Provident Funding Associates Mortgage Lending & HMDA Data, 2022
In 2022, Provident Funding Associates of Santa Rosa, CA reported 21,130 mortgage applications totaling $7.7 billion, down 65% from 2021. The average application was for $365,372, and applicants reported an average income of $147,723. 53% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,861), Houston-The Woodlands-Sugar Land, TX (993) and Atlanta-Sandy Springs-Roswell, GA (873) (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 | 21,130 |
| Total Mortgage Loan Application Amount | $7,720,320,000 |
| Average Mortgage Loan Application Amount | $365,372 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $147,723 |
| Highest Applicant Income | $4,020,000 |
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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,861 | $ 804,775,000 | $ 432,442 | $ 157,000 |
| Houston-The Woodlands-Sugar Land, TX | 993 | $ 353,305,000 | $ 355,795 | $ 147,000 |
| Atlanta-Sandy Springs-Roswell, GA | 873 | $ 326,835,000 | $ 374,381 | $ 155,000 |
| Outside any metro area | 730 | $ 218,480,000 | $ 299,287 | $ 149,436 |
| Austin-Round Rock, TX | 657 | $ 292,585,000 | $ 445,334 | $ 170,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 624 | $ 265,380,000 | $ 425,288 | $ 147,394 |
| Phoenix-Mesa-Scottsdale, AZ | 584 | $ 206,590,000 | $ 353,750 | $ 141,000 |
| Montgomery County-Bucks County-Chester County, PA | 522 | $ 191,050,000 | $ 365,996 | $ 152,000 |
| Raleigh, NC | 490 | $ 198,820,000 | $ 405,755 | $ 158,000 |
| Denver-Aurora-Lakewood, CO | 486 | $ 206,560,000 | $ 425,020 | $ 156,000 |
| Charlotte-Concord-Gastonia, NC-SC | 426 | $ 160,160,000 | $ 375,962 | $ 144,361 |
| Chicago-Naperville, IL | 420 | $ 134,280,000 | $ 319,714 | $ 150,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 402 | $ 157,700,000 | $ 392,288 | $ 146,000 |
| Seattle-Bellevue-Everett, WA | 389 | $ 182,475,000 | $ 469,087 | $ 161,000 |
| Salt Lake City, UT | 379 | $ 143,595,000 | $ 378,878 | $ 124,000 |
| Louisville/Jefferson County, KY-IN | 359 | $ 99,125,000 | $ 276,114 | $ 106,910 |
| Fort Worth-Arlington, TX | 329 | $ 121,225,000 | $ 368,465 | $ 141,000 |
| Pittsburgh, PA | 315 | $ 93,415,000 | $ 296,555 | $ 127,000 |
| Los Angeles-Long Beach-Glendale, CA | 270 | $ 113,780,000 | $ 421,407 | $ 159,000 |
| Ogden-Clearfield, UT | 260 | $ 95,930,000 | $ 368,961 | $ 115,000 |
| Philadelphia, PA | 256 | $ 79,520,000 | $ 310,625 | $ 141,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 244 | $ 83,070,000 | $ 340,450 | $ 131,229 |
| Provo-Orem, UT | 236 | $ 91,580,000 | $ 388,050 | $ 139,000 |
| Oakland-Hayward-Berkeley, CA | 235 | $ 105,735,000 | $ 449,936 | $ 176,000 |
| New York-Newark, NY | 231 | $ 88,445,000 | $ 382,878 | $ 155,000 |
| Indianapolis-Carmel-Anderson, IN | 227 | $ 65,625,000 | $ 289,096 | $ 138,000 |
| Tampa-St. Petersburg-Clearwater, FL | 221 | $ 72,835,000 | $ 329,570 | $ 165,000 |
| Riverside-San Bernardino-Ontario, CA | 218 | $ 81,000,000 | $ 371,559 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 211 | $ 99,675,000 | $ 472,393 | $ 176,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 208 | $ 86,050,000 | $ 413,701 | $ 163,115 |
| Newark, NJ-PA | 192 | $ 74,640,000 | $ 388,750 | $ 168,218 |
| Orlando-Kissimmee-Sanford, FL | 190 | $ 64,470,000 | $ 339,315 | $ 151,000 |
| Lexington-Fayette, KY | 185 | $ 50,345,000 | $ 272,135 | $ 110,000 |
| San Diego-Carlsbad, CA | 185 | $ 83,585,000 | $ 451,810 | $ 161,000 |
| Anaheim-Santa Ana-Irvine, CA | 170 | $ 75,060,000 | $ 441,529 | $ 166,000 |
| Hartford-West Hartford-East Hartford, CT | 165 | $ 47,465,000 | $ 287,666 | $ 137,000 |
| Cambridge-Newton-Framingham, MA | 143 | $ 62,065,000 | $ 434,020 | $ 167,000 |
| San Antonio-New Braunfels, TX | 141 | $ 47,685,000 | $ 338,191 | $ 154,000 |
| Richmond, VA | 135 | $ 46,885,000 | $ 347,296 | $ 137,000 |
| Warren-Troy-Farmington Hills, MI | 135 | $ 45,175,000 | $ 334,629 | $ 150,000 |
| St. Louis, MO-IL | 129 | $ 35,785,000 | $ 277,403 | $ 125,209 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 125 | $ 46,665,000 | $ 373,320 | $ 148,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 123 | $ 44,945,000 | $ 365,406 | $ 154,000 |
| Durham-Chapel Hill, NC | 122 | $ 44,750,000 | $ 366,803 | $ 153,000 |
| Baltimore-Columbia-Towson, MD | 121 | $ 42,805,000 | $ 353,760 | $ 132,000 |
| Lake County-Kenosha County, IL-WI | 118 | $ 42,760,000 | $ 362,372 | $ 158,177 |
| New Haven-Milford, CT | 115 | $ 35,015,000 | $ 304,478 | $ 137,000 |
| Columbus, OH | 110 | $ 33,220,000 | $ 302,000 | $ 136,000 |
| Kansas City, MO-KS | 108 | $ 37,550,000 | $ 347,685 | $ 133,185 |
| Boston, MA | 105 | $ 41,065,000 | $ 391,095 | $ 150,000 |
| New York-Jersey City-White Plains, NY-NJ | 103 | $ 41,695,000 | $ 404,805 | $ 177,000 |
| Jacksonville, FL | 102 | $ 31,950,000 | $ 313,235 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 98 | $ 38,760,000 | $ 395,510 | $ 165,000 |
| Cincinnati, OH-KY-IN | 96 | $ 24,630,000 | $ 256,562 | $ 117,541 |
| Tucson, AZ | 94 | $ 26,830,000 | $ 285,425 | $ 135,000 |
| Camden, NJ | 89 | $ 28,935,000 | $ 325,112 | $ 148,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 88 | $ 24,790,000 | $ 281,704 | $ 116,795 |
| Washington-Baltimore-Arlington, DC | 86 | $ 37,150,000 | $ 431,976 | $ 158,000 |
| Cleveland-Elyria, OH | 84 | $ 25,630,000 | $ 305,119 | $ 145,000 |
| Colorado Springs, CO | 82 | $ 33,030,000 | $ 402,804 | $ 134,000 |
| San Francisco-Redwood City-South San Francisco, CA | 81 | $ 36,975,000 | $ 456,481 | $ 174,000 |
| Stockton-Lodi, CA | 76 | $ 30,010,000 | $ 394,868 | $ 160,000 |
| Tacoma-Lakewood, WA | 72 | $ 26,850,000 | $ 372,916 | $ 142,000 |
| Bend-Redmond, OR | 71 | $ 28,835,000 | $ 406,126 | $ 178,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 69 | $ 26,405,000 | $ 382,681 | $ 160,000 |
| Bridgeport-Stamford-Norwalk, CT | 64 | $ 23,160,000 | $ 361,875 | $ 163,000 |
| Palm Bay-Melbourne-Titusville, FL | 63 | $ 20,485,000 | $ 325,158 | $ 175,000 |
| Harrisburg-Carlisle, PA | 59 | $ 17,335,000 | $ 293,813 | $ 136,000 |
| Cape Coral-Fort Myers, FL | 56 | $ 17,800,000 | $ 317,857 | $ 133,000 |
| North Port-Sarasota-Bradenton, FL | 55 | $ 20,425,000 | $ 371,363 | $ 152,000 |
| Fresno, CA | 53 | $ 14,555,000 | $ 274,622 | $ 167,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 53 | $ 15,285,000 | $ 288,396 | $ 137,490 |
| Oxnard-Thousand Oaks-Ventura, CA | 52 | $ 24,980,000 | $ 480,384 | $ 160,000 |
| Fort Collins, CO | 49 | $ 17,685,000 | $ 360,918 | $ 138,000 |
| Greensboro-High Point, NC | 49 | $ 13,225,000 | $ 269,897 | $ 141,000 |
| Las Vegas-Henderson-Paradise, NV | 49 | $ 15,655,000 | $ 319,489 | $ 121,000 |
| Oklahoma City, OK | 48 | $ 13,250,000 | $ 276,041 | $ 123,000 |
| Santa Rosa, CA | 47 | $ 17,435,000 | $ 370,957 | $ 156,000 |
| Greenville-Anderson-Mauldin, SC | 46 | $ 13,170,000 | $ 286,304 | $ 122,000 |
| Elgin, IL | 45 | $ 13,775,000 | $ 306,111 | $ 132,000 |
| Gainesville, FL | 45 | $ 12,675,000 | $ 281,666 | $ 120,000 |
| Worcester, MA-CT | 44 | $ 15,160,000 | $ 344,545 | $ 191,090 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 43 | $ 12,195,000 | $ 283,604 | $ 127,000 |
| St. George, UT | 43 | $ 14,425,000 | $ 335,465 | $ 128,000 |
| Lancaster, PA | 42 | $ 10,540,000 | $ 250,952 | $ 111,000 |
| Vallejo-Fairfield, CA | 42 | $ 16,020,000 | $ 381,428 | $ 150,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 41 | $ 12,285,000 | $ 299,634 | $ 148,000 |
| Detroit-Dearborn-Livonia, MI | 40 | $ 10,970,000 | $ 274,250 | $ 117,000 |
| Wilmington, NC | 39 | $ 13,605,000 | $ 348,846 | $ 194,000 |
| Reno, NV | 38 | $ 13,840,000 | $ 364,210 | $ 122,000 |
| Charleston-North Charleston, SC | 37 | $ 13,935,000 | $ 376,621 | $ 133,000 |
| Greeley, CO | 37 | $ 14,555,000 | $ 393,378 | $ 153,000 |
| Boulder, CO | 36 | $ 13,940,000 | $ 387,222 | $ 141,000 |
| Milwaukee-Waukesha-West Allis, WI | 36 | $ 8,870,000 | $ 246,388 | $ 110,000 |
| Salem, OR | 34 | $ 10,720,000 | $ 315,294 | $ 115,000 |
| Bakersfield, CA | 33 | $ 8,855,000 | $ 268,333 | $ 134,000 |
| Logan, UT-ID | 33 | $ 11,705,000 | $ 354,696 | $ 129,000 |
| Lynchburg, VA | 33 | $ 8,615,000 | $ 261,060 | $ 97,000 |
| Tulsa, OK | 33 | $ 8,725,000 | $ 264,393 | $ 124,000 |
| Modesto, CA | 32 | $ 10,360,000 | $ 323,750 | $ 113,000 |
| Redding, CA | 32 | $ 9,000,000 | $ 281,250 | $ 110,000 |
| Eugene, OR | 31 | $ 9,045,000 | $ 291,774 | $ 94,000 |
| Kennewick-Richland, WA | 31 | $ 12,525,000 | $ 404,032 | $ 148,000 |
| Lakeland-Winter Haven, FL | 31 | $ 9,245,000 | $ 298,225 | $ 138,000 |
| Memphis, TN-MS-AR | 31 | $ 8,455,000 | $ 272,741 | $ 148,000 |
| Akron, OH | 29 | $ 7,925,000 | $ 273,275 | $ 106,000 |
| Spokane-Spokane Valley, WA | 29 | $ 10,765,000 | $ 371,206 | $ 250,000 |
| Knoxville, TN | 28 | $ 7,680,000 | $ 274,285 | $ 200,000 |
| Prescott Valley-Prescott, AZ | 28 | $ 8,130,000 | $ 290,357 | $ 141,000 |
| Naples-Immokalee-Marco Island, FL | 27 | $ 9,985,000 | $ 369,814 | $ 189,000 |
| Port St. Lucie, FL | 26 | $ 8,360,000 | $ 321,538 | $ 164,000 |
| Columbia, SC | 25 | $ 6,345,000 | $ 253,800 | $ 116,000 |
| York-Hanover, PA | 25 | $ 6,005,000 | $ 240,200 | $ 125,000 |
| Santa Cruz-Watsonville, CA | 24 | $ 12,000,000 | $ 500,000 | $ 147,000 |
| Ann Arbor, MI | 23 | $ 8,435,000 | $ 366,739 | $ 178,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 23 | $ 8,105,000 | $ 352,391 | $ 226,000 |
| Tallahassee, FL | 22 | $ 6,950,000 | $ 315,909 | $ 175,000 |
| Asheville, NC | 21 | $ 6,995,000 | $ 333,095 | $ 143,000 |
| Gary, IN | 21 | $ 5,045,000 | $ 240,238 | $ 239,000 |
| Olympia-Tumwater, WA | 21 | $ 8,455,000 | $ 402,619 | $ 134,000 |
| Winston-Salem, NC | 21 | $ 6,155,000 | $ 293,095 | $ 138,000 |
| Chattanooga, TN-GA | 20 | $ 5,630,000 | $ 281,500 | $ 137,650 |
| Gainesville, GA | 20 | $ 5,730,000 | $ 286,500 | $ 127,000 |
| Grand Rapids-Wyoming, MI | 20 | $ 5,730,000 | $ 286,500 | $ 119,000 |
| Yuba City, CA | 20 | $ 6,450,000 | $ 322,500 | $ 101,000 |
| Bellingham, WA | 19 | $ 6,255,000 | $ 329,210 | $ 143,000 |
| Grand Junction, CO | 19 | $ 4,575,000 | $ 240,789 | $ 93,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 5,595,000 | $ 294,473 | $ 169,000 |
| Savannah, GA | 19 | $ 6,695,000 | $ 352,368 | $ 176,000 |
| Chico, CA | 18 | $ 6,230,000 | $ 346,111 | $ 115,000 |
| College Station-Bryan, TX | 18 | $ 4,730,000 | $ 262,777 | $ 227,000 |
| Norwich-New London, CT | 18 | $ 6,370,000 | $ 353,888 | $ 174,000 |
| Ocala, FL | 18 | $ 4,300,000 | $ 238,888 | $ 116,000 |
| Bremerton-Silverdale, WA | 17 | $ 7,825,000 | $ 460,294 | $ 144,000 |
| Providence-Warwick, RI-MA | 17 | $ 6,635,000 | $ 390,294 | $ 122,000 |
| Punta Gorda, FL | 17 | $ 5,525,000 | $ 325,000 | $ 123,000 |
| Salinas, CA | 17 | $ 5,775,000 | $ 339,705 | $ 124,000 |
| State College, PA | 17 | $ 4,435,000 | $ 260,882 | $ 142,000 |
| The Villages, FL | 17 | $ 4,425,000 | $ 260,294 | $ 117,000 |
| Boise City, ID | 16 | $ 6,170,000 | $ 385,625 | $ 167,000 |
| Flagstaff, AZ | 16 | $ 5,760,000 | $ 360,000 | $ 178,000 |
| Killeen-Temple, TX | 16 | $ 3,850,000 | $ 240,625 | $ 187,000 |
| Lake Havasu City-Kingman, AZ | 16 | $ 4,020,000 | $ 251,250 | $ 89,000 |
| Santa Maria-Santa Barbara, CA | 16 | $ 6,210,000 | $ 388,125 | $ 137,000 |
| Trenton, NJ | 16 | $ 5,040,000 | $ 315,000 | $ 151,000 |
| Coeur D'Alene, ID | 15 | $ 4,075,000 | $ 271,666 | $ 100,000 |
| Columbus, GA-AL | 15 | $ 3,245,000 | $ 216,333 | $ 107,000 |
| Corvallis, OR | 15 | $ 5,425,000 | $ 361,666 | $ 210,000 |
| Sherman-Denison, TX | 15 | $ 5,045,000 | $ 336,333 | $ 175,000 |
| Barnstable Town, MA | 14 | $ 5,590,000 | $ 399,285 | $ 235,000 |
| Fayetteville, NC | 14 | $ 3,620,000 | $ 258,571 | $ 151,000 |
| Madison, WI | 14 | $ 4,800,000 | $ 342,857 | $ 158,000 |
| Augusta-Richmond County, GA-SC | 13 | $ 3,255,000 | $ 250,384 | $ 106,384 |
| Dayton-Springfield-Kettering, OH | 13 | $ 3,695,000 | $ 284,230 | $ 126,000 |
| East Stroudsburg, PA | 13 | $ 3,555,000 | $ 273,461 | $ 188,000 |
| Merced, CA | 13 | $ 4,045,000 | $ 311,153 | $ 124,000 |
| Reading, PA | 13 | $ 2,575,000 | $ 198,076 | $ 104,000 |
| Springfield, MA | 13 | $ 3,395,000 | $ 261,153 | $ 141,000 |
| Atlantic City-Hammonton, NJ | 12 | $ 3,980,000 | $ 331,666 | $ 245,000 |
| Madera, CA | 12 | $ 2,890,000 | $ 240,833 | $ 154,000 |
| Medford, OR | 12 | $ 3,520,000 | $ 293,333 | $ 144,000 |
| Napa, CA | 12 | $ 4,060,000 | $ 338,333 | $ 149,000 |
| Wenatchee, WA | 12 | $ 5,280,000 | $ 440,000 | $ 138,000 |
| Athens-Clarke County, GA | 11 | $ 2,325,000 | $ 211,363 | $ 122,000 |
| Hickory-Lenoir-Morganton, NC | 11 | $ 2,545,000 | $ 231,363 | $ 72,000 |
| Sebastian-Vero Beach, FL | 11 | $ 3,455,000 | $ 314,090 | $ 94,000 |
| Bloomington, IN | 10 | $ 3,010,000 | $ 301,000 | $ 123,000 |
| Canton-Massillon, OH | 10 | $ 1,560,000 | $ 156,000 | $ 115,000 |
| Greenville, NC | 10 | $ 1,840,000 | $ 184,000 | $ 132,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 2,870,000 | $ 287,000 | $ 145,000 |
| Lafayette-West Lafayette, IN | 10 | $ 1,760,000 | $ 176,000 | $ 198,000 |
| San Rafael, CA | 10 | $ 4,510,000 | $ 451,000 | $ 174,000 |
| Waco, TX | 10 | $ 3,740,000 | $ 374,000 | $ 196,000 |
| Albany, OR | 9 | $ 2,725,000 | $ 302,777 | $ 141,000 |
| Bloomington, IL | 9 | $ 2,195,000 | $ 243,888 | $ 131,000 |
| Burlington, NC | 9 | $ 2,165,000 | $ 240,555 | $ 87,000 |
| Corpus Christi, TX | 9 | $ 3,125,000 | $ 347,222 | $ 192,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 1,765,000 | $ 196,111 | $ 89,000 |
| Lubbock, TX | 9 | $ 1,865,000 | $ 207,222 | $ 107,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 9 | $ 2,765,000 | $ 307,222 | $ 160,000 |
| Youngstown-Warren-Boardman, OH-PA | 9 | $ 1,495,000 | $ 166,111 | $ 82,333 |
| Lansing-East Lansing, MI | 8 | $ 2,410,000 | $ 301,250 | $ 157,000 |
| Lebanon, PA | 8 | $ 2,490,000 | $ 311,250 | $ 106,000 |
| Longview, WA | 8 | $ 2,380,000 | $ 297,500 | $ 106,000 |
| Peoria, IL | 8 | $ 2,040,000 | $ 255,000 | $ 103,000 |
| Roanoke, VA | 8 | $ 1,870,000 | $ 233,750 | $ 137,000 |
| Salisbury, MD-DE | 8 | $ 2,190,000 | $ 273,750 | $ 188,000 |
| Spartanburg, SC | 8 | $ 2,010,000 | $ 251,250 | $ 94,000 |
| Beaumont-Port Arthur, TX | 7 | $ 2,025,000 | $ 289,285 | $ 119,000 |
| Chambersburg-Waynesboro, PA | 7 | $ 1,835,000 | $ 262,142 | $ 113,000 |
| Charlottesville, VA | 7 | $ 2,095,000 | $ 299,285 | $ 143,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,875,000 | $ 410,714 | $ 225,000 |
| Johnson City, TN | 7 | $ 1,745,000 | $ 249,285 | $ 145,000 |
| Warner Robins, GA | 7 | $ 2,195,000 | $ 313,571 | $ 204,000 |
| Yakima, WA | 7 | $ 1,345,000 | $ 192,142 | $ 162,000 |
| Brownsville-Harlingen, TX | 6 | $ 1,450,000 | $ 241,666 | $ 125,000 |
| Clarksville, TN-KY | 6 | $ 1,270,000 | $ 211,666 | $ 118,000 |
| Hinesville, GA | 6 | $ 1,060,000 | $ 176,666 | $ 124,000 |
| Idaho Falls, ID | 6 | $ 2,110,000 | $ 351,666 | $ 123,000 |
| Jacksonville, NC | 6 | $ 1,700,000 | $ 283,333 | $ 153,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 1,570,000 | $ 261,666 | $ 101,000 |
| Macon-Bibb County, GA | 6 | $ 1,450,000 | $ 241,666 | $ 90,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 1,410,000 | $ 235,000 | $ 211,000 |
| Monroe, MI | 6 | $ 1,120,000 | $ 186,666 | $ 184,000 |
| Panama City, FL | 6 | $ 2,040,000 | $ 340,000 | $ 165,000 |
| Sierra Vista-Douglas, AZ | 6 | $ 1,270,000 | $ 211,666 | $ 78,000 |
| Tyler, TX | 6 | $ 1,140,000 | $ 190,000 | $ 93,000 |
| Florence, SC | 5 | $ 845,000 | $ 169,000 | $ 95,000 |
| Kokomo, IN | 5 | $ 1,175,000 | $ 235,000 | $ 84,000 |
| Pueblo, CO | 5 | $ 1,425,000 | $ 285,000 | $ 99,000 |
| South Bend-Mishawaka, IN-MI | 5 | $ 975,000 | $ 195,000 | $ 66,200 |
| Springfield, MO | 5 | $ 1,115,000 | $ 223,000 | $ 133,000 |
| Visalia-Porterville, CA | 5 | $ 1,215,000 | $ 243,000 | $ 86,000 |
| Wichita, KS | 5 | $ 1,585,000 | $ 317,000 | $ 140,000 |
| Wilmington, DE-MD-NJ | 5 | $ 1,675,000 | $ 335,000 | $ 164,600 |
| Albany, GA | 4 | $ 700,000 | $ 175,000 | $ 96,000 |
| Bowling Green, KY | 4 | $ 1,540,000 | $ 385,000 | $ 131,000 |
| Carson City, NV | 4 | $ 1,520,000 | $ 380,000 | $ 101,000 |
| Columbus, IN | 4 | $ 750,000 | $ 187,500 | $ 160,000 |
| El Paso, TX | 4 | $ 970,000 | $ 242,500 | $ 176,000 |
| Hanford-Corcoran, CA | 4 | $ 680,000 | $ 170,000 | $ 127,000 |
| Jackson, TN | 4 | $ 1,130,000 | $ 282,500 | $ 95,000 |
| Laredo, TX | 4 | $ 830,000 | $ 207,500 | $ 180,000 |
| Midland, TX | 4 | $ 1,230,000 | $ 307,500 | $ 117,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 2,090,000 | $ 522,500 | $ 157,000 |
| New Orleans-Metairie, LA | 4 | $ 1,360,000 | $ 340,000 | $ 0 |
| Ocean City, NJ | 4 | $ 1,080,000 | $ 270,000 | $ 173,000 |
| Rochester, MN | 4 | $ 1,420,000 | $ 355,000 | $ 132,000 |
| Sebring, FL | 4 | $ 660,000 | $ 165,000 | $ 70,000 |
| Toledo, OH | 4 | $ 730,000 | $ 182,500 | $ 112,000 |
| Valdosta, GA | 4 | $ 730,000 | $ 182,500 | $ 91,000 |
| Vineland-Bridgeton, NJ | 4 | $ 720,000 | $ 180,000 | $ 69,000 |
| Yuma, AZ | 4 | $ 820,000 | $ 205,000 | $ 84,000 |
| Albuquerque, NM | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Birmingham-Hoover, AL | 3 | $ 395,000 | $ 131,666 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 725,000 | $ 241,666 | $ 117,000 |
| Columbia, MO | 3 | $ 765,000 | $ 255,000 | $ 69,000 |
| Elkhart-Goshen, IN | 3 | $ 355,000 | $ 118,333 | $ 81,000 |
| Flint, MI | 3 | $ 365,000 | $ 121,666 | $ 58,000 |
| Fort Wayne, IN | 3 | $ 635,000 | $ 211,666 | $ 125,000 |
| Gettysburg, PA | 3 | $ 1,005,000 | $ 335,000 | $ 163,000 |
| Grants Pass, OR | 3 | $ 1,275,000 | $ 425,000 | $ 175,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,005,000 | $ 335,000 | $ 173,000 |
| Homosassa Springs, FL | 3 | $ 425,000 | $ 141,666 | $ 140,000 |
| Longview, TX | 3 | $ 315,000 | $ 105,000 | $ 149,000 |
| Mansfield, OH | 3 | $ 415,000 | $ 138,333 | $ 120,000 |
| New Bern, NC | 3 | $ 475,000 | $ 158,333 | $ 101,000 |
| St. Cloud, MN | 3 | $ 825,000 | $ 275,000 | $ 194,000 |
| Topeka, KS | 3 | $ 855,000 | $ 285,000 | $ 174,000 |
| Walla Walla, WA | 3 | $ 985,000 | $ 328,333 | $ 86,000 |
| Amarillo, TX | 2 | $ 520,000 | $ 260,000 | $ 108,000 |
| Battle Creek, MI | 2 | $ 140,000 | $ 70,000 | $ 140,000 |
| Bloomsburg-Berwick, PA | 2 | $ 310,000 | $ 155,000 | $ 79,000 |
| Brunswick, GA | 2 | $ 470,000 | $ 235,000 | $ 76,000 |
| Cape Girardeau, MO-IL | 2 | $ 750,000 | $ 375,000 | $ 238,000 |
| Cleveland, TN | 2 | $ 300,000 | $ 150,000 | $ 48,000 |
| El Centro, CA | 2 | $ 380,000 | $ 190,000 | $ 97,000 |
| Evansville, IN-KY | 2 | $ 490,000 | $ 245,000 | $ 93,000 |
| Goldsboro, NC | 2 | $ 540,000 | $ 270,000 | $ 96,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 490,000 | $ 245,000 | $ 125,000 |
| Jackson, MI | 2 | $ 580,000 | $ 290,000 | $ 106,000 |
| Johnstown, PA | 2 | $ 270,000 | $ 135,000 | $ 242,000 |
| Joplin, MO | 2 | $ 550,000 | $ 275,000 | $ 99,000 |
| Kalamazoo-Portage, MI | 2 | $ 690,000 | $ 345,000 | $ 149,000 |
| Michigan City-La Porte, IN | 2 | $ 410,000 | $ 205,000 | $ 98,000 |
| Odessa, TX | 2 | $ 450,000 | $ 225,000 | $ 91,000 |
| Owensboro, KY | 2 | $ 440,000 | $ 220,000 | $ 70,000 |
| Rockford, IL | 2 | $ 360,000 | $ 180,000 | $ 160,000 |
| San Angelo, TX | 2 | $ 440,000 | $ 220,000 | $ 170,000 |
| Williamsport, PA | 2 | $ 450,000 | $ 225,000 | $ 194,000 |
| Abilene, TX | 1 | $ 185,000 | $ 185,000 | $ 220,000 |
| Altoona, PA | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Appleton, WI | 1 | $ 585,000 | $ 585,000 | $ 205,000 |
| Baton Rouge, LA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Bay City, MI | 1 | $ 215,000 | $ 215,000 | $ 120,000 |
| California-Lexington Park, MD | 1 | $ 365,000 | $ 365,000 | $ 191,000 |
| Carbondale-Marion, IL | 1 | $ 95,000 | $ 95,000 | $ 71,000 |
| Champaign-Urbana, IL | 1 | $ 405,000 | $ 405,000 | $ 78,000 |
| Dalton, GA | 1 | $ 375,000 | $ 375,000 | $ 88,000 |
| Duluth, MN-WI | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Erie, PA | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Hammond, LA | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Lawrence, KS | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Manchester-Nashua, NH | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Manhattan, KS | 1 | $ 375,000 | $ 375,000 | $ 110,000 |
| Mankato-North Mankato, MN | 1 | $ 205,000 | $ 205,000 | $ 193,000 |
| Midland, MI | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Morristown, TN | 1 | $ 75,000 | $ 75,000 | $ 295,000 |
| Muncie, IN | 1 | $ 225,000 | $ 225,000 | $ 140,000 |
| Muskegon, MI | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Niles-Benton Harbor, MI | 1 | $ 365,000 | $ 365,000 | $ 202,000 |
| Oshkosh-Neenah, WI | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Pocatello, ID | 1 | $ 265,000 | $ 265,000 | $ 55,000 |
| Racine, WI | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Rockingham County-Strafford County, NH | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 95,000 | $ 95,000 | $ 22,000 |
| Saginaw, MI | 1 | $ 335,000 | $ 335,000 | $ 151,000 |
| Santa Fe, NM | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Springfield, OH | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| St. Joseph, MO-KS | 1 | $ 185,000 | $ 185,000 | $ 74,000 |
| Sumter, SC | 1 | $ 335,000 | $ 335,000 | $ 180,000 |
| Terre Haute, IN | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| Twin Falls, ID | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wausau, WI | 1 | $ 145,000 | $ 145,000 | $ 694,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2022
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 | 14,453 | $5,739,715,000 | $397,000 | $2,005,000 | $154,000 | $4,020,000 |
| Refinancing | 3,684 | $1,055,040,000 | $286,000 | $1,485,000 | $131,000 | $3,720,000 |
| Cash-out Refinancing | 2,993 | $925,565,000 | $309,000 | $1,135,000 | $138,000 | $2,484,000 |
| 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 | 8,039 | $2,734,615,000 | $340,000 | $2,005,000 | $142,000 | $2,484,000 |
| Asian | 6,468 | $2,676,130,000 | $413,000 | $1,575,000 | $158,000 | $4,020,000 |
| Not Provided | 4,399 | $1,567,215,000 | $356,000 | $1,875,000 | $148,000 | $3,720,000 |
| Hispanic | 910 | $307,140,000 | $337,000 | $1,175,000 | $132,000 | $1,551,000 |
| Not applicable | 877 | $296,275,000 | $337,000 | $1,485,000 | $0 | $0 |
| Black or African American | 383 | $118,365,000 | $309,000 | $1,175,000 | $126,000 | $2,700,000 |
| American Indian or Alaskan Native | 34 | $12,480,000 | $367,000 | $645,000 | $152,000 | $467,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $8,100,000 | $405,000 | $645,000 | $129,000 | $390,000 |
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) | 21,130 | $7,720,320,000 | $365,000 | $2,005,000 | $148,000 | $4,020,000 |
| 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 | 11,098 | $4,007,860,000 | $361,000 | $1,705,000 | $141,000 | $1,347,000 |
| Application Withdrawn By Applicant | 5,348 | $2,018,470,000 | $377,000 | $2,005,000 | $161,000 | $4,020,000 |
| File Closed For Incompleteness | 1,919 | $773,835,000 | $403,000 | $1,505,000 | $164,000 | $3,720,000 |
| Application Denied By Financial Institution | 1,720 | $562,860,000 | $327,000 | $1,705,000 | $132,000 | $2,393,000 |
| Loan Purchased By The Institution | 877 | $296,275,000 | $337,000 | $1,485,000 | $0 | $0 |
| Application Approved But Not Accepted | 168 | $61,020,000 | $363,000 | $1,315,000 | $142,000 | $1,102,000 |
| 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 | 19,410 | $7,157,460,000 | $368,000 | $2,005,000 | $149,000 | $4,020,000 |
| Credit History | 522 | $135,180,000 | $258,000 | $1,575,000 | $114,000 | $2,393,000 |
| Debt-To-Income Ratio | 468 | $176,880,000 | $377,000 | $1,705,000 | $93,000 | $427,000 |
| Collateral | 457 | $158,955,000 | $347,000 | $1,605,000 | $193,000 | $2,133,000 |
| Other | 133 | $42,145,000 | $316,000 | $645,000 | $154,000 | $1,586,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 49 | $18,315,000 | $373,000 | $785,000 | $122,000 | $276,000 |
| Employment History | 45 | $15,975,000 | $355,000 | $645,000 | $94,000 | $360,000 |
| Unverifiable Information | 33 | $11,565,000 | $350,000 | $645,000 | $85,000 | $230,000 |
| Mortgage Insurance Denied | 13 | $3,845,000 | $295,000 | $815,000 | $92,000 | $285,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2022 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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