Provident Funding Associates Mortgage Lending & HMDA Data, 2020
In 2020, Provident Funding Associates of Santa Rosa, CA reported 90,844 mortgage applications totaling $27.1 billion, up 45% from 2019. The average application was for $298,239, and applicants reported an average income of $149,967. 50% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Dallas-Plano-Irving, TX (4,616), Denver-Aurora-Lakewood, CO (4,207) and Phoenix-Mesa-Scottsdale, AZ (4,127) (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 | 90,844 |
| Total Mortgage Loan Application Amount | $27,093,305,000 |
| Average Mortgage Loan Application Amount | $298,239 |
| Highest Mortgage Loan Application Amount | $44,695,000 |
| Average Applicant Income | $149,967 |
| 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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 4,616 | $ 1,443,590,000 | $ 312,736 | $ 159,000 |
| Denver-Aurora-Lakewood, CO | 4,207 | $ 1,366,725,000 | $ 324,869 | $ 139,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4,127 | $ 1,077,835,000 | $ 261,166 | $ 131,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3,690 | $ 1,217,260,000 | $ 329,880 | $ 139,767 |
| Salt Lake City, UT | 3,653 | $ 1,089,325,000 | $ 298,200 | $ 121,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3,537 | $ 1,003,635,000 | $ 283,753 | $ 145,000 |
| Seattle-Bellevue-Everett, WA | 3,046 | $ 1,136,580,000 | $ 373,138 | $ 173,000 |
| Outside any metro area | 2,480 | $ 684,940,000 | $ 276,185 | $ 147,699 |
| Sacramento--Roseville--Arden-Arcade, CA | 2,391 | $ 750,005,000 | $ 313,678 | $ 149,000 |
| Los Angeles-Long Beach-Glendale, CA | 2,293 | $ 809,895,000 | $ 353,203 | $ 166,000 |
| Houston-The Woodlands-Sugar Land, TX | 2,256 | $ 593,730,000 | $ 263,178 | $ 158,000 |
| Oakland-Hayward-Berkeley, CA | 2,201 | $ 854,735,000 | $ 388,339 | $ 190,000 |
| Ogden-Clearfield, UT | 2,116 | $ 589,440,000 | $ 278,563 | $ 114,000 |
| Provo-Orem, UT | 2,112 | $ 611,820,000 | $ 289,687 | $ 120,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,867 | $ 756,285,000 | $ 405,080 | $ 221,000 |
| Montgomery County-Bucks County-Chester County, PA | 1,824 | $ 545,770,000 | $ 299,216 | $ 163,000 |
| Raleigh, NC | 1,672 | $ 468,120,000 | $ 279,976 | $ 152,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,603 | $ 594,655,000 | $ 370,963 | $ 170,000 |
| Austin-Round Rock, TX | 1,569 | $ 470,785,000 | $ 300,054 | $ 166,000 |
| San Diego-Carlsbad, CA | 1,563 | $ 544,645,000 | $ 348,461 | $ 156,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,522 | $ 412,630,000 | $ 271,110 | $ 140,107 |
| Chicago-Naperville, IL | 1,332 | $ 336,870,000 | $ 252,905 | $ 156,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1,252 | $ 333,300,000 | $ 266,214 | $ 144,825 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,173 | $ 388,685,000 | $ 331,359 | $ 180,281 |
| New York-Newark, NY | 1,130 | $ 334,620,000 | $ 296,123 | $ 197,000 |
| Riverside-San Bernardino-Ontario, CA | 1,094 | $ 311,480,000 | $ 284,716 | $ 137,000 |
| Indianapolis-Carmel-Anderson, IN | 1,051 | $ 251,485,000 | $ 239,281 | $ 137,000 |
| Cambridge-Newton-Framingham, MA | 1,031 | $ 351,255,000 | $ 340,693 | $ 165,000 |
| Louisville/Jefferson County, KY-IN | 1,007 | $ 237,425,000 | $ 235,774 | $ 123,896 |
| San Francisco-Redwood City-South San Francisco, CA | 767 | $ 313,515,000 | $ 408,754 | $ 207,000 |
| Newark, NJ-PA | 758 | $ 240,440,000 | $ 317,203 | $ 176,418 |
| Fort Worth-Arlington, TX | 749 | $ 179,725,000 | $ 239,953 | $ 155,000 |
| Hartford-West Hartford-East Hartford, CT | 715 | $ 168,065,000 | $ 235,055 | $ 139,000 |
| Philadelphia, PA | 667 | $ 180,435,000 | $ 270,517 | $ 142,000 |
| Lexington-Fayette, KY | 608 | $ 134,800,000 | $ 221,710 | $ 110,000 |
| Pittsburgh, PA | 575 | $ 145,695,000 | $ 253,382 | $ 138,000 |
| Boulder, CO | 555 | $ 195,235,000 | $ 351,774 | $ 156,000 |
| Boston, MA | 545 | $ 179,950,000 | $ 330,183 | $ 165,000 |
| Tampa-St. Petersburg-Clearwater, FL | 518 | $ 127,460,000 | $ 246,061 | $ 130,000 |
| St. Louis, MO-IL | 495 | $ 117,675,000 | $ 237,727 | $ 121,028 |
| Washington-Baltimore-Arlington, DC | 482 | $ 156,280,000 | $ 324,232 | $ 190,000 |
| Orlando-Kissimmee-Sanford, FL | 471 | $ 116,925,000 | $ 248,248 | $ 135,000 |
| Kansas City, MO-KS | 467 | $ 122,065,000 | $ 261,381 | $ 117,635 |
| Warren-Troy-Farmington Hills, MI | 465 | $ 110,025,000 | $ 236,612 | $ 133,000 |
| New York-Jersey City-White Plains, NY-NJ | 458 | $ 143,430,000 | $ 313,165 | $ 198,000 |
| Baltimore-Columbia-Towson, MD | 457 | $ 127,715,000 | $ 279,463 | $ 176,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 437 | $ 197,725,000 | $ 452,459 | $ 174,000 |
| Tucson, AZ | 420 | $ 93,800,000 | $ 223,333 | $ 118,000 |
| Santa Rosa, CA | 398 | $ 128,970,000 | $ 324,045 | $ 149,000 |
| Camden, NJ | 381 | $ 88,235,000 | $ 231,587 | $ 149,000 |
| Durham-Chapel Hill, NC | 372 | $ 94,310,000 | $ 253,521 | $ 141,000 |
| Bridgeport-Stamford-Norwalk, CT | 367 | $ 115,705,000 | $ 315,272 | $ 174,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 365 | $ 117,445,000 | $ 321,767 | $ 139,000 |
| New Haven-Milford, CT | 362 | $ 92,120,000 | $ 254,475 | $ 145,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 358 | $ 103,340,000 | $ 288,659 | $ 156,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 355 | $ 98,075,000 | $ 276,267 | $ 152,000 |
| San Antonio-New Braunfels, TX | 353 | $ 90,085,000 | $ 255,198 | $ 180,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 342 | $ 94,160,000 | $ 275,321 | $ 159,000 |
| Colorado Springs, CO | 336 | $ 92,340,000 | $ 274,821 | $ 128,000 |
| Vallejo-Fairfield, CA | 334 | $ 106,010,000 | $ 317,395 | $ 134,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 329 | $ 77,365,000 | $ 235,151 | $ 134,234 |
| Bend-Redmond, OR | 313 | $ 96,165,000 | $ 307,236 | $ 130,000 |
| Richmond, VA | 309 | $ 86,085,000 | $ 278,592 | $ 148,000 |
| Fort Collins, CO | 307 | $ 92,085,000 | $ 299,951 | $ 140,000 |
| Stockton-Lodi, CA | 306 | $ 89,760,000 | $ 293,333 | $ 146,000 |
| Tacoma-Lakewood, WA | 284 | $ 81,500,000 | $ 286,971 | $ 130,000 |
| St. George, UT | 261 | $ 72,005,000 | $ 275,881 | $ 138,000 |
| Cincinnati, OH-KY-IN | 258 | $ 56,650,000 | $ 219,573 | $ 121,763 |
| Santa Cruz-Watsonville, CA | 247 | $ 107,555,000 | $ 435,445 | $ 281,000 |
| Jacksonville, FL | 241 | $ 65,425,000 | $ 271,473 | $ 188,000 |
| Greeley, CO | 235 | $ 70,245,000 | $ 298,914 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 235 | $ 73,635,000 | $ 313,340 | $ 162,000 |
| Lake County-Kenosha County, IL-WI | 222 | $ 60,780,000 | $ 273,783 | $ 157,423 |
| Columbus, OH | 219 | $ 51,055,000 | $ 233,127 | $ 123,000 |
| Modesto, CA | 196 | $ 47,120,000 | $ 240,408 | $ 112,000 |
| Fresno, CA | 177 | $ 43,915,000 | $ 248,107 | $ 138,000 |
| Eugene, OR | 165 | $ 39,395,000 | $ 238,757 | $ 113,000 |
| Worcester, MA-CT | 165 | $ 44,615,000 | $ 270,393 | $ 137,727 |
| Reno, NV | 164 | $ 49,030,000 | $ 298,963 | $ 109,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 157 | $ 44,625,000 | $ 284,235 | $ 162,624 |
| Salem, OR | 152 | $ 39,570,000 | $ 260,328 | $ 107,000 |
| San Rafael, CA | 152 | $ 60,670,000 | $ 399,144 | $ 199,000 |
| Santa Maria-Santa Barbara, CA | 152 | $ 52,370,000 | $ 344,539 | $ 143,000 |
| Detroit-Dearborn-Livonia, MI | 149 | $ 32,045,000 | $ 215,067 | $ 120,000 |
| Logan, UT-ID | 146 | $ 33,540,000 | $ 229,726 | $ 96,794 |
| Wilmington, NC | 137 | $ 32,195,000 | $ 235,000 | $ 103,000 |
| Greensboro-High Point, NC | 136 | $ 31,550,000 | $ 231,985 | $ 139,000 |
| North Port-Sarasota-Bradenton, FL | 136 | $ 35,560,000 | $ 261,470 | $ 139,000 |
| Gainesville, FL | 135 | $ 30,135,000 | $ 223,222 | $ 107,000 |
| Cleveland-Elyria, OH | 130 | $ 27,840,000 | $ 214,153 | $ 204,000 |
| Charleston-North Charleston, SC | 128 | $ 35,940,000 | $ 280,781 | $ 122,000 |
| Greenville-Anderson-Mauldin, SC | 125 | $ 26,225,000 | $ 209,800 | $ 116,000 |
| Salinas, CA | 125 | $ 45,585,000 | $ 364,680 | $ 159,000 |
| Cape Coral-Fort Myers, FL | 123 | $ 31,735,000 | $ 258,008 | $ 119,000 |
| Bakersfield, CA | 122 | $ 26,970,000 | $ 221,065 | $ 129,000 |
| Prescott Valley-Prescott, AZ | 121 | $ 29,915,000 | $ 247,231 | $ 119,000 |
| Spokane-Spokane Valley, WA | 120 | $ 28,580,000 | $ 238,166 | $ 114,000 |
| Elgin, IL | 111 | $ 26,565,000 | $ 239,324 | $ 131,000 |
| Bremerton-Silverdale, WA | 110 | $ 32,510,000 | $ 295,545 | $ 136,000 |
| Milwaukee-Waukesha-West Allis, WI | 105 | $ 26,855,000 | $ 255,761 | $ 104,000 |
| Trenton, NJ | 101 | $ 27,735,000 | $ 274,603 | $ 201,000 |
| Providence-Warwick, RI-MA | 100 | $ 24,220,000 | $ 242,200 | $ 114,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 99 | $ 21,605,000 | $ 218,232 | $ 105,000 |
| Kennewick-Richland, WA | 99 | $ 26,665,000 | $ 269,343 | $ 118,000 |
| Harrisburg-Carlisle, PA | 95 | $ 22,325,000 | $ 235,000 | $ 171,000 |
| Palm Bay-Melbourne-Titusville, FL | 95 | $ 23,925,000 | $ 251,842 | $ 149,000 |
| Olympia-Tumwater, WA | 93 | $ 25,115,000 | $ 270,053 | $ 166,000 |
| Asheville, NC | 91 | $ 23,355,000 | $ 256,648 | $ 144,000 |
| Napa, CA | 89 | $ 32,145,000 | $ 361,179 | $ 160,000 |
| Chico, CA | 84 | $ 21,380,000 | $ 254,523 | $ 110,000 |
| Redding, CA | 81 | $ 19,085,000 | $ 235,617 | $ 106,000 |
| Tulsa, OK | 78 | $ 19,480,000 | $ 249,743 | $ 109,000 |
| Lancaster, PA | 77 | $ 17,335,000 | $ 225,129 | $ 122,000 |
| Flagstaff, AZ | 76 | $ 20,210,000 | $ 265,921 | $ 139,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 76 | $ 17,770,000 | $ 233,815 | $ 128,631 |
| Bellingham, WA | 73 | $ 20,465,000 | $ 280,342 | $ 119,000 |
| Winston-Salem, NC | 72 | $ 14,780,000 | $ 205,277 | $ 103,000 |
| Barnstable Town, MA | 69 | $ 23,645,000 | $ 342,681 | $ 186,000 |
| Gary, IN | 67 | $ 13,675,000 | $ 204,104 | $ 118,000 |
| Medford, OR | 66 | $ 16,480,000 | $ 249,696 | $ 114,000 |
| Naples-Immokalee-Marco Island, FL | 66 | $ 18,520,000 | $ 280,606 | $ 161,000 |
| Grand Junction, CO | 65 | $ 15,775,000 | $ 242,692 | $ 96,000 |
| Port St. Lucie, FL | 65 | $ 17,205,000 | $ 264,692 | $ 111,000 |
| Tallahassee, FL | 65 | $ 17,615,000 | $ 271,000 | $ 125,000 |
| Grand Rapids-Wyoming, MI | 63 | $ 14,045,000 | $ 222,936 | $ 117,000 |
| Corvallis, OR | 61 | $ 16,945,000 | $ 277,786 | $ 131,000 |
| Gainesville, GA | 61 | $ 14,985,000 | $ 245,655 | $ 113,000 |
| Savannah, GA | 61 | $ 14,425,000 | $ 236,475 | $ 125,000 |
| Ann Arbor, MI | 60 | $ 14,380,000 | $ 239,666 | $ 163,000 |
| Charlottesville, VA | 60 | $ 14,030,000 | $ 233,833 | $ 137,000 |
| Norwich-New London, CT | 60 | $ 14,830,000 | $ 247,166 | $ 129,000 |
| Springfield, MA | 60 | $ 13,800,000 | $ 230,000 | $ 123,000 |
| Wenatchee, WA | 60 | $ 19,160,000 | $ 319,333 | $ 169,000 |
| Reading, PA | 58 | $ 15,020,000 | $ 258,965 | $ 135,000 |
| Ocean City, NJ | 56 | $ 18,030,000 | $ 321,964 | $ 235,000 |
| Columbia, SC | 54 | $ 12,640,000 | $ 234,074 | $ 130,000 |
| Atlantic City-Hammonton, NJ | 53 | $ 12,445,000 | $ 234,811 | $ 220,000 |
| Knoxville, TN | 49 | $ 12,935,000 | $ 263,979 | $ 141,000 |
| Lakeland-Winter Haven, FL | 48 | $ 8,960,000 | $ 186,666 | $ 116,000 |
| Boise City, ID | 47 | $ 13,515,000 | $ 287,553 | $ 105,000 |
| Las Vegas-Henderson-Paradise, NV | 46 | $ 13,650,000 | $ 296,739 | $ 113,000 |
| York-Hanover, PA | 46 | $ 10,330,000 | $ 224,565 | $ 120,000 |
| Memphis, TN-MS-AR | 45 | $ 10,285,000 | $ 228,555 | $ 166,000 |
| Visalia-Porterville, CA | 45 | $ 11,115,000 | $ 247,000 | $ 141,000 |
| Spartanburg, SC | 44 | $ 8,800,000 | $ 200,000 | $ 91,000 |
| Lake Havasu City-Kingman, AZ | 43 | $ 9,105,000 | $ 211,744 | $ 144,000 |
| Chattanooga, TN-GA | 42 | $ 9,460,000 | $ 225,238 | $ 112,904 |
| Merced, CA | 42 | $ 9,530,000 | $ 226,904 | $ 107,000 |
| Albany, OR | 41 | $ 9,685,000 | $ 236,219 | $ 116,000 |
| Rochester, MN | 39 | $ 9,305,000 | $ 238,589 | $ 132,000 |
| Yuba City, CA | 39 | $ 9,135,000 | $ 234,230 | $ 91,000 |
| Akron, OH | 35 | $ 6,385,000 | $ 182,428 | $ 111,000 |
| Augusta-Richmond County, GA-SC | 34 | $ 7,200,000 | $ 211,764 | $ 136,352 |
| State College, PA | 34 | $ 7,730,000 | $ 227,352 | $ 124,000 |
| Ocala, FL | 33 | $ 6,145,000 | $ 186,212 | $ 107,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 32 | $ 8,340,000 | $ 260,625 | $ 159,000 |
| The Villages, FL | 32 | $ 6,570,000 | $ 205,312 | $ 110,000 |
| Crestview-Fort Walton Beach-Destin, FL | 31 | $ 8,715,000 | $ 281,129 | $ 198,000 |
| Bloomington, IN | 30 | $ 6,300,000 | $ 210,000 | $ 106,000 |
| Pensacola-Ferry Pass-Brent, FL | 30 | $ 6,110,000 | $ 203,666 | $ 142,000 |
| Mount Vernon-Anacortes, WA | 29 | $ 9,355,000 | $ 322,586 | $ 157,000 |
| Tyler, TX | 27 | $ 5,145,000 | $ 190,555 | $ 108,000 |
| Lansing-East Lansing, MI | 26 | $ 5,270,000 | $ 202,692 | $ 103,000 |
| Oklahoma City, OK | 26 | $ 6,230,000 | $ 239,615 | $ 113,000 |
| Athens-Clarke County, GA | 25 | $ 5,995,000 | $ 239,800 | $ 108,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 25 | $ 4,105,000 | $ 164,200 | $ 189,000 |
| El Paso, TX | 24 | $ 5,120,000 | $ 213,333 | $ 123,000 |
| East Stroudsburg, PA | 23 | $ 3,915,000 | $ 170,217 | $ 176,000 |
| Lynchburg, VA | 22 | $ 4,740,000 | $ 215,454 | $ 149,000 |
| Elizabethtown-Fort Knox, KY | 21 | $ 4,875,000 | $ 232,142 | $ 118,000 |
| Sherman-Denison, TX | 21 | $ 5,135,000 | $ 244,523 | $ 148,000 |
| Dayton-Springfield-Kettering, OH | 20 | $ 3,850,000 | $ 192,500 | $ 165,000 |
| Roanoke, VA | 20 | $ 4,630,000 | $ 231,500 | $ 142,000 |
| College Station-Bryan, TX | 19 | $ 4,855,000 | $ 255,526 | $ 163,000 |
| Columbus, GA-AL | 19 | $ 3,445,000 | $ 181,315 | $ 107,000 |
| Pueblo, CO | 19 | $ 3,905,000 | $ 205,526 | $ 126,000 |
| Yakima, WA | 19 | $ 4,975,000 | $ 261,842 | $ 143,000 |
| Fort Wayne, IN | 18 | $ 2,910,000 | $ 161,666 | $ 84,000 |
| Macon-Bibb County, GA | 18 | $ 4,210,000 | $ 233,888 | $ 123,000 |
| Salisbury, MD-DE | 18 | $ 3,680,000 | $ 204,444 | $ 136,000 |
| Burlington, NC | 17 | $ 2,845,000 | $ 167,352 | $ 82,000 |
| Clarksville, TN-KY | 17 | $ 3,405,000 | $ 200,294 | $ 117,176 |
| Corpus Christi, TX | 17 | $ 3,475,000 | $ 204,411 | $ 216,000 |
| Fayetteville, NC | 17 | $ 3,885,000 | $ 228,529 | $ 716,000 |
| Toledo, OH | 17 | $ 4,025,000 | $ 236,764 | $ 135,000 |
| Grants Pass, OR | 16 | $ 4,330,000 | $ 270,625 | $ 92,000 |
| Hickory-Lenoir-Morganton, NC | 16 | $ 3,850,000 | $ 240,625 | $ 277,000 |
| Killeen-Temple, TX | 16 | $ 4,280,000 | $ 267,500 | $ 202,000 |
| Madera, CA | 16 | $ 3,410,000 | $ 213,125 | $ 100,000 |
| Midland, TX | 16 | $ 4,870,000 | $ 304,375 | $ 171,000 |
| Punta Gorda, FL | 16 | $ 3,280,000 | $ 205,000 | $ 115,000 |
| Warner Robins, GA | 16 | $ 3,240,000 | $ 202,500 | $ 102,000 |
| Yuma, AZ | 16 | $ 3,100,000 | $ 193,750 | $ 113,000 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 3,275,000 | $ 218,333 | $ 104,000 |
| Carson City, NV | 15 | $ 4,275,000 | $ 285,000 | $ 90,000 |
| Lebanon, PA | 15 | $ 3,025,000 | $ 201,666 | $ 100,000 |
| McAllen-Edinburg-Mission, TX | 15 | $ 2,375,000 | $ 158,333 | $ 115,000 |
| Sebastian-Vero Beach, FL | 15 | $ 3,705,000 | $ 247,000 | $ 113,000 |
| Sierra Vista-Douglas, AZ | 15 | $ 2,465,000 | $ 164,333 | $ 104,000 |
| Waco, TX | 15 | $ 3,455,000 | $ 230,333 | $ 140,000 |
| Winchester, VA-WV | 15 | $ 3,135,000 | $ 209,000 | $ 111,000 |
| Albany, GA | 14 | $ 2,990,000 | $ 213,571 | $ 151,000 |
| Canton-Massillon, OH | 14 | $ 2,730,000 | $ 195,000 | $ 189,000 |
| Coeur D'Alene, ID | 14 | $ 5,160,000 | $ 368,571 | $ 127,000 |
| Lafayette-West Lafayette, IN | 14 | $ 2,690,000 | $ 192,142 | $ 153,000 |
| Longview, WA | 14 | $ 3,080,000 | $ 220,000 | $ 114,000 |
| Monroe, MI | 14 | $ 2,640,000 | $ 188,571 | $ 181,000 |
| Homosassa Springs, FL | 13 | $ 2,335,000 | $ 179,615 | $ 92,000 |
| Springfield, MO | 13 | $ 3,185,000 | $ 245,000 | $ 148,000 |
| Gettysburg, PA | 12 | $ 2,410,000 | $ 200,833 | $ 100,000 |
| Idaho Falls, ID | 12 | $ 3,190,000 | $ 265,833 | $ 91,000 |
| Kalamazoo-Portage, MI | 12 | $ 1,950,000 | $ 162,500 | $ 266,000 |
| Kingsport-Bristol-Bristol, TN-VA | 12 | $ 2,280,000 | $ 190,000 | $ 120,750 |
| Peoria, IL | 12 | $ 2,080,000 | $ 173,333 | $ 112,000 |
| California-Lexington Park, MD | 11 | $ 2,805,000 | $ 255,000 | $ 177,000 |
| Jacksonville, NC | 11 | $ 2,345,000 | $ 213,181 | $ 125,000 |
| Terre Haute, IN | 11 | $ 2,495,000 | $ 226,818 | $ 202,000 |
| Walla Walla, WA | 11 | $ 3,255,000 | $ 295,909 | $ 132,000 |
| Duluth, MN-WI | 10 | $ 1,380,000 | $ 138,000 | $ 97,000 |
| El Centro, CA | 10 | $ 2,360,000 | $ 236,000 | $ 113,000 |
| Erie, PA | 10 | $ 1,560,000 | $ 156,000 | $ 146,000 |
| New Bern, NC | 10 | $ 2,080,000 | $ 208,000 | $ 146,000 |
| St. Joseph, MO-KS | 10 | $ 1,770,000 | $ 177,000 | $ 143,000 |
| Youngstown-Warren-Boardman, OH-PA | 10 | $ 1,480,000 | $ 148,000 | $ 92,000 |
| Lubbock, TX | 9 | $ 1,465,000 | $ 162,777 | $ 122,000 |
| Owensboro, KY | 9 | $ 2,135,000 | $ 237,222 | $ 64,000 |
| Vineland-Bridgeton, NJ | 9 | $ 1,285,000 | $ 142,777 | $ 91,000 |
| Bowling Green, KY | 8 | $ 1,750,000 | $ 218,750 | $ 84,000 |
| Columbus, IN | 8 | $ 1,850,000 | $ 231,250 | $ 117,000 |
| Hagerstown-Martinsburg, MD-WV | 8 | $ 1,170,000 | $ 146,250 | $ 94,000 |
| Hanford-Corcoran, CA | 8 | $ 1,610,000 | $ 201,250 | $ 325,000 |
| Harrisonburg, VA | 8 | $ 1,920,000 | $ 240,000 | $ 99,000 |
| Kokomo, IN | 8 | $ 1,410,000 | $ 176,250 | $ 132,000 |
| Longview, TX | 8 | $ 1,920,000 | $ 240,000 | $ 97,000 |
| Racine, WI | 8 | $ 2,200,000 | $ 275,000 | $ 156,000 |
| South Bend-Mishawaka, IN-MI | 8 | $ 1,310,000 | $ 163,750 | $ 146,250 |
| Valdosta, GA | 8 | $ 1,200,000 | $ 150,000 | $ 130,000 |
| Beaumont-Port Arthur, TX | 7 | $ 1,595,000 | $ 227,857 | $ 118,000 |
| Brunswick, GA | 7 | $ 2,155,000 | $ 307,857 | $ 148,000 |
| Flint, MI | 7 | $ 1,475,000 | $ 210,714 | $ 150,000 |
| Johnson City, TN | 7 | $ 1,555,000 | $ 222,142 | $ 146,000 |
| Muskegon, MI | 7 | $ 895,000 | $ 127,857 | $ 175,000 |
| Panama City, FL | 7 | $ 1,655,000 | $ 236,428 | $ 108,000 |
| Pittsfield, MA | 7 | $ 1,625,000 | $ 232,142 | $ 85,000 |
| Staunton-Waynesboro, VA | 7 | $ 1,845,000 | $ 263,571 | $ 109,000 |
| Abilene, TX | 6 | $ 1,250,000 | $ 208,333 | $ 124,000 |
| Birmingham-Hoover, AL | 6 | $ 1,700,000 | $ 283,333 | $ 0 |
| Brownsville-Harlingen, TX | 6 | $ 1,160,000 | $ 193,333 | $ 125,000 |
| Dalton, GA | 6 | $ 1,540,000 | $ 256,666 | $ 95,000 |
| Greenville, NC | 6 | $ 1,140,000 | $ 190,000 | $ 101,000 |
| Kankakee, IL | 6 | $ 800,000 | $ 133,333 | $ 112,000 |
| Madison, WI | 6 | $ 1,140,000 | $ 190,000 | $ 107,000 |
| Muncie, IN | 6 | $ 980,000 | $ 163,333 | $ 82,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,150,000 | $ 191,666 | $ 112,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,840,000 | $ 306,666 | $ 142,333 |
| Battle Creek, MI | 5 | $ 865,000 | $ 173,000 | $ 79,000 |
| Bloomington, IL | 5 | $ 865,000 | $ 173,000 | $ 124,000 |
| Chambersburg-Waynesboro, PA | 5 | $ 1,165,000 | $ 233,000 | $ 107,000 |
| Champaign-Urbana, IL | 5 | $ 755,000 | $ 151,000 | $ 169,000 |
| Columbia, MO | 5 | $ 1,005,000 | $ 201,000 | $ 93,000 |
| Goldsboro, NC | 5 | $ 915,000 | $ 183,000 | $ 130,000 |
| Odessa, TX | 5 | $ 715,000 | $ 143,000 | $ 144,000 |
| Rocky Mount, NC | 5 | $ 705,000 | $ 141,000 | $ 94,000 |
| Rome, GA | 5 | $ 1,225,000 | $ 245,000 | $ 132,000 |
| Amarillo, TX | 4 | $ 620,000 | $ 155,000 | $ 85,000 |
| Bloomsburg-Berwick, PA | 4 | $ 760,000 | $ 190,000 | $ 116,000 |
| Cleveland, TN | 4 | $ 740,000 | $ 185,000 | $ 85,000 |
| Decatur, IL | 4 | $ 340,000 | $ 85,000 | $ 76,000 |
| Johnstown, PA | 4 | $ 670,000 | $ 167,500 | $ 80,000 |
| Lawrence, KS | 4 | $ 940,000 | $ 235,000 | $ 137,000 |
| Lewiston, ID-WA | 4 | $ 960,000 | $ 240,000 | $ 74,000 |
| Mankato-North Mankato, MN | 4 | $ 1,020,000 | $ 255,000 | $ 119,000 |
| Mansfield, OH | 4 | $ 600,000 | $ 150,000 | $ 140,000 |
| Michigan City-La Porte, IN | 4 | $ 790,000 | $ 197,500 | $ 206,000 |
| Montgomery, AL | 4 | $ 810,000 | $ 202,500 | $ 0 |
| New Orleans-Metairie, LA | 4 | $ 970,000 | $ 242,500 | $ 0 |
| Oshkosh-Neenah, WI | 4 | $ 770,000 | $ 192,500 | $ 82,000 |
| Saginaw, MI | 4 | $ 1,000,000 | $ 250,000 | $ 98,000 |
| Sheboygan, WI | 4 | $ 790,000 | $ 197,500 | $ 0 |
| St. Cloud, MN | 4 | $ 770,000 | $ 192,500 | $ 80,000 |
| Texarkana, TX-AR | 4 | $ 540,000 | $ 135,000 | $ 103,000 |
| Appleton, WI | 3 | $ 665,000 | $ 221,666 | $ 180,000 |
| Auburn-Opelika, AL | 3 | $ 685,000 | $ 228,333 | $ 0 |
| Cumberland, MD-WV | 3 | $ 355,000 | $ 118,333 | $ 74,000 |
| Elkhart-Goshen, IN | 3 | $ 725,000 | $ 241,666 | $ 206,000 |
| Evansville, IN-KY | 3 | $ 515,000 | $ 171,666 | $ 82,000 |
| Fargo, ND-MN | 3 | $ 725,000 | $ 241,666 | $ 109,000 |
| Florence, SC | 3 | $ 315,000 | $ 105,000 | $ 99,000 |
| Green Bay, WI | 3 | $ 395,000 | $ 131,666 | $ 119,000 |
| Jackson, MI | 3 | $ 325,000 | $ 108,333 | $ 63,000 |
| Jackson, TN | 3 | $ 455,000 | $ 151,666 | $ 85,000 |
| Jefferson City, MO | 3 | $ 425,000 | $ 141,666 | $ 99,000 |
| Joplin, MO | 3 | $ 705,000 | $ 235,000 | $ 103,000 |
| Morristown, TN | 3 | $ 555,000 | $ 185,000 | $ 163,000 |
| Rockford, IL | 3 | $ 635,000 | $ 211,666 | $ 111,000 |
| Sebring, FL | 3 | $ 535,000 | $ 178,333 | $ 204,000 |
| Springfield, OH | 3 | $ 375,000 | $ 125,000 | $ 89,000 |
| Sumter, SC | 3 | $ 645,000 | $ 215,000 | $ 707,000 |
| Wichita Falls, TX | 3 | $ 745,000 | $ 248,333 | $ 91,000 |
| Williamsport, PA | 3 | $ 335,000 | $ 111,666 | $ 108,000 |
| Altoona, PA | 2 | $ 200,000 | $ 100,000 | $ 69,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 220,000 | $ 110,000 | $ 35,000 |
| Laredo, TX | 2 | $ 360,000 | $ 180,000 | $ 624,000 |
| Springfield, IL | 2 | $ 250,000 | $ 125,000 | $ 130,000 |
| Topeka, KS | 2 | $ 230,000 | $ 115,000 | $ 464,000 |
| Tuscaloosa, AL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Twin Falls, ID | 2 | $ 470,000 | $ 235,000 | $ 121,000 |
| Urban Honolulu, HI | 2 | $ 1,040,000 | $ 520,000 | $ 100,000 |
| Victoria, TX | 2 | $ 360,000 | $ 180,000 | $ 71,000 |
| Albuquerque, NM | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Bismarck, ND | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Cedar Rapids, IA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 85,000 | $ 85,000 | $ 114,000 |
| Decatur, AL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dothan, AL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hinesville, GA | 1 | $ 165,000 | $ 165,000 | $ 182,000 |
| Houma-Thibodaux, LA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Huntsville, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Jonesboro, AR | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Lafayette, LA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Manhattan, KS | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pocatello, ID | 1 | $ 355,000 | $ 355,000 | $ 84,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Wichita, KS | 1 | $ 175,000 | $ 175,000 | $ 1,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2020
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 | 63,864 | $18,583,480,000 | $290,000 | $44,695,000 | $151,000 | $9,999,000 |
| Cash-out Refinancing | 16,706 | $5,107,075,000 | $305,000 | $20,805,000 | $146,000 | $9,999,000 |
| Home Purchase | 10,274 | $3,402,750,000 | $331,000 | $2,755,000 | $150,000 | $4,206,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 49,162 | $14,243,000,000 | $289,000 | $44,695,000 | $142,000 | $9,999,000 |
| Asian | 21,062 | $6,684,530,000 | $317,000 | $4,065,000 | $169,000 | $9,999,000 |
| Not Provided | 13,779 | $4,147,525,000 | $301,000 | $20,805,000 | $155,000 | $7,800,000 |
| Hispanic | 3,843 | $1,115,545,000 | $290,000 | $1,685,000 | $131,000 | $2,480,000 |
| Not applicable | 1,477 | $493,875,000 | $334,000 | $765,000 | $0 | $0 |
| Black or African American | 1,206 | $317,825,000 | $263,000 | $745,000 | $135,000 | $4,140,000 |
| American Indian or Alaskan Native | 177 | $51,635,000 | $291,000 | $685,000 | $140,000 | $2,538,000 |
| Native Hawaiian or Other Pacific Islander | 138 | $39,370,000 | $285,000 | $745,000 | $125,000 | $1,816,000 |
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) | 90,596 | $27,017,505,000 | $298,000 | $44,695,000 | $150,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 248 | $75,800,000 | $305,000 | $755,000 | $54,000 | $305,000 |
| 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 | 45,419 | $13,695,795,000 | $301,000 | $1,485,000 | $127,000 | $2,657,000 |
| File Closed For Incompleteness | 19,879 | $5,798,555,000 | $291,000 | $1,505,000 | $171,000 | $9,999,000 |
| Application Withdrawn By Applicant | 15,106 | $4,487,815,000 | $297,000 | $44,695,000 | $189,000 | $9,999,000 |
| Application Denied By Financial Institution | 7,889 | $2,279,005,000 | $288,000 | $4,065,000 | $152,000 | $9,999,000 |
| Loan Purchased By The Institution | 1,477 | $493,875,000 | $334,000 | $765,000 | $0 | $0 |
| Application Approved But Not Accepted | 1,074 | $338,260,000 | $314,000 | $735,000 | $129,000 | $797,000 |
| 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 | 82,955 | $24,814,300,000 | $299,000 | $44,695,000 | $149,000 | $9,999,000 |
| Debt-To-Income Ratio | 2,511 | $732,875,000 | $291,000 | $1,215,000 | $81,000 | $1,241,000 |
| Credit History | 2,482 | $677,600,000 | $273,000 | $905,000 | $176,000 | $5,520,000 |
| Collateral | 1,444 | $433,330,000 | $300,000 | $1,405,000 | $209,000 | $9,999,000 |
| Other | 623 | $177,255,000 | $284,000 | $3,205,000 | $216,000 | $5,388,000 |
| Unverifiable Information | 485 | $150,955,000 | $311,000 | $4,065,000 | $158,000 | $4,080,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 178 | $55,500,000 | $311,000 | $885,000 | $142,000 | $1,936,000 |
| Employment History | 166 | $51,490,000 | $310,000 | $875,000 | $128,000 | $1,860,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Provident Funding Associates's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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