Lender in California · HMDA 2025
Provident Credit Union mortgages in California
Provident Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Provident Credit Union originated 311 owner-occupied single-family loans in California from 316 completed applications.
Its median conventional purchase loan costs were $4,900 versus $7,920 for all California lenders.
Loans in CA
311
of 316 applications
Denial rate
0.8%
Purchase · CA 8.9%
Rate spread
−0.84 pts
Conv. · CA +0.09 pts
Loan amount
$975,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 248 | 246 | 0.8% | — | −0.84 pts | $4,900 | $975,000 |
| Refinance | 68 | 65 | 4.4% | — | −0.86 pts | $2,730 | $765,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
California counties where Provident Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Inyo County | 17 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology