Providence Bank & Trust mortgage approval rate & lending review
Providence Bank & Trust decided 259 mortgage applications and funded 180 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Providence Bank & Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Providence Bank & Trust at a glance
Approval is 6.4 points above the 83.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 155 / 161 | 75% | $245K | 116 |
| Investment property purchase | 89% | 32 / 36 | 91% | $325K | 29 |
Providence Bank & Trust lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Providence Bank & Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IN | Mortgage lenders | 99% | 74 | 59 |
The county markets where Providence Bank & Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Providence Bank & Trust
What is Providence Bank & Trust's mortgage approval rate?
Providence Bank & Trust approved 90.3% of the 259 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 83.9% national rate for the same mix of loan types.
How often do borrowers take the loan Providence Bank & Trust offers?
Borrowers accepted 77% of the loans Providence Bank & Trust approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Providence Bank & Trust make?
The typical home purchase mortgage loan Providence Bank & Trust made was $245K; across all loan types its typical loan ran from $245K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Providence Bank & Trust lend?
Providence Bank & Trust decided applications in 8 of the states Fat Boy Data covers, most of them in Illinois, Indiana and Michigan.
Can I apply to Providence Bank & Trust directly?
Yes. Providence Bank & Trust is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Providence Bank & Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Providence Bank & Trust treats applications, then get a rate quote from the lender.