Provident Funding Associates in Georgia vs the state
5.7%Denial rate-13.56 pts vs state
7.8%Decision denial rate-17.32 pts vs state
65.5%Origination rate+11.42 pts vs state
6.38%Median rate-0.25 pts vs state
-0.11Rate spread (pts)-0.38 pts vs state
$147kMedian applicant income
602Loans originated
52Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,203 | 769 | 6.7% | 6.38% | #72 |
| 2024 | 1,244 | 767 | 7.2% | 6.50% | #72 |
| 2025 | 919 | 602 | 5.7% | 6.38% | #99 |
What Provident Funding Associates lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 172 | 114 | 6 | 3.5% |
| Fulton County | 155 | 98 | 8 | 5.2% |
| Forsyth County | 103 | 72 | 4 | 3.9% |
| Cobb County | 96 | 66 | 5 | 5.2% |
| Cherokee County | 59 | 43 | 0 | 0.0% |
| DeKalb County | 57 | 31 | 3 | 5.3% |
| Hall County | 33 | 21 | 5 | 15.2% |
| Jackson County | 18 | 11 | 2 | 11.1% |
| Paulding County | 14 | 9 | 2 | 14.3% |
| Clarke County | 13 | 9 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 919 applications in 2025, of which 602 were originated and 52 denied.
5.7% of all applications, or 7.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Provident Funding Associates originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology