Provident Savings Bank in California vs the state
25.8%Denial rate+8.39 pts vs state
30.3%Decision denial rate+7.93 pts vs state
59.3%Origination rate+3.07 pts vs state
6.38%Median rate-0.25 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$279kMedian applicant income
147Loans originated
64Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 130 | 25.0% | 6.63% | #329 |
| 2024 | 226 | 120 | 31.9% | 6.63% | #335 |
| 2025 | 248 | 147 | 25.8% | 6.38% | #334 |
What Provident Savings Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Provident Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 54 | 30 | 18 | 33.3% |
| Alameda County | 40 | 28 | 5 | 12.5% |
| Riverside County | 26 | 17 | 7 | 26.9% |
| Orange County | 22 | 14 | 5 | 22.7% |
| Santa Clara County | 22 | 12 | 7 | 31.8% |
| San Diego County | 12 | 7 | 3 | 25.0% |
| San Mateo County | 10 | 6 | 2 | 20.0% |
| San Francisco County | 8 | 5 | 2 | 25.0% |
| San Bernardino County | 8 | 7 | 1 | 12.5% |
| San Joaquin County | 8 | 4 | 3 | 37.5% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 248 applications in 2025, of which 147 were originated and 64 denied.
25.8% of all applications, or 30.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Provident Savings Bank originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Provident Savings Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology