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Home Loan Information

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Loan Rate and APR information for:  June 20, 2025Rates subject to change without notice except as required by law
15 Year Fixed*
On a typical loan of $806,500.00, with a rate of 6.375% and an APR of 6.608%,
180 monthly payments of $6,970.18
30 Year Fixed*
On a typical loan of $806,500.00, with a rate of 6.625% and an APR of 6.769%,
360 monthly payments of $5,164.11
*Available for Properties Located in Riverside and San Bernardino Counties.

 
5/6 ARM
On a typical loan of $806,500.00, with a rate of 6.125%, and an APR of 6.790%,
60 monthly payments of $4,900.38; then 300 monthly payments with a rate of 7.000% and payments of $5,312.39
7/6 ARM
On a typical loan of $806,500.00, with a rate of 6.250%, and an APR of 6.751%,
84 monthly payments of $4,965.76; then 276 monthly payments with a rate of 7.000% and payments of $5,300.10
10/6 ARM
On a typical loan of $806,500.00, with a rate of 6.375%, and an APR of 6.725%,
120 monthly payments of $5,031.51; then 240 monthly payments with a rate of 7.000% and payments of $5,284.14
Rates are subject to increase at the end of the fixed rate period, may adjust semi-annually thereafter, and are based on an index plus a margin. For more information on our products, please review our program disclosures.
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Call Our Loan Center

Call us today at (800) 250-1713 at our Direct Loan Center. We can take your application or answer any questions you have.

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Short Application

Want to start the loan application process but don't have all your documentation? You can start here!

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Full Application

Complete your full application online now to start the loan application process!

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Product and Pricing

Check out our rates and select the right product for you.

LOAN PROGRAMS
In addition to the loan programs listed below, Provident Bank offers other programs. Please consult us for more information.
Fixed Rate
  • A locked-in rate and constant monthly payments. Available terms of 30 and 15 years.
  • Available for Properties located in Riverside and San Bernardino Counties.
Adjustable Rate
  • The loan begins with a fixed rate for 5, 7, or 10 years.
     
  • After the fixed rate period, the rate may increase or decrease semi-annually based on current market conditions.
 
Home Purchase
Whether you are a first-time homebuyer, a renter, or you are purchasing a new home, we have an assortment of tools and loan programs to meet your individual financing needs. Use our easy-to-navigate site, or contact us directly by phone.

We can help you realize your homeownership dreams by offering you all the best advantages:
  • Low Rates
  • Online Application
  • Experienced Loan Professionals
 
Refinance
Find out if now is the right time to refinance! You may be able to reduce your monthly payments or reduce the life of your loan by getting a lower interest rate or a new loan term.

Some key reasons to consider refinancing:
  • Get a lower-rate mortgage.
  • Consolidate a first and second mortgage into one lower payment.
The advantages we offer you for your refinancing needs are:
  • Low Rates.
  • Easy information application online.
  • Guidance & advice from an experienced loan professional.
Federal Reserve Bank and Consumer Financial Protection Bureau Publications
Ask a Bank Representative for more information.

Your principal and interest payment will be based on the interest rate, loan balance and loan term. In addition, you may be required to make monthly escrow deposits for real estate taxes, hazard insurance and/or flood insurance premiums.

Fixed = Fixed Rate Mortgage. APR = Annual Percentage Rate, assumes a loan-to-value (LTV) ratio of 80% and a 700 credit score. Your interest rate will depend upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. The APR may increase after consummation and may vary. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan origination fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) based on the interest rate on your note, not on APR.

ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate, assumes a loan-to-value (LTV) ratio of 80% and a 700 credit score. Your interest rate will depend upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. The APR may increase after consummation and may vary. APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as “points”) and loan origination fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan) based on the interest rate on your note, not on APR.

This is not an offer for an extension of credit or commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applicants will qualify. All loan products and terms are subject to change without notice.