# Provident Savings Bank, F.S.B.

> **Canonical URL:** https://saferate.com/lenders/provident-savings-bank-fsb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Provident Savings Bank, F.S.B. is a bank, headquartered in Riverside, CA, with 91 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 72% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300VRYDYOPWK5MO08
- **Headquarters:** Riverside, CA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CA
- **Markets (MSAs):** 3
- **Primary Channel:** wholesale
- **Direct Origination:** 0.6%
- **Brokered/Wholesale:** 99.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.013%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-1,372
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 91
- **Dollar Volume:** $77 million
- **Applications Received:** 175
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $844,231
- **Average Borrower Income:** $328,527
- **Average Property Value:** $1,429,066

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 26/100 | 73 | -0.009% | $-1,574 | Acceptable 🙂 |
| Jumbo | 63/100 | 18 | +0.116% | $-392 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 40 loans, Score: 23/100 (Acceptable)
- Refinance: 33 loans, Score: 40/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 53 | $44M | +0.110% | Acceptable 🙂 |
| Refinance | 39/100 | 38 | $33M | -0.116% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 91 | 0.03% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 20 | 54/100 |
| Anaheim | CA | 17 | 54/100 |
| Oakland | CA | 16 | 53/100 |

## Frequently Asked Questions

### What loan types does Provident Savings Bank, F.S.B. offer?

Provident Savings Bank, F.S.B. offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Provident Savings Bank, F.S.B. offer mortgages?

Provident Savings Bank, F.S.B. offers mortgages in 1 states: CA.

### How competitive are Provident Savings Bank, F.S.B.'s mortgage rates?

Provident Savings Bank, F.S.B. has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.013% above market average.

### What type of lender is Provident Savings Bank, F.S.B.?

Provident Savings Bank, F.S.B. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Riverside, CA.

### What is Provident Savings Bank, F.S.B.'s loan approval success rate?

Provident Savings Bank, F.S.B. has a pull-through score of 28/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/provident-savings-bank-fsb

### How to Cite

> "Provident Savings Bank, F.S.B. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/provident-savings-bank-fsb

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