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Provident Savings Bank

Bank•Riverside, CAHQ•Wholesale•Reviews near you on Google

Provident Savings Bank has 91 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Single State · 3 mkts

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Provident Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+1.3 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 3 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume73
Mix80.2%
Spread
-0.009%Below
Fees
$1,574Credit
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume18
Mix19.8%
Spread
+0.116%Above
Fees
$392Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume53
Mix58.2%
Spread
+0.110%Above
Fees
$569Credit
Refinance
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume38
Mix41.8%
Spread
-0.116%Below
Fees
$2,429Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
91
Applications
175
Volume
$76 million
Pricing & Closing
Avg Rate Spread
+0.013%
vs. market APOR
Avg Net Fees
$-1,372
Origination − Credits
Pullthrough Rate
52.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$844,231
Avg Borrower Income
$328,527
Avg Property Value
$1,429,066

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CA

Top Metro Areas by Place Specialization Score

1© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 17Mix 18.68% of portfolio
54/100
Sound
2© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 20Mix 21.98% of portfolio
54/100
Sound
3© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 16Mix 17.58% of portfolio
53/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 91Mix 100.00% of portfolio
64/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.