Provident Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Provident Bank 2008 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 Bank 239 Washington Street Jersey City, NJ 07302 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 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,696 |
| Total Mortgage Loan Application Amount | $716,352,000 |
| Average Mortgage Loan Application Amount | $251,000 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $123,666 |
| Highest Applicant Income | $3,225,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with Provident Bank. 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 Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down Provident Bank'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 Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Provident Bank, 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 Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex County New Jersey | 662 | $ 95,109,000 | $ 143,000 | $ 99,000 |
| Monmouth County New Jersey | 343 | $ 96,253,000 | $ 280,000 | $ 155,000 |
| Hudson County New Jersey | 330 | $ 56,890,000 | $ 172,000 | $ 93,000 |
| Essex County New Jersey | 201 | $ 41,678,000 | $ 207,000 | $ 117,000 |
| Morris County New Jersey | 183 | $ 58,961,000 | $ 322,000 | $ 141,000 |
| Ocean County New Jersey | 170 | $ 35,255,000 | $ 207,000 | $ 109,000 |
| Somerset County New Jersey | 164 | $ 38,632,000 | $ 235,000 | $ 128,000 |
| Bergen County New Jersey | 120 | $ 49,764,000 | $ 414,000 | $ 158,000 |
| Union County New Jersey | 72 | $ 24,554,000 | $ 341,000 | $ 118,000 |
| Mercer County New Jersey | 60 | $ 25,759,000 | $ 429,000 | $ 161,000 |
| Passaic County New Jersey | 41 | $ 9,672,000 | $ 235,000 | $ 105,000 |
| Hunterdon County New Jersey | 25 | $ 6,809,000 | $ 272,000 | $ 132,000 |
| Burlington County New Jersey | 22 | $ 12,736,000 | $ 578,000 | $ 97,000 |
| Philadelphia County Pennsylvania | 19 | $ 8,499,000 | $ 447,000 | $ 164,000 |
| Camden County New Jersey | 18 | $ 3,100,000 | $ 172,000 | $ 106,000 |
| Sussex County New Jersey | 17 | $ 2,953,000 | $ 173,000 | $ 101,000 |
| Cape May County New Jersey | 14 | $ 5,763,000 | $ 411,000 | $ 244,000 |
| Montgomery County Pennsylvania | 14 | $ 9,021,000 | $ 644,000 | $ 257,000 |
| Atlantic County New Jersey | 13 | $ 4,575,000 | $ 351,000 | $ 308,000 |
| Warren County New Jersey | 12 | $ 2,223,000 | $ 185,000 | $ 123,000 |
| Chester County Pennsylvania | 11 | $ 3,953,000 | $ 359,000 | $ 132,000 |
| Fairfax County Virginia | 11 | $ 6,121,000 | $ 556,000 | $ 182,000 |
| Fairfield County Connecticut | 10 | $ 8,802,000 | $ 880,000 | $ 280,000 |
| Montgomery County Maryland | 10 | $ 4,757,000 | $ 475,000 | $ 162,000 |
| Westchester County New York | 10 | $ 7,233,000 | $ 723,000 | $ 226,000 |
| Bucks County Pennsylvania | 9 | $ 3,847,000 | $ 427,000 | $ 295,000 |
| Queens County New York | 7 | $ 3,996,000 | $ 570,000 | $ 579,000 |
| Gloucester County New Jersey | 6 | $ 1,533,000 | $ 255,000 | $ 198,000 |
| Kings County New York | 6 | $ 4,647,000 | $ 774,000 | $ 160,000 |
| Nassau County New York | 6 | $ 2,827,000 | $ 471,000 | $ 160,000 |
| New York County New York | 6 | $ 4,797,000 | $ 799,000 | $ 326,000 |
| Lehigh County Pennsylvania | 6 | $ 1,877,000 | $ 312,000 | $ 139,000 |
| Northampton County Pennsylvania | 6 | $ 2,284,000 | $ 380,000 | $ 119,000 |
| Dutchess County New York | 5 | $ 22,613,000 | $ 4,522,000 | $ 469,000 |
| Suffolk County New York | 5 | $ 2,941,000 | $ 588,000 | $ 260,000 |
| Delaware County Pennsylvania | 5 | $ 2,940,000 | $ 588,000 | $ 273,000 |
| Arlington County Virginia | 5 | $ 3,563,000 | $ 712,000 | $ 294,000 |
| Loudoun County Virginia | 5 | $ 2,947,000 | $ 589,000 | $ 314,000 |
| Sussex County Delaware | 3 | $ 2,987,000 | $ 995,000 | $ 370,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,606,000 | $ 535,000 | $ 317,000 |
| Howard County Maryland | 2 | $ 1,509,000 | $ 754,000 | $ 251,000 |
| Prince George's County Maryland | 2 | $ 1,332,000 | $ 666,000 | $ 172,000 |
| Cumberland County New Jersey | 2 | $ 575,000 | $ 287,000 | $ 62,000 |
| Rockland County New York | 2 | $ 937,000 | $ 468,000 | $ 276,000 |
| Saratoga County New York | 2 | $ 1,100,000 | $ 550,000 | $ 328,000 |
| Berks County Pennsylvania | 2 | $ 547,000 | $ 273,000 | $ 87,000 |
| Cumberland County Pennsylvania | 2 | $ 1,178,000 | $ 589,000 | $ 220,000 |
| Lancaster County Pennsylvania | 2 | $ 7,650,000 | $ 3,825,000 | $ 99,000 |
| Schuylkill County Pennsylvania | 2 | $ 712,000 | $ 356,000 | $ 315,000 |
| Wayne County Pennsylvania | 2 | $ 593,000 | $ 296,000 | $ 214,000 |
| Goochland County Virginia | 2 | $ 1,341,000 | $ 670,000 | $ 145,000 |
| Hartford County Connecticut | 1 | $ 475,000 | $ 475,000 | $ 150,000 |
| New Haven County Connecticut | 1 | $ 580,000 | $ 580,000 | $ 334,000 |
| New London County Connecticut | 1 | $ 271,000 | $ 271,000 | $ 143,000 |
| New Castle County Delaware | 1 | $ 293,000 | $ 293,000 | $ 119,000 |
| Anne Arundel County Maryland | 1 | $ 434,000 | $ 434,000 | $ 95,000 |
| Baltimore County Maryland | 1 | $ 223,000 | $ 223,000 | $ 42,000 |
| Baltimore City County Maryland | 1 | $ 336,000 | $ 336,000 | $ 68,000 |
| Carroll County Maryland | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Frederick County Maryland | 1 | $ 168,000 | $ 168,000 | $ 59,000 |
| Garrett County Maryland | 1 | $ 750,000 | $ 750,000 | $ 522,000 |
| Albany County New York | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Herkimer County New York | 1 | $ 750,000 | $ 750,000 | $ 241,000 |
| Orange County New York | 1 | $ 321,000 | $ 321,000 | $ 132,000 |
| Rensselaer County New York | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Allegheny County Pennsylvania | 1 | $ 432,000 | $ 432,000 | $ 225,000 |
| Huntingdon County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 46,000 |
| Lackawanna County Pennsylvania | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| Luzerne County Pennsylvania | 1 | $ 167,000 | $ 167,000 | $ 44,000 |
| Monroe County Pennsylvania | 1 | $ 480,000 | $ 480,000 | $ 156,000 |
| Pike County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Chesapeake County Virginia | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Chesterfield County Virginia | 1 | $ 717,000 | $ 717,000 | $ 142,000 |
| Fluvanna County Virginia | 1 | $ 317,000 | $ 317,000 | $ 75,000 |
| Henrico County Virginia | 1 | $ 899,000 | $ 899,000 | $ 276,000 |
| Prince George County Virginia | 1 | $ 248,000 | $ 248,000 | $ 145,000 |
| Prince William County Virginia | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Roanoke County Virginia | 1 | $ 513,000 | $ 513,000 | $ 145,000 |
| Spotsylvania County Virginia | 1 | $ 297,000 | $ 297,000 | $ 165,000 |
| Westmoreland County Virginia | 1 | $ 649,000 | $ 649,000 | $ 145,000 |
| York County Virginia | 1 | $ 767,000 | $ 767,000 | $ 251,000 |
Mortgage Loan Application Detail Totals for Provident Bank in 2008
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 | 1,450 | $339,060,000 | $233,000 | $11,350,000 | $127,000 | $3,225,000 |
| Home Purchase | 792 | $329,201,000 | $415,000 | $12,000,000 | $154,000 | $2,050,000 |
| Home Improvement | 454 | $48,091,000 | $105,000 | $20,000,000 | $90,000 | $919,000 |
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 | 1,668 | $392,172,000 | $235,000 | $2,100,000 | $138,000 | $2,050,000 |
| Not Provided | 283 | $66,276,000 | $234,000 | $1,623,000 | $136,000 | $3,225,000 |
| Hispanic | 275 | $36,115,000 | $131,000 | $670,000 | $83,000 | $984,000 |
| Asian | 258 | $77,171,000 | $299,000 | $1,600,000 | $158,000 | $1,500,000 |
| Black or African American | 144 | $26,142,000 | $181,000 | $1,470,000 | $88,000 | $480,000 |
| Not applicable | 49 | $114,471,000 | $2,336,000 | $20,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $2,012,000 | $201,000 | $609,000 | $66,000 | $195,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $1,993,000 | $221,000 | $460,000 | $102,000 | $199,000 |
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) | 2,655 | $706,596,000 | $266,000 | $20,000,000 | $129,000 | $3,225,000 |
| FHA-insured (Federal Housing Administration) | 41 | $9,756,000 | $237,000 | $457,000 | $96,000 | $435,000 |
| 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 | 1,267 | $273,049,000 | $215,000 | $20,000,000 | $111,000 | $1,744,000 |
| Application Denied By Financial Institution | 589 | $88,712,000 | $150,000 | $2,060,000 | $110,000 | $1,500,000 |
| Loan Purchased By The Institution | 578 | $263,658,000 | $456,000 | $1,845,000 | $197,000 | $3,225,000 |
| Application Withdrawn By Applicant | 129 | $71,176,000 | $551,000 | $12,000,000 | $112,000 | $984,000 |
| Application Approved But Not Accepted | 124 | $16,842,000 | $135,000 | $760,000 | $105,000 | $508,000 |
| Preapproval Denied by Financial Institution | 9 | $2,915,000 | $323,000 | $888,000 | $72,000 | $167,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Provident Bank's 2008 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 Bank'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 New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.