Provident Funding Associates Mortgage Lending & HMDA Data, 2016
In 2016, Provident Funding Associates of Santa Rosa, CA reported 55,708 mortgage applications totaling $15.7 billion, up 78% from 2015. The average application was for $281,880, and applicants reported an average income of $120,350. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (2,681), Denver-Aurora-Lakewood, CO (2,598) and Salt Lake City, UT (2,322) (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 | 55,708 |
| Total Mortgage Loan Application Amount | $15,702,993,000 |
| Average Mortgage Loan Application Amount | $281,880 |
| Highest Mortgage Loan Application Amount | $1,036,000 |
| Average Applicant Income | $120,350 |
| 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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Seattle-Bellevue-Everett, WA | 2,681 | $ 865,717,000 | $ 322,908 | $ 121,000 |
| Denver-Aurora-Lakewood, CO | 2,598 | $ 732,620,000 | $ 281,993 | $ 115,000 |
| Salt Lake City, UT | 2,322 | $ 608,864,000 | $ 262,215 | $ 101,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2,245 | $ 631,219,000 | $ 281,166 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 2,214 | $ 788,899,000 | $ 356,322 | $ 137,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2,194 | $ 809,308,000 | $ 368,873 | $ 141,000 |
| Dallas-Plano-Irving, TX | 2,131 | $ 609,494,000 | $ 286,013 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,987 | $ 478,820,000 | $ 240,976 | $ 115,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,963 | $ 509,030,000 | $ 259,312 | $ 126,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,896 | $ 645,646,000 | $ 340,530 | $ 117,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,791 | $ 518,806,000 | $ 289,673 | $ 127,032 |
| Ogden-Clearfield, UT | 1,346 | $ 316,330,000 | $ 235,014 | $ 92,000 |
| San Diego-Carlsbad, CA | 1,315 | $ 449,172,000 | $ 341,575 | $ 124,000 |
| Riverside-San Bernardino-Ontario, CA | 1,285 | $ 348,849,000 | $ 271,477 | $ 104,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,264 | $ 459,023,000 | $ 363,151 | $ 126,000 |
| Provo-Orem, UT | 1,235 | $ 303,827,000 | $ 246,013 | $ 91,000 |
| Chicago-Naperville-Arlington Heights, IL | 1,167 | $ 308,783,000 | $ 264,595 | $ 132,000 |
| Montgomery County-Bucks County-Chester County, PA | 1,027 | $ 292,414,000 | $ 284,726 | $ 126,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 958 | $ 250,190,000 | $ 261,158 | $ 130,991 |
| Houston-The Woodlands-Sugar Land, TX | 917 | $ 232,274,000 | $ 253,297 | $ 129,000 |
| New York-Jersey City-White Plains, NY-NJ | 862 | $ 261,888,000 | $ 303,814 | $ 143,000 |
| Charlotte-Concord-Gastonia, NC-SC | 753 | $ 186,453,000 | $ 247,613 | $ 126,375 |
| Louisville/Jefferson County, KY-IN | 682 | $ 157,864,000 | $ 231,472 | $ 114,275 |
| Indianapolis-Carmel-Anderson, IN | 669 | $ 149,374,000 | $ 223,279 | $ 123,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 629 | $ 209,617,000 | $ 333,254 | $ 113,912 |
| Cambridge-Newton-Framingham, MA | 502 | $ 164,647,000 | $ 327,982 | $ 139,000 |
| Newark, NJ-PA | 480 | $ 147,858,000 | $ 308,037 | $ 143,700 |
| San Francisco-Redwood City-South San Francisco, CA | 457 | $ 176,971,000 | $ 387,245 | $ 147,000 |
| Raleigh, NC | 433 | $ 109,016,000 | $ 251,769 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 432 | $ 99,252,000 | $ 229,750 | $ 117,000 |
| Stockton-Lodi, CA | 413 | $ 113,029,000 | $ 273,677 | $ 119,000 |
| Hartford-West Hartford-East Hartford, CT | 390 | $ 94,101,000 | $ 241,284 | $ 129,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 387 | $ 107,317,000 | $ 277,304 | $ 112,000 |
| St. Louis, MO-IL | 374 | $ 91,421,000 | $ 244,441 | $ 122,919 |
| Tampa-St. Petersburg-Clearwater, FL | 337 | $ 75,859,000 | $ 225,100 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 333 | $ 111,695,000 | $ 335,420 | $ 112,000 |
| Austin-Round Rock, TX | 319 | $ 84,472,000 | $ 264,802 | $ 125,000 |
| Lexington-Fayette, KY | 306 | $ 61,302,000 | $ 200,333 | $ 103,000 |
| Philadelphia, PA | 299 | $ 77,028,000 | $ 257,618 | $ 112,000 |
| Baltimore-Columbia-Towson, MD | 289 | $ 81,219,000 | $ 281,034 | $ 104,000 |
| Boulder, CO | 287 | $ 88,190,000 | $ 307,282 | $ 132,000 |
| Silver Spring-Frederick-Rockville, MD | 284 | $ 92,670,000 | $ 326,302 | $ 112,000 |
| Lake County-Kenosha County, IL-WI | 280 | $ 81,106,000 | $ 289,664 | $ 151,850 |
| Orlando-Kissimmee-Sanford, FL | 273 | $ 64,128,000 | $ 234,901 | $ 116,000 |
| Pittsburgh, PA | 267 | $ 63,056,000 | $ 236,164 | $ 120,000 |
| Santa Rosa, CA | 258 | $ 83,169,000 | $ 322,360 | $ 122,000 |
| Boston, MA | 257 | $ 81,443,000 | $ 316,898 | $ 131,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 248 | $ 63,460,000 | $ 255,887 | $ 128,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 244 | $ 77,304,000 | $ 316,819 | $ 119,000 |
| Vallejo-Fairfield, CA | 232 | $ 65,896,000 | $ 284,034 | $ 116,000 |
| Tacoma-Lakewood, WA | 224 | $ 56,496,000 | $ 252,214 | $ 118,000 |
| Kansas City, MO-KS | 218 | $ 47,762,000 | $ 219,091 | $ 109,146 |
| Fort Collins, CO | 207 | $ 54,690,000 | $ 264,202 | $ 107,000 |
| Fort Worth-Arlington, TX | 198 | $ 41,497,000 | $ 209,580 | $ 125,000 |
| Colorado Springs, CO | 193 | $ 46,372,000 | $ 240,269 | $ 98,000 |
| Miami-Miami Beach-Kendall, FL | 181 | $ 50,026,000 | $ 276,386 | $ 131,000 |
| Tucson, AZ | 180 | $ 38,778,000 | $ 215,433 | $ 115,000 |
| Camden, NJ | 173 | $ 40,036,000 | $ 231,421 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 172 | $ 54,193,000 | $ 315,075 | $ 150,000 |
| Richmond, VA | 172 | $ 48,159,000 | $ 279,994 | $ 116,000 |
| New Haven-Milford, CT | 158 | $ 40,221,000 | $ 254,563 | $ 133,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 155 | $ 34,010,000 | $ 219,419 | $ 109,522 |
| Greeley, CO | 152 | $ 39,390,000 | $ 259,144 | $ 98,000 |
| Fresno, CA | 148 | $ 33,177,000 | $ 224,168 | $ 103,000 |
| Jacksonville, FL | 147 | $ 36,853,000 | $ 250,700 | $ 125,000 |
| Detroit-Dearborn-Livonia, MI | 124 | $ 30,034,000 | $ 242,209 | $ 120,000 |
| Modesto, CA | 123 | $ 27,306,000 | $ 222,000 | $ 100,000 |
| St. George, UT | 122 | $ 26,132,000 | $ 214,196 | $ 95,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 113 | $ 27,937,000 | $ 247,230 | $ 109,000 |
| Santa Cruz-Watsonville, CA | 113 | $ 40,423,000 | $ 357,725 | $ 146,000 |
| Cincinnati, OH-KY-IN | 112 | $ 24,061,000 | $ 214,830 | $ 118,928 |
| Reno, NV | 100 | $ 24,615,000 | $ 246,150 | $ 98,000 |
| Spokane-Spokane Valley, WA | 100 | $ 22,723,000 | $ 227,230 | $ 113,000 |
| Tulsa, OK | 97 | $ 20,650,000 | $ 212,886 | $ 130,000 |
| Worcester, MA-CT | 97 | $ 27,280,000 | $ 281,237 | $ 134,092 |
| Cape Coral-Fort Myers, FL | 87 | $ 21,083,000 | $ 242,333 | $ 130,000 |
| Santa Maria-Santa Barbara, CA | 87 | $ 28,971,000 | $ 333,000 | $ 124,000 |
| Urban Honolulu, HI | 85 | $ 37,508,000 | $ 441,270 | $ 135,000 |
| San Rafael, CA | 84 | $ 29,703,000 | $ 353,607 | $ 150,000 |
| Eugene, OR | 83 | $ 18,769,000 | $ 226,132 | $ 116,000 |
| North Port-Sarasota-Bradenton, FL | 82 | $ 19,402,000 | $ 236,609 | $ 104,000 |
| Salinas, CA | 82 | $ 22,578,000 | $ 275,341 | $ 125,000 |
| Oklahoma City, OK | 80 | $ 17,162,000 | $ 214,525 | $ 114,000 |
| Trenton, NJ | 80 | $ 22,369,000 | $ 279,612 | $ 151,000 |
| Olympia-Tumwater, WA | 75 | $ 19,058,000 | $ 254,106 | $ 119,000 |
| Bakersfield, CA | 74 | $ 15,975,000 | $ 215,878 | $ 100,000 |
| Boise City, ID | 73 | $ 15,682,000 | $ 214,821 | $ 97,000 |
| Elgin, IL | 73 | $ 17,428,000 | $ 238,739 | $ 129,000 |
| Napa, CA | 73 | $ 23,522,000 | $ 322,219 | $ 114,000 |
| Bend-Redmond, OR | 71 | $ 17,838,000 | $ 251,239 | $ 124,000 |
| Columbus, OH | 70 | $ 16,556,000 | $ 236,514 | $ 137,000 |
| Durham-Chapel Hill, NC | 70 | $ 17,410,000 | $ 248,714 | $ 127,000 |
| Las Vegas-Henderson-Paradise, NV | 66 | $ 15,632,000 | $ 236,848 | $ 94,000 |
| Kennewick-Richland, WA | 65 | $ 15,505,000 | $ 238,538 | $ 134,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 64 | $ 15,118,000 | $ 236,218 | $ 109,500 |
| San Antonio-New Braunfels, TX | 63 | $ 15,637,000 | $ 248,206 | $ 125,000 |
| Logan, UT-ID | 62 | $ 13,189,000 | $ 212,725 | $ 79,000 |
| Bellingham, WA | 60 | $ 16,107,000 | $ 268,450 | $ 106,000 |
| Providence-Warwick, RI-MA | 57 | $ 13,930,000 | $ 244,385 | $ 106,000 |
| Salem, OR | 57 | $ 13,655,000 | $ 239,561 | $ 92,000 |
| Charlottesville, VA | 55 | $ 13,426,000 | $ 244,109 | $ 121,000 |
| Yakima, WA | 55 | $ 12,680,000 | $ 230,545 | $ 131,000 |
| Lancaster, PA | 54 | $ 11,692,000 | $ 216,518 | $ 94,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 53 | $ 10,062,000 | $ 189,849 | $ 96,000 |
| Greensboro-High Point, NC | 53 | $ 12,234,000 | $ 230,830 | $ 140,000 |
| Prescott, AZ | 52 | $ 11,262,000 | $ 216,576 | $ 102,000 |
| Cleveland-Elyria, OH | 51 | $ 9,274,000 | $ 181,843 | $ 130,000 |
| Harrisburg-Carlisle, PA | 51 | $ 11,586,000 | $ 227,176 | $ 104,000 |
| Naples-Immokalee-Marco Island, FL | 51 | $ 14,733,000 | $ 288,882 | $ 158,000 |
| Greenville-Anderson-Mauldin, SC | 50 | $ 11,990,000 | $ 239,800 | $ 133,000 |
| Rochester, MN | 49 | $ 11,109,000 | $ 226,714 | $ 116,000 |
| Bremerton-Silverdale, WA | 48 | $ 13,370,000 | $ 278,541 | $ 124,000 |
| Chico, CA | 48 | $ 11,225,000 | $ 233,854 | $ 117,000 |
| Milwaukee-Waukesha-West Allis, WI | 47 | $ 11,184,000 | $ 237,957 | $ 105,000 |
| Ann Arbor, MI | 46 | $ 11,390,000 | $ 247,608 | $ 118,000 |
| Palm Bay-Melbourne-Titusville, FL | 45 | $ 9,624,000 | $ 213,866 | $ 130,000 |
| Redding, CA | 45 | $ 9,488,000 | $ 210,844 | $ 113,000 |
| Merced, CA | 43 | $ 8,548,000 | $ 198,790 | $ 95,000 |
| Yuba City, CA | 41 | $ 8,139,000 | $ 198,512 | $ 89,000 |
| Norwich-New London, CT | 40 | $ 9,380,000 | $ 234,500 | $ 103,000 |
| Wilmington, NC | 37 | $ 9,533,000 | $ 257,648 | $ 109,000 |
| Flagstaff, AZ | 36 | $ 8,873,000 | $ 246,472 | $ 135,000 |
| Visalia-Porterville, CA | 36 | $ 7,640,000 | $ 212,222 | $ 121,000 |
| Asheville, NC | 35 | $ 7,327,000 | $ 209,342 | $ 82,000 |
| Gainesville, FL | 35 | $ 7,201,000 | $ 205,742 | $ 100,000 |
| Medford, OR | 34 | $ 8,856,000 | $ 260,470 | $ 125,000 |
| Barnstable Town, MA | 33 | $ 8,041,000 | $ 243,666 | $ 150,000 |
| Port St. Lucie, FL | 32 | $ 7,836,000 | $ 244,875 | $ 119,000 |
| Gainesville, GA | 31 | $ 7,464,000 | $ 240,774 | $ 121,000 |
| Charleston-North Charleston, SC | 28 | $ 7,445,000 | $ 265,892 | $ 120,000 |
| Wenatchee, WA | 25 | $ 7,114,000 | $ 284,560 | $ 132,000 |
| Winston-Salem, NC | 25 | $ 5,079,000 | $ 203,160 | $ 116,000 |
| Gary, IN | 24 | $ 5,083,000 | $ 211,791 | $ 91,000 |
| Augusta-Richmond County, GA-SC | 22 | $ 4,129,000 | $ 187,681 | $ 89,909 |
| Memphis, TN-MS-AR | 22 | $ 5,933,000 | $ 269,681 | $ 133,000 |
| York-Hanover, PA | 22 | $ 4,677,000 | $ 212,590 | $ 103,000 |
| Knoxville, TN | 21 | $ 3,903,000 | $ 185,857 | $ 86,000 |
| Lakeland-Winter Haven, FL | 21 | $ 3,413,000 | $ 162,523 | $ 86,000 |
| Mount Vernon-Anacortes, WA | 21 | $ 5,618,000 | $ 267,523 | $ 91,000 |
| Reading, PA | 21 | $ 5,064,000 | $ 241,142 | $ 97,000 |
| Corvallis, OR | 20 | $ 5,427,000 | $ 271,350 | $ 133,000 |
| Grand Rapids-Wyoming, MI | 20 | $ 4,057,000 | $ 202,850 | $ 102,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 20 | $ 4,951,000 | $ 247,550 | $ 243,800 |
| Atlantic City-Hammonton, NJ | 19 | $ 3,661,000 | $ 192,684 | $ 92,000 |
| Columbus, IN | 19 | $ 3,741,000 | $ 196,894 | $ 113,000 |
| Lafayette-West Lafayette, IN | 19 | $ 3,883,000 | $ 204,368 | $ 120,000 |
| Columbia, SC | 18 | $ 3,913,000 | $ 217,388 | $ 149,000 |
| Tallahassee, FL | 18 | $ 3,899,000 | $ 216,611 | $ 111,000 |
| Chattanooga, TN-GA | 17 | $ 4,091,000 | $ 240,647 | $ 93,705 |
| Springfield, MA | 17 | $ 3,733,000 | $ 219,588 | $ 101,000 |
| Madera, CA | 16 | $ 3,114,000 | $ 194,625 | $ 99,000 |
| Ocala, FL | 15 | $ 3,042,000 | $ 202,800 | $ 113,000 |
| Ocean City, NJ | 15 | $ 4,242,000 | $ 282,800 | $ 179,000 |
| Athens-Clarke County, GA | 14 | $ 3,643,000 | $ 260,214 | $ 101,000 |
| Grand Junction, CO | 14 | $ 2,738,000 | $ 195,571 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 14 | $ 2,737,000 | $ 195,500 | $ 116,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 3,369,000 | $ 240,642 | $ 149,714 |
| Coeur D'Alene, ID | 13 | $ 2,945,000 | $ 226,538 | $ 79,000 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 3,431,000 | $ 263,923 | $ 116,000 |
| El Centro, CA | 13 | $ 2,374,000 | $ 182,615 | $ 72,000 |
| Kahului-Wailuku-Lahaina, HI | 13 | $ 6,070,000 | $ 466,923 | $ 159,000 |
| Savannah, GA | 13 | $ 3,488,000 | $ 268,307 | $ 187,000 |
| Elizabethtown-Fort Knox, KY | 12 | $ 2,326,000 | $ 193,833 | $ 88,000 |
| Punta Gorda, FL | 12 | $ 3,131,000 | $ 260,916 | $ 156,000 |
| State College, PA | 12 | $ 2,757,000 | $ 229,750 | $ 106,000 |
| Akron, OH | 11 | $ 1,847,000 | $ 167,909 | $ 129,000 |
| Lansing-East Lansing, MI | 11 | $ 2,192,000 | $ 199,272 | $ 126,000 |
| Spartanburg, SC | 11 | $ 2,191,000 | $ 199,181 | $ 107,000 |
| College Station-Bryan, TX | 10 | $ 1,625,000 | $ 162,500 | $ 102,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 1,813,000 | $ 181,300 | $ 62,000 |
| Lynchburg, VA | 10 | $ 1,883,000 | $ 188,300 | $ 137,000 |
| Roanoke, VA | 10 | $ 1,962,000 | $ 196,200 | $ 90,000 |
| The Villages, FL | 10 | $ 2,148,000 | $ 214,800 | $ 103,000 |
| Albany, OR | 9 | $ 1,694,000 | $ 188,222 | $ 87,000 |
| California-Lexington Park, MD | 9 | $ 2,165,000 | $ 240,555 | $ 118,000 |
| Grants Pass, OR | 9 | $ 1,655,000 | $ 183,888 | $ 69,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 2,010,000 | $ 223,333 | $ 220,000 |
| Peoria, IL | 9 | $ 2,119,000 | $ 235,444 | $ 133,000 |
| Sebastian-Vero Beach, FL | 9 | $ 2,042,000 | $ 226,888 | $ 111,000 |
| Staunton-Waynesboro, VA | 9 | $ 1,546,000 | $ 171,777 | $ 68,000 |
| Topeka, KS | 9 | $ 1,316,000 | $ 146,222 | $ 89,000 |
| Warner Robins, GA | 9 | $ 1,918,000 | $ 213,111 | $ 109,000 |
| Bloomington, IN | 8 | $ 2,108,000 | $ 263,500 | $ 406,000 |
| Johnson City, TN | 8 | $ 1,242,000 | $ 155,250 | $ 116,000 |
| Lubbock, TX | 8 | $ 1,481,000 | $ 185,125 | $ 86,000 |
| Duluth, MN-WI | 7 | $ 1,776,000 | $ 253,714 | $ 109,000 |
| Erie, PA | 7 | $ 1,294,000 | $ 184,857 | $ 113,000 |
| Fort Wayne, IN | 7 | $ 1,179,000 | $ 168,428 | $ 108,000 |
| Hanford-Corcoran, CA | 7 | $ 1,298,000 | $ 185,428 | $ 112,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 1,182,000 | $ 168,857 | $ 68,000 |
| Panama City, FL | 7 | $ 1,395,000 | $ 199,285 | $ 98,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 7 | $ 1,021,000 | $ 145,857 | $ 49,000 |
| Tyler, TX | 7 | $ 1,209,000 | $ 172,714 | $ 167,000 |
| Battle Creek, MI | 6 | $ 1,026,000 | $ 171,000 | $ 216,000 |
| Canton-Massillon, OH | 6 | $ 730,000 | $ 121,666 | $ 95,000 |
| Carson City, NV | 6 | $ 1,481,000 | $ 246,833 | $ 76,000 |
| Champaign-Urbana, IL | 6 | $ 1,099,000 | $ 183,166 | $ 120,000 |
| East Stroudsburg, PA | 6 | $ 978,000 | $ 163,000 | $ 201,000 |
| Gettysburg, PA | 6 | $ 1,077,000 | $ 179,500 | $ 54,000 |
| Madison, WI | 6 | $ 1,024,000 | $ 170,666 | $ 103,000 |
| Midland, MI | 6 | $ 1,327,000 | $ 221,166 | $ 126,000 |
| Pueblo, CO | 6 | $ 1,059,000 | $ 176,500 | $ 92,000 |
| Salisbury, MD-DE | 6 | $ 1,231,000 | $ 205,166 | $ 122,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 1,098,000 | $ 183,000 | $ 62,000 |
| Walla Walla, WA | 6 | $ 1,845,000 | $ 307,500 | $ 159,000 |
| Yuma, AZ | 6 | $ 821,000 | $ 136,833 | $ 77,000 |
| Bowling Green, KY | 5 | $ 859,000 | $ 171,800 | $ 123,000 |
| Corpus Christi, TX | 5 | $ 1,113,000 | $ 222,600 | $ 136,000 |
| Dayton, OH | 5 | $ 1,004,000 | $ 200,800 | $ 105,000 |
| El Paso, TX | 5 | $ 910,000 | $ 182,000 | $ 108,000 |
| Evansville, IN-KY | 5 | $ 1,201,000 | $ 240,200 | $ 108,600 |
| Flint, MI | 5 | $ 1,287,000 | $ 257,400 | $ 111,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 1,340,000 | $ 268,000 | $ 118,000 |
| Kalamazoo-Portage, MI | 5 | $ 1,154,000 | $ 230,800 | $ 111,000 |
| St. Joseph, MO-KS | 5 | $ 1,038,000 | $ 207,600 | $ 121,000 |
| Terre Haute, IN | 5 | $ 1,242,000 | $ 248,400 | $ 199,000 |
| Vineland-Bridgeton, NJ | 5 | $ 1,093,000 | $ 218,600 | $ 177,000 |
| Bloomington, IL | 4 | $ 1,053,000 | $ 263,250 | $ 117,000 |
| Bloomsburg-Berwick, PA | 4 | $ 655,000 | $ 163,750 | $ 90,000 |
| Cleveland, TN | 4 | $ 927,000 | $ 231,750 | $ 74,000 |
| Columbus, GA-AL | 4 | $ 929,000 | $ 232,250 | $ 97,000 |
| Greenville, NC | 4 | $ 772,000 | $ 193,000 | $ 88,000 |
| Homosassa Springs, FL | 4 | $ 710,000 | $ 177,500 | $ 75,000 |
| Kankakee, IL | 4 | $ 949,000 | $ 237,250 | $ 121,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,067,000 | $ 266,750 | $ 207,000 |
| Niles-Benton Harbor, MI | 4 | $ 939,000 | $ 234,750 | $ 81,000 |
| Owensboro, KY | 4 | $ 676,000 | $ 169,000 | $ 64,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 536,000 | $ 178,666 | $ 101,000 |
| Elkhart-Goshen, IN | 3 | $ 652,000 | $ 217,333 | $ 106,000 |
| Jackson, MI | 3 | $ 398,000 | $ 132,666 | $ 121,000 |
| Jacksonville, NC | 3 | $ 748,000 | $ 249,333 | $ 202,000 |
| Killeen-Temple, TX | 3 | $ 796,000 | $ 265,333 | $ 137,000 |
| Kokomo, IN | 3 | $ 425,000 | $ 141,666 | $ 114,000 |
| Lebanon, PA | 3 | $ 410,000 | $ 136,666 | $ 103,000 |
| Muncie, IN | 3 | $ 761,000 | $ 253,666 | $ 141,000 |
| New Bern, NC | 3 | $ 323,000 | $ 107,666 | $ 54,000 |
| Rockford, IL | 3 | $ 430,000 | $ 143,333 | $ 234,000 |
| Springfield, MO | 3 | $ 773,000 | $ 257,666 | $ 128,000 |
| Wilmington, DE-MD-NJ | 3 | $ 613,000 | $ 204,333 | $ 49,000 |
| Beaumont-Port Arthur, TX | 2 | $ 301,000 | $ 150,500 | $ 99,000 |
| Brunswick, GA | 2 | $ 760,000 | $ 380,000 | $ 146,000 |
| Burlington, NC | 2 | $ 284,000 | $ 142,000 | $ 86,000 |
| Columbia, MO | 2 | $ 434,000 | $ 217,000 | $ 181,000 |
| Cumberland, MD-WV | 2 | $ 324,000 | $ 162,000 | $ 60,000 |
| Eau Claire, WI | 2 | $ 480,000 | $ 240,000 | $ 35,000 |
| Florence, SC | 2 | $ 276,000 | $ 138,000 | $ 89,000 |
| Fort Smith, AR-OK | 2 | $ 255,000 | $ 127,500 | $ 143,000 |
| Goldsboro, NC | 2 | $ 257,000 | $ 128,500 | $ 79,000 |
| Harrisonburg, VA | 2 | $ 473,000 | $ 236,500 | $ 97,000 |
| Hinesville, GA | 2 | $ 464,000 | $ 232,000 | $ 118,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 407,000 | $ 203,500 | $ 165,000 |
| Idaho Falls, ID | 2 | $ 484,000 | $ 242,000 | $ 78,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 466,000 | $ 233,000 | $ 124,500 |
| Laredo, TX | 2 | $ 188,000 | $ 94,000 | $ 92,000 |
| Lewiston, ID-WA | 2 | $ 471,000 | $ 235,500 | $ 128,500 |
| Longview, WA | 2 | $ 430,000 | $ 215,000 | $ 80,000 |
| Mansfield, OH | 2 | $ 368,000 | $ 184,000 | $ 120,000 |
| Monroe, MI | 2 | $ 277,000 | $ 138,500 | $ 73,000 |
| Morristown, TN | 2 | $ 489,000 | $ 244,500 | $ 163,000 |
| Rome, GA | 2 | $ 355,000 | $ 177,500 | $ 88,000 |
| Saginaw, MI | 2 | $ 400,000 | $ 200,000 | $ 140,000 |
| Sherman-Denison, TX | 2 | $ 213,000 | $ 106,500 | $ 84,000 |
| Sumter, SC | 2 | $ 416,000 | $ 208,000 | $ 140,000 |
| Victoria, TX | 2 | $ 252,000 | $ 126,000 | $ 77,000 |
| Winchester, VA-WV | 2 | $ 411,000 | $ 205,500 | $ 96,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 475,000 | $ 237,500 | $ 92,000 |
| Abilene, TX | 1 | $ 243,000 | $ 243,000 | $ 100,000 |
| Albany, GA | 1 | $ 132,000 | $ 132,000 | $ 53,000 |
| Altoona, PA | 1 | $ 240,000 | $ 240,000 | $ 150,000 |
| Amarillo, TX | 1 | $ 180,000 | $ 180,000 | $ 143,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 259,000 | $ 259,000 | $ 0 |
| Carbondale-Marion, IL | 1 | $ 176,000 | $ 176,000 | $ 138,000 |
| Clarksville, TN-KY | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Danville, IL | 1 | $ 320,000 | $ 320,000 | $ 143,000 |
| Decatur, IL | 1 | $ 147,000 | $ 147,000 | $ 61,000 |
| Fayetteville, NC | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Johnstown, PA | 1 | $ 142,000 | $ 142,000 | $ 96,000 |
| Joplin, MO | 1 | $ 122,000 | $ 122,000 | $ 90,000 |
| Lawton, OK | 1 | $ 95,000 | $ 95,000 | $ 107,000 |
| Longview, TX | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Macon, GA | 1 | $ 400,000 | $ 400,000 | $ 169,000 |
| Mankato-North Mankato, MN | 1 | $ 136,000 | $ 136,000 | $ 76,000 |
| New Orleans-Metairie, LA | 1 | $ 7,000 | $ 7,000 | $ 0 |
| Pocatello, ID | 1 | $ 358,000 | $ 358,000 | $ 135,000 |
| Rocky Mount, NC | 1 | $ 206,000 | $ 206,000 | $ 55,000 |
| Springfield, IL | 1 | $ 237,000 | $ 237,000 | $ 214,000 |
| Springfield, OH | 1 | $ 174,000 | $ 174,000 | $ 103,000 |
| St. Cloud, MN | 1 | $ 96,000 | $ 96,000 | $ 208,000 |
| Toledo, OH | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| Valdosta, GA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Waco, TX | 1 | $ 190,000 | $ 190,000 | $ 128,000 |
| Wichita Falls, TX | 1 | $ 281,000 | $ 281,000 | $ 88,000 |
| Wichita, KS | 1 | $ 104,000 | $ 104,000 | $ 78,000 |
| Williamsport, PA | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2016
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 | 43,807 | $12,353,458,000 | $281,000 | $825,000 | $120,000 | $3,000,000 |
| Home Purchase | 9,044 | $2,540,139,000 | $280,000 | $1,036,000 | $125,000 | $9,999,000 |
| Home Improvement | 2,857 | $809,396,000 | $283,000 | $870,000 | $111,000 | $609,000 |
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 | 28,798 | $7,879,441,000 | $273,000 | $1,036,000 | $122,000 | $9,999,000 |
| Asian | 14,508 | $4,426,019,000 | $305,000 | $938,000 | $138,000 | $1,680,000 |
| Not Provided | 7,067 | $1,873,394,000 | $265,000 | $900,000 | $124,000 | $2,316,000 |
| Not applicable | 2,366 | $696,895,000 | $294,000 | $801,000 | $0 | $0 |
| Hispanic | 2,133 | $593,119,000 | $278,000 | $685,000 | $110,000 | $1,068,000 |
| Black or African American | 520 | $138,987,000 | $267,000 | $626,000 | $111,000 | $937,000 |
| Native Hawaiin or Other Pacific Islander | 206 | $64,817,000 | $314,000 | $626,000 | $123,000 | $488,000 |
| American Indian or Alaskan Native | 110 | $30,321,000 | $275,000 | $520,000 | $123,000 | $465,000 |
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) | 55,650 | $15,689,871,000 | $281,000 | $1,036,000 | $121,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 58 | $13,122,000 | $226,000 | $397,000 | $56,000 | $155,000 |
| 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 | 40,150 | $11,278,309,000 | $280,000 | $825,000 | $125,000 | $1,608,000 |
| File Closed For Incompleteness | 7,074 | $2,029,173,000 | $286,000 | $938,000 | $133,000 | $9,999,000 |
| Application Withdrawn By Applicant | 3,887 | $1,069,062,000 | $275,000 | $1,036,000 | $127,000 | $983,000 |
| Loan Purchased By The Institution | 2,366 | $696,895,000 | $294,000 | $801,000 | $0 | $0 |
| Application Denied By Financial Institution | 1,786 | $496,820,000 | $278,000 | $870,000 | $105,000 | $684,000 |
| Application Approved But Not Accepted | 445 | $132,734,000 | $298,000 | $625,000 | $124,000 | $502,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 705 | $204,212,000 | $289,000 | $870,000 | $123,000 | $476,000 |
| Debt-To-Income Ratio | 514 | $143,006,000 | $278,000 | $650,000 | $75,000 | $384,000 |
| Credit History | 323 | $84,209,000 | $260,000 | $800,000 | $110,000 | $684,000 |
| Other | 108 | $28,780,000 | $266,000 | $584,000 | $134,000 | $489,000 |
| Employment History | 63 | $18,272,000 | $290,000 | $600,000 | $86,000 | $350,000 |
| Unverifiable Information | 33 | $8,215,000 | $248,000 | $405,000 | $80,000 | $195,000 |
| Mortgage Insurance Denied | 14 | $3,660,000 | $261,000 | $417,000 | $120,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,368,000 | $280,000 | $514,000 | $88,000 | $176,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2016 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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