Provident Funding Associates Mortgage Lending & HMDA Data, 2023
In 2023, Provident Funding Associates of Santa Rosa, CA reported 20,241 mortgage applications totaling $8.2 billion, down 4% from 2022. The average application was for $403,218, and applicants reported an average income of $171,740. 59% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Dallas-Plano-Irving, TX (2,193), Atlanta-Sandy Springs-Roswell, GA (1,110) and Houston-The Woodlands-Sugar Land, TX (1,029) (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 | 20,241 |
| Total Mortgage Loan Application Amount | $8,161,555,000 |
| Average Mortgage Loan Application Amount | $403,218 |
| Highest Mortgage Loan Application Amount | $1,395,000 |
| Average Applicant Income | $171,740 |
| 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records Provident Funding Associates filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,193 | $ 1,020,235,000 | $ 465,223 | $ 188,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1,110 | $ 470,190,000 | $ 423,594 | $ 173,000 |
| Houston-The Woodlands-Sugar Land, TX | 1,029 | $ 387,495,000 | $ 376,574 | $ 194,000 |
| Austin-Round Rock, TX | 640 | $ 287,710,000 | $ 449,546 | $ 205,000 |
| Outside any metro area | 588 | $ 191,820,000 | $ 326,224 | $ 154,428 |
| Montgomery County-Bucks County-Chester County, PA | 532 | $ 220,190,000 | $ 413,890 | $ 179,000 |
| Charlotte-Concord-Gastonia, NC-SC | 480 | $ 190,690,000 | $ 397,270 | $ 166,929 |
| Portland-Vancouver-Hillsboro, OR-WA | 480 | $ 225,540,000 | $ 469,875 | $ 172,675 |
| Phoenix-Mesa-Scottsdale, AZ | 478 | $ 197,810,000 | $ 413,828 | $ 181,000 |
| Raleigh, NC | 424 | $ 183,910,000 | $ 433,750 | $ 179,000 |
| Chicago-Naperville, IL | 416 | $ 144,030,000 | $ 346,225 | $ 154,000 |
| Denver-Aurora-Lakewood, CO | 382 | $ 184,750,000 | $ 483,638 | $ 170,000 |
| Fort Worth-Arlington, TX | 365 | $ 130,065,000 | $ 356,342 | $ 155,000 |
| New York-Newark, NY | 359 | $ 162,625,000 | $ 452,994 | $ 177,000 |
| Tampa-St. Petersburg-Clearwater, FL | 328 | $ 125,800,000 | $ 383,536 | $ 159,000 |
| Philadelphia, PA | 324 | $ 116,170,000 | $ 358,549 | $ 155,000 |
| Pittsburgh, PA | 317 | $ 92,635,000 | $ 292,223 | $ 135,000 |
| Seattle-Bellevue-Everett, WA | 312 | $ 163,160,000 | $ 522,948 | $ 185,000 |
| Louisville/Jefferson County, KY-IN | 302 | $ 94,860,000 | $ 314,105 | $ 139,615 |
| Sacramento--Roseville--Arden-Arcade, CA | 287 | $ 125,915,000 | $ 438,728 | $ 173,000 |
| Warren-Troy-Farmington Hills, MI | 252 | $ 92,580,000 | $ 367,380 | $ 142,000 |
| Salt Lake City, UT | 228 | $ 99,830,000 | $ 437,850 | $ 179,000 |
| Los Angeles-Long Beach-Glendale, CA | 222 | $ 112,960,000 | $ 508,828 | $ 190,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 209 | $ 75,745,000 | $ 362,416 | $ 152,952 |
| Ogden-Clearfield, UT | 199 | $ 76,505,000 | $ 384,447 | $ 134,000 |
| Richmond, VA | 194 | $ 72,320,000 | $ 372,783 | $ 156,000 |
| Oakland-Hayward-Berkeley, CA | 190 | $ 101,170,000 | $ 532,473 | $ 179,000 |
| Orlando-Kissimmee-Sanford, FL | 190 | $ 71,930,000 | $ 378,578 | $ 181,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 190 | $ 91,920,000 | $ 483,789 | $ 176,473 |
| San Diego-Carlsbad, CA | 181 | $ 102,085,000 | $ 564,005 | $ 203,000 |
| Newark, NJ-PA | 166 | $ 74,580,000 | $ 449,277 | $ 186,295 |
| Riverside-San Bernardino-Ontario, CA | 165 | $ 74,475,000 | $ 451,363 | $ 169,000 |
| Indianapolis-Carmel-Anderson, IN | 158 | $ 47,050,000 | $ 297,784 | $ 144,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 149 | $ 65,635,000 | $ 440,503 | $ 174,000 |
| Kansas City, MO-KS | 136 | $ 53,490,000 | $ 393,308 | $ 151,507 |
| New York-Jersey City-White Plains, NY-NJ | 134 | $ 65,960,000 | $ 492,238 | $ 198,000 |
| Durham-Chapel Hill, NC | 131 | $ 48,245,000 | $ 368,282 | $ 173,000 |
| Provo-Orem, UT | 126 | $ 57,410,000 | $ 455,634 | $ 142,000 |
| Jacksonville, FL | 125 | $ 45,795,000 | $ 366,360 | $ 171,000 |
| San Antonio-New Braunfels, TX | 125 | $ 41,715,000 | $ 333,720 | $ 164,000 |
| Hartford-West Hartford-East Hartford, CT | 123 | $ 34,345,000 | $ 279,227 | $ 134,000 |
| Lexington-Fayette, KY | 123 | $ 35,245,000 | $ 286,544 | $ 151,000 |
| Baltimore-Columbia-Towson, MD | 120 | $ 48,650,000 | $ 405,416 | $ 185,000 |
| St. Louis, MO-IL | 116 | $ 39,140,000 | $ 337,413 | $ 147,775 |
| Anaheim-Santa Ana-Irvine, CA | 115 | $ 61,525,000 | $ 535,000 | $ 193,000 |
| Lake County-Kenosha County, IL-WI | 107 | $ 42,255,000 | $ 394,906 | $ 174,775 |
| Camden, NJ | 106 | $ 39,020,000 | $ 368,113 | $ 180,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 100 | $ 38,230,000 | $ 382,300 | $ 148,000 |
| Washington-Baltimore-Arlington, DC | 99 | $ 46,675,000 | $ 471,464 | $ 172,000 |
| North Port-Sarasota-Bradenton, FL | 89 | $ 35,995,000 | $ 404,438 | $ 187,000 |
| Cambridge-Newton-Framingham, MA | 88 | $ 37,360,000 | $ 424,545 | $ 167,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 87 | $ 28,215,000 | $ 324,310 | $ 135,988 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 86 | $ 41,700,000 | $ 484,883 | $ 220,000 |
| Bend-Redmond, OR | 84 | $ 41,220,000 | $ 490,714 | $ 184,000 |
| Oklahoma City, OK | 83 | $ 24,655,000 | $ 297,048 | $ 143,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 83 | $ 48,845,000 | $ 588,493 | $ 228,000 |
| New Haven-Milford, CT | 82 | $ 27,280,000 | $ 332,682 | $ 152,000 |
| Columbus, OH | 81 | $ 25,285,000 | $ 312,160 | $ 137,000 |
| Milwaukee-Waukesha-West Allis, WI | 79 | $ 27,585,000 | $ 349,177 | $ 127,000 |
| Harrisburg-Carlisle, PA | 75 | $ 22,715,000 | $ 302,866 | $ 132,000 |
| Miami-Miami Beach-Kendall, FL | 74 | $ 35,870,000 | $ 484,729 | $ 244,000 |
| Cincinnati, OH-KY-IN | 73 | $ 22,065,000 | $ 302,260 | $ 134,726 |
| Boston, MA | 68 | $ 29,250,000 | $ 430,147 | $ 167,000 |
| Charleston-North Charleston, SC | 68 | $ 27,090,000 | $ 398,382 | $ 171,000 |
| Cape Coral-Fort Myers, FL | 65 | $ 25,215,000 | $ 387,923 | $ 199,000 |
| Cleveland-Elyria, OH | 65 | $ 16,555,000 | $ 254,692 | $ 120,000 |
| Colorado Springs, CO | 64 | $ 25,360,000 | $ 396,250 | $ 174,000 |
| Tucson, AZ | 63 | $ 19,195,000 | $ 304,682 | $ 134,000 |
| Detroit-Dearborn-Livonia, MI | 60 | $ 20,410,000 | $ 340,166 | $ 181,000 |
| Greenville-Anderson-Mauldin, SC | 57 | $ 18,335,000 | $ 321,666 | $ 133,000 |
| Lancaster, PA | 52 | $ 15,670,000 | $ 301,346 | $ 134,000 |
| Tacoma-Lakewood, WA | 50 | $ 21,380,000 | $ 427,600 | $ 152,000 |
| Palm Bay-Melbourne-Titusville, FL | 49 | $ 18,075,000 | $ 368,877 | $ 143,000 |
| Trenton, NJ | 49 | $ 19,005,000 | $ 387,857 | $ 167,000 |
| San Francisco-Redwood City-South San Francisco, CA | 46 | $ 26,280,000 | $ 571,304 | $ 249,000 |
| Boulder, CO | 44 | $ 19,360,000 | $ 440,000 | $ 190,000 |
| Greensboro-High Point, NC | 44 | $ 14,160,000 | $ 321,818 | $ 129,000 |
| Knoxville, TN | 44 | $ 16,270,000 | $ 369,772 | $ 150,000 |
| Lynchburg, VA | 44 | $ 10,690,000 | $ 242,954 | $ 111,000 |
| Providence-Warwick, RI-MA | 44 | $ 17,950,000 | $ 407,954 | $ 145,000 |
| St. George, UT | 42 | $ 15,370,000 | $ 365,952 | $ 149,000 |
| Stockton-Lodi, CA | 42 | $ 20,420,000 | $ 486,190 | $ 194,000 |
| Worcester, MA-CT | 41 | $ 16,465,000 | $ 401,585 | $ 164,219 |
| Bridgeport-Stamford-Norwalk, CT | 39 | $ 17,265,000 | $ 442,692 | $ 182,000 |
| Spokane-Spokane Valley, WA | 39 | $ 14,085,000 | $ 361,153 | $ 144,000 |
| Wilmington, NC | 39 | $ 13,935,000 | $ 357,307 | $ 185,000 |
| Las Vegas-Henderson-Paradise, NV | 37 | $ 13,195,000 | $ 356,621 | $ 130,000 |
| Fort Collins, CO | 36 | $ 14,670,000 | $ 407,500 | $ 185,000 |
| Fresno, CA | 36 | $ 12,830,000 | $ 356,388 | $ 176,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 35 | $ 16,165,000 | $ 461,857 | $ 205,000 |
| Salem, OR | 34 | $ 13,770,000 | $ 405,000 | $ 166,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 33 | $ 10,285,000 | $ 311,666 | $ 210,575 |
| Port St. Lucie, FL | 33 | $ 11,495,000 | $ 348,333 | $ 190,000 |
| Ann Arbor, MI | 32 | $ 11,060,000 | $ 345,625 | $ 153,000 |
| Tallahassee, FL | 32 | $ 10,490,000 | $ 327,812 | $ 146,000 |
| Lakeland-Winter Haven, FL | 31 | $ 9,795,000 | $ 315,967 | $ 167,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 30 | $ 11,020,000 | $ 367,333 | $ 185,300 |
| Elgin, IL | 29 | $ 9,775,000 | $ 337,068 | $ 158,000 |
| Eugene, OR | 29 | $ 10,095,000 | $ 348,103 | $ 146,000 |
| McAllen-Edinburg-Mission, TX | 29 | $ 9,555,000 | $ 329,482 | $ 194,000 |
| Santa Rosa, CA | 29 | $ 14,705,000 | $ 507,068 | $ 172,000 |
| Memphis, TN-MS-AR | 28 | $ 8,450,000 | $ 301,785 | $ 159,000 |
| Columbia, SC | 27 | $ 8,495,000 | $ 314,629 | $ 119,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 27 | $ 8,645,000 | $ 320,185 | $ 145,000 |
| Winston-Salem, NC | 27 | $ 8,905,000 | $ 329,814 | $ 137,000 |
| Augusta-Richmond County, GA-SC | 25 | $ 7,445,000 | $ 297,800 | $ 132,680 |
| Boise City, ID | 25 | $ 10,515,000 | $ 420,600 | $ 188,000 |
| Corvallis, OR | 25 | $ 10,815,000 | $ 432,600 | $ 157,000 |
| Peoria, IL | 25 | $ 6,345,000 | $ 253,800 | $ 170,000 |
| Sherman-Denison, TX | 25 | $ 7,255,000 | $ 290,200 | $ 207,000 |
| Wichita, KS | 25 | $ 7,145,000 | $ 285,800 | $ 121,000 |
| Athens-Clarke County, GA | 24 | $ 8,490,000 | $ 353,750 | $ 135,000 |
| Grand Rapids-Wyoming, MI | 24 | $ 8,850,000 | $ 368,750 | $ 158,000 |
| Greeley, CO | 24 | $ 8,570,000 | $ 357,083 | $ 241,000 |
| Naples-Immokalee-Marco Island, FL | 24 | $ 11,170,000 | $ 465,416 | $ 223,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 23 | $ 10,335,000 | $ 449,347 | $ 136,000 |
| Spartanburg, SC | 23 | $ 6,125,000 | $ 266,304 | $ 152,000 |
| Asheville, NC | 22 | $ 8,850,000 | $ 402,272 | $ 190,000 |
| Gainesville, FL | 22 | $ 6,750,000 | $ 306,818 | $ 129,000 |
| Gainesville, GA | 21 | $ 7,305,000 | $ 347,857 | $ 201,000 |
| Modesto, CA | 21 | $ 6,765,000 | $ 322,142 | $ 216,000 |
| Bakersfield, CA | 20 | $ 8,190,000 | $ 409,500 | $ 204,000 |
| Ocala, FL | 20 | $ 5,390,000 | $ 269,500 | $ 119,000 |
| Akron, OH | 19 | $ 4,755,000 | $ 250,263 | $ 145,000 |
| Reading, PA | 19 | $ 5,865,000 | $ 308,684 | $ 139,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 19 | $ 5,425,000 | $ 285,526 | $ 128,000 |
| Tulsa, OK | 19 | $ 5,345,000 | $ 281,315 | $ 133,000 |
| Killeen-Temple, TX | 18 | $ 5,060,000 | $ 281,111 | $ 246,000 |
| Lake Havasu City-Kingman, AZ | 18 | $ 3,870,000 | $ 215,000 | $ 125,000 |
| Vallejo-Fairfield, CA | 18 | $ 7,070,000 | $ 392,777 | $ 372,000 |
| Barnstable Town, MA | 17 | $ 6,885,000 | $ 405,000 | $ 134,000 |
| Lubbock, TX | 17 | $ 4,905,000 | $ 288,529 | $ 183,000 |
| Norwich-New London, CT | 17 | $ 5,435,000 | $ 319,705 | $ 131,000 |
| Prescott Valley-Prescott, AZ | 17 | $ 5,255,000 | $ 309,117 | $ 170,000 |
| Punta Gorda, FL | 17 | $ 5,705,000 | $ 335,588 | $ 134,000 |
| Reno, NV | 17 | $ 7,365,000 | $ 433,235 | $ 192,000 |
| Savannah, GA | 17 | $ 4,065,000 | $ 239,117 | $ 88,000 |
| College Station-Bryan, TX | 16 | $ 4,840,000 | $ 302,500 | $ 167,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 16 | $ 6,540,000 | $ 408,750 | $ 219,000 |
| York-Hanover, PA | 16 | $ 4,180,000 | $ 261,250 | $ 135,000 |
| Chattanooga, TN-GA | 15 | $ 5,545,000 | $ 369,666 | $ 146,666 |
| Pensacola-Ferry Pass-Brent, FL | 15 | $ 4,375,000 | $ 291,666 | $ 165,000 |
| East Stroudsburg, PA | 14 | $ 3,880,000 | $ 277,142 | $ 150,000 |
| Olympia-Tumwater, WA | 14 | $ 5,760,000 | $ 411,428 | $ 181,000 |
| Albany, OR | 13 | $ 4,785,000 | $ 368,076 | $ 144,000 |
| Bellingham, WA | 13 | $ 6,245,000 | $ 480,384 | $ 188,000 |
| Corpus Christi, TX | 13 | $ 4,495,000 | $ 345,769 | $ 378,000 |
| Dayton-Springfield-Kettering, OH | 13 | $ 3,215,000 | $ 247,307 | $ 99,000 |
| Erie, PA | 13 | $ 2,815,000 | $ 216,538 | $ 102,000 |
| Homosassa Springs, FL | 13 | $ 3,455,000 | $ 265,769 | $ 135,000 |
| Kennewick-Richland, WA | 13 | $ 5,365,000 | $ 412,692 | $ 120,000 |
| Salinas, CA | 13 | $ 7,025,000 | $ 540,384 | $ 176,000 |
| Salisbury, MD-DE | 12 | $ 3,410,000 | $ 284,166 | $ 196,000 |
| Bloomington, IL | 11 | $ 3,515,000 | $ 319,545 | $ 121,000 |
| Longview, WA | 11 | $ 4,815,000 | $ 437,727 | $ 158,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 5,815,000 | $ 528,636 | $ 188,000 |
| Springfield, MA | 11 | $ 4,245,000 | $ 385,909 | $ 158,000 |
| Warner Robins, GA | 11 | $ 2,285,000 | $ 207,727 | $ 194,000 |
| Atlantic City-Hammonton, NJ | 10 | $ 2,290,000 | $ 229,000 | $ 381,000 |
| Bremerton-Silverdale, WA | 10 | $ 4,970,000 | $ 497,000 | $ 197,000 |
| Charlottesville, VA | 10 | $ 4,090,000 | $ 409,000 | $ 159,000 |
| Elizabethtown-Fort Knox, KY | 10 | $ 3,060,000 | $ 306,000 | $ 155,000 |
| Grand Junction, CO | 10 | $ 3,660,000 | $ 366,000 | $ 124,000 |
| Hickory-Lenoir-Morganton, NC | 10 | $ 2,860,000 | $ 286,000 | $ 106,000 |
| Hinesville, GA | 10 | $ 1,530,000 | $ 153,000 | $ 131,000 |
| Lansing-East Lansing, MI | 10 | $ 2,300,000 | $ 230,000 | $ 105,000 |
| Panama City, FL | 10 | $ 2,880,000 | $ 288,000 | $ 163,000 |
| State College, PA | 10 | $ 3,090,000 | $ 309,000 | $ 133,000 |
| The Villages, FL | 10 | $ 3,140,000 | $ 314,000 | $ 151,000 |
| Yuba City, CA | 10 | $ 2,950,000 | $ 295,000 | $ 138,000 |
| Columbus, GA-AL | 9 | $ 1,765,000 | $ 196,111 | $ 1,263,000 |
| El Paso, TX | 9 | $ 2,685,000 | $ 298,333 | $ 188,000 |
| Fayetteville, NC | 9 | $ 2,205,000 | $ 245,000 | $ 150,000 |
| Madera, CA | 9 | $ 3,735,000 | $ 415,000 | $ 195,000 |
| Redding, CA | 9 | $ 3,395,000 | $ 377,222 | $ 123,000 |
| Roanoke, VA | 9 | $ 2,935,000 | $ 326,111 | $ 150,000 |
| Tyler, TX | 9 | $ 3,395,000 | $ 377,222 | $ 233,000 |
| Wenatchee, WA | 9 | $ 3,455,000 | $ 383,888 | $ 148,000 |
| Brownsville-Harlingen, TX | 8 | $ 2,510,000 | $ 313,750 | $ 131,000 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 4,070,000 | $ 508,750 | $ 205,000 |
| Flagstaff, AZ | 8 | $ 3,070,000 | $ 383,750 | $ 209,000 |
| Greenville, NC | 8 | $ 1,200,000 | $ 150,000 | $ 160,000 |
| Lafayette-West Lafayette, IN | 8 | $ 1,600,000 | $ 200,000 | $ 183,000 |
| Racine, WI | 8 | $ 1,390,000 | $ 173,750 | $ 71,000 |
| Rochester, MN | 8 | $ 1,730,000 | $ 216,250 | $ 75,000 |
| Sebastian-Vero Beach, FL | 8 | $ 2,260,000 | $ 282,500 | $ 177,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 2,150,000 | $ 268,750 | $ 103,000 |
| Bowling Green, KY | 7 | $ 2,245,000 | $ 320,714 | $ 103,000 |
| Burlington, NC | 7 | $ 2,325,000 | $ 332,142 | $ 134,000 |
| Green Bay, WI | 7 | $ 2,085,000 | $ 297,857 | $ 98,000 |
| Jacksonville, NC | 7 | $ 1,975,000 | $ 282,142 | $ 145,000 |
| Johnson City, TN | 7 | $ 2,045,000 | $ 292,142 | $ 171,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 2,655,000 | $ 379,285 | $ 115,000 |
| Santa Maria-Santa Barbara, CA | 7 | $ 3,335,000 | $ 476,428 | $ 401,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 2,225,000 | $ 317,857 | $ 168,714 |
| Visalia-Porterville, CA | 7 | $ 2,375,000 | $ 339,285 | $ 151,000 |
| Wilmington, DE-MD-NJ | 7 | $ 2,665,000 | $ 380,714 | $ 91,000 |
| Laredo, TX | 6 | $ 1,960,000 | $ 326,666 | $ 0 |
| Logan, UT-ID | 6 | $ 2,090,000 | $ 348,333 | $ 109,000 |
| Madison, WI | 6 | $ 1,760,000 | $ 293,333 | $ 153,000 |
| Merced, CA | 6 | $ 2,150,000 | $ 358,333 | $ 101,000 |
| Toledo, OH | 6 | $ 1,490,000 | $ 248,333 | $ 102,000 |
| Coeur D'Alene, ID | 5 | $ 2,255,000 | $ 451,000 | $ 123,000 |
| Flint, MI | 5 | $ 1,065,000 | $ 213,000 | $ 104,000 |
| Florence, SC | 5 | $ 1,075,000 | $ 215,000 | $ 151,000 |
| Gary, IN | 5 | $ 2,335,000 | $ 467,000 | $ 179,000 |
| Idaho Falls, ID | 5 | $ 1,985,000 | $ 397,000 | $ 114,000 |
| Longview, TX | 5 | $ 1,365,000 | $ 273,000 | $ 127,000 |
| Pueblo, CO | 5 | $ 1,435,000 | $ 287,000 | $ 79,000 |
| Waco, TX | 5 | $ 1,605,000 | $ 321,000 | $ 208,000 |
| Amarillo, TX | 4 | $ 1,380,000 | $ 345,000 | $ 136,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,360,000 | $ 340,000 | $ 111,000 |
| Champaign-Urbana, IL | 4 | $ 800,000 | $ 200,000 | $ 132,000 |
| Chico, CA | 4 | $ 1,440,000 | $ 360,000 | $ 251,000 |
| Kalamazoo-Portage, MI | 4 | $ 1,140,000 | $ 285,000 | $ 124,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 1,000,000 | $ 250,000 | $ 126,500 |
| Lima, OH | 4 | $ 1,120,000 | $ 280,000 | $ 111,000 |
| Medford, OR | 4 | $ 1,560,000 | $ 390,000 | $ 103,000 |
| Midland, TX | 4 | $ 1,650,000 | $ 412,500 | $ 171,000 |
| Napa, CA | 4 | $ 2,410,000 | $ 602,500 | $ 185,000 |
| Rocky Mount, NC | 4 | $ 900,000 | $ 225,000 | $ 100,000 |
| Sebring, FL | 4 | $ 870,000 | $ 217,500 | $ 73,000 |
| Staunton-Waynesboro, VA | 4 | $ 1,120,000 | $ 280,000 | $ 88,000 |
| Yakima, WA | 4 | $ 1,100,000 | $ 275,000 | $ 100,000 |
| Brunswick, GA | 3 | $ 815,000 | $ 271,666 | $ 116,000 |
| Cape Girardeau, MO-IL | 3 | $ 545,000 | $ 181,666 | $ 53,000 |
| Dalton, GA | 3 | $ 1,065,000 | $ 355,000 | $ 125,000 |
| Harrisonburg, VA | 3 | $ 685,000 | $ 228,333 | $ 99,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 605,000 | $ 201,666 | $ 118,000 |
| Joplin, MO | 3 | $ 1,005,000 | $ 335,000 | $ 127,000 |
| Kokomo, IN | 3 | $ 505,000 | $ 168,333 | $ 96,000 |
| Macon-Bibb County, GA | 3 | $ 515,000 | $ 171,666 | $ 123,000 |
| Morristown, TN | 3 | $ 905,000 | $ 301,666 | $ 132,000 |
| Ocean City, NJ | 3 | $ 1,025,000 | $ 341,666 | $ 164,000 |
| Pittsfield, MA | 3 | $ 705,000 | $ 235,000 | $ 175,000 |
| Rome, GA | 3 | $ 525,000 | $ 175,000 | $ 88,000 |
| San Rafael, CA | 3 | $ 1,335,000 | $ 445,000 | $ 133,000 |
| Terre Haute, IN | 3 | $ 445,000 | $ 148,333 | $ 49,000 |
| Valdosta, GA | 3 | $ 625,000 | $ 208,333 | $ 112,000 |
| Winchester, VA-WV | 3 | $ 945,000 | $ 315,000 | $ 131,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 685,000 | $ 228,333 | $ 160,666 |
| Abilene, TX | 2 | $ 500,000 | $ 250,000 | $ 98,000 |
| Beaumont-Port Arthur, TX | 2 | $ 330,000 | $ 165,000 | $ 83,000 |
| Canton-Massillon, OH | 2 | $ 330,000 | $ 165,000 | $ 62,000 |
| Carson City, NV | 2 | $ 550,000 | $ 275,000 | $ 110,000 |
| Clarksville, TN-KY | 2 | $ 770,000 | $ 385,000 | $ 180,000 |
| Duluth, MN-WI | 2 | $ 830,000 | $ 415,000 | $ 308,000 |
| Evansville, IN-KY | 2 | $ 510,000 | $ 255,000 | $ 156,000 |
| Fort Wayne, IN | 2 | $ 340,000 | $ 170,000 | $ 65,000 |
| Gettysburg, PA | 2 | $ 500,000 | $ 250,000 | $ 137,000 |
| Grants Pass, OR | 2 | $ 750,000 | $ 375,000 | $ 126,000 |
| Kankakee, IL | 2 | $ 440,000 | $ 220,000 | $ 110,000 |
| Lawrence, KS | 2 | $ 410,000 | $ 205,000 | $ 50,000 |
| Lebanon, PA | 2 | $ 530,000 | $ 265,000 | $ 72,000 |
| Michigan City-La Porte, IN | 2 | $ 300,000 | $ 150,000 | $ 53,000 |
| Monroe, MI | 2 | $ 470,000 | $ 235,000 | $ 98,000 |
| Muncie, IN | 2 | $ 670,000 | $ 335,000 | $ 141,000 |
| New Bern, NC | 2 | $ 630,000 | $ 315,000 | $ 116,000 |
| Owensboro, KY | 2 | $ 880,000 | $ 440,000 | $ 140,000 |
| Rockford, IL | 2 | $ 390,000 | $ 195,000 | $ 188,000 |
| Saginaw, MI | 2 | $ 740,000 | $ 370,000 | $ 168,000 |
| San Angelo, TX | 2 | $ 940,000 | $ 470,000 | $ 134,000 |
| Springfield, IL | 2 | $ 600,000 | $ 300,000 | $ 99,000 |
| Springfield, MO | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Springfield, OH | 2 | $ 330,000 | $ 165,000 | $ 59,000 |
| Sumter, SC | 2 | $ 800,000 | $ 400,000 | $ 201,000 |
| Topeka, KS | 2 | $ 320,000 | $ 160,000 | $ 69,000 |
| Walla Walla, WA | 2 | $ 550,000 | $ 275,000 | $ 161,000 |
| Williamsport, PA | 2 | $ 490,000 | $ 245,000 | $ 100,000 |
| Bay City, MI | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Bloomington, IN | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| California-Lexington Park, MD | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Cleveland, TN | 1 | $ 265,000 | $ 265,000 | $ 101,000 |
| Columbia, MO | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| Columbus, IN | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Decatur, IL | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| Eau Claire, WI | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| El Centro, CA | 1 | $ 345,000 | $ 345,000 | $ 250,000 |
| Elkhart-Goshen, IN | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Enid, OK | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Fond Du Lac, WI | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Jackson, TN | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Jefferson City, MO | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Johnstown, PA | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Lawton, OK | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Manhattan, KS | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Mankato-North Mankato, MN | 1 | $ 275,000 | $ 275,000 | $ 129,000 |
| Muskegon, MI | 1 | $ 195,000 | $ 195,000 | $ 127,000 |
| Odessa, TX | 1 | $ 55,000 | $ 55,000 | $ 105,000 |
| St. Joseph, MO-KS | 1 | $ 225,000 | $ 225,000 | $ 114,000 |
| Texarkana, TX-AR | 1 | $ 205,000 | $ 205,000 | $ 79,000 |
| Twin Falls, ID | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Victoria, TX | 1 | $ 215,000 | $ 215,000 | $ 117,000 |
| Vineland-Bridgeton, NJ | 1 | $ 135,000 | $ 135,000 | $ 45,000 |
| Wichita Falls, TX | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Provident Funding Associates in 2023
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 | 18,471 | $7,574,415,000 | $410,000 | $1,395,000 | $172,000 | $9,999,000 |
| Cash-out Refinancing | 901 | $259,365,000 | $287,000 | $1,005,000 | $171,000 | $4,080,000 |
| Refinancing | 869 | $327,775,000 | $377,000 | $965,000 | $167,000 | $2,214,000 |
| 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 | 7,306 | $2,761,710,000 | $378,000 | $1,085,000 | $162,000 | $4,080,000 |
| Asian | 7,122 | $3,086,650,000 | $433,000 | $1,395,000 | $180,000 | $9,999,000 |
| Not Provided | 4,196 | $1,690,610,000 | $402,000 | $1,085,000 | $180,000 | $9,974,000 |
| Hispanic | 956 | $364,120,000 | $380,000 | $1,045,000 | $152,000 | $2,640,000 |
| Black or African American | 403 | $144,595,000 | $358,000 | $1,055,000 | $158,000 | $1,752,000 |
| Not applicable | 210 | $96,590,000 | $459,000 | $725,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 25 | $10,055,000 | $402,000 | $725,000 | $150,000 | $336,000 |
| American Indian or Alaskan Native | 23 | $7,225,000 | $314,000 | $645,000 | $126,000 | $234,000 |
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) | 20,241 | $8,161,555,000 | $403,000 | $1,395,000 | $171,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 11,958 | $4,781,920,000 | $399,000 | $1,395,000 | $167,000 | $2,459,000 |
| Application Withdrawn By Applicant | 5,271 | $2,190,245,000 | $415,000 | $1,305,000 | $185,000 | $9,999,000 |
| Application Denied By Financial Institution | 1,358 | $485,750,000 | $357,000 | $1,005,000 | $149,000 | $4,080,000 |
| File Closed For Incompleteness | 1,261 | $532,035,000 | $421,000 | $1,055,000 | $180,000 | $2,644,000 |
| Loan Purchased By The Institution | 210 | $96,590,000 | $459,000 | $725,000 | $0 | $0 |
| Application Approved But Not Accepted | 183 | $75,015,000 | $409,000 | $725,000 | $166,000 | $434,000 |
| 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 | 18,883 | $7,675,805,000 | $406,000 | $1,395,000 | $173,000 | $9,999,000 |
| Debt-To-Income Ratio | 409 | $169,075,000 | $413,000 | $795,000 | $105,000 | $668,000 |
| Collateral | 402 | $146,720,000 | $364,000 | $1,005,000 | $183,000 | $2,124,000 |
| Credit History | 317 | $88,765,000 | $280,000 | $765,000 | $149,000 | $4,080,000 |
| Other | 117 | $37,295,000 | $318,000 | $805,000 | $223,000 | $2,592,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $15,475,000 | $377,000 | $975,000 | $140,000 | $480,000 |
| Employment History | 40 | $16,580,000 | $414,000 | $725,000 | $82,000 | $300,000 |
| Unverifiable Information | 31 | $11,695,000 | $377,000 | $725,000 | $94,000 | $241,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $64,000 | $64,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Associates's 2023 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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