Purchase Originations
308
Median Total Costs
$5,330
−20.2% vs national ($6,680)
↑ $380 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$790
Median Lender Credits
$295
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.000% | $5,288 | $790 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 284 | 6.000% | $5,306 | #52 |
| Pennsylvania | 12 | 6.688% | $5,290 | — |
| New York | 10 | 6.250% | $6,141 | — |
| Florida | 2 | 5.875% | $3,560 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,133 | 6.312% | — | 2 | −$1,197 | |
| 2 | $4,351 | 6.500% | — | 3 | −$979 | |
| 3 | $4,517 | 6.125% | — | 5 | −$813 | |
| 4 | $4,611 | 6.000% | — | 17 | −$719 | |
| 5 | $4,709 | 6.312% | — | 2 | −$621 | |
| 6 | $4,745 | 6.000% | — | 31 | −$585 | |
| 7 | $4,957 | 6.125% | — | 27 | −$373 | |
| 8 | $5,082 | 6.125% | — | 24 | −$248 | |
| 9 | $5,086 | 6.375% | — | 3 | −$244 | |
| 10 | $5,169 | 6.375% | — | 24 | −$161 | |
| 11 | $5,185 | 6.250% | — | 7 | −$145 | |
| 12 | $5,551 | 6.375% | — | 11 | +$221 | |
| 13 | $5,577 | 6.750% | — | 3 | +$247 | |
| 14 | $5,599 | 5.875% | — | 46 | +$269 | |
| 15 | $5,691 | 5.625% | — | 60 | +$361 | |
| 16 | $5,838 | 6.250% | — | 14 | +$508 | |
| 17 | $6,047 | 6.125% | — | 5 | +$717 | |
| 18 | $6,370 | 6.375% | — | 2 | +$1,040 | |
| 19 | $7,043 | 5.875% | — | 2 | +$1,713 | |
| 20 | $7,791 | 6.125% | — | 2 | +$2,461 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Provident Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $465,000 | $335,000 | +$130,000 (+38.8%) |
| Median total closing costs | $5,330 | $7,127 | −$1,797 (−25.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.