Provident Funding Associates in Florida vs the state
9.7%Denial rate-11.41 pts vs state
13.8%Decision denial rate-13.49 pts vs state
59.2%Origination rate+6.54 pts vs state
6.38%Median rate-0.25 pts vs state
-0.12Rate spread (pts)-0.39 pts vs state
$150kMedian applicant income
632Loans originated
103Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,428 | 756 | 9.7% | 6.50% | #115 |
| 2024 | 1,814 | 1,045 | 11.1% | 6.50% | #97 |
| 2025 | 1,067 | 632 | 9.7% | 6.38% | #145 |
What Provident Funding Associates lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 113 | 63 | 18 | 15.9% |
| Orange County | 84 | 45 | 9 | 10.7% |
| Hillsborough County | 82 | 49 | 7 | 8.5% |
| Palm Beach County | 79 | 51 | 7 | 8.9% |
| Pinellas County | 73 | 44 | 7 | 9.6% |
| Lee County | 63 | 44 | 5 | 7.9% |
| Pasco County | 48 | 26 | 6 | 12.5% |
| Seminole County | 45 | 23 | 4 | 8.9% |
| Miami-Dade County | 42 | 29 | 5 | 11.9% |
| St. Johns County | 33 | 20 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 1,067 applications in 2025, of which 632 were originated and 103 denied.
9.7% of all applications, or 13.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Provident Funding Associates originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology