Provident Funding Associates in Maryland vs the state
6.1%Denial rate-12.66 pts vs state
8.5%Decision denial rate-15.63 pts vs state
64.4%Origination rate+8.70 pts vs state
6.38%Median rate-0.25 pts vs state
-0.18Rate spread (pts)-0.42 pts vs state
$155kMedian applicant income
304Loans originated
29Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 166 | 7.1% | 6.38% | #108 |
| 2024 | 521 | 347 | 7.7% | 6.38% | #82 |
| 2025 | 472 | 304 | 6.1% | 6.38% | #96 |
What Provident Funding Associates lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 98 | 66 | 3 | 3.1% |
| Howard County | 63 | 44 | 4 | 6.3% |
| Frederick County | 59 | 39 | 4 | 6.8% |
| Baltimore County | 56 | 30 | 4 | 7.1% |
| Baltimore city | 43 | 31 | 4 | 9.3% |
| Anne Arundel County | 40 | 25 | 3 | 7.5% |
| Prince George's County | 33 | 20 | 2 | 6.1% |
| Carroll County | 22 | 18 | 0 | 0.0% |
| Harford County | 21 | 12 | 2 | 9.5% |
| Wicomico County | 6 | 3 | 2 | 33.3% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 472 applications in 2025, of which 304 were originated and 29 denied.
6.1% of all applications, or 8.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Provident Funding Associates originated in Maryland 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology