fayetteville, NC | 8 | $ 1,646,000 | $ 205,750 | $ 120,000 |
| Lewiston, ID-WA | 8 | $ 1,139,000 | $ 142,375 | $ 59,250 |
| Sheboygan, WI | 8 | $ 1,428,000 | $ 178,500 | $ 76,000 |
| Sumter, SC | 8 | $ 1,367,000 | $ 170,875 | $ 101,000 |
| Abilene, TX | 7 | $ 787,000 | $ 112,428 | $ 61,000 |
| Blacksburg-Christiansburg-Radford, VA | 7 | $ 978,000 | $ 139,714 | $ 78,000 |
| Cheyenne, WY | 7 | $ 1,299,000 | $ 185,571 | $ 77,000 |
| Clarksville, TN-KY | 7 | $ 775,000 | $ 110,714 | $ 55,285 |
| Fargo, ND-MN | 7 | $ 1,089,000 | $ 155,571 | $ 88,285 |
| Farmington, NM | 7 | $ 1,472,000 | $ 210,285 | $ 64,000 |
| Florence-Muscle Shoals, AL | 7 | $ 800,000 | $ 114,285 | $ 46,000 |
| Hagerstown-Martinsburg, MD-WV | 7 | $ 1,474,000 | $ 210,571 | $ 77,000 |
| Jacksonville, NC | 7 | $ 1,334,000 | $ 190,571 | $ 85,000 |
| Lincoln, NE | 7 | $ 699,000 | $ 99,857 | $ 43,000 |
| Mobile, AL | 7 | $ 1,522,000 | $ 217,428 | $ 74,000 |
| Tuscaloosa, AL | 7 | $ 1,776,000 | $ 253,714 | $ 96,000 |
| Waco, TX | 7 | $ 888,000 | $ 126,857 | $ 68,000 |
| Anderson, IN | 6 | $ 701,000 | $ 116,833 | $ 72,000 |
| Auburn-Opelika, AL | 6 | $ 623,000 | $ 103,833 | $ 43,000 |
| Burlington, NC | 6 | $ 1,246,000 | $ 207,666 | $ 76,000 |
| Gulfport-Biloxi, MS | 6 | $ 611,000 | $ 101,833 | $ 121,000 |
| Harrisonburg, VA | 6 | $ 1,198,000 | $ 199,666 | $ 58,000 |
| Jackson, TN | 6 | $ 748,000 | $ 124,666 | $ 60,000 |
| Mansfield, OH | 6 | $ 902,000 | $ 150,333 | $ 71,000 |
| Salisbury, MD | 6 | $ 1,305,000 | $ 217,500 | $ 89,000 |
| Sandusky, OH | 6 | $ 936,000 | $ 156,000 | $ 155,000 |
| St. Joseph, MO-KS | 6 | $ 748,000 | $ 124,666 | $ 60,333 |
| State College, PA | 6 | $ 1,157,000 | $ 192,833 | $ 114,000 |
| Valdosta, GA | 6 | $ 1,111,000 | $ 185,166 | $ 123,000 |
| Decatur, AL | 5 | $ 768,000 | $ 153,600 | $ 98,000 |
| Erie, PA | 5 | $ 745,000 | $ 149,000 | $ 52,000 |
| Fond Du Lac, WI | 5 | $ 674,000 | $ 134,800 | $ 43,000 |
| Great Falls, MT | 5 | $ 779,000 | $ 155,800 | $ 49,000 |
| Kankakee-Bradley, IL | 5 | $ 1,151,000 | $ 230,200 | $ 106,000 |
| Lebanon, PA | 5 | $ 1,067,000 | $ 213,400 | $ 108,000 |
| Odessa, TX | 5 | $ 1,219,000 | $ 243,800 | $ 94,000 |
| Saginaw-Saginaw Township North, MI | 5 | $ 893,000 | $ 178,600 | $ 110,000 |
| Springfield, IL | 5 | $ 825,000 | $ 165,000 | $ 608,000 |
| Williamsport, PA | 5 | $ 609,000 | $ 121,800 | $ 54,000 |
| Alexandria, LA | 4 | $ 548,000 | $ 137,000 | $ 83,000 |
| Cleveland, TN | 4 | $ 741,000 | $ 185,250 | $ 76,000 |
| College Station-Bryan, TX | 4 | $ 578,000 | $ 144,500 | $ 120,000 |
| Jackson, MI | 4 | $ 704,000 | $ 176,000 | $ 94,000 |
| Longview, TX | 4 | $ 504,000 | $ 126,000 | $ 74,000 |
| Macon, GA | 4 | $ 785,000 | $ 196,250 | $ 74,000 |
| Muncie, IN | 4 | $ 731,000 | $ 182,750 | $ 126,000 |
| Pittsfield, MA | 4 | $ 828,000 | $ 207,000 | $ 173,000 |
| Springfield, OH | 4 | $ 548,000 | $ 137,000 | $ 52,000 |
| Albany, GA | 3 | $ 477,000 | $ 159,000 | $ 92,000 |
| Amarillo, TX | 3 | $ 475,000 | $ 158,333 | $ 67,000 |
| Anniston-Oxford, AL | 3 | $ 321,000 | $ 107,000 | $ 115,000 |
| Dalton, GA | 3 | $ 498,000 | $ 166,000 | $ 77,000 |
| Dothan, AL | 3 | $ 589,000 | $ 196,333 | $ 121,000 |
| Eau Claire, WI | 3 | $ 424,000 | $ 141,333 | $ 40,000 |
| Fort Smith, AR-OK | 3 | $ 398,000 | $ 132,666 | $ 83,000 |
| Greenville, NC | 3 | $ 499,000 | $ 166,333 | $ 66,000 |
| Jefferson City, MO | 3 | $ 292,000 | $ 97,333 | $ 29,000 |
| Joplin, MO | 3 | $ 543,000 | $ 181,000 | $ 76,000 |
| Lima, OH | 3 | $ 351,000 | $ 117,000 | $ 46,000 |
| Midland, TX | 3 | $ 495,000 | $ 165,000 | $ 103,000 |
| Oshkosh-Neenah, WI | 3 | $ 704,000 | $ 234,666 | $ 117,000 |
| Owensboro, KY | 3 | $ 560,000 | $ 186,666 | $ 106,000 |
| Terre Haute, IN | 3 | $ 612,000 | $ 204,000 | $ 129,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 463,000 | $ 154,333 | $ 80,000 |
| Wausau, WI | 3 | $ 486,000 | $ 162,000 | $ 68,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 210,000 | $ 70,000 | $ 29,000 |
| Altoona, PA | 2 | $ 169,000 | $ 84,500 | $ 33,000 |
| Ames, IA | 2 | $ 554,000 | $ 277,000 | $ 176,000 |
| Bloomington-Normal, IL | 2 | $ 458,000 | $ 229,000 | $ 62,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 315,000 | $ 157,500 | $ 94,000 |
| Iowa City, IA | 2 | $ 258,000 | $ 129,000 | $ 90,000 |
| Johnson City, TN | 2 | $ 362,000 | $ 181,000 | $ 92,000 |
| Johnstown, PA | 2 | $ 284,000 | $ 142,000 | $ 92,000 |
| Jonesboro, AR | 2 | $ 357,000 | $ 178,500 | $ 112,000 |
| Lawton, OK | 2 | $ 346,000 | $ 173,000 | $ 40,000 |
| Lubbock, TX | 2 | $ 291,000 | $ 145,500 | $ 114,000 |
| Rome, GA | 2 | $ 522,000 | $ 261,000 | $ 81,000 |
| San Angelo, TX | 2 | $ 308,000 | $ 154,000 | $ 126,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 323,000 | $ 161,500 | $ 92,500 |
| Victoria, TX | 2 | $ 309,000 | $ 154,500 | $ 93,000 |
| Cedar Rapids, IA | 1 | $ 135,000 | $ 135,000 | $ 28,000 |
| Cumberland, MD-WV | 1 | $ 210,000 | $ 210,000 | $ 61,000 |
| Danville, IL | 1 | $ 151,000 | $ 151,000 | $ 42,000 |
| Decatur, IL | 1 | $ 149,000 | $ 149,000 | $ 144,000 |
| Gadsden, AL | 1 | $ 256,000 | $ 256,000 | $ 94,000 |
| Goldsboro, NC | 1 | $ 268,000 | $ 268,000 | $ 89,000 |
| Honolulu, HI | 1 | $ 388,000 | $ 388,000 | $ 94,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 84,000 | $ 84,000 | $ 51,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 54,000 | $ 54,000 | $ 75,000 |
| Pascagoula, MS | 1 | $ 240,000 | $ 240,000 | $ 122,000 |
| Sioux City, IA-NE-SD | 1 | $ 140,000 | $ 140,000 | $ 96,000 |
| Wheeling, WV-OH | 1 | $ 78,000 | $ 78,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2008
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 | 57,469 | $14,493,802,000 | $252,000 | $1,578,000 | $100,000 | $5,586,000 |
| Home Purchase | 28,652 | $6,727,812,000 | $234,000 | $1,350,000 | $105,000 | $6,248,000 |
| 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 | 63,160 | $15,289,049,000 | $242,000 | $1,578,000 | $103,000 | $6,248,000 |
| Asian | 10,615 | $2,989,136,000 | $281,000 | $1,260,000 | $109,000 | $1,920,000 |
| Hispanic | 5,149 | $1,233,650,000 | $239,000 | $1,000,000 | $80,000 | $1,179,000 |
| Not Provided | 4,102 | $1,029,302,000 | $250,000 | $730,000 | $110,000 | $1,949,000 |
| Black or African American | 2,401 | $496,352,000 | $206,000 | $975,000 | $82,000 | $3,585,000 |
| Native Hawaiian or Other Pacific Islander | 314 | $81,547,000 | $259,000 | $730,000 | $103,000 | $843,000 |
| American Indian or Alaskan Native | 226 | $57,677,000 | $255,000 | $1,350,000 | $104,000 | $1,305,000 |
| Not applicable | 154 | $44,901,000 | $291,000 | $417,000 | $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) | 86,121 | $21,221,614,000 | $246,000 | $1,578,000 | $102,000 | $6,248,000 |
| 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 | 59,352 | $14,487,346,000 | $244,000 | $1,126,000 | $102,000 | $6,248,000 |
| Application Denied By Financial Institution | 23,539 | $5,933,428,000 | $252,000 | $1,578,000 | $101,000 | $5,582,000 |
| Application Withdrawn By Applicant | 3,076 | $755,939,000 | $245,000 | $1,350,000 | $114,000 | $2,040,000 |
| Loan Purchased By The Institution | 154 | $44,901,000 | $291,000 | $417,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 10,755 | $2,751,464,000 | $255,000 | $1,578,000 | $105,000 | $5,582,000 |
| Other | 7,251 | $1,783,158,000 | $245,000 | $1,400,000 | $109,000 | $5,202,000 |
| Debt-To-Income Ratio | 3,339 | $869,819,000 | $260,000 | $1,328,000 | $71,000 | $1,525,000 |
| Unverifiable Information | 1,178 | $291,399,000 | $247,000 | $975,000 | $104,000 | $2,100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 395 | $98,706,000 | $249,000 | $712,000 | $103,000 | $2,076,000 |
| Credit History | 314 | $65,016,000 | $207,000 | $470,000 | $82,000 | $579,000 |
| Employment History | 238 | $57,799,000 | $242,000 | $600,000 | $90,000 | $616,000 |
| Credit Application Incomplete | 35 | $8,350,000 | $238,000 | $640,000 | $101,000 | $300,000 |
| Mortgage Insurance Denied | 34 | $7,717,000 | $226,000 | $417,000 | $77,000 | $222,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2008 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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