Provident Funding Associates in California vs the state
9.8%Denial rate-7.58 pts vs state
13.8%Decision denial rate-8.63 pts vs state
59.7%Origination rate+3.54 pts vs state
6.38%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.43 pts vs state
$178kMedian applicant income
1,208Loans originated
199Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,648 | 865 | 9.3% | 6.50% | #96 |
| 2024 | 1,920 | 1,039 | 9.8% | 6.50% | #89 |
| 2025 | 2,022 | 1,208 | 9.8% | 6.38% | #107 |
What Provident Funding Associates lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sacramento County | 272 | 180 | 16 | 5.9% |
| Los Angeles County | 214 | 117 | 21 | 9.8% |
| San Diego County | 147 | 79 | 16 | 10.9% |
| Riverside County | 131 | 71 | 18 | 13.7% |
| Orange County | 127 | 73 | 9 | 7.1% |
| Contra Costa County | 118 | 70 | 8 | 6.8% |
| Placer County | 111 | 77 | 7 | 6.3% |
| Alameda County | 95 | 64 | 9 | 9.5% |
| San Bernardino County | 82 | 43 | 15 | 18.3% |
| Santa Clara County | 80 | 42 | 12 | 15.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,022 applications in 2025, of which 1,208 were originated and 199 denied.
9.8% of all applications, or 13.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Provident Funding Associates originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Provident Funding Associates's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology