Provident Funding Associates in Arizona vs the state
6.8%Denial rate-9.47 pts vs state
9.3%Decision denial rate-11.14 pts vs state
64.0%Origination rate+4.53 pts vs state
6.38%Median rate-0.13 pts vs state
-0.14Rate spread (pts)-0.36 pts vs state
$145kMedian applicant income
578Loans originated
61Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 613 | 349 | 7.8% | 6.50% | #89 |
| 2024 | 918 | 558 | 6.2% | 6.38% | #70 |
| 2025 | 903 | 578 | 6.8% | 6.38% | #78 |
What Provident Funding Associates lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 687 | 448 | 39 | 5.7% |
| Pima County | 69 | 43 | 3 | 4.3% |
| Pinal County | 50 | 31 | 6 | 12.0% |
| Yavapai County | 32 | 22 | 4 | 12.5% |
| Navajo County | 17 | 8 | 2 | 11.8% |
| Mohave County | 17 | 10 | 1 | 5.9% |
| Coconino County | 11 | 4 | 3 | 27.3% |
| Cochise County | 7 | 3 | 1 | 14.3% |
| Gila County | 5 | 3 | 1 | 20.0% |
| Santa Cruz County | 4 | 4 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 903 applications in 2025, of which 578 were originated and 61 denied.
6.8% of all applications, or 9.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Provident Funding Associates originated in Arizona in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Provident Funding Associates's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology