Provident Savings Bank, F.S.B.
Provident Savings Bank, F.S.B. received 248 applications in 2025 and made 147 mortgages, in 24 counties across 1 state. The median rate its borrowers got was 6.375% on a median loan of $885,000. Of 211 decisions, 64 were denials — 30.3%, most often for collateral.
| Legal Entity Identifier | 549300VRYDYOPWK5MO08 |
|---|---|
| Applications received | 248 |
| Mortgages made | 147 |
| Denied | 64 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 37 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.064 points |
| FDIC-insured bank | Yes: Provident Savings Bank, F.S.B., 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 56 | 6.413% | $805,000 | 25.3% |
| Refinancing | 76 | 6.250% | $915,000 | 33.9% |
| Cash-out refinancing | 14 | 6.625% | $575,000 | 26.3% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 50.0% |
Where Provident Savings Bank, F.S.B. lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 30 | 6.375% | 37.5% |
| Alameda County, CA | 28 | 6.413% | 15.2% |
| Riverside County, CA | 17 | 6.375% | 29.2% |
| Orange County, CA | 14 | 6.188% | 26.3% |
| Santa Clara County, CA | 12 | 6.188% | 36.8% |
| San Bernardino County, CA | 7 | Under 10 loans | 12.5% |
| San Diego County, CA | 7 | Under 10 loans | 30.0% |
| San Mateo County, CA | 6 | Under 10 loans | 25.0% |
| San Francisco County, CA | 5 | Under 10 loans | 28.6% |
| Kern County, CA | 4 | Under 10 loans | 33.3% |
| San Joaquin County, CA | 4 | Under 10 loans | 42.9% |
| Marin County, CA | 3 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 50.0% |
| Sacramento County, CA | 2 | Under 10 loans | 33.3% |
| Fresno County, CA | 1 | Under 10 loans | 50.0% |
| Monterey County, CA | 1 | Under 10 loans | 50.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 0 | Under 10 loans | 100.0% |
| Santa Barbara County, CA | 0 | Under 10 loans | Not published |
| Solano County, CA | 0 | Under 10 loans | 100.0% |
| Sonoma County, CA | 0 | Under 10 loans | 100.0% |
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When Provident Savings Bank, F.S.B.’s figures are published for the next year, or restated.
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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.