Provident Bank

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Provident Bank
206 South Ave
Fanwood, NJ 07023
Phone: (800) 448-7768

The Provident Bank - Growing with New Jersey
No bank in New Jersey, and few in the United States, can look back on a heritage as long and rich as The Provident Bank’s.
Provident was founded in 1839 and has served more than eight generations of customers.

In the nineteenth and early twentieth centuries, many immigrants came to America in search of a better life and settled in Jersey City, “America’s Golden Door.” Provident was there to serve the financial needs of these new citizens and to help them get started in their new country. Provident’s founders pledged to invest its depositors’ money prudently for mutual and equal benefit, and both the bank and its customers flourished. By the 1960s, Provident was operating six thriving branches in Jersey City.

In the 1970s, banking regulations changed, allowing banks to expand beyond their home areas. Provident seized this opportunity and established its first out-of-town branch in West New York. As territorial restrictions on banks continued to change over the years, Provident expanded outside of Hudson County, acquiring banks in Dunellen and Bloomfield, and opening new branches in Bergen, Essex, Monmouth, Ocean, Somerset, Middlesex and Mercer counties.

In 2003, Provident converted from a mutual savings bank to a stock ownership savings bank, giving it greater flexibility to structure and finance the expansion of its franchise and its scope of services. Concurrently, Provident established a foundation to support charitable causes in the communities it serves.

Provident merged with First Sentinel Bancorp (First Savings Bank) in 2004 and immediately acquired a commanding presence in the growing central New Jersey market, particularly Middlesex County. In 2007, Provident acquired First Morris Bank and Trust, gaining nine additional branches in Morris County.

Provident continues to seek new ways to provide its business and personal banking customers with the products and services they need to manage their financial resources in an increasingly complex environment.

Home Loans
Our commitment to New Jersey families and the communities we serve is unparalleled.
We’re dedicated to providing our customers with step-by-step personalized assistance that reduces the stress of financing your home and makes the process more enjoyable.

Simply put, every customer of The Provident Bank is treated as a “preferred” client. If you’re ready to purchase or refinance a home in New Jersey, we’re here to help. We offer great rates and a wide variety of mortgage products that are sure to meet your needs.

Instant Decision - Found a home, need a loan?
If you need a quick loan approval, complete an application online and obtain an instant decision within a matter of minutes. This conditional approval may be finalized once an appraisal has been completed, and the required documentation has been provided.

Pre-Approval - Shopping for a home?
If you already know your financial requirements, but haven’t found the ideal house – get PRE-APPROVED! Complete an application, either online or with the help of a Mortgage Specialist. We’ll obtain your credit report and let you know if we can offer you a pre-approved loan. If you wish, you can even lock in the current rate while you’re still house hunting. When you’ve signed a contract, we will order an appraisal and issue a final loan approval, provided the loan-to value falls within established limits.

Pre-Qualification – How much can I afford?
If you’re just beginning your search, you need to know how much house you are qualified to buy. Click here and enter basic income and debt information. We’ll let you know online the ideal loan products and the maximum mortgage loan amount for which you qualify. Pre-Qualification is totally free. Click here to start your Pre-Qualification process.

Copyright © 2009 The Provident Bank