Provident Funding Associates in New Jersey vs the state
6.6%Denial rate-11.12 pts vs state
9.2%Decision denial rate-13.81 pts vs state
63.1%Origination rate+7.45 pts vs state
6.38%Median rate-0.38 pts vs state
-0.12Rate spread (pts)-0.40 pts vs state
$179kMedian applicant income
423Loans originated
44Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 828 | 439 | 7.0% | 6.50% | #63 |
| 2024 | 895 | 513 | 6.8% | 6.50% | #61 |
| 2025 | 670 | 423 | 6.6% | 6.38% | #95 |
What Provident Funding Associates lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 106 | 69 | 7 | 6.6% |
| Bergen County | 101 | 61 | 5 | 5.0% |
| Monmouth County | 53 | 34 | 4 | 7.5% |
| Camden County | 51 | 36 | 4 | 7.8% |
| Somerset County | 48 | 38 | 0 | 0.0% |
| Burlington County | 47 | 29 | 5 | 10.6% |
| Morris County | 40 | 25 | 2 | 5.0% |
| Ocean County | 38 | 21 | 3 | 7.9% |
| Mercer County | 31 | 16 | 3 | 9.7% |
| Passaic County | 30 | 18 | 2 | 6.7% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 670 applications in 2025, of which 423 were originated and 44 denied.
6.6% of all applications, or 9.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Provident Funding Associates originated in New Jersey 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology