Provident Funding Associates Mortgage Lending & HMDA Data, 2018
In 2018, Provident Funding Associates of Santa Rosa, CA reported 40,263 mortgage applications totaling $11.9 billion, up 19% from 2017. The average application was for $295,087, and applicants reported an average income of $130,349. 51% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (2,396), Atlanta-Sandy Springs-Roswell, GA (1,562) and Phoenix-Mesa-Scottsdale, AZ (1,515) (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 | 40,263 |
| Total Mortgage Loan Application Amount | $11,881,115,000 |
| Average Mortgage Loan Application Amount | $295,087 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $130,349 |
| 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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Lakewood, CO | 2,396 | $ 805,840,000 | $ 336,327 | $ 136,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,562 | $ 424,520,000 | $ 271,779 | $ 128,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,515 | $ 405,795,000 | $ 267,851 | $ 125,000 |
| Outside any metro area | 1,437 | $ 366,065,000 | $ 254,742 | $ 127,939 |
| Dallas-Plano-Irving, TX | 1,403 | $ 412,915,000 | $ 294,308 | $ 144,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,249 | $ 402,115,000 | $ 321,949 | $ 133,000 |
| Salt Lake City, UT | 1,177 | $ 345,655,000 | $ 293,674 | $ 106,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,107 | $ 288,095,000 | $ 260,248 | $ 130,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1,074 | $ 355,280,000 | $ 330,800 | $ 131,811 |
| Seattle-Bellevue-Everett, WA | 929 | $ 371,705,000 | $ 400,113 | $ 154,000 |
| Los Angeles-Long Beach-Glendale, CA | 895 | $ 350,885,000 | $ 392,050 | $ 143,000 |
| San Diego-Carlsbad, CA | 817 | $ 335,495,000 | $ 410,642 | $ 140,000 |
| Chicago-Naperville-Arlington Heights, IL | 774 | $ 213,040,000 | $ 275,245 | $ 128,000 |
| Oakland-Hayward-Berkeley, CA | 772 | $ 335,640,000 | $ 434,766 | $ 164,000 |
| Provo-Orem, UT | 745 | $ 212,785,000 | $ 285,617 | $ 102,000 |
| Ogden-Clearfield, UT | 728 | $ 192,670,000 | $ 264,656 | $ 97,000 |
| Montgomery County-Bucks County-Chester County, PA | 720 | $ 210,770,000 | $ 292,736 | $ 134,000 |
| Charlotte-Concord-Gastonia, NC-SC | 671 | $ 165,875,000 | $ 247,205 | $ 121,886 |
| San Jose-Sunnyvale-Santa Clara, CA | 662 | $ 307,580,000 | $ 464,622 | $ 182,000 |
| Riverside-San Bernardino-Ontario, CA | 656 | $ 199,700,000 | $ 304,420 | $ 127,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 646 | $ 167,280,000 | $ 258,947 | $ 119,000 |
| New York-Jersey City-White Plains, NY-NJ | 614 | $ 198,510,000 | $ 323,306 | $ 143,000 |
| Louisville/Jefferson County, KY-IN | 595 | $ 139,245,000 | $ 234,025 | $ 106,865 |
| Indianapolis-Carmel-Anderson, IN | 518 | $ 122,920,000 | $ 237,297 | $ 117,000 |
| Fort Worth-Arlington, TX | 507 | $ 120,165,000 | $ 237,011 | $ 150,000 |
| Austin-Round Rock, TX | 478 | $ 140,110,000 | $ 293,117 | $ 155,000 |
| San Antonio-New Braunfels, TX | 475 | $ 117,205,000 | $ 246,747 | $ 121,000 |
| Anaheim-Santa Ana-Irvine, CA | 472 | $ 205,310,000 | $ 434,978 | $ 141,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 449 | $ 158,245,000 | $ 352,438 | $ 148,485 |
| Tampa-St. Petersburg-Clearwater, FL | 378 | $ 93,300,000 | $ 246,825 | $ 123,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 364 | $ 78,570,000 | $ 215,851 | $ 116,357 |
| Raleigh, NC | 360 | $ 94,370,000 | $ 262,138 | $ 137,000 |
| Newark, NJ-PA | 354 | $ 115,030,000 | $ 324,943 | $ 145,703 |
| Philadelphia, PA | 336 | $ 87,550,000 | $ 260,565 | $ 128,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 319 | $ 88,315,000 | $ 276,849 | $ 123,000 |
| Pittsburgh, PA | 310 | $ 74,690,000 | $ 240,935 | $ 118,000 |
| Warren-Troy-Farmington Hills, MI | 280 | $ 70,650,000 | $ 252,321 | $ 121,000 |
| Cambridge-Newton-Framingham, MA | 270 | $ 97,360,000 | $ 360,592 | $ 134,000 |
| Orlando-Kissimmee-Sanford, FL | 263 | $ 68,435,000 | $ 260,209 | $ 120,000 |
| Hartford-West Hartford-East Hartford, CT | 258 | $ 59,540,000 | $ 230,775 | $ 120,000 |
| Lexington-Fayette, KY | 248 | $ 50,550,000 | $ 203,830 | $ 102,000 |
| St. Louis, MO-IL | 246 | $ 62,130,000 | $ 252,560 | $ 118,000 |
| Colorado Springs, CO | 225 | $ 61,285,000 | $ 272,377 | $ 119,000 |
| Boston, MA | 224 | $ 79,290,000 | $ 353,973 | $ 142,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 221 | $ 68,725,000 | $ 310,972 | $ 129,000 |
| Boulder, CO | 218 | $ 78,530,000 | $ 360,229 | $ 138,000 |
| Kansas City, MO-KS | 213 | $ 52,595,000 | $ 246,924 | $ 115,896 |
| Cincinnati, OH-KY-IN | 209 | $ 43,195,000 | $ 206,674 | $ 108,712 |
| Baltimore-Columbia-Towson, MD | 196 | $ 56,380,000 | $ 287,653 | $ 146,000 |
| Jacksonville, FL | 181 | $ 47,085,000 | $ 260,138 | $ 127,000 |
| Stockton-Lodi, CA | 180 | $ 57,680,000 | $ 320,444 | $ 125,000 |
| Tacoma-Lakewood, WA | 172 | $ 52,340,000 | $ 304,302 | $ 126,000 |
| Tucson, AZ | 172 | $ 38,180,000 | $ 221,976 | $ 135,000 |
| Camden, NJ | 170 | $ 38,410,000 | $ 225,941 | $ 125,000 |
| Greeley, CO | 164 | $ 46,440,000 | $ 283,170 | $ 118,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 162 | $ 49,400,000 | $ 304,938 | $ 135,000 |
| Miami-Miami Beach-Kendall, FL | 158 | $ 52,500,000 | $ 332,278 | $ 152,000 |
| Columbus, OH | 154 | $ 34,800,000 | $ 225,974 | $ 109,000 |
| New Haven-Milford, CT | 153 | $ 39,985,000 | $ 261,339 | $ 122,000 |
| San Francisco-Redwood City-South San Francisco, CA | 152 | $ 76,920,000 | $ 506,052 | $ 175,000 |
| Fort Collins, CO | 151 | $ 45,765,000 | $ 303,079 | $ 110,000 |
| Lake County-Kenosha County, IL-WI | 149 | $ 42,115,000 | $ 282,651 | $ 147,416 |
| St. George, UT | 148 | $ 38,690,000 | $ 261,418 | $ 121,000 |
| Silver Spring-Frederick-Rockville, MD | 142 | $ 48,210,000 | $ 339,507 | $ 148,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 141 | $ 52,185,000 | $ 370,106 | $ 125,000 |
| Richmond, VA | 133 | $ 36,445,000 | $ 274,022 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 126 | $ 39,190,000 | $ 311,031 | $ 137,000 |
| Savannah, GA | 126 | $ 28,350,000 | $ 225,000 | $ 74,000 |
| Milwaukee-Waukesha-West Allis, WI | 124 | $ 29,970,000 | $ 241,693 | $ 94,000 |
| Santa Rosa, CA | 124 | $ 47,970,000 | $ 386,854 | $ 135,000 |
| Oklahoma City, OK | 116 | $ 21,480,000 | $ 185,172 | $ 138,000 |
| Charleston-North Charleston, SC | 113 | $ 29,925,000 | $ 264,823 | $ 117,000 |
| Fresno, CA | 113 | $ 28,365,000 | $ 251,017 | $ 122,000 |
| Gainesville, FL | 108 | $ 22,830,000 | $ 211,388 | $ 98,000 |
| Vallejo-Fairfield, CA | 104 | $ 34,690,000 | $ 333,557 | $ 116,000 |
| Las Vegas-Henderson-Paradise, NV | 100 | $ 24,840,000 | $ 248,400 | $ 91,000 |
| Cape Coral-Fort Myers, FL | 96 | $ 25,880,000 | $ 269,583 | $ 125,000 |
| Grand Junction, CO | 94 | $ 26,460,000 | $ 281,489 | $ 100,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 94 | $ 33,450,000 | $ 355,851 | $ 138,000 |
| Bakersfield, CA | 93 | $ 24,695,000 | $ 265,537 | $ 225,000 |
| Greensboro-High Point, NC | 92 | $ 21,510,000 | $ 233,804 | $ 150,000 |
| Reno, NV | 84 | $ 24,350,000 | $ 289,880 | $ 101,000 |
| Greenville-Anderson-Mauldin, SC | 81 | $ 18,225,000 | $ 225,000 | $ 112,000 |
| Salem, OR | 79 | $ 20,605,000 | $ 260,822 | $ 112,000 |
| Worcester, MA-CT | 79 | $ 22,045,000 | $ 279,050 | $ 123,481 |
| Durham-Chapel Hill, NC | 78 | $ 19,670,000 | $ 252,179 | $ 120,000 |
| Detroit-Dearborn-Livonia, MI | 73 | $ 16,835,000 | $ 230,616 | $ 117,000 |
| Elgin, IL | 70 | $ 17,460,000 | $ 249,428 | $ 112,000 |
| Modesto, CA | 70 | $ 16,880,000 | $ 241,142 | $ 91,000 |
| Tulsa, OK | 70 | $ 15,500,000 | $ 221,428 | $ 134,000 |
| North Port-Sarasota-Bradenton, FL | 69 | $ 19,315,000 | $ 279,927 | $ 131,000 |
| Bend-Redmond, OR | 68 | $ 22,170,000 | $ 326,029 | $ 139,000 |
| Cleveland-Elyria, OH | 67 | $ 14,465,000 | $ 215,895 | $ 145,000 |
| Eugene, OR | 61 | $ 14,705,000 | $ 241,065 | $ 116,000 |
| Salinas, CA | 60 | $ 23,760,000 | $ 396,000 | $ 129,000 |
| Palm Bay-Melbourne-Titusville, FL | 59 | $ 15,305,000 | $ 259,406 | $ 121,000 |
| Olympia-Tumwater, WA | 58 | $ 14,760,000 | $ 254,482 | $ 121,000 |
| Santa Cruz-Watsonville, CA | 56 | $ 22,810,000 | $ 407,321 | $ 133,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 56 | $ 13,890,000 | $ 248,035 | $ 149,857 |
| Redding, CA | 55 | $ 12,985,000 | $ 236,090 | $ 96,000 |
| Columbia, SC | 50 | $ 11,980,000 | $ 239,600 | $ 124,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 50 | $ 10,250,000 | $ 205,000 | $ 95,000 |
| Logan, UT-ID | 50 | $ 10,990,000 | $ 219,800 | $ 90,020 |
| Santa Maria-Santa Barbara, CA | 48 | $ 17,020,000 | $ 354,583 | $ 136,000 |
| Trenton, NJ | 48 | $ 13,610,000 | $ 283,541 | $ 169,000 |
| Bremerton-Silverdale, WA | 46 | $ 12,850,000 | $ 279,347 | $ 124,000 |
| Harrisburg-Carlisle, PA | 46 | $ 10,280,000 | $ 223,478 | $ 115,000 |
| Knoxville, TN | 46 | $ 12,460,000 | $ 270,869 | $ 119,000 |
| Providence-Warwick, RI-MA | 46 | $ 12,870,000 | $ 279,782 | $ 110,000 |
| Prescott, AZ | 45 | $ 12,085,000 | $ 268,555 | $ 116,000 |
| San Rafael, CA | 45 | $ 24,225,000 | $ 538,333 | $ 168,000 |
| Birmingham-Hoover, AL | 42 | $ 8,760,000 | $ 208,571 | $ 0 |
| Chico, CA | 42 | $ 10,560,000 | $ 251,428 | $ 101,000 |
| Memphis, TN-MS-AR | 42 | $ 9,010,000 | $ 214,523 | $ 124,000 |
| Urban Honolulu, HI | 41 | $ 18,095,000 | $ 441,341 | $ 122,000 |
| Kennewick-Richland, WA | 40 | $ 9,820,000 | $ 245,500 | $ 106,000 |
| Naples-Immokalee-Marco Island, FL | 40 | $ 11,640,000 | $ 291,000 | $ 166,000 |
| Reading, PA | 40 | $ 9,090,000 | $ 227,250 | $ 142,000 |
| Asheville, NC | 39 | $ 10,535,000 | $ 270,128 | $ 103,000 |
| Huntsville, AL | 38 | $ 7,020,000 | $ 184,736 | $ 0 |
| Wilmington, DE-MD-NJ | 38 | $ 10,000,000 | $ 263,157 | $ 109,500 |
| Winston-Salem, NC | 38 | $ 7,380,000 | $ 194,210 | $ 108,000 |
| College Station-Bryan, TX | 37 | $ 8,865,000 | $ 239,594 | $ 163,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 37 | $ 8,145,000 | $ 220,135 | $ 135,108 |
| Wilmington, NC | 37 | $ 9,205,000 | $ 248,783 | $ 107,000 |
| Charlottesville, VA | 36 | $ 10,250,000 | $ 284,722 | $ 119,000 |
| Merced, CA | 36 | $ 8,720,000 | $ 242,222 | $ 118,000 |
| Spokane-Spokane Valley, WA | 36 | $ 7,650,000 | $ 212,500 | $ 106,000 |
| Ann Arbor, MI | 35 | $ 8,795,000 | $ 251,285 | $ 133,000 |
| Medford, OR | 35 | $ 9,275,000 | $ 265,000 | $ 111,000 |
| Barnstable Town, MA | 34 | $ 10,250,000 | $ 301,470 | $ 149,000 |
| Flagstaff, AZ | 34 | $ 10,520,000 | $ 309,411 | $ 174,000 |
| Rochester, MN | 33 | $ 8,325,000 | $ 252,272 | $ 128,000 |
| Montgomery, AL | 32 | $ 6,990,000 | $ 218,437 | $ 0 |
| Port St. Lucie, FL | 32 | $ 7,360,000 | $ 230,000 | $ 94,000 |
| Lakeland-Winter Haven, FL | 31 | $ 6,555,000 | $ 211,451 | $ 108,000 |
| Wenatchee, WA | 31 | $ 8,355,000 | $ 269,516 | $ 107,000 |
| Corvallis, OR | 30 | $ 8,570,000 | $ 285,666 | $ 132,000 |
| Napa, CA | 29 | $ 10,825,000 | $ 373,275 | $ 138,000 |
| Visalia-Porterville, CA | 29 | $ 6,285,000 | $ 216,724 | $ 110,000 |
| Spartanburg, SC | 28 | $ 5,210,000 | $ 186,071 | $ 87,000 |
| Boise City, ID | 27 | $ 6,075,000 | $ 225,000 | $ 77,000 |
| Atlantic City-Hammonton, NJ | 26 | $ 5,480,000 | $ 210,769 | $ 106,000 |
| Sherman-Denison, TX | 26 | $ 5,320,000 | $ 204,615 | $ 129,000 |
| Green Bay, WI | 25 | $ 3,935,000 | $ 157,400 | $ 92,000 |
| Lancaster, PA | 25 | $ 5,875,000 | $ 235,000 | $ 113,000 |
| Hickory-Lenoir-Morganton, NC | 24 | $ 3,360,000 | $ 140,000 | $ 86,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 24 | $ 6,940,000 | $ 289,166 | $ 162,000 |
| Bloomington, IN | 23 | $ 4,185,000 | $ 181,956 | $ 72,000 |
| Corpus Christi, TX | 23 | $ 4,855,000 | $ 211,086 | $ 155,000 |
| Norwich-New London, CT | 23 | $ 5,305,000 | $ 230,652 | $ 91,000 |
| Chattanooga, TN-GA | 22 | $ 4,400,000 | $ 200,000 | $ 131,909 |
| East Stroudsburg, PA | 22 | $ 3,480,000 | $ 158,181 | $ 120,000 |
| Ocala, FL | 22 | $ 3,690,000 | $ 167,727 | $ 116,000 |
| New Orleans-Metairie, LA | 21 | $ 5,695,000 | $ 271,190 | $ 0 |
| Roanoke, VA | 21 | $ 3,595,000 | $ 171,190 | $ 108,000 |
| Tyler, TX | 21 | $ 3,355,000 | $ 159,761 | $ 145,000 |
| Manchester-Nashua, NH | 20 | $ 5,670,000 | $ 283,500 | $ 0 |
| Athens-Clarke County, GA | 19 | $ 3,985,000 | $ 209,736 | $ 123,000 |
| Crestview-Fort Walton Beach-Destin, FL | 19 | $ 4,935,000 | $ 259,736 | $ 137,000 |
| El Paso, TX | 19 | $ 4,585,000 | $ 241,315 | $ 91,000 |
| Gary, IN | 19 | $ 3,855,000 | $ 202,894 | $ 99,000 |
| Grand Rapids-Wyoming, MI | 19 | $ 4,845,000 | $ 255,000 | $ 110,000 |
| Yuma, AZ | 19 | $ 3,715,000 | $ 195,526 | $ 119,000 |
| Bellingham, WA | 18 | $ 5,360,000 | $ 297,777 | $ 113,000 |
| Brunswick, GA | 18 | $ 4,790,000 | $ 266,111 | $ 110,000 |
| Gainesville, GA | 18 | $ 4,490,000 | $ 249,444 | $ 118,000 |
| Pensacola-Ferry Pass-Brent, FL | 18 | $ 3,680,000 | $ 204,444 | $ 135,000 |
| Pueblo, CO | 18 | $ 3,560,000 | $ 197,777 | $ 72,000 |
| Rockingham County-Strafford County, NH | 18 | $ 4,640,000 | $ 257,777 | $ 0 |
| York-Hanover, PA | 18 | $ 3,320,000 | $ 184,444 | $ 140,000 |
| Yuba City, CA | 18 | $ 4,200,000 | $ 233,333 | $ 90,000 |
| Lynchburg, VA | 17 | $ 3,435,000 | $ 202,058 | $ 131,000 |
| Punta Gorda, FL | 17 | $ 3,435,000 | $ 202,058 | $ 108,000 |
| Madera, CA | 16 | $ 4,210,000 | $ 263,125 | $ 124,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 16 | $ 3,070,000 | $ 191,875 | $ 136,000 |
| Yakima, WA | 16 | $ 3,750,000 | $ 234,375 | $ 102,000 |
| Akron, OH | 15 | $ 2,935,000 | $ 195,666 | $ 108,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 3,425,000 | $ 228,333 | $ 108,600 |
| Idaho Falls, ID | 15 | $ 3,415,000 | $ 227,666 | $ 113,000 |
| Tallahassee, FL | 15 | $ 3,505,000 | $ 233,666 | $ 167,000 |
| State College, PA | 14 | $ 3,760,000 | $ 268,571 | $ 109,000 |
| Winchester, VA-WV | 14 | $ 3,070,000 | $ 219,285 | $ 113,000 |
| Albany, OR | 13 | $ 3,205,000 | $ 246,538 | $ 92,000 |
| Dayton, OH | 13 | $ 2,575,000 | $ 198,076 | $ 98,000 |
| Homosassa Springs, FL | 13 | $ 1,695,000 | $ 130,384 | $ 79,000 |
| Lake Havasu City-Kingman, AZ | 13 | $ 2,425,000 | $ 186,538 | $ 157,000 |
| Madison, WI | 13 | $ 3,795,000 | $ 291,923 | $ 139,000 |
| Killeen-Temple, TX | 12 | $ 1,960,000 | $ 163,333 | $ 134,000 |
| Mount Vernon-Anacortes, WA | 12 | $ 3,450,000 | $ 287,500 | $ 106,000 |
| Auburn-Opelika, AL | 11 | $ 2,575,000 | $ 234,090 | $ 0 |
| Elizabethtown-Fort Knox, KY | 11 | $ 2,375,000 | $ 215,909 | $ 92,000 |
| Gettysburg, PA | 11 | $ 2,025,000 | $ 184,090 | $ 89,000 |
| Kahului-Wailuku-Lahaina, HI | 11 | $ 5,755,000 | $ 523,181 | $ 119,000 |
| Salisbury, MD-DE | 11 | $ 1,995,000 | $ 181,363 | $ 92,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 1,615,000 | $ 146,818 | $ 78,909 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 2,030,000 | $ 203,000 | $ 125,000 |
| Burlington, NC | 10 | $ 2,130,000 | $ 213,000 | $ 111,000 |
| Lake Charles, LA | 10 | $ 1,720,000 | $ 172,000 | $ 0 |
| Longview, WA | 10 | $ 2,400,000 | $ 240,000 | $ 122,000 |
| Racine, WI | 10 | $ 2,350,000 | $ 235,000 | $ 72,000 |
| Sheboygan, WI | 10 | $ 1,630,000 | $ 163,000 | $ 0 |
| Tuscaloosa, AL | 10 | $ 1,980,000 | $ 198,000 | $ 0 |
| Waco, TX | 10 | $ 1,480,000 | $ 148,000 | $ 212,000 |
| Brownsville-Harlingen, TX | 9 | $ 1,385,000 | $ 153,888 | $ 87,000 |
| Columbus, GA-AL | 9 | $ 2,115,000 | $ 235,000 | $ 82,000 |
| Columbus, IN | 9 | $ 1,705,000 | $ 189,444 | $ 102,000 |
| Fort Wayne, IN | 9 | $ 1,735,000 | $ 192,777 | $ 90,000 |
| Lubbock, TX | 9 | $ 1,835,000 | $ 203,888 | $ 79,000 |
| Ocean City, NJ | 9 | $ 2,525,000 | $ 280,555 | $ 192,000 |
| Sebastian-Vero Beach, FL | 9 | $ 2,715,000 | $ 301,666 | $ 204,000 |
| Springfield, MA | 9 | $ 2,555,000 | $ 283,888 | $ 93,000 |
| Staunton-Waynesboro, VA | 9 | $ 1,945,000 | $ 216,111 | $ 93,000 |
| Canton-Massillon, OH | 8 | $ 1,150,000 | $ 143,750 | $ 98,000 |
| Lansing-East Lansing, MI | 8 | $ 1,630,000 | $ 203,750 | $ 170,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 1,120,000 | $ 140,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,380,000 | $ 172,500 | $ 123,000 |
| The Villages, FL | 8 | $ 1,350,000 | $ 168,750 | $ 76,000 |
| Vineland-Bridgeton, NJ | 8 | $ 1,270,000 | $ 158,750 | $ 119,000 |
| Albuquerque, NM | 7 | $ 1,285,000 | $ 183,571 | $ 0 |
| Appleton, WI | 7 | $ 1,605,000 | $ 229,285 | $ 0 |
| Carson City, NV | 7 | $ 1,885,000 | $ 269,285 | $ 184,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 1,425,000 | $ 203,571 | $ 115,000 |
| Clarksville, TN-KY | 7 | $ 1,605,000 | $ 229,285 | $ 117,857 |
| El Centro, CA | 7 | $ 1,575,000 | $ 225,000 | $ 118,000 |
| Greenville, NC | 7 | $ 1,025,000 | $ 146,428 | $ 95,000 |
| New Bern, NC | 7 | $ 1,455,000 | $ 207,857 | $ 112,000 |
| Springfield, MO | 7 | $ 1,155,000 | $ 165,000 | $ 76,000 |
| Warner Robins, GA | 7 | $ 1,565,000 | $ 223,571 | $ 106,000 |
| Amarillo, TX | 6 | $ 940,000 | $ 156,666 | $ 71,000 |
| California-Lexington Park, MD | 6 | $ 1,990,000 | $ 331,666 | $ 150,000 |
| Coeur D'Alene, ID | 6 | $ 1,550,000 | $ 258,333 | $ 87,000 |
| Florence, SC | 6 | $ 1,040,000 | $ 173,333 | $ 71,000 |
| Midland, TX | 6 | $ 1,620,000 | $ 270,000 | $ 179,000 |
| Peoria, IL | 6 | $ 990,000 | $ 165,000 | $ 87,000 |
| Santa Fe, NM | 6 | $ 1,290,000 | $ 215,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,180,000 | $ 196,666 | $ 98,000 |
| Texarkana, TX-AR | 6 | $ 860,000 | $ 143,333 | $ 110,000 |
| Bowling Green, KY | 5 | $ 1,005,000 | $ 201,000 | $ 60,000 |
| Decatur, AL | 5 | $ 805,000 | $ 161,000 | $ 0 |
| Dothan, AL | 5 | $ 855,000 | $ 171,000 | $ 0 |
| Fayetteville, NC | 5 | $ 665,000 | $ 133,000 | $ 136,000 |
| Lafayette-West Lafayette, IN | 5 | $ 985,000 | $ 197,000 | $ 144,000 |
| Lebanon, PA | 5 | $ 815,000 | $ 163,000 | $ 171,000 |
| Macon-Bibb County, GA | 5 | $ 585,000 | $ 117,000 | $ 55,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 655,000 | $ 131,000 | $ 88,000 |
| Odessa, TX | 5 | $ 1,145,000 | $ 229,000 | $ 151,000 |
| Albany, GA | 4 | $ 410,000 | $ 102,500 | $ 68,000 |
| Beaumont-Port Arthur, TX | 4 | $ 910,000 | $ 227,500 | $ 85,000 |
| Columbia, MO | 4 | $ 1,040,000 | $ 260,000 | $ 60,000 |
| Dover, DE | 4 | $ 500,000 | $ 125,000 | $ 0 |
| Erie, PA | 4 | $ 390,000 | $ 97,500 | $ 105,000 |
| Flint, MI | 4 | $ 1,170,000 | $ 292,500 | $ 108,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 650,000 | $ 162,500 | $ 105,000 |
| Jacksonville, NC | 4 | $ 790,000 | $ 197,500 | $ 126,000 |
| Johnson City, TN | 4 | $ 750,000 | $ 187,500 | $ 63,000 |
| Panama City, FL | 4 | $ 760,000 | $ 190,000 | $ 98,000 |
| Springfield, OH | 4 | $ 1,080,000 | $ 270,000 | $ 139,000 |
| St. Joseph, MO-KS | 4 | $ 650,000 | $ 162,500 | $ 77,000 |
| Valdosta, GA | 4 | $ 710,000 | $ 177,500 | $ 70,000 |
| Victoria, TX | 4 | $ 780,000 | $ 195,000 | $ 190,000 |
| Wausau, WI | 4 | $ 510,000 | $ 127,500 | $ 0 |
| Cape Girardeau, MO-IL | 3 | $ 295,000 | $ 98,333 | $ 111,000 |
| Evansville, IN-KY | 3 | $ 485,000 | $ 161,666 | $ 54,333 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 875,000 | $ 291,666 | $ 0 |
| Grants Pass, OR | 3 | $ 595,000 | $ 198,333 | $ 68,000 |
| Hanford-Corcoran, CA | 3 | $ 595,000 | $ 198,333 | $ 149,000 |
| Harrisonburg, VA | 3 | $ 725,000 | $ 241,666 | $ 136,000 |
| Hinesville, GA | 3 | $ 435,000 | $ 145,000 | $ 182,000 |
| Jackson, MI | 3 | $ 395,000 | $ 131,666 | $ 105,000 |
| Longview, TX | 3 | $ 665,000 | $ 221,666 | $ 133,000 |
| Pine Bluff, AR | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Saginaw, MI | 3 | $ 335,000 | $ 111,666 | $ 97,000 |
| San Angelo, TX | 3 | $ 725,000 | $ 241,666 | $ 0 |
| Toledo, OH | 3 | $ 615,000 | $ 205,000 | $ 130,000 |
| Champaign-Urbana, IL | 2 | $ 330,000 | $ 165,000 | $ 101,000 |
| Elkhart-Goshen, IN | 2 | $ 450,000 | $ 225,000 | $ 95,000 |
| Fargo, ND-MN | 2 | $ 420,000 | $ 210,000 | $ 91,000 |
| Fond Du Lac, WI | 2 | $ 280,000 | $ 140,000 | $ 89,000 |
| Goldsboro, NC | 2 | $ 550,000 | $ 275,000 | $ 131,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Hot Springs, AR | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Janesville-Beloit, WI | 2 | $ 310,000 | $ 155,000 | $ 70,000 |
| Johnstown, PA | 2 | $ 310,000 | $ 155,000 | $ 64,000 |
| Joplin, MO | 2 | $ 450,000 | $ 225,000 | $ 108,000 |
| Kalamazoo-Portage, MI | 2 | $ 560,000 | $ 280,000 | $ 144,000 |
| Kankakee, IL | 2 | $ 310,000 | $ 155,000 | $ 88,000 |
| Kokomo, IN | 2 | $ 440,000 | $ 220,000 | $ 97,000 |
| Las Cruces, NM | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Lawrence, KS | 2 | $ 650,000 | $ 325,000 | $ 101,000 |
| Monroe, MI | 2 | $ 540,000 | $ 270,000 | $ 85,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 500,000 | $ 250,000 | $ 0 |
| Oshkosh-Neenah, WI | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Owensboro, KY | 2 | $ 500,000 | $ 250,000 | $ 72,000 |
| Pittsfield, MA | 2 | $ 520,000 | $ 260,000 | $ 124,000 |
| Rockford, IL | 2 | $ 510,000 | $ 255,000 | $ 60,000 |
| Rocky Mount, NC | 2 | $ 430,000 | $ 215,000 | $ 66,000 |
| Sebring, FL | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Springfield, IL | 2 | $ 460,000 | $ 230,000 | $ 149,000 |
| St. Cloud, MN | 2 | $ 540,000 | $ 270,000 | $ 116,000 |
| Terre Haute, IN | 2 | $ 360,000 | $ 180,000 | $ 67,000 |
| Walla Walla, WA | 2 | $ 470,000 | $ 235,000 | $ 79,000 |
| Altoona, PA | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Battle Creek, MI | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Bloomington, IL | 1 | $ 215,000 | $ 215,000 | $ 202,000 |
| Bloomsburg-Berwick, PA | 1 | $ 225,000 | $ 225,000 | $ 177,000 |
| Cedar Rapids, IA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Cheyenne, WY | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Cleveland, TN | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Dalton, GA | 1 | $ 215,000 | $ 215,000 | $ 85,000 |
| Eau Claire, WI | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Enid, OK | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Hammond, LA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Jackson, MS | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Jackson, TN | 1 | $ 305,000 | $ 305,000 | $ 305,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Manhattan, KS | 1 | $ 345,000 | $ 345,000 | $ 215,000 |
| Mankato-North Mankato, MN | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Midland, MI | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Mobile, AL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Morristown, TN | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Niles-Benton Harbor, MI | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Portland-South Portland, ME | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Rome, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Topeka, KS | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Twin Falls, ID | 1 | $ 325,000 | $ 325,000 | $ 88,000 |
| Wheeling, WV-OH | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Wichita, KS | 1 | $ 135,000 | $ 135,000 | $ 0 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 24,995 | $7,631,585,000 | $305,000 | $2,005,000 | $136,000 | $9,999,000 |
| Cash-out Refinancing | 8,314 | $2,323,080,000 | $279,000 | $1,405,000 | $117,000 | $1,932,000 |
| Refinancing | 6,954 | $1,926,450,000 | $277,000 | $1,505,000 | $126,000 | $1,796,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 15,088 | $4,451,610,000 | $295,000 | $2,005,000 | $125,000 | $9,999,000 |
| Not applicable | 10,165 | $2,883,615,000 | $283,000 | $1,055,000 | $0 | $0 |
| Not Provided | 6,613 | $1,911,045,000 | $288,000 | $2,005,000 | $131,000 | $2,410,000 |
| Asian | 6,508 | $2,069,680,000 | $318,000 | $2,005,000 | $143,000 | $2,304,000 |
| Hispanic | 1,347 | $408,585,000 | $303,000 | $1,485,000 | $114,000 | $1,932,000 |
| Black or African American | 402 | $112,070,000 | $278,000 | $1,185,000 | $107,000 | $456,000 |
| Native Hawaiian or Other Pacific Islander | 75 | $25,545,000 | $340,000 | $805,000 | $136,000 | $522,000 |
| American Indian or Alaskan Native | 65 | $18,965,000 | $291,000 | $805,000 | $130,000 | $600,000 |
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) | 39,924 | $11,783,390,000 | $295,000 | $2,005,000 | $130,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 339 | $97,725,000 | $288,000 | $615,000 | $80,000 | $233,000 |
| 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 | 20,676 | $5,995,460,000 | $289,000 | $2,005,000 | $126,000 | $2,274,000 |
| Loan Purchased By The Institution | 10,165 | $2,883,615,000 | $283,000 | $1,055,000 | $0 | $0 |
| File Closed For Incompleteness | 3,795 | $1,231,455,000 | $324,000 | $2,005,000 | $141,000 | $2,410,000 |
| Application Withdrawn By Applicant | 3,728 | $1,156,840,000 | $310,000 | $2,005,000 | $138,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,684 | $550,040,000 | $326,000 | $1,805,000 | $125,000 | $4,992,000 |
| Application Approved But Not Accepted | 215 | $63,705,000 | $296,000 | $995,000 | $119,000 | $504,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 38,579 | $11,331,075,000 | $293,000 | $2,005,000 | $130,000 | $9,999,000 |
| Debt-To-Income Ratio | 583 | $192,485,000 | $330,000 | $1,365,000 | $85,000 | $981,000 |
| Collateral | 553 | $176,825,000 | $319,000 | $1,805,000 | $153,000 | $4,992,000 |
| Credit History | 309 | $93,985,000 | $304,000 | $1,405,000 | $138,000 | $1,932,000 |
| Other | 110 | $40,390,000 | $367,000 | $1,505,000 | $169,000 | $3,056,000 |
| Employment History | 47 | $18,515,000 | $393,000 | $1,385,000 | $85,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 46 | $17,130,000 | $372,000 | $1,305,000 | $132,000 | $538,000 |
| Unverifiable Information | 35 | $10,565,000 | $301,000 | $915,000 | $111,000 | $500,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $53,000 | $53,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2018 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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