Provident Funding Group Inc Mortgage Lending & HMDA Data, 2012
In 2012, Provident Funding Group Inc of San Bruno, CA reported 19,895 mortgage applications totaling $5.3 billion, down 14% from 2011. The average application was for $264,181, and applicants reported an average income of $128,085. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Chicago-Joliet-Naperville, IL (3,849), Cambridge-Newton-Framingham, MA (2,231) and Washington-Arlington-Alexandria, DC-VA-MD-WV (2,011) (applications in parentheses).
| Mortgage Company & Address | Provident Funding Group Inc 851 Traeger Avenue, Suite 100 San Bruno, CA 94066 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 19,895 |
| Total Mortgage Loan Application Amount | $5,255,891,000 |
| Average Mortgage Loan Application Amount | $264,181 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $128,085 |
| Highest Applicant Income | $4,374,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Provident Funding Group Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Chicago-Joliet-Naperville, IL | 3,849 | $ 943,035,000 | $ 245,007 | $ 125,000 |
| Cambridge-Newton-Framingham, MA | 2,231 | $ 656,306,000 | $ 294,175 | $ 128,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2,011 | $ 694,395,000 | $ 345,298 | $ 144,551 |
| Boston-Quincy, MA | 1,408 | $ 394,105,000 | $ 279,904 | $ 129,000 |
| Philadelphia, PA | 1,226 | $ 307,097,000 | $ 250,486 | $ 121,000 |
| Lake County-Kenosha County, IL-WI | 851 | $ 226,538,000 | $ 266,202 | $ 143,000 |
| Bethesda-Rockville-Frederick, MD | 629 | $ 215,216,000 | $ 342,155 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 623 | $ 133,779,000 | $ 214,733 | $ 118,000 |
| Peabody, MA | 581 | $ 167,211,000 | $ 287,798 | $ 126,000 |
| Worcester, MA | 532 | $ 135,036,000 | $ 253,827 | $ 119,000 |
| Orlando-Kissimmee-Sanford, FL | 529 | $ 112,754,000 | $ 213,145 | $ 129,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 495 | $ 123,084,000 | $ 248,654 | $ 139,000 |
| Baltimore-Towson, MD | 460 | $ 131,739,000 | $ 286,389 | $ 121,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 441 | $ 108,483,000 | $ 245,993 | $ 133,000 |
| Providence-New Bedford-Fall River, RI-MA | 419 | $ 99,876,000 | $ 238,367 | $ 113,360 |
| Jacksonville, FL | 266 | $ 55,931,000 | $ 210,266 | $ 117,000 |
| Miami-Miami Beach-Kendall, FL | 228 | $ 56,231,000 | $ 246,627 | $ 129,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 199 | $ 49,434,000 | $ 248,412 | $ 109,000 |
| Richmond, VA | 186 | $ 48,656,000 | $ 261,591 | $ 131,000 |
| Rockingham County-Strafford County, NH | 170 | $ 43,783,000 | $ 257,547 | $ 142,000 |
| Barnstable Town, MA | 169 | $ 43,642,000 | $ 258,236 | $ 144,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 164 | $ 35,038,000 | $ 213,646 | $ 107,000 |
| North Port-Bradenton-Sarasota, FL | 164 | $ 34,387,000 | $ 209,676 | $ 116,000 |
| Cape Coral-Fort Myers, FL | 126 | $ 25,788,000 | $ 204,666 | $ 116,000 |
| Pittsburgh, PA | 123 | $ 25,959,000 | $ 211,048 | $ 115,000 |
| Manchester-Nashua, NH | 111 | $ 25,889,000 | $ 233,234 | $ 118,000 |
| Cincinnati-Middletown, OH-KY-IN | 103 | $ 21,685,000 | $ 210,533 | $ 113,000 |
| Columbus, OH | 98 | $ 20,174,000 | $ 205,857 | $ 109,000 |
| Palm Bay-Melbourne-Titusville, FL | 84 | $ 17,845,000 | $ 212,440 | $ 115,000 |
| Springfield, MA | 81 | $ 17,950,000 | $ 221,604 | $ 101,000 |
| Gainesville, FL | 76 | $ 16,200,000 | $ 213,157 | $ 137,000 |
| Wilmington, DE-MD-NJ | 67 | $ 15,361,000 | $ 229,268 | $ 114,044 |
| Charlottesville, VA | 65 | $ 17,622,000 | $ 271,107 | $ 121,000 |
| Naples-Marco Island, FL | 62 | $ 14,894,000 | $ 240,225 | $ 136,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 53 | $ 10,425,000 | $ 196,698 | $ 150,000 |
| Cleveland-Elyria-Mentor, OH | 51 | $ 10,042,000 | $ 196,901 | $ 122,000 |
| Peoria, IL | 51 | $ 10,634,000 | $ 208,509 | $ 111,000 |
| Port St. Lucie, FL | 45 | $ 9,051,000 | $ 201,133 | $ 105,000 |
| Harrisburg-Carlisle, PA | 41 | $ 9,069,000 | $ 221,195 | $ 96,000 |
| Tallahassee, FL | 36 | $ 6,697,000 | $ 186,027 | $ 114,000 |
| Lakeland-Winter Haven, FL | 32 | $ 5,285,000 | $ 165,156 | $ 108,000 |
| Punta Gorda, FL | 30 | $ 6,345,000 | $ 211,500 | $ 121,000 |
| Ocala, FL | 25 | $ 3,587,000 | $ 143,480 | $ 95,000 |
| St. Louis, MO-IL | 22 | $ 4,112,000 | $ 186,909 | $ 101,000 |
| Akron, OH | 20 | $ 3,947,000 | $ 197,350 | $ 162,000 |
| Bloomington-Normal, IL | 19 | $ 3,978,000 | $ 209,368 | $ 117,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 4,433,000 | $ 233,315 | $ 149,000 |
| Reading, PA | 19 | $ 3,754,000 | $ 197,578 | $ 97,000 |
| Rockford, IL | 19 | $ 2,850,000 | $ 150,000 | $ 99,000 |
| Champaign-Urbana, IL | 18 | $ 3,587,000 | $ 199,277 | $ 144,000 |
| Scranton--Wilkes-Barre, PA | 18 | $ 3,631,000 | $ 201,722 | $ 101,000 |
| Crestview-Fort Walton Beach-Destin, FL | 17 | $ 4,611,000 | $ 271,235 | $ 103,000 |
| Lancaster, PA | 17 | $ 3,780,000 | $ 222,352 | $ 97,000 |
| Palm Coast, FL | 17 | $ 2,702,000 | $ 158,941 | $ 96,000 |
| Sebastian-Vero Beach, FL | 16 | $ 3,449,000 | $ 215,562 | $ 175,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 14 | $ 3,090,000 | $ 220,714 | $ 124,000 |
| York-Hanover, PA | 14 | $ 2,572,000 | $ 183,714 | $ 74,000 |
| Dayton, OH | 12 | $ 2,408,000 | $ 200,666 | $ 101,000 |
| Roanoke, VA | 11 | $ 2,994,000 | $ 272,181 | $ 101,000 |
| Blacksburg-Christiansburg-Radford, VA | 10 | $ 2,236,000 | $ 223,600 | $ 202,000 |
| Canton-Massillon, OH | 9 | $ 947,000 | $ 105,222 | $ 89,000 |
| State College, PA | 9 | $ 2,137,000 | $ 237,444 | $ 122,000 |
| Burlington-South Burlington, VT | 8 | $ 2,060,000 | $ 257,500 | $ 121,000 |
| Harrisonburg, VA | 8 | $ 1,758,000 | $ 219,750 | $ 87,000 |
| Pittsfield, MA | 6 | $ 1,449,000 | $ 241,500 | $ 193,000 |
| Winchester, VA-WV | 6 | $ 1,421,000 | $ 236,833 | $ 94,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 1,189,000 | $ 198,166 | $ 71,666 |
| Erie, PA | 5 | $ 1,347,000 | $ 269,400 | $ 117,000 |
| Lynchburg, VA | 5 | $ 974,000 | $ 194,800 | $ 86,000 |
| Altoona, PA | 4 | $ 666,000 | $ 166,500 | $ 153,000 |
| Kankakee-Bradley, IL | 3 | $ 691,000 | $ 230,333 | $ 102,000 |
| Springfield, IL | 3 | $ 659,000 | $ 219,666 | $ 89,000 |
| Dover, DE | 2 | $ 389,000 | $ 194,500 | $ 56,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 365,000 | $ 182,500 | $ 137,000 |
| Lebanon, PA | 2 | $ 382,000 | $ 191,000 | $ 62,000 |
| Springfield, OH | 2 | $ 450,000 | $ 225,000 | $ 58,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 92,000 | $ 92,000 | $ 59,000 |
| Decatur, IL | 1 | $ 220,000 | $ 220,000 | $ 90,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 226,000 | $ 226,000 | $ 76,000 |
| Mansfield, OH | 1 | $ 88,000 | $ 88,000 | $ 90,000 |
| Newark-Union, NJ-PA | 1 | $ 210,000 | $ 210,000 | $ 200,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 177,000 | $ 177,000 | $ 105,000 |
| Salisbury, MD | 1 | $ 170,000 | $ 170,000 | $ 87,000 |
| Toledo, OH | 1 | $ 130,000 | $ 130,000 | $ 55,000 |
| Williamsport, PA | 1 | $ 285,000 | $ 285,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Provident Funding Group Inc in 2012
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 | 18,192 | $4,811,761,000 | $264,000 | $990,000 | $128,000 | $4,374,000 |
| Home Purchase | 1,703 | $444,130,000 | $260,000 | $1,000,000 | $129,000 | $1,779,000 |
| 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 | 10,770 | $2,774,239,000 | $257,000 | $1,000,000 | $130,000 | $4,374,000 |
| Asian | 5,704 | $1,642,796,000 | $288,000 | $700,000 | $127,000 | $1,691,000 |
| Not Provided | 2,815 | $691,098,000 | $245,000 | $819,000 | $124,000 | $3,207,000 |
| Hispanic | 386 | $92,938,000 | $240,000 | $625,000 | $125,000 | $1,900,000 |
| Black or African American | 178 | $44,034,000 | $247,000 | $600,000 | $120,000 | $567,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $6,737,000 | $259,000 | $413,000 | $117,000 | $398,000 |
| American Indian or Alaskan Native | 16 | $4,049,000 | $253,000 | $404,000 | $124,000 | $561,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 19,895 | $5,255,891,000 | $264,000 | $1,000,000 | $128,000 | $4,374,000 |
| 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 | 13,904 | $3,685,527,000 | $265,000 | $819,000 | $129,000 | $4,374,000 |
| Application Denied By Financial Institution | 2,970 | $796,199,000 | $268,000 | $1,000,000 | $112,000 | $2,459,000 |
| Application Withdrawn By Applicant | 2,224 | $558,323,000 | $251,000 | $690,000 | $137,000 | $2,400,000 |
| File Closed For Incompleteness | 648 | $177,218,000 | $273,000 | $626,000 | $135,000 | $1,691,000 |
| Application Approved But Not Accepted | 149 | $38,624,000 | $259,000 | $578,000 | $123,000 | $487,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 981 | $265,470,000 | $270,000 | $700,000 | $122,000 | $2,459,000 |
| Debt-To-Income Ratio | 875 | $236,513,000 | $270,000 | $1,000,000 | $85,000 | $913,000 |
| Other | 628 | $163,678,000 | $260,000 | $890,000 | $127,000 | $614,000 |
| Credit History | 254 | $66,266,000 | $260,000 | $990,000 | $111,000 | $1,440,000 |
| Unverifiable Information | 98 | $26,864,000 | $274,000 | $596,000 | $119,000 | $455,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 54 | $14,906,000 | $276,000 | $527,000 | $138,000 | $968,000 |
| Mortgage Insurance Denied | 39 | $12,386,000 | $317,000 | $444,000 | $128,000 | $503,000 |
| Employment History | 35 | $8,562,000 | $244,000 | $413,000 | $112,000 | $282,000 |
| Credit Application Incomplete | 6 | $1,554,000 | $259,000 | $411,000 | $110,000 | $228,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Funding Group Inc's 2012 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 Group Inc'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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