Provident Credit Union mortgage approval rate & lending review
Provident Credit Union decided 2,082 mortgage applications and funded 2,055 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Provident Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Provident Credit Union at a glance
Approval is 23.1 points above the 75.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 808 / 812 | 100% | $1M | 808 |
| Home improvement loans | 98% | 848 / 864 | 100% | $155K | 848 |
| Refinance | 98% | 285 / 291 | 100% | $305K | 285 |
| Investment property purchase | 99% | 85 / 86 | 100% | $505K | 85 |
| Investment refinance | 100% | 29 / 29 | 100% | $755K | 29 |
Provident Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 99% | $305K | 2,082 | 2,055 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Provident Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Alameda County, CA | Mortgage lenders | 99% | 230 | 228 |
| Alameda County, CA | Home improvement loans | 98% | 190 | 187 |
| Santa Clara County, CA | Mortgage lenders | 100% | 173 | 173 |
| Santa Clara County, CA | Home improvement loans | 96% | 166 | 160 |
| San Mateo County, CA | Home improvement loans | 99% | 147 | 146 |
| Contra Costa County, CA | Home improvement loans | 99% | 137 | 136 |
| Contra Costa County, CA | Mortgage lenders | 100% | 129 | 129 |
| Alameda County, CA | Refinance | 99% | 72 | 71 |
| San Joaquin County, CA | Mortgage lenders | 100% | 65 | 65 |
| San Mateo County, CA | Mortgage lenders | 100% | 58 | 58 |
| Santa Clara County, CA | Refinance | 96% | 50 | 48 |
| Contra Costa County, CA | Refinance | 95% | 43 | 41 |
The county markets where Provident Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Provident Credit Union
What is Provident Credit Union's mortgage approval rate?
Provident Credit Union approved 98.7% of the 2,082 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 23.1 points above the 75.6% national rate for the same mix of loan types.
How often do borrowers take the loan Provident Credit Union offers?
Borrowers accepted 100% of the loans Provident Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Provident Credit Union make?
The typical home improvement loan loan Provident Credit Union made was $155K; across all loan types its typical loan ran from $155K to $1M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Provident Credit Union lend?
Provident Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in California.
Can I apply to Provident Credit Union directly?
Yes. Provident Credit Union is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Provident Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Provident Credit Union treats applications, then get a rate quote from the lender.