Applications / Mortgage Analytics / Lenders / California / Provident Savings Bank
Riverside, CA · Savings institution · OCC · $1.2 billion assets · 147 loans in 2025
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147
loans originated, 2025
248
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Provident Savings Bank makes very large loans: its typical loan in 2025 was $885,000, larger than at almost every similar lender, and its lending grew by 22%.
Similar lenders, savings institutions making between half and twice as many loans, had a typical loan of $242,500. It made about as many loans as they did, yet lent $126.2 million against their $46.9 million. Jumbo loans (larger than the conforming limit) were 12.7% of its lending, down from 73.7% in 2020.
Its loans rose 22%, to 147, against 6% at similar lenders. That was faster than at about four in five of them. Refinancing made up 61.2% of its loans and purchases 38.1%. It is still far smaller than in 2018, when it made 2,418 loans.
Neighborhoods where most residents are minorities took 68.0% of its loans, the highest share among similar lenders, whose figure was 6.7%. Borrowers with low and moderate incomes (LMI) took just 3.6%, against 24.8%. Loans this size need high incomes to qualify, which is a possible reason.
Its typical rate, 6.38%, was lower than at nearly nine in ten similar lenders. It made no higher-priced loans (a rate well above the average for similar loans). All its lending is in California, across 15 metros; Los Angeles-Long Beach-Anaheim is its largest market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Provident Savings Bank took 248 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.2% · Purchase 38.1% · Home improvement 0.7%
Conventional 100.0% · of 147 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 147 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 30 |
| Oakland-Fremont-Berkeley | 30 |
| Riverside-San Bernardino-Ontario | 24 |
| Anaheim-Santa Ana-Irvine | 14 |
| San Jose-Sunnyvale-Santa Clara | 12 |
| San Francisco-San Mateo-Redwood City | 11 |
| San Diego-Chula Vista-Carlsbad | 7 |
| Bakersfield-Delano | 4 |
| Sacramento-Roseville-Folsom | 4 |
| Stockton-Lodi | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VRYDYOPWK5MO08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 631570 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46051 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706051 | 2011–2017 |
Established 2 July 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Provident Savings Bank's data.
Provident Savings Bank's data
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Provident Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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