Provident Funding Associates in Missouri vs the state
4.2%Denial rate-10.84 pts vs state
6.6%Decision denial rate-12.14 pts vs state
59.8%Origination rate-2.87 pts vs state
6.38%Median rate-0.25 pts vs state
-0.07Rate spread (pts)-0.42 pts vs state
$137kMedian applicant income
113Loans originated
8Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 178 | 107 | 10.1% | 6.38% | #171 |
| 2024 | 208 | 132 | 4.8% | 6.50% | #160 |
| 2025 | 189 | 113 | 4.2% | 6.38% | #191 |
What Provident Funding Associates lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 58 | 34 | 3 | 5.2% |
| St. Charles County | 28 | 16 | 1 | 3.6% |
| Jackson County | 27 | 15 | 2 | 7.4% |
| Clay County | 18 | 13 | 0 | 0.0% |
| St. Louis city | 10 | 6 | 0 | 0.0% |
| Platte County | 9 | 7 | 0 | 0.0% |
| Jefferson County | 8 | 5 | 0 | 0.0% |
| Stone County | 4 | 2 | 0 | 0.0% |
| Cass County | 4 | 4 | 0 | 0.0% |
| Warren County | 2 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 189 applications in 2025, of which 113 were originated and 8 denied.
4.2% of all applications, or 6.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Provident Funding Associates originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology