Provident Funding Associates, L.P. mortgage approval rate & lending review
Provident Funding Associates, L.P. decided 39,185 mortgage applications and funded 34,772 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Provident Funding Associates, L.P. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to provident.com.
Provident Funding Associates, L.P. at a glance
Approval is 5.2 points above the 85.3% 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 | 93% | 27,746 / 29,976 | 98% | $415K | 27,291 |
| Cash-out refinance | 63% | 963 / 1,539 | 96% | $275K | 925 |
| Refinance | 90% | 4,502 / 4,988 | 97% | $475K | 4,353 |
| Investment property purchase | 89% | 2,049 / 2,309 | 98% | $255K | 2,016 |
| Investment cash-out refinance | 0% | 0 / 121 | — | — | 0 |
| Investment refinance | 76% | 191 / 252 | 98% | $255K | 187 |
Provident Funding Associates, L.P. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $405K | 8,065 | 7,192 |
| California | 86% | $555K | 3,640 | 3,018 |
| Pennsylvania | 94% | $355K | 3,045 | 2,823 |
| Florida | 85% | $385K | 2,860 | 2,385 |
| Georgia | 92% | $415K | 2,119 | 1,907 |
| North Carolina | 94% | $425K | 1,985 | 1,833 |
| Arizona | 90% | $425K | 1,665 | 1,465 |
| Utah | 91% | $455K | 1,622 | 1,438 |
| New Jersey | 90% | $485K | 1,561 | 1,365 |
| Washington | 92% | $565K | 1,466 | 1,327 |
| Colorado | 94% | $515K | 1,427 | 1,304 |
| Oregon | 94% | $505K | 1,307 | 1,208 |
| Illinois | 89% | $365K | 1,158 | 1,005 |
| Maryland | 91% | $485K | 891 | 797 |
| Virginia | 93% | $455K | 854 | 786 |
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 Funding Associates, L.P. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Collin County, TX | Mortgage lenders | 93% | 1,304 | 1,201 |
| Harris County, TX | Mortgage lenders | 93% | 909 | 832 |
| Maricopa County, AZ | Mortgage lenders | 92% | 889 | 798 |
| Denton County, TX | Mortgage lenders | 93% | 800 | 736 |
| Tarrant County, TX | Mortgage lenders | 91% | 582 | 517 |
| Fort Bend County, TX | Mortgage lenders | 91% | 564 | 505 |
| Dallas County, TX | Mortgage lenders | 92% | 536 | 489 |
| Allegheny County, PA | Mortgage lenders | 96% | 484 | 460 |
| Wake County, NC | Mortgage lenders | 95% | 485 | 456 |
| Salt Lake County, UT | Mortgage lenders | 95% | 435 | 403 |
| Montgomery County, PA | Mortgage lenders | 95% | 374 | 352 |
| King County, WA | Mortgage lenders | 92% | 380 | 347 |
The county markets where Provident Funding Associates, L.P. made the most loans. Each link opens that market with every lender ranked.
Questions about Provident Funding Associates, L.P.
What is Provident Funding Associates, L.P.'s mortgage approval rate?
Provident Funding Associates, L.P. approved 90.5% of the 39,185 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.2 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Provident Funding Associates, L.P. offers?
Borrowers accepted 98% of the loans Provident Funding Associates, L.P. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Provident Funding Associates, L.P. make?
The typical home purchase mortgage loan Provident Funding Associates, L.P. made was $415K; across all loan types its typical loan ran from $255K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Provident Funding Associates, L.P. lend?
Provident Funding Associates, L.P. decided applications in 32 of the states Fat Boy Data covers, most of them in Texas, California and Pennsylvania.
Can I apply to Provident Funding Associates, L.P. directly?
Yes. Provident Funding Associates, L.P. reports as a direct lender that takes applications from borrowers. Its website is provident.com.
Does this page show Provident Funding Associates, L.P.'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 Funding Associates, L.P. treats applications, then get a rate quote from the lender.