What loan types does Provident Savings Bank offer?

Provident Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Provident Savings Bank offer mortgages?

Provident Savings Bank offers mortgages in 1 states: CA.

How competitive are Provident Savings Bank's mortgage rates?

Provident Savings Bank has an overall pricing score of 49.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Provident Savings Bank?

Provident Savings Bank is a Bank headquartered in Riverside, CA.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

73 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

18 loans · 0.12% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

53 loans · 0.11% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

38 loans · 0.12% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Sound	Acceptable	73	80.2%	-0.009%Below	$1,574Credit
Jumbo Loans	Sound	Strong	—	Sound	18	19.8%	+0.116%Above	$392Credit

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Acceptable	53	58.2%	+0.110%Above	$569Credit
Refinance	Sound	Acceptable	Sound	Acceptable	38	41.8%	-0.116%Below	$2,429Credit

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

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Anaheim, CAMetro

Volume 17Mix 18.68% of portfolio

54/100

Sound

Riverside, CAMetro

Volume 20Mix 21.98% of portfolio

54/100

Sound

Oakland, CAMetro

Volume 16Mix 17.58% of portfolio

53/100

Sound

Top States by Place Specialization Score

CaliforniaState

Volume 91Mix 100.00% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.