Provident Funding Associates in Michigan vs the state
15.1%Denial rate-3.43 pts vs state
21.6%Decision denial rate-0.96 pts vs state
53.2%Origination rate-6.68 pts vs state
6.38%Median rate-0.38 pts vs state
-0.01Rate spread (pts)-0.41 pts vs state
$142kMedian applicant income
141Loans originated
40Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 393 | 228 | 8.1% | 6.38% | #128 |
| 2024 | 390 | 219 | 10.5% | 6.63% | #136 |
| 2025 | 265 | 141 | 15.1% | 6.38% | #187 |
What Provident Funding Associates lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 103 | 64 | 12 | 11.7% |
| Wayne County | 37 | 21 | 3 | 8.1% |
| Macomb County | 31 | 14 | 9 | 29.0% |
| Washtenaw County | 13 | 6 | 2 | 15.4% |
| Livingston County | 10 | 4 | 4 | 40.0% |
| Kent County | 8 | 2 | 2 | 25.0% |
| Kalamazoo County | 7 | 5 | 0 | 0.0% |
| Berrien County | 7 | 1 | 2 | 28.6% |
| Eaton County | 6 | 2 | 2 | 33.3% |
| Ingham County | 5 | 5 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 265 applications in 2025, of which 141 were originated and 40 denied.
15.1% of all applications, or 21.6% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Provident Funding Associates originated in Michigan in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Provident Funding Associates's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology