Provident Funding Associates, L.P.: 2025 mortgage rates, costs & approvals
How Provident Funding Associates, L.P. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: PROVIDENT FUNDING ASSOCIATES, L.P. · LEI 54930043BMDE130FJ617
In 2025, Provident Funding Associates, L.P. originated 11,704 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 30 states — 43rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was 24 basis points below the national median. Median conventional loan costs were $5,250, 6% lower than the national median ($5,570).
It denied 6.7% of completed home-purchase applications (all lenders: 8.5%).
How Provident Funding Associates, L.P. priced home-purchase loans
| Purchase loans, 2025 | Provident Funding Associates, L.P. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.500% | 5.875% |
| Rate spread vs. APOR · conventional | −0.11 pts | +0.13 pts |
| Total loan costs · conventional | $5,250 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,130 | $1,860 |
| Borrowers paying discount points | 44.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.37% | 0.87% |
| Borrowers receiving lender credits | 51.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Provident Funding Associates, L.P. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Provident Funding Associates, L.P. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,622 | 1,830 | 7.3% | 6.375% | $6,040 |
| California | 1,163 | 1,369 | 9.8% | 6.375% | $5,880 |
| Pennsylvania | 865 | 935 | 4.6% | 6.500% | $5,740 |
| Colorado | 639 | 699 | 5.1% | 6.375% | $3,700 |
| Utah | 624 | 697 | 6.3% | 6.375% | $4,490 |
| North Carolina | 623 | 667 | 3.8% | 6.375% | $4,150 |
| Florida | 609 | 714 | 10.4% | 6.375% | $6,210 |
| Georgia | 574 | 639 | 5.8% | 6.500% | $5,050 |
| Washington | 557 | 619 | 7.0% | 6.375% | $4,980 |
| Arizona | 553 | 622 | 7.2% | 6.375% | $6,100 |
| Oregon | 506 | 541 | 3.2% | 6.500% | $5,480 |
| New Jersey | 408 | 457 | 6.6% | 6.500% | $6,530 |
| Virginia | 381 | 419 | 5.5% | 6.375% | $4,650 |
| Kentucky | 312 | 342 | 4.7% | 6.375% | $3,930 |
| Illinois | 304 | 353 | 10.6% | 6.500% | $6,190 |
| Maryland | 298 | 332 | 6.4% | 6.375% | $4,920 |
| Ohio | 278 | 306 | 6.4% | 6.375% | $4,250 |
| Indiana | 178 | 196 | 5.4% | 6.500% | $2,720 |
| Tennessee | 171 | 197 | 6.1% | 6.375% | $4,490 |
| Wisconsin | 171 | 182 | 4.5% | 6.625% | $2,710 |
| Minnesota | 152 | 167 | 5.8% | 6.500% | $4,040 |
| Michigan | 135 | 174 | 15.7% | 6.500% | $3,670 |
| South Carolina | 133 | 148 | 4.0% | 6.375% | $4,880 |
| Connecticut | 129 | 142 | 7.8% | 6.375% | $5,260 |
| Missouri | 112 | 118 | 5.8% | 6.500% | $3,830 |
| Kansas | 80 | 89 | 9.2% | 6.375% | $3,690 |
| Nevada | 53 | 58 | 6.5% | 6.375% | $5,710 |
| Oklahoma | 45 | 49 | 0.0% | 6.375% | $4,150 |
| Idaho | 29 | 31 | 3.9% | 6.375% | $5,990 |
| District of Columbia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Provident Funding Associates, L.P.'s page for that state.
Counties where Provident Funding Associates, L.P. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Daggett County, UT | 2 | 1 | 12.5% |
| Lexington city, VA | 9 | 1 | 2.5% |
| Ouray County, CO | 11 | 2 | 2.4% |
| Davis County, UT | 10 | 125 | 2.4% |
| Broomfield County, CO | 8 | 26 | 2.4% |
| Wasco County, OR | 13 | 5 | 2.0% |
| Washington County, OR | 11 | 148 | 2.0% |
| Blaine County, ID | 11 | 5 | 1.9% |
| Benton County, OR | 14 | 13 | 1.8% |
| Clackamas County, OR | 13 | 91 | 1.8% |
| Bucks County, PA | 11 | 122 | 1.7% |
| Clear Creek County, CO | 12 | 3 | 1.7% |
| Wahkiakum County, WA | 15 | 1 | 1.7% |
| Fayette County, KY | 17 | 60 | 1.7% |
| Lake County, CO | 15 | 2 | 1.7% |
Check Provident Funding Associates, L.P. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930043BMDE130FJ617.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Provident Funding Associates, L.P. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology