Provident Savings Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Provident Savings Bank, F.S.B. 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,658 |
| Total Mortgage Loan Application Amount | $1,381,400,000 |
| Average Mortgage Loan Application Amount | $701,400 |
| Highest Mortgage Loan Application Amount | $4,445,000 |
| Average Applicant Income | $78,800 |
| Highest Applicant Income | $2,292,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Provident Savings Bank, F.S.B.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Provident Savings Bank, F.S.B.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Provident Savings Bank, F.S.B.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Provident Savings Bank, F.S.B. serves its applicants.
Each category highlights the total number of mortgage applications processed by Provident Savings Bank, F.S.B., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Provident Savings Bank, F.S.B.'s mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside County California | 969 | $ 296,825,000 | $ 306,000 | $ 115,000 |
| San Bernardino County California | 589 | $ 183,645,000 | $ 311,000 | $ 111,000 |
| Los Angeles County California | 547 | $ 271,045,000 | $ 495,000 | $ 132,000 |
| Sacramento County California | 276 | $ 80,830,000 | $ 292,000 | $ 131,000 |
| San Diego County California | 276 | $ 128,990,000 | $ 467,000 | $ 134,000 |
| Orange County California | 199 | $ 102,105,000 | $ 513,000 | $ 175,000 |
| San Luis Obispo County California | 96 | $ 45,410,000 | $ 473,000 | $ 180,000 |
| Placer County California | 92 | $ 35,150,000 | $ 382,000 | $ 135,000 |
| Santa Barbara County California | 85 | $ 34,345,000 | $ 404,000 | $ 132,000 |
| Alameda County California | 59 | $ 28,985,000 | $ 491,000 | $ 147,000 |
| Contra Costa County California | 51 | $ 19,215,000 | $ 376,000 | $ 140,000 |
| El Dorado County California | 41 | $ 14,085,000 | $ 343,000 | $ 126,000 |
| Sonoma County California | 39 | $ 14,395,000 | $ 369,000 | $ 124,000 |
| San Joaquin County California | 35 | $ 12,005,000 | $ 343,000 | $ 84,000 |
| Solano County California | 35 | $ 8,965,000 | $ 256,000 | $ 149,000 |
| Santa Clara County California | 34 | $ 23,760,000 | $ 698,000 | $ 159,000 |
| Ventura County California | 33 | $ 16,125,000 | $ 488,000 | $ 149,000 |
| Butte County California | 19 | $ 4,775,000 | $ 251,000 | $ 101,000 |
| Kern County California | 18 | $ 3,800,000 | $ 211,000 | $ 74,000 |
| Lake County California | 17 | $ 3,715,000 | $ 218,000 | $ 87,000 |
| San Mateo County California | 12 | $ 8,240,000 | $ 686,000 | $ 261,000 |
| Fresno County California | 11 | $ 3,565,000 | $ 324,000 | $ 92,000 |
| Stanislaus County California | 11 | $ 3,815,000 | $ 346,000 | $ 164,000 |
| Sutter County California | 11 | $ 1,715,000 | $ 155,000 | $ 101,000 |
| Calaveras County California | 10 | $ 2,570,000 | $ 257,000 | $ 104,000 |
| Yolo County California | 10 | $ 2,740,000 | $ 274,000 | $ 97,000 |
| Monterey County California | 8 | $ 3,280,000 | $ 410,000 | $ 102,000 |
| Madera County California | 7 | $ 2,235,000 | $ 319,000 | $ 45,000 |
| Marin County California | 7 | $ 4,985,000 | $ 712,000 | $ 180,000 |
| Tulare County California | 7 | $ 1,595,000 | $ 227,000 | $ 114,000 |
| Nevada County California | 6 | $ 2,040,000 | $ 340,000 | $ 101,000 |
| San Francisco County California | 6 | $ 4,160,000 | $ 693,000 | $ 184,000 |
| Tuolumne County California | 6 | $ 1,580,000 | $ 263,000 | $ 200,000 |
| Santa Cruz County California | 5 | $ 2,165,000 | $ 433,000 | $ 194,000 |
| Yuba County California | 5 | $ 1,495,000 | $ 299,000 | $ 74,000 |
| Imperial County California | 4 | $ 1,040,000 | $ 260,000 | $ 129,000 |
| Merced County California | 4 | $ 990,000 | $ 247,000 | $ 126,000 |
| Amador County California | 3 | $ 625,000 | $ 208,000 | $ 40,000 |
| Shasta County California | 3 | $ 765,000 | $ 255,000 | $ 134,000 |
| Del Norte County California | 2 | $ 750,000 | $ 375,000 | $ 169,000 |
| Mono County California | 2 | $ 470,000 | $ 235,000 | $ 261,000 |
| Plumas County California | 2 | $ 400,000 | $ 200,000 | $ 201,000 |
| Colusa County California | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Humboldt County California | 1 | $ 445,000 | $ 445,000 | $ 80,000 |
| Kings County California | 1 | $ 265,000 | $ 265,000 | $ 89,000 |
| Mendocino County California | 1 | $ 385,000 | $ 385,000 | $ 77,000 |
| Siskiyou County California | 1 | $ 315,000 | $ 315,000 | $ 133,000 |
Mortgage Loan Application Detail Totals for Provident Savings Bank, F.S.B. in 2018
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 | 2,226 | $825,450,000 | $370,000 | $2,745,000 | $125,000 | $2,198,000 |
| Cash-out Refinancing | 917 | $315,465,000 | $344,000 | $4,005,000 | $122,000 | $1,973,000 |
| Refinancing | 506 | $231,480,000 | $457,000 | $4,445,000 | $147,000 | $2,292,000 |
| Not Applicable | 6 | $3,990,000 | $665,000 | $1,265,000 | $0 | $0 |
| Other Purpose | 3 | $5,015,000 | $1,671,000 | $3,905,000 | $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 | 1,906 | $700,460,000 | $367,000 | $2,045,000 | $133,000 | $2,198,000 |
| Hispanic | 846 | $264,930,000 | $313,000 | $1,445,000 | $98,000 | $2,292,000 |
| Not Provided | 336 | $138,020,000 | $410,000 | $1,405,000 | $147,000 | $1,119,000 |
| Asian | 242 | $104,680,000 | $432,000 | $2,555,000 | $184,000 | $1,973,000 |
| Black or African American | 176 | $53,620,000 | $304,000 | $925,000 | $106,000 | $330,000 |
| Not applicable | 115 | $108,515,000 | $943,000 | $4,445,000 | $35,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $5,980,000 | $332,000 | $705,000 | $137,000 | $268,000 |
| American Indian or Alaskan Native | 13 | $2,875,000 | $221,000 | $445,000 | $72,000 | $109,000 |
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) | 2,708 | $1,037,250,000 | $383,000 | $4,445,000 | $138,000 | $2,292,000 |
| FHA-insured (Federal Housing Administration) | 701 | $242,505,000 | $345,000 | $725,000 | $94,000 | $455,000 |
| VA-guaranteed (Veterans Administration) | 237 | $98,535,000 | $415,000 | $1,295,000 | $113,000 | $474,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $3,110,000 | $259,000 | $365,000 | $71,000 | $96,000 |
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 | 2,418 | $905,020,000 | $374,000 | $4,005,000 | $131,000 | $1,973,000 |
| Application Withdrawn By Applicant | 721 | $248,335,000 | $344,000 | $4,445,000 | $119,000 | $2,292,000 |
| Application Denied By Financial Institution | 295 | $135,825,000 | $460,000 | $3,905,000 | $109,000 | $1,018,000 |
| File Closed For Incompleteness | 152 | $58,650,000 | $385,000 | $1,475,000 | $139,000 | $1,095,000 |
| Application Approved But Not Accepted | 56 | $17,680,000 | $315,000 | $1,205,000 | $124,000 | $459,000 |
| Loan Purchased By The Institution | 16 | $15,890,000 | $993,000 | $3,925,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,363 | $1,245,575,000 | $370,000 | $4,445,000 | $129,000 | $2,292,000 |
| Debt-To-Income Ratio | 115 | $49,545,000 | $430,000 | $1,765,000 | $97,000 | $813,000 |
| Collateral | 73 | $44,045,000 | $603,000 | $3,905,000 | $124,000 | $359,000 |
| Credit History | 53 | $20,045,000 | $378,000 | $905,000 | $98,000 | $242,000 |
| Other | 24 | $11,380,000 | $474,000 | $1,385,000 | $109,000 | $258,000 |
| Unverifiable Information | 12 | $3,000,000 | $250,000 | $505,000 | $174,000 | $1,018,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $5,465,000 | $496,000 | $1,955,000 | $148,000 | $475,000 |
| Credit Application Incomplete | 6 | $1,990,000 | $331,000 | $605,000 | $76,000 | $159,000 |
| Employment History | 1 | $355,000 | $355,000 | $355,000 | $73,000 | $73,000 |
| 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 2018 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.