What loan types does Provident Funding Associates offer?

Provident Funding Associates offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Provident Funding Associates offer mortgages?

Provident Funding Associates 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's mortgage rates?

Provident Funding Associates has an overall pricing score of 83.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Provident Funding Associates?

Provident Funding Associates is a Independent Mortgage Company headquartered in Sacramento, CA.

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Provident Funding Associates

Independent Mortgage Company•Sacramento, CAHQ•Wholesale•Reviews near you on Google

Provident Funding Associates's 12.6k closed loans and 20k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Exceptional

5/5

Conventional

Place

Strong

4/5

Near-National · 49 mkts

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 10.10 basis points below market average
Lower than average lender fees
High volume lender with significant market experience
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Provident Funding Associates performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 10.1 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Exceptional	Sound	12,577	100.0%	-0.101%Below	$1,206Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Exceptional

Pull Through

Sound

Volume12,577

Mix100.0%

Spread

-0.101%Below

Fees

$1,206Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Exceptional	Sound	10,686	84.9%	-0.086%Below	$1,438Fees
Refinance	Strong	Strong	Exceptional	Sound	1,896	15.1%	-0.189%Below	$97Credit

Purchase

Overall

Strong

Product

Exceptional

Pricing

Exceptional

Pull Through

Sound

Volume10,686

Mix84.9%

Spread

-0.086%Below

Fees

$1,438Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume1,896

Mix15.1%

Spread

-0.189%Below

Fees

$97Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

12,582

Applications

20,368

Volume

$5 billion

Pricing & Closing

Avg Rate Spread

-0.101%

vs. market APOR

Avg Net Fees

$1,206

Origination − Credits

Pullthrough Rate

61.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$421,184

Avg Borrower Income

$160,669

Avg Property Value

$583,041

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest8

ILINKSMIMNMOOHWI

South10

FLGAKYMDNCOKSCTNTXVA

West8

AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 1,233Mix 9.80% of portfolio

88/100

Exceptional

2© Dough4872 · Public domain

Montgomery County, PAMetro

Volume 282Mix 2.24% of portfolio

82/100

Exceptional

3© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 788Mix 6.26% of portfolio

81/100

Exceptional

4© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 279Mix 2.22% of portfolio

78/100

Strong

5© Ntsimp · Public domain

Ogden, UTMetro

Volume 200Mix 1.59% of portfolio

78/100

Strong

6© Warren LeMay from Cincinnati, OH, United States · CC0

Atlanta, GAMetro

Volume 494Mix 3.93% of portfolio

78/100

Strong

7© Quintin Soloviev · CC BY 4.0

Austin, TXMetro

Volume 287Mix 2.28% of portfolio

78/100

Strong

Fort Worth, TXMetro

Volume 262Mix 2.08% of portfolio

76/100

Strong

Portland, OR-WAMetro

Volume 333Mix 2.65% of portfolio

76/100

Strong

Philadelphia, PAMetro

Volume 171Mix 1.36% of portfolio

74/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 2,761Mix 21.94% of portfolio

86/100

Exceptional

PennsylvaniaState

Volume 854Mix 6.79% of portfolio

80/100

Exceptional

UtahState

Volume 544Mix 4.32% of portfolio

77/100

Strong

New JerseyState

Volume 501Mix 3.98% of portfolio

77/100

Strong

GeorgiaState

Volume 719Mix 5.71% of portfolio

77/100

Strong

WashingtonState

Volume 472Mix 3.75% of portfolio

76/100

Strong

OregonState

Volume 375Mix 2.98% of portfolio

76/100

Strong

ArizonaState

Volume 527Mix 4.19% of portfolio

74/100

Strong

FloridaState

Volume 1,003Mix 7.97% of portfolio

74/100

Strong

CaliforniaState

Volume 1,006Mix 8.00% of portfolio

74/100

Strong

Showing 10 of 30 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.