Provident Bank
Provident Bank received 2,441 applications in 2025 and made 1,294 mortgages, in 62 counties across 10 states. The median rate its borrowers got was 6.875% on a median loan of $225,000. Of 1,973 decisions, 615 were denials — 31.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004NH61PL6YYNH25 |
|---|---|
| Applications received | 2,441 |
| Mortgages made | 1,294 |
| Denied | 615 |
| Approved, not taken up | 64 |
| Withdrawn or incomplete | 468 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.03 points |
| FDIC-insured bank | Yes: Provident Bank, 139 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 400 | 6.125% | $505,000 | 9.0% |
| Refinancing | 92 | 6.098% | $955,000 | 11.4% |
| Cash-out refinancing | 323 | 7.250% | $155,000 | 34.4% |
| Other purposes | 479 | 7.250% | $105,000 | 42.4% |
Where Provident Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, NJ | 150 | 7.000% | 31.5% |
| Essex County, NJ | 134 | 6.388% | 28.7% |
| Monmouth County, NJ | 117 | 7.000% | 31.1% |
| Morris County, NJ | 113 | 7.000% | 23.1% |
| Sussex County, NJ | 113 | 7.000% | 28.7% |
| Union County, NJ | 102 | 6.563% | 24.5% |
| Ocean County, NJ | 98 | 7.000% | 40.2% |
| Bergen County, NJ | 89 | 7.250% | 37.6% |
| Passaic County, NJ | 71 | 7.000% | 36.8% |
| Somerset County, NJ | 69 | 6.750% | 32.7% |
| Hudson County, NJ | 58 | 6.750% | 42.3% |
| Mercer County, NJ | 19 | 6.500% | 39.4% |
| Hunterdon County, NJ | 16 | 6.938% | 20.0% |
| Warren County, NJ | 10 | 7.000% | 29.4% |
| Kings County, NY | 9 | Under 10 loans | 16.7% |
| Orange County, NY | 8 | Under 10 loans | 35.7% |
| Lehigh County, PA | 8 | Under 10 loans | 38.5% |
| Philadelphia County, PA | 8 | Under 10 loans | 20.0% |
| Bronx County, NY | 7 | Under 10 loans | 12.5% |
| Queens County, NY | 7 | Under 10 loans | 12.5% |
| Bucks County, PA | 6 | Under 10 loans | 25.0% |
| Burlington County, NJ | 5 | Under 10 loans | 54.6% |
| Nassau County, NY | 5 | Under 10 loans | 50.0% |
| New York County, NY | 5 | Under 10 loans | 0.0% |
| Rockland County, NY | 5 | Under 10 loans | 14.3% |
| Westchester County, NY | 5 | Under 10 loans | 28.6% |
| Northampton County, PA | 5 | Under 10 loans | 25.0% |
| Atlantic County, NJ | 4 | Under 10 loans | 20.0% |
| Gloucester County, NJ | 4 | Under 10 loans | 0.0% |
| Monroe County, PA | 4 | Under 10 loans | 33.3% |
| Montgomery County, PA | 4 | Under 10 loans | 0.0% |
| Pike County, PA | 4 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 3 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 3 | Under 10 loans | 0.0% |
| Richmond County, NY | 3 | Under 10 loans | 0.0% |
| Chester County, PA | 3 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 0.0% |
| Cape May County, NJ | 2 | Under 10 loans | 50.0% |
| Ulster County, NY | 2 | Under 10 loans | 33.3% |
| Wayne County, PA | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 1 | Under 10 loans | 0.0% |
| Butler County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Lackawanna County, PA | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Washington County, TN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.