Provident Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th30.3% deniedPricingmedian rate spread over APOR, weight 30%
75th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
35th14.9%Closing coststotal loan costs ÷ loan amount, weight 10%
94th0.54% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 221 | 130 | 25.3% | 29.5% | 6.63% | $106M |
| 2024 | 226 | 120 | 31.9% | 37.5% | 6.63% | $99M |
| 2025 | 248 | 147 | 25.8% | 30.3% | 6.38% | $126M |
What Provident Savings Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 61 investment properties.
Why Provident Savings Bank denies applications
Primary reason reported for each of the 64 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Provident Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 51 | 29 | 31.0% |
| Over $250k | 121 | 74 | 23.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 45 | 34 | 15.0% |
| 35–44 | 64 | 37 | 31.5% |
| 45–54 | 60 | 34 | 26.1% |
| 55–64 | 21 | 10 | 41.2% |
Where Provident Savings Bank lends
1 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 248 | 147 | 25.8% | 6.38% | #334 |
Frequently asked questions
Provident Savings Bank denied 30.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Provident Savings Bank gave in 2025 was "collateral", cited on 40.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Provident Savings Bank originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 34% of its applications were for home purchases, 65% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.