# PROVIDENT FUNDING ASSOCIATES, L.P.

> **Canonical URL:** https://saferate.com/lenders/provident-funding-associates-lp


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PROVIDENT FUNDING ASSOCIATES, L.P. is a independent mortgage company, headquartered in Sacramento, CA, serving borrowers across 30 states, with 12,582 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 17% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930043BMDE130FJ617
- **Headquarters:** Sacramento, CA
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** wholesale
- **Direct Origination:** 17.9%
- **Brokered/Wholesale:** 82.1%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.101%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,206
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 12,582
- **Dollar Volume:** $5.3 billion
- **Applications Received:** 20,368
- **Market Share:** 35.00%

## Typical Borrower Profile

- **Average Loan Amount:** $421,184
- **Average Borrower Income:** $160,669
- **Average Property Value:** $583,041

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 12,577 | -0.101% | $1,206 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 10,683 loans, Score: 84/100 (Exceptional)
- Refinance: 1,894 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 10,686 | $4.5B | -0.086% | Exceptional 🤩 |
| Refinance | 79/100 | 1,896 | $821M | -0.189% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,761 | 0.79% | 86/100 |
| CA | 1,006 | 0.35% | 74/100 |
| FL | 1,003 | 0.34% | 74/100 |
| PA | 854 | 0.71% | 80/100 |
| GA | 719 | 0.52% | 77/100 |
| NC | 545 | 0.37% | 71/100 |
| UT | 544 | 1.21% | 77/100 |
| AZ | 527 | 0.53% | 74/100 |
| NJ | 501 | 0.58% | 77/100 |
| WA | 472 | 0.56% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 1,233 | 88/100 |
| Houston | TX | 788 | 81/100 |
| Atlanta | GA | 494 | 78/100 |
| Phoenix | AZ | 442 | 74/100 |
| Non |  | 409 | 62/100 |
| Portland | OR-WA | 333 | 76/100 |
| Austin | TX | 287 | 78/100 |
| Denver | CO | 287 | 72/100 |
| Montgomery County | PA | 282 | 82/100 |
| Pittsburgh, PA | PA | 279 | 78/100 |
| Fort Worth | TX | 262 | 76/100 |
| Charlotte | NC-SC | 228 | 72/100 |
| Chicago | IL | 224 | 67/100 |
| Lakewood | NJ | 201 | 74/100 |
| Ogden, UT | UT | 200 | 78/100 |

## Where This Lender Ranks

PROVIDENT FUNDING ASSOCIATES, L.P. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Texas for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texas/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Dallas for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/dallas/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Houston for Conventional Loans
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Houston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/houston/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Utah for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Portland for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Denver for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/denver/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Ogden, UT for Conventional Loans
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Ogden, UT for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Baltimore for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Salt Lake City for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Seattle for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Fort Lauderdale for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Los Angeles for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Minneapolis for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/minneapolis/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Provo for Conventional Loans
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Provo for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Everett, WA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in St. Petersburg for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-petersburg/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Athens for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/athens/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does PROVIDENT FUNDING ASSOCIATES, L.P. offer?

PROVIDENT FUNDING ASSOCIATES, L.P. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PROVIDENT FUNDING ASSOCIATES, L.P. offer mortgages?

PROVIDENT FUNDING ASSOCIATES, L.P. offers mortgages in 30 states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI.

### How competitive are PROVIDENT FUNDING ASSOCIATES, L.P.'s mortgage rates?

PROVIDENT FUNDING ASSOCIATES, L.P. has a pricing score of 83/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.101% below market average.

### What type of lender is PROVIDENT FUNDING ASSOCIATES, L.P.?

PROVIDENT FUNDING ASSOCIATES, L.P. is a non-depository lender that specializes in mortgage origination, headquartered in Sacramento, CA.

### What is PROVIDENT FUNDING ASSOCIATES, L.P.'s loan approval success rate?

PROVIDENT FUNDING ASSOCIATES, L.P. has a pull-through score of 55/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/provident-funding-associates-lp

### How to Cite

> "PROVIDENT FUNDING ASSOCIATES, L.P. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/provident-funding-associates-lp

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