Provident Bank mortgage approval rate & lending review
Provident Bank decided 3,394 mortgage applications and funded 2,317 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Provident Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Provident Bank at a glance
Approval is 3.2 points below the 75.0% 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 | 89% | 847 / 955 | 95% | $405K | 806 |
| Home improvement loans | 62% | 502 / 808 | 95% | $105K | 476 |
| Cash-out refinance | 68% | 365 / 534 | 95% | $155K | 347 |
| Refinance | 66% | 486 / 736 | 94% | $155K | 458 |
| Investment property purchase | 81% | 143 / 176 | 97% | $415K | 139 |
| Investment cash-out refinance | 64% | 32 / 50 | 94% | $255K | 30 |
| Investment refinance | 67% | 43 / 64 | 98% | $415K | 42 |
| Investment home improvement | 30% | 21 / 71 | 90% | $165K | 19 |
Provident Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 72% | $155K | 3,209 | 2,186 |
| New York | 71% | $685K | 91 | 61 |
| Pennsylvania | 78% | $295K | 77 | 55 |
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 Provident Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, NJ | Mortgage lenders | 86% | 163 | 132 |
| Ocean County, NJ | Mortgage lenders | 91% | 128 | 109 |
| Union County, NJ | Mortgage lenders | 85% | 124 | 104 |
| Middlesex County, NJ | Refinance | 63% | 137 | 81 |
| Monmouth County, NJ | Mortgage lenders | 94% | 82 | 76 |
| Sussex County, NJ | Home improvement loans | 66% | 111 | 71 |
| Ocean County, NJ | Home improvement loans | 64% | 104 | 66 |
| Morris County, NJ | Refinance | 74% | 92 | 63 |
| Morris County, NJ | Home improvement loans | 72% | 94 | 61 |
| Somerset County, NJ | Mortgage lenders | 92% | 66 | 59 |
| Middlesex County, NJ | Cash-out refinance | 75% | 83 | 58 |
| Monmouth County, NJ | Refinance | 69% | 85 | 58 |
The county markets where Provident Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Provident Bank
What is Provident Bank's mortgage approval rate?
Provident Bank approved 71.9% of the 3,394 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.2 points below the 75.0% national rate for the same mix of loan types.
How often do borrowers take the loan Provident Bank offers?
Borrowers accepted 95% of the loans Provident Bank 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 Provident Bank make?
The typical home purchase mortgage loan Provident Bank made was $405K; across all loan types its typical loan ran from $105K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Provident Bank lend?
Provident Bank decided applications in 5 of the states Fat Boy Data covers, most of them in New Jersey, New York and Pennsylvania.
Can I apply to Provident Bank directly?
Yes. Provident Bank is a bank or credit union with 139 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Provident Bank'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 Provident Bank treats applications, then get a rate quote from the lender.