Provident Funding Associates Mortgage Lending & HMDA Data, 2012
In 2012, Provident Funding Associates of Santa Rosa, CA reported 143,711 mortgage applications totaling $41.1 billion, up 41% from 2011. The average application was for $286,109, and applicants reported an average income of $101,765. 56% of its applications resulted in an originated loan and 12% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (11,672), Oakland-Fremont-Hayward, CA (7,641) and Los Angeles-Long Beach-Glendale, CA (6,550) (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 | 143,711 |
| Total Mortgage Loan Application Amount | $41,117,118,000 |
| Average Mortgage Loan Application Amount | $286,109 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $101,765 |
| 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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Jose-Sunnyvale-Santa Clara, CA | 11,672 | $ 4,675,907,000 | $ 400,608 | $ 144,000 |
| Oakland-Fremont-Hayward, CA | 7,641 | $ 2,865,677,000 | $ 375,039 | $ 134,000 |
| Los Angeles-Long Beach-Glendale, CA | 6,550 | $ 2,239,333,000 | $ 341,882 | $ 124,000 |
| Phoenix-Mesa-Glendale, AZ | 5,546 | $ 1,240,812,000 | $ 223,730 | $ 110,000 |
| Santa Ana-Anaheim-Irvine, CA | 5,316 | $ 1,857,631,000 | $ 349,441 | $ 123,000 |
| Seattle-Bellevue-Everett, WA | 5,237 | $ 1,627,803,000 | $ 310,827 | $ 102,000 |
| San Diego-Carlsbad-San Marcos, CA | 4,759 | $ 1,555,701,000 | $ 326,896 | $ 119,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4,276 | $ 1,465,514,000 | $ 342,730 | $ 71,326 |
| Salt Lake City, UT | 4,105 | $ 978,302,000 | $ 238,319 | $ 99,000 |
| San Francisco-San Mateo-Redwood City, CA | 4,028 | $ 1,648,897,000 | $ 409,358 | $ 148,000 |
| Edison-New Brunswick, NJ | 3,382 | $ 981,390,000 | $ 290,180 | $ 106,000 |
| Chicago-Joliet-Naperville, IL | 3,125 | $ 766,574,000 | $ 245,303 | $ 0 |
| Philadelphia, PA | 3,070 | $ 779,768,000 | $ 253,996 | $ 60,000 |
| Denver-Aurora-Broomfield, CO | 2,986 | $ 739,809,000 | $ 247,759 | $ 99,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2,871 | $ 703,722,000 | $ 245,113 | $ 109,298 |
| Sacramento--Arden-Arcade--Roseville, CA | 2,598 | $ 633,626,000 | $ 243,889 | $ 116,000 |
| Bethesda-Rockville-Frederick, MD | 2,491 | $ 846,576,000 | $ 339,853 | $ 90,000 |
| Dallas-Plano-Irving, TX | 2,267 | $ 488,858,000 | $ 215,640 | $ 110,000 |
| Ogden-Clearfield, UT | 2,004 | $ 433,199,000 | $ 216,167 | $ 87,000 |
| Newark-Union, NJ-PA | 2,000 | $ 628,717,000 | $ 314,358 | $ 116,568 |
| Indianapolis-Carmel, IN | 1,994 | $ 409,722,000 | $ 205,477 | $ 120,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,946 | $ 460,700,000 | $ 236,742 | $ 123,000 |
| Hartford-West Hartford-East Hartford, CT | 1,900 | $ 437,098,000 | $ 230,051 | $ 95,000 |
| Cambridge-Newton-Framingham, MA | 1,781 | $ 521,965,000 | $ 293,074 | $ 0 |
| Baltimore-Towson, MD | 1,765 | $ 511,708,000 | $ 289,919 | $ 76,000 |
| Riverside-San Bernardino-Ontario, CA | 1,745 | $ 413,282,000 | $ 236,837 | $ 103,000 |
| Louisville/Jefferson County, KY-IN | 1,634 | $ 338,849,000 | $ 207,373 | $ 83,602 |
| Provo-Orem, UT | 1,600 | $ 340,276,000 | $ 212,672 | $ 89,000 |
| Raleigh-Cary, NC | 1,551 | $ 372,791,000 | $ 240,355 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,536 | $ 328,296,000 | $ 213,734 | $ 104,900 |
| New York-White Plains-Wayne, NY-NJ | 1,348 | $ 416,825,000 | $ 309,217 | $ 119,000 |
| Honolulu, HI | 1,281 | $ 541,911,000 | $ 423,037 | $ 123,000 |
| Houston-Sugar Land-Baytown, TX | 1,260 | $ 278,504,000 | $ 221,034 | $ 105,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1,182 | $ 378,183,000 | $ 319,951 | $ 114,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1,153 | $ 279,837,000 | $ 242,703 | $ 116,105 |
| Boston-Quincy, MA | 1,108 | $ 309,002,000 | $ 278,882 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 885 | $ 295,917,000 | $ 334,369 | $ 158,000 |
| Warren-Troy-Farmington Hills, MI | 829 | $ 171,120,000 | $ 206,417 | $ 108,000 |
| San Luis Obispo-Paso Robles, CA | 825 | $ 230,083,000 | $ 278,888 | $ 106,000 |
| St. Louis, MO-IL | 778 | $ 167,127,000 | $ 214,816 | $ 89,634 |
| Camden, NJ | 775 | $ 177,040,000 | $ 228,438 | $ 96,000 |
| New Haven-Milford, CT | 736 | $ 179,982,000 | $ 244,540 | $ 116,000 |
| Santa Rosa-Petaluma, CA | 728 | $ 199,128,000 | $ 273,527 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 709 | $ 186,807,000 | $ 263,479 | $ 1,861 |
| Boulder, CO | 644 | $ 173,565,000 | $ 269,510 | $ 112,000 |
| Eugene-Springfield, OR | 625 | $ 114,143,000 | $ 182,628 | $ 82,000 |
| Tucson, AZ | 545 | $ 116,780,000 | $ 214,275 | $ 99,000 |
| Santa Cruz-Watsonville, CA | 511 | $ 178,075,000 | $ 348,483 | $ 127,000 |
| Kansas City, MO-KS | 502 | $ 101,112,000 | $ 201,418 | $ 105,318 |
| Santa Barbara-Santa Maria-Goleta, CA | 477 | $ 172,073,000 | $ 360,740 | $ 134,000 |
| Lexington-Fayette, KY | 458 | $ 90,404,000 | $ 197,388 | $ 95,000 |
| Austin-Round Rock-San Marcos, TX | 430 | $ 94,111,000 | $ 218,862 | $ 98,000 |
| Peabody, MA | 428 | $ 122,081,000 | $ 285,235 | $ 0 |
| Portland-South Portland-Biddeford, ME | 426 | $ 93,237,000 | $ 218,866 | $ 118,000 |
| Tampa-St. Petersburg-Clearwater, FL | 418 | $ 91,801,000 | $ 219,619 | $ 0 |
| Worcester, MA | 392 | $ 97,178,000 | $ 247,903 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 384 | $ 82,264,000 | $ 214,229 | $ 63,500 |
| Cincinnati-Middletown, OH-KY-IN | 383 | $ 81,429,000 | $ 212,608 | $ 86,736 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 378 | $ 95,913,000 | $ 253,738 | $ 0 |
| Richmond, VA | 352 | $ 90,095,000 | $ 255,951 | $ 59,000 |
| Fort Collins-Loveland, CO | 348 | $ 75,215,000 | $ 216,135 | $ 83,000 |
| Trenton-Ewing, NJ | 345 | $ 98,399,000 | $ 285,214 | $ 123,000 |
| Orlando-Kissimmee-Sanford, FL | 341 | $ 74,340,000 | $ 218,005 | $ 0 |
| Pittsburgh, PA | 339 | $ 68,381,000 | $ 201,713 | $ 60,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 323 | $ 80,284,000 | $ 248,557 | $ 0 |
| Providence-New Bedford-Fall River, RI-MA | 318 | $ 75,254,000 | $ 236,647 | $ 0 |
| Stockton, CA | 316 | $ 65,273,000 | $ 206,560 | $ 119,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 316 | $ 77,640,000 | $ 245,696 | $ 54,000 |
| St. George, UT | 310 | $ 64,221,000 | $ 207,164 | $ 97,000 |
| Fort Worth-Arlington, TX | 305 | $ 60,766,000 | $ 199,232 | $ 87,000 |
| Las Vegas-Paradise, NV | 298 | $ 52,207,000 | $ 175,191 | $ 83,000 |
| Detroit-Livonia-Dearborn, MI | 274 | $ 61,038,000 | $ 222,766 | $ 108,000 |
| Prescott, AZ | 258 | $ 53,299,000 | $ 206,585 | $ 83,000 |
| Tacoma, WA | 258 | $ 64,670,000 | $ 250,658 | $ 104,000 |
| Logan, UT-ID | 251 | $ 45,775,000 | $ 182,370 | $ 65,784 |
| Vallejo-Fairfield, CA | 245 | $ 59,528,000 | $ 242,971 | $ 107,000 |
| Salinas, CA | 239 | $ 70,609,000 | $ 295,435 | $ 111,000 |
| Colorado Springs, CO | 233 | $ 53,710,000 | $ 230,515 | $ 105,000 |
| Milwaukee-Waukesha-West Allis, WI | 228 | $ 50,443,000 | $ 221,241 | $ 127,000 |
| Columbus, OH | 221 | $ 46,480,000 | $ 210,316 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 220 | $ 48,411,000 | $ 220,050 | $ 95,000 |
| Durham-Chapel Hill, NC | 218 | $ 49,110,000 | $ 225,275 | $ 103,000 |
| New Orleans-Metairie-Kenner, LA | 208 | $ 40,996,000 | $ 197,096 | $ 120,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 197 | $ 41,974,000 | $ 213,065 | $ 110,000 |
| Fresno, CA | 196 | $ 43,721,000 | $ 223,066 | $ 98,000 |
| Napa, CA | 194 | $ 60,079,000 | $ 309,685 | $ 108,000 |
| Salem, OR | 185 | $ 35,396,000 | $ 191,329 | $ 52,000 |
| Wilmington, DE-MD-NJ | 177 | $ 40,987,000 | $ 231,564 | $ 64,209 |
| Jacksonville, FL | 175 | $ 37,752,000 | $ 215,725 | $ 0 |
| Bend, OR | 169 | $ 35,277,000 | $ 208,739 | $ 83,000 |
| Tulsa, OK | 168 | $ 33,535,000 | $ 199,613 | $ 111,000 |
| Albuquerque, NM | 160 | $ 32,781,000 | $ 204,881 | $ 103,000 |
| Ann Arbor, MI | 158 | $ 32,928,000 | $ 208,405 | $ 110,000 |
| Harrisburg-Carlisle, PA | 154 | $ 34,302,000 | $ 222,740 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 152 | $ 39,752,000 | $ 261,526 | $ 0 |
| Rockingham County-Strafford County, NH | 146 | $ 37,499,000 | $ 256,842 | $ 22,000 |
| Wilmington, NC | 145 | $ 29,818,000 | $ 205,641 | $ 94,000 |
| Cleveland-Elyria-Mentor, OH | 143 | $ 26,742,000 | $ 187,006 | $ 88,000 |
| Norwich-New London, CT | 141 | $ 32,805,000 | $ 232,659 | $ 108,000 |
| Oklahoma City, OK | 138 | $ 27,025,000 | $ 195,833 | $ 97,000 |
| Spokane, WA | 133 | $ 27,875,000 | $ 209,586 | $ 89,000 |
| Greensboro-High Point, NC | 130 | $ 27,863,000 | $ 214,330 | $ 96,000 |
| Barnstable Town, MA | 125 | $ 32,219,000 | $ 257,752 | $ 0 |
| Boise City-Nampa, ID | 124 | $ 27,495,000 | $ 221,733 | $ 110,000 |
| Bakersfield-Delano, CA | 117 | $ 26,470,000 | $ 226,239 | $ 118,000 |
| Yakima, WA | 113 | $ 24,197,000 | $ 214,132 | $ 108,000 |
| North Port-Bradenton-Sarasota, FL | 112 | $ 24,036,000 | $ 214,607 | $ 0 |
| Olympia, WA | 112 | $ 24,874,000 | $ 222,089 | $ 98,000 |
| Bremerton-Silverdale, WA | 111 | $ 28,979,000 | $ 261,072 | $ 115,000 |
| Flagstaff, AZ | 110 | $ 25,088,000 | $ 228,072 | $ 144,000 |
| Greeley, CO | 108 | $ 22,711,000 | $ 210,287 | $ 98,000 |
| Modesto, CA | 104 | $ 19,091,000 | $ 183,567 | $ 108,000 |
| Manchester-Nashua, NH | 103 | $ 23,298,000 | $ 226,194 | $ 23,000 |
| San Antonio-New Braunfels, TX | 99 | $ 21,204,000 | $ 214,181 | $ 88,000 |
| Chico, CA | 97 | $ 21,288,000 | $ 219,463 | $ 88,000 |
| Corvallis, OR | 96 | $ 20,197,000 | $ 210,385 | $ 96,000 |
| Gary, IN | 92 | $ 18,281,000 | $ 198,706 | $ 86,000 |
| Little Rock-North Little Rock-Conway, AR | 90 | $ 16,660,000 | $ 185,111 | $ 33,000 |
| Atlantic City-Hammonton, NJ | 87 | $ 22,082,000 | $ 253,816 | $ 107,000 |
| Medford, OR | 87 | $ 19,663,000 | $ 226,011 | $ 88,000 |
| Jackson, MS | 86 | $ 18,118,000 | $ 210,674 | $ 106,000 |
| Cape Coral-Fort Myers, FL | 85 | $ 17,067,000 | $ 200,788 | $ 1,000 |
| Greenville-Mauldin-Easley, SC | 85 | $ 16,488,000 | $ 193,976 | $ 105,000 |
| Baton Rouge, LA | 81 | $ 15,503,000 | $ 191,395 | $ 89,000 |
| Madison, WI | 81 | $ 18,651,000 | $ 230,259 | $ 111,000 |
| Ocean City, NJ | 81 | $ 21,979,000 | $ 271,345 | $ 118,000 |
| Charlottesville, VA | 80 | $ 19,028,000 | $ 237,850 | $ 47,000 |
| Akron, OH | 79 | $ 15,324,000 | $ 193,974 | $ 83,000 |
| Topeka, KS | 70 | $ 12,361,000 | $ 176,585 | $ 102,000 |
| Lancaster, PA | 69 | $ 13,330,000 | $ 193,188 | $ 39,000 |
| Winston-Salem, NC | 69 | $ 15,087,000 | $ 218,652 | $ 92,000 |
| Charleston-North Charleston-Summerville, SC | 67 | $ 16,252,000 | $ 242,567 | $ 125,000 |
| Redding, CA | 67 | $ 13,360,000 | $ 199,402 | $ 74,000 |
| Reading, PA | 64 | $ 11,710,000 | $ 182,968 | $ 49,000 |
| Visalia-Porterville, CA | 62 | $ 13,105,000 | $ 211,370 | $ 106,000 |
| Bellingham, WA | 61 | $ 14,813,000 | $ 242,836 | $ 84,000 |
| Des Moines-West Des Moines, IA | 61 | $ 13,653,000 | $ 223,819 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 60 | $ 12,250,000 | $ 204,166 | $ 1,000 |
| Lafayette, IN | 59 | $ 11,034,000 | $ 187,016 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 59 | $ 11,718,000 | $ 198,610 | $ 107,728 |
| Kennewick-Pasco-Richland, WA | 58 | $ 12,327,000 | $ 212,534 | $ 93,000 |
| Springfield, MA | 55 | $ 12,233,000 | $ 222,418 | $ 0 |
| Reno-Sparks, NV | 54 | $ 13,543,000 | $ 250,796 | $ 141,000 |
| Gainesville, FL | 53 | $ 11,434,000 | $ 215,735 | $ 0 |
| Knoxville, TN | 53 | $ 9,407,000 | $ 177,490 | $ 78,000 |
| Columbia, SC | 51 | $ 10,394,000 | $ 203,803 | $ 126,000 |
| Wenatchee-East Wenatchee, WA | 51 | $ 11,908,000 | $ 233,490 | $ 118,000 |
| Lake Havasu City-Kingman, AZ | 49 | $ 8,791,000 | $ 179,408 | $ 107,000 |
| York-Hanover, PA | 48 | $ 8,430,000 | $ 175,625 | $ 25,000 |
| Missoula, MT | 46 | $ 9,634,000 | $ 209,434 | $ 78,000 |
| Birmingham-Hoover, AL | 44 | $ 8,774,000 | $ 199,409 | $ 96,000 |
| Chattanooga, TN-GA | 44 | $ 7,153,000 | $ 162,568 | $ 67,136 |
| Huntsville, AL | 44 | $ 7,805,000 | $ 177,386 | $ 99,000 |
| Appleton, WI | 43 | $ 7,564,000 | $ 175,906 | $ 86,000 |
| Gainesville, GA | 43 | $ 9,848,000 | $ 229,023 | $ 119,000 |
| Scranton--Wilkes-Barre, PA | 42 | $ 8,629,000 | $ 205,452 | $ 50,000 |
| Asheville, NC | 41 | $ 8,319,000 | $ 202,902 | $ 85,000 |
| Memphis, TN-MS-AR | 40 | $ 8,648,000 | $ 216,200 | $ 100,550 |
| Peoria, IL | 40 | $ 8,345,000 | $ 208,625 | $ 0 |
| Coeur D'Alene, ID | 37 | $ 7,107,000 | $ 192,081 | $ 79,000 |
| Savannah, GA | 36 | $ 7,968,000 | $ 221,333 | $ 91,000 |
| Canton-Massillon, OH | 35 | $ 4,175,000 | $ 119,285 | $ 67,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 34 | $ 7,123,000 | $ 209,500 | $ 0 |
| Grand Rapids-Wyoming, MI | 34 | $ 5,661,000 | $ 166,500 | $ 81,000 |
| Houma-Bayou Cane-Thibodaux, LA | 34 | $ 6,967,000 | $ 204,911 | $ 83,000 |
| Naples-Marco Island, FL | 34 | $ 8,376,000 | $ 246,352 | $ 0 |
| Fort Wayne, IN | 33 | $ 5,352,000 | $ 162,181 | $ 75,000 |
| Dayton, OH | 32 | $ 5,506,000 | $ 172,062 | $ 87,000 |
| Grand Junction, CO | 32 | $ 7,571,000 | $ 236,593 | $ 68,000 |
| Athens-Clarke County, GA | 31 | $ 4,707,000 | $ 151,838 | $ 85,000 |
| Green Bay, WI | 31 | $ 5,070,000 | $ 163,548 | $ 83,000 |
| Lansing-East Lansing, MI | 31 | $ 5,569,000 | $ 179,645 | $ 105,000 |
| Merced, CA | 31 | $ 5,408,000 | $ 174,451 | $ 103,000 |
| Columbus, IN | 30 | $ 6,027,000 | $ 200,900 | $ 138,000 |
| Port St. Lucie, FL | 29 | $ 5,562,000 | $ 191,793 | $ 0 |
| Fargo, ND-MN | 27 | $ 5,401,000 | $ 200,037 | $ 126,111 |
| Springfield, MO | 26 | $ 6,198,000 | $ 238,384 | $ 101,000 |
| State College, PA | 26 | $ 6,522,000 | $ 250,846 | $ 46,000 |
| Augusta-Richmond County, GA-SC | 25 | $ 6,398,000 | $ 255,920 | $ 132,200 |
| Lynchburg, VA | 25 | $ 5,216,000 | $ 208,640 | $ 84,000 |
| Wichita, KS | 25 | $ 4,111,000 | $ 164,440 | $ 111,000 |
| Bloomington, IN | 24 | $ 4,080,000 | $ 170,000 | $ 153,000 |
| Mount Vernon-Anacortes, WA | 24 | $ 6,347,000 | $ 264,458 | $ 127,000 |
| Omaha-Council Bluffs, NE-IA | 23 | $ 3,993,000 | $ 173,608 | $ 82,000 |
| Blacksburg-Christiansburg-Radford, VA | 22 | $ 5,294,000 | $ 240,636 | $ 49,000 |
| Hickory-Lenoir-Morganton, NC | 22 | $ 5,119,000 | $ 232,681 | $ 165,000 |
| Madera-Chowchilla, CA | 22 | $ 4,249,000 | $ 193,136 | $ 105,000 |
| Roanoke, VA | 22 | $ 4,969,000 | $ 225,863 | $ 75,000 |
| Evansville, IN-KY | 21 | $ 3,656,000 | $ 174,095 | $ 83,714 |
| Columbus, GA-AL | 20 | $ 4,046,000 | $ 202,300 | $ 104,950 |
| Lakeland-Winter Haven, FL | 20 | $ 3,247,000 | $ 162,350 | $ 0 |
| Santa Fe, NM | 20 | $ 6,523,000 | $ 326,150 | $ 149,000 |
| Duluth, MN-WI | 19 | $ 3,030,000 | $ 159,473 | $ 64,894 |
| Tallahassee, FL | 19 | $ 3,638,000 | $ 191,473 | $ 0 |
| Las Cruces, NM | 18 | $ 3,617,000 | $ 200,944 | $ 92,000 |
| Punta Gorda, FL | 18 | $ 3,980,000 | $ 221,111 | $ 12,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 17 | $ 3,102,000 | $ 182,470 | $ 84,000 |
| Yuba City, CA | 17 | $ 2,871,000 | $ 168,882 | $ 132,000 |
| Anderson, IN | 16 | $ 2,992,000 | $ 187,000 | $ 102,000 |
| Idaho Falls, ID | 16 | $ 3,318,000 | $ 207,375 | $ 81,000 |
| Oshkosh-Neenah, WI | 16 | $ 3,186,000 | $ 199,125 | $ 111,000 |
| Spartanburg, SC | 16 | $ 2,447,000 | $ 152,937 | $ 70,000 |
| Vineland-Millville-Bridgeton, NJ | 16 | $ 2,659,000 | $ 166,187 | $ 57,000 |
| Billings, MT | 15 | $ 2,704,000 | $ 180,266 | $ 59,000 |
| Columbia, MO | 15 | $ 2,979,000 | $ 198,600 | $ 107,000 |
| Holland-Grand Haven, MI | 15 | $ 2,690,000 | $ 179,333 | $ 42,000 |
| Ocala, FL | 15 | $ 2,093,000 | $ 139,533 | $ 0 |
| El Paso, TX | 14 | $ 2,720,000 | $ 194,285 | $ 59,000 |
| Flint, MI | 14 | $ 2,400,000 | $ 171,428 | $ 96,000 |
| Palm Coast, FL | 14 | $ 2,256,000 | $ 161,142 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 3,516,000 | $ 251,142 | $ 0 |
| Yuma, AZ | 14 | $ 2,956,000 | $ 211,142 | $ 73,000 |
| College Station-Bryan, TX | 13 | $ 2,583,000 | $ 198,692 | $ 61,000 |
| Hagerstown-Martinsburg, MD-WV | 13 | $ 2,562,000 | $ 197,076 | $ 87,000 |
| Hanford-Corcoran, CA | 13 | $ 2,398,000 | $ 184,461 | $ 104,000 |
| Lafayette, LA | 13 | $ 2,081,000 | $ 160,076 | $ 72,000 |
| Longview, WA | 13 | $ 2,440,000 | $ 187,692 | $ 89,000 |
| Pueblo, CO | 13 | $ 2,173,000 | $ 167,153 | $ 70,000 |
| Sebastian-Vero Beach, FL | 13 | $ 2,739,000 | $ 210,692 | $ 0 |
| Winchester, VA-WV | 13 | $ 2,830,000 | $ 217,692 | $ 53,000 |
| Youngstown-Warren-Boardman, OH-PA | 13 | $ 2,398,000 | $ 184,461 | $ 64,307 |
| Bangor, ME | 12 | $ 2,029,000 | $ 169,083 | $ 112,000 |
| Lake Charles, LA | 12 | $ 2,227,000 | $ 185,583 | $ 119,000 |
| Lewiston-Auburn, ME | 12 | $ 2,259,000 | $ 188,250 | $ 106,000 |
| Rockford, IL | 12 | $ 1,988,000 | $ 165,666 | $ 0 |
| Beaumont-Port Arthur, TX | 11 | $ 2,057,000 | $ 187,000 | $ 54,000 |
| Bloomington-Normal, IL | 11 | $ 1,910,000 | $ 173,636 | $ 0 |
| Bowling Green, KY | 11 | $ 1,755,000 | $ 159,545 | $ 103,000 |
| Hot Springs, AR | 11 | $ 2,012,000 | $ 182,909 | $ 49,000 |
| Macon, GA | 11 | $ 2,688,000 | $ 244,363 | $ 121,000 |
| Rapid City, SD | 11 | $ 1,919,000 | $ 174,454 | $ 0 |
| Rochester, MN | 11 | $ 2,696,000 | $ 245,090 | $ 116,000 |
| St. Joseph, MO-KS | 11 | $ 2,117,000 | $ 192,454 | $ 112,000 |
| Champaign-Urbana, IL | 10 | $ 1,709,000 | $ 170,900 | $ 0 |
| Corpus Christi, TX | 10 | $ 1,522,000 | $ 152,200 | $ 73,000 |
| Erie, PA | 10 | $ 1,361,000 | $ 136,100 | $ 73,000 |
| Joplin, MO | 10 | $ 1,389,000 | $ 138,900 | $ 71,000 |
| Kokomo, IN | 10 | $ 1,498,000 | $ 149,800 | $ 89,000 |
| Racine, WI | 10 | $ 1,811,000 | $ 181,100 | $ 102,000 |
| San Angelo, TX | 10 | $ 1,900,000 | $ 190,000 | $ 20,000 |
| Toledo, OH | 10 | $ 1,748,000 | $ 174,800 | $ 60,000 |
| Burlington, NC | 9 | $ 1,649,000 | $ 183,222 | $ 84,000 |
| Clarksville, TN-KY | 9 | $ 1,526,000 | $ 169,555 | $ 102,555 |
| Elizabethtown, KY | 9 | $ 1,774,000 | $ 197,111 | $ 90,000 |
| Lebanon, PA | 9 | $ 1,486,000 | $ 165,111 | $ 58,000 |
| Mobile, AL | 9 | $ 1,586,000 | $ 176,222 | $ 77,000 |
| Florence, SC | 8 | $ 1,655,000 | $ 206,875 | $ 58,000 |
| Fort Smith, AR-OK | 8 | $ 1,681,000 | $ 210,125 | $ 114,000 |
| Harrisonburg, VA | 8 | $ 1,643,000 | $ 205,375 | $ 39,000 |
| Lawrence, KS | 8 | $ 1,829,000 | $ 228,625 | $ 102,000 |
| Lincoln, NE | 8 | $ 1,134,000 | $ 141,750 | $ 69,000 |
| Mankato-North Mankato, MN | 8 | $ 1,416,000 | $ 177,000 | $ 53,000 |
| Montgomery, AL | 8 | $ 1,677,000 | $ 209,625 | $ 66,000 |
| Niles-Benton Harbor, MI | 8 | $ 1,891,000 | $ 236,375 | $ 143,000 |
| Shreveport-Bossier City, LA | 8 | $ 1,415,000 | $ 176,875 | $ 82,000 |
| St. Cloud, MN | 8 | $ 1,415,000 | $ 176,875 | $ 72,000 |
| Waco, TX | 8 | $ 2,239,000 | $ 279,875 | $ 126,000 |
| Brunswick, GA | 7 | $ 1,537,000 | $ 219,571 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 1,825,000 | $ 260,714 | $ 0 |
| El Centro, CA | 7 | $ 1,125,000 | $ 160,714 | $ 92,000 |
| Farmington, NM | 7 | $ 1,206,000 | $ 172,285 | $ 34,000 |
| Fayetteville, NC | 7 | $ 1,242,000 | $ 177,428 | $ 118,000 |
| Jacksonville, NC | 7 | $ 1,559,000 | $ 222,714 | $ 133,000 |
| Kalamazoo-Portage, MI | 7 | $ 1,515,000 | $ 216,428 | $ 97,000 |
| Manhattan, KS | 7 | $ 1,117,000 | $ 159,571 | $ 62,000 |
| McAllen-Edinburg-Mission, TX | 7 | $ 1,122,000 | $ 160,285 | $ 103,000 |
| Muskegon-Norton Shores, MI | 7 | $ 1,068,000 | $ 152,571 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 7 | $ 1,324,000 | $ 189,142 | $ 0 |
| Salisbury, MD | 7 | $ 1,855,000 | $ 265,000 | $ 113,000 |
| Tyler, TX | 7 | $ 1,081,000 | $ 154,428 | $ 80,000 |
| Cape Girardeau-Jackson, MO-IL | 6 | $ 1,047,000 | $ 174,500 | $ 125,000 |
| Elkhart-Goshen, IN | 6 | $ 1,225,000 | $ 204,166 | $ 63,000 |
| Greenville, NC | 6 | $ 1,010,000 | $ 168,333 | $ 96,000 |
| Janesville, WI | 6 | $ 877,000 | $ 146,166 | $ 73,000 |
| Monroe, MI | 6 | $ 886,000 | $ 147,666 | $ 81,000 |
| Muncie, IN | 6 | $ 667,000 | $ 111,166 | $ 107,000 |
| Pocatello, ID | 6 | $ 661,000 | $ 110,166 | $ 65,000 |
| Sherman-Denison, TX | 6 | $ 1,196,000 | $ 199,333 | $ 106,000 |
| Terre Haute, IN | 6 | $ 1,289,000 | $ 214,833 | $ 166,000 |
| Valdosta, GA | 6 | $ 985,000 | $ 164,166 | $ 74,000 |
| Altoona, PA | 5 | $ 946,000 | $ 189,200 | $ 50,000 |
| Amarillo, TX | 5 | $ 901,000 | $ 180,200 | $ 68,000 |
| Bismarck, ND | 5 | $ 817,000 | $ 163,400 | $ 62,000 |
| Dover, DE | 5 | $ 939,000 | $ 187,800 | $ 67,000 |
| Fond Du Lac, WI | 5 | $ 777,000 | $ 155,400 | $ 155,000 |
| Goldsboro, NC | 5 | $ 751,000 | $ 150,200 | $ 143,000 |
| Grand Forks, ND-MN | 5 | $ 909,000 | $ 181,800 | $ 125,200 |
| Hattiesburg, MS | 5 | $ 1,158,000 | $ 231,600 | $ 78,000 |
| Johnson City, TN | 5 | $ 787,000 | $ 157,400 | $ 124,000 |
| Williamsport, PA | 5 | $ 971,000 | $ 194,200 | $ 23,000 |
| Ames, IA | 4 | $ 464,000 | $ 116,000 | $ 75,000 |
| Anderson, SC | 4 | $ 577,000 | $ 144,250 | $ 58,000 |
| Burlington-South Burlington, VT | 4 | $ 993,000 | $ 248,250 | $ 14,000 |
| Carson City, NV | 4 | $ 532,000 | $ 133,000 | $ 68,000 |
| Dalton, GA | 4 | $ 616,000 | $ 154,000 | $ 35,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 683,000 | $ 170,750 | $ 89,000 |
| Decatur, AL | 4 | $ 822,000 | $ 205,500 | $ 68,000 |
| Eau Claire, WI | 4 | $ 631,000 | $ 157,750 | $ 134,000 |
| Jonesboro, AR | 4 | $ 453,000 | $ 113,250 | $ 57,000 |
| Michigan City-La Porte, IN | 4 | $ 993,000 | $ 248,250 | $ 129,000 |
| Springfield, OH | 4 | $ 644,000 | $ 161,000 | $ 70,000 |
| Sumter, SC | 4 | $ 595,000 | $ 148,750 | $ 73,000 |
| Warner Robins, GA | 4 | $ 645,000 | $ 161,250 | $ 85,000 |
| Abilene, TX | 3 | $ 508,000 | $ 169,333 | $ 202,000 |
| Brownsville-Harlingen, TX | 3 | $ 651,000 | $ 217,000 | $ 130,000 |
| Cedar Rapids, IA | 3 | $ 593,000 | $ 197,666 | $ 53,000 |
| Cleveland, TN | 3 | $ 512,000 | $ 170,666 | $ 85,000 |
| Great Falls, MT | 3 | $ 488,000 | $ 162,666 | $ 69,000 |
| Gulfport-Biloxi, MS | 3 | $ 520,000 | $ 173,333 | $ 52,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 550,000 | $ 183,333 | $ 241,000 |
| Jackson, TN | 3 | $ 215,000 | $ 71,666 | $ 15,000 |
| Jefferson City, MO | 3 | $ 638,000 | $ 212,666 | $ 52,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 351,000 | $ 117,000 | $ 74,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 635,000 | $ 211,666 | $ 0 |
| Laredo, TX | 3 | $ 877,000 | $ 292,333 | $ 99,000 |
| Lewiston, ID-WA | 3 | $ 632,000 | $ 210,666 | $ 137,666 |
| Longview, TX | 3 | $ 423,000 | $ 141,000 | $ 98,000 |
| Monroe, LA | 3 | $ 545,000 | $ 181,666 | $ 86,000 |
| Owensboro, KY | 3 | $ 631,000 | $ 210,333 | $ 132,000 |
| Sheboygan, WI | 3 | $ 505,000 | $ 168,333 | $ 98,000 |
| Sioux Falls, SD | 3 | $ 352,000 | $ 117,333 | $ 119,000 |
| Victoria, TX | 3 | $ 534,000 | $ 178,000 | $ 162,000 |
| Auburn-Opelika, AL | 2 | $ 509,000 | $ 254,500 | $ 141,000 |
| Cheyenne, WY | 2 | $ 434,000 | $ 217,000 | $ 71,000 |
| Dothan, AL | 2 | $ 249,000 | $ 124,500 | $ 32,000 |
| Hinesville-Fort Stewart, GA | 2 | $ 384,000 | $ 192,000 | $ 123,000 |
| Jackson, MI | 2 | $ 189,000 | $ 94,500 | $ 112,000 |
| Johnstown, PA | 2 | $ 444,000 | $ 222,000 | $ 86,000 |
| Kankakee-Bradley, IL | 2 | $ 416,000 | $ 208,000 | $ 0 |
| Morristown, TN | 2 | $ 573,000 | $ 286,500 | $ 79,000 |
| Pascagoula, MS | 2 | $ 246,000 | $ 123,000 | $ 56,000 |
| Pine Bluff, AR | 2 | $ 348,000 | $ 174,000 | $ 0 |
| Pittsfield, MA | 2 | $ 462,000 | $ 231,000 | $ 0 |
| Rocky Mount, NC | 2 | $ 421,000 | $ 210,500 | $ 67,000 |
| Rome, GA | 2 | $ 370,000 | $ 185,000 | $ 41,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 235,000 | $ 117,500 | $ 82,000 |
| Sandusky, OH | 2 | $ 434,000 | $ 217,000 | $ 155,000 |
| Springfield, IL | 2 | $ 405,000 | $ 202,500 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 265,000 | $ 132,500 | $ 177,000 |
| Alexandria, LA | 1 | $ 116,000 | $ 116,000 | $ 80,000 |
| Florence-Muscle Shoals, AL | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| La Crosse, WI-MN | 1 | $ 68,000 | $ 68,000 | $ 10,000 |
| Mansfield, OH | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Midland, TX | 1 | $ 353,000 | $ 353,000 | $ 148,000 |
| Nassau-Suffolk, NY | 1 | $ 288,000 | $ 288,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Sioux City, IA-NE-SD | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Tuscaloosa, AL | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 137,000 | $ 137,000 | $ 91,000 |
| Wausau, WI | 1 | $ 80,000 | $ 80,000 | $ 46,000 |
| Wichita Falls, TX | 1 | $ 75,000 | $ 75,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2012
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 | 132,487 | $37,958,401,000 | $286,000 | $2,000,000 | $102,000 | $9,999,000 |
| Home Purchase | 11,224 | $3,158,717,000 | $281,000 | $2,000,000 | $99,000 | $9,999,000 |
| 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 | 59,700 | $16,225,307,000 | $271,000 | $2,000,000 | $125,000 | $9,999,000 |
| Asian | 31,363 | $10,452,453,000 | $333,000 | $1,865,000 | $138,000 | $9,999,000 |
| Not applicable | 28,450 | $7,960,328,000 | $279,000 | $819,000 | $0 | $0 |
| Not Provided | 20,358 | $5,427,856,000 | $266,000 | $1,935,000 | $121,000 | $6,000,000 |
| Hispanic | 2,640 | $724,666,000 | $274,000 | $1,335,000 | $114,000 | $1,226,000 |
| Black or African American | 590 | $144,813,000 | $245,000 | $626,000 | $112,000 | $804,000 |
| Native Hawaiian or Other Pacific Islander | 395 | $125,621,000 | $318,000 | $721,000 | $112,000 | $555,000 |
| American Indian or Alaskan Native | 215 | $56,074,000 | $260,000 | $626,000 | $117,000 | $603,000 |
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) | 143,711 | $41,117,118,000 | $286,000 | $2,000,000 | $102,000 | $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 | 80,775 | $22,901,399,000 | $283,000 | $1,935,000 | $127,000 | $3,167,000 |
| Loan Purchased By The Institution | 28,485 | $7,967,788,000 | $279,000 | $819,000 | $0 | $216,000 |
| Application Denied By Financial Institution | 16,622 | $4,991,265,000 | $300,000 | $2,000,000 | $113,000 | $9,999,000 |
| Application Withdrawn By Applicant | 13,668 | $3,956,045,000 | $289,000 | $2,000,000 | $142,000 | $9,999,000 |
| File Closed For Incompleteness | 3,406 | $1,064,619,000 | $312,000 | $1,842,000 | $135,000 | $2,284,000 |
| Application Approved But Not Accepted | 755 | $236,002,000 | $312,000 | $626,000 | $132,000 | $1,167,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 5,349 | $1,628,514,000 | $304,000 | $2,000,000 | $85,000 | $9,999,000 |
| Other | 4,612 | $1,462,071,000 | $317,000 | $1,950,000 | $139,000 | $5,042,000 |
| Collateral | 4,524 | $1,292,299,000 | $285,000 | $1,275,000 | $123,000 | $9,999,000 |
| Credit History | 1,064 | $292,272,000 | $274,000 | $1,480,000 | $104,000 | $1,145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 384 | $117,468,000 | $305,000 | $1,193,000 | $126,000 | $1,355,000 |
| Unverifiable Information | 349 | $108,237,000 | $310,000 | $626,000 | $103,000 | $525,000 |
| Employment History | 216 | $59,859,000 | $277,000 | $821,000 | $100,000 | $641,000 |
| Mortgage Insurance Denied | 98 | $24,661,000 | $251,000 | $602,000 | $107,000 | $245,000 |
| Credit Application Incomplete | 26 | $5,884,000 | $226,000 | $416,000 | $125,000 | $365,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2012 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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