Provident Savings Bank, F.S.B. Mortgage Lending & HMDA Data, 2012
In 2012, Provident Savings Bank, F.S.B. of Riverside, CA reported 19,854 mortgage applications totaling $5.2 billion, up 71% from 2011. The average application was for $261,894, and applicants reported an average income of $87,550. 58% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (5,196), Los Angeles-Long Beach-Glendale, CA (3,012) and Sacramento--Arden-Arcade--Roseville, CA (1,890) (applications in parentheses).
| Mortgage Company & Address | Provident Savings Bank, F.S.B. 3756 Central Ave Riverside, CA 92506 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 |
| Total Number of Mortgage Applications | 19,854 |
| Total Mortgage Loan Application Amount | $5,199,644,000 |
| Average Mortgage Loan Application Amount | $261,894 |
| Highest Mortgage Loan Application Amount | $4,219,000 |
| Average Applicant Income | $87,550 |
| Highest Applicant Income | $4,088,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Provident Savings Bank, F.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside, California | 3,105 | $ 654,873,000 | $ 210,909 | $ 78,000 |
| Los Angeles, California | 3,012 | $ 932,960,000 | $ 309,747 | $ 88,000 |
| San Bernardino, California | 2,091 | $ 429,875,000 | $ 205,583 | $ 77,000 |
| Sacramento, California | 1,061 | $ 252,261,000 | $ 237,757 | $ 102,000 |
| Orange, California | 1,039 | $ 356,292,000 | $ 342,918 | $ 105,000 |
| Alameda, California | 830 | $ 309,280,000 | $ 372,626 | $ 119,000 |
| San Diego, California | 697 | $ 226,070,000 | $ 324,347 | $ 113,000 |
| Contra Costa, California | 600 | $ 195,844,000 | $ 326,406 | $ 124,000 |
| Placer, California | 508 | $ 148,470,000 | $ 292,263 | $ 115,000 |
| Santa Clara, California | 421 | $ 159,931,000 | $ 379,883 | $ 120,000 |
| El Dorado, California | 273 | $ 81,434,000 | $ 298,293 | $ 154,000 |
| Marin, California | 260 | $ 111,569,000 | $ 429,111 | $ 163,000 |
| Solano, California | 258 | $ 64,856,000 | $ 251,379 | $ 76,000 |
| Santa Barbara, California | 253 | $ 88,880,000 | $ 351,304 | $ 123,000 |
| Sonoma, California | 208 | $ 62,386,000 | $ 299,932 | $ 116,000 |
| Napa, California | 157 | $ 54,091,000 | $ 344,528 | $ 116,000 |
| Nevada, California | 150 | $ 38,022,000 | $ 253,480 | $ 129,000 |
| Ventura, California | 150 | $ 48,600,000 | $ 324,000 | $ 113,000 |
| San Joaquin, California | 144 | $ 32,141,000 | $ 223,201 | $ 80,000 |
| San Mateo, California | 142 | $ 62,687,000 | $ 441,457 | $ 133,000 |
| San Francisco, California | 137 | $ 58,267,000 | $ 425,306 | $ 139,000 |
| Monterey, California | 84 | $ 24,847,000 | $ 295,797 | $ 104,000 |
| Fresno, California | 58 | $ 10,759,000 | $ 185,500 | $ 67,000 |
| San Luis Obispo, California | 55 | $ 18,849,000 | $ 342,709 | $ 128,000 |
| Santa Cruz, California | 49 | $ 17,399,000 | $ 355,081 | $ 113,000 |
| Yolo, California | 48 | $ 11,487,000 | $ 239,312 | $ 128,000 |
| Kern, California | 45 | $ 8,149,000 | $ 181,088 | $ 90,000 |
| Stanislaus, California | 45 | $ 7,019,000 | $ 155,977 | $ 86,000 |
| Tuolumne, California | 34 | $ 6,318,000 | $ 185,823 | $ 121,000 |
| Butte, California | 27 | $ 5,816,000 | $ 215,407 | $ 89,000 |
| Sutter, California | 21 | $ 4,095,000 | $ 195,000 | $ 64,000 |
| Calaveras, California | 19 | $ 4,193,000 | $ 220,684 | $ 122,000 |
| Yuba, California | 16 | $ 2,824,000 | $ 176,500 | $ 50,000 |
| Madera, California | 14 | $ 1,726,000 | $ 123,285 | $ 49,000 |
| Shasta, California | 12 | $ 3,071,000 | $ 255,916 | $ 146,000 |
| Merced, California | 11 | $ 1,960,000 | $ 178,181 | $ 75,000 |
| Amador, California | 10 | $ 2,061,000 | $ 206,100 | $ 95,000 |
| Mendocino, California | 10 | $ 2,756,000 | $ 275,600 | $ 90,000 |
| San Benito, California | 8 | $ 2,021,000 | $ 252,625 | $ 68,000 |
| Humboldt, California | 6 | $ 1,303,000 | $ 217,166 | $ 83,000 |
| Lake, California | 6 | $ 1,027,000 | $ 171,166 | $ 42,000 |
| Tulare, California | 6 | $ 1,040,000 | $ 173,333 | $ 62,000 |
| Mono, California | 5 | $ 971,000 | $ 194,200 | $ 100,000 |
| Siskiyou, California | 5 | $ 904,000 | $ 180,800 | $ 60,000 |
| Imperial, California | 3 | $ 588,000 | $ 196,000 | $ 65,000 |
| Inyo, California | 3 | $ 841,000 | $ 280,333 | $ 203,000 |
| Lassen, California | 2 | $ 362,000 | $ 181,000 | $ 72,000 |
| Mariposa, California | 2 | $ 445,000 | $ 222,500 | $ 101,000 |
| Tehama, California | 2 | $ 456,000 | $ 228,000 | $ 68,000 |
| Colusa, California | 1 | $ 309,000 | $ 309,000 | $ 128,000 |
| Plumas, California | 1 | $ 405,000 | $ 405,000 | $ 104,000 |
| Sierra, California | 1 | $ 136,000 | $ 136,000 | $ 44,000 |
| Trinity, California | 1 | $ 301,000 | $ 301,000 | $ 48,000 |
| Washoe, Nevada | 1 | $ 181,000 | $ 181,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Provident Savings Bank, F.S.B. 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 10,662 | $2,442,241,000 | $229,000 | $4,219,000 | $77,000 | $3,960,000 |
| Refinancing | 9,015 | $2,718,937,000 | $301,000 | $4,114,000 | $100,000 | $4,088,000 |
| Home Improvement | 177 | $38,466,000 | $217,000 | $625,000 | $89,000 | $286,000 |
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 | 9,994 | $2,802,863,000 | $280,000 | $4,219,000 | $103,000 | $4,088,000 |
| Hispanic | 4,569 | $932,919,000 | $204,000 | $1,800,000 | $57,000 | $1,200,000 |
| Not Provided | 2,733 | $706,964,000 | $258,000 | $2,935,000 | $77,000 | $3,960,000 |
| Asian | 1,604 | $488,379,000 | $304,000 | $1,500,000 | $103,000 | $1,612,000 |
| Black or African American | 747 | $173,935,000 | $232,000 | $2,220,000 | $67,000 | $720,000 |
| Native Hawaiian or Other Pacific Islander | 121 | $33,892,000 | $280,000 | $1,000,000 | $100,000 | $3,419,000 |
| Not applicable | 49 | $52,120,000 | $1,063,000 | $4,114,000 | $9,000 | $116,000 |
| American Indian or Alaskan Native | 37 | $8,572,000 | $231,000 | $728,000 | $176,000 | $2,400,000 |
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) | 12,045 | $3,334,210,000 | $276,000 | $4,219,000 | $111,000 | $4,088,000 |
| FHA-insured (Federal Housing Administration) | 7,272 | $1,713,744,000 | $235,000 | $838,000 | $50,000 | $1,680,000 |
| VA-guaranteed (Veterans Administration) | 523 | $148,942,000 | $284,000 | $942,000 | $78,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,748,000 | $196,000 | $285,000 | $51,000 | $120,000 |
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 | 11,588 | $3,233,131,000 | $279,000 | $3,520,000 | $99,000 | $3,419,000 |
| Preapproval Denied by Financial Institution | 3,746 | $685,826,000 | $183,000 | $1,150,000 | $44,000 | $3,960,000 |
| Application Denied By Financial Institution | 1,664 | $494,981,000 | $297,000 | $4,219,000 | $84,000 | $2,491,000 |
| Application Withdrawn By Applicant | 1,419 | $375,562,000 | $264,000 | $1,608,000 | $96,000 | $1,200,000 |
| File Closed For Incompleteness | 1,100 | $308,184,000 | $280,000 | $2,220,000 | $107,000 | $4,088,000 |
| Application Approved But Not Accepted | 330 | $99,295,000 | $300,000 | $3,220,000 | $88,000 | $1,138,000 |
| Loan Purchased By The Institution | 7 | $2,665,000 | $380,000 | $1,225,000 | $61,000 | $116,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 4,135 | $799,946,000 | $193,000 | $4,114,000 | $46,000 | $3,960,000 |
| Debt-To-Income Ratio | 574 | $166,647,000 | $290,000 | $1,500,000 | $75,000 | $630,000 |
| Collateral | 322 | $100,945,000 | $313,000 | $4,219,000 | $106,000 | $2,491,000 |
| Other | 176 | $54,625,000 | $310,000 | $1,500,000 | $97,000 | $598,000 |
| Unverifiable Information | 76 | $23,999,000 | $315,000 | $975,000 | $118,000 | $860,000 |
| Credit Application Incomplete | 62 | $17,353,000 | $279,000 | $995,000 | $97,000 | $361,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 36 | $9,622,000 | $267,000 | $1,675,000 | $68,000 | $236,000 |
| Employment History | 29 | $7,670,000 | $264,000 | $610,000 | $74,000 | $235,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Savings Bank, F.S.B.'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 Savings Bank, F.S.B.'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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