Provident Funding Associates in North Carolina vs the state
4.2%Denial rate-13.86 pts vs state
5.7%Decision denial rate-17.14 pts vs state
68.6%Origination rate+10.74 pts vs state
6.38%Median rate-0.13 pts vs state
-0.14Rate spread (pts)-0.22 pts vs state
$157kMedian applicant income
669Loans originated
41Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,210 | 758 | 3.9% | 6.38% | #70 |
| 2024 | 990 | 588 | 6.0% | 6.50% | #78 |
| 2025 | 976 | 669 | 4.2% | 6.38% | #90 |
What Provident Funding Associates lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 268 | 185 | 9 | 3.4% |
| Mecklenburg County | 194 | 134 | 9 | 4.6% |
| Durham County | 59 | 38 | 3 | 5.1% |
| Guilford County | 50 | 33 | 1 | 2.0% |
| Union County | 46 | 30 | 0 | 0.0% |
| Cabarrus County | 37 | 25 | 0 | 0.0% |
| Forsyth County | 33 | 21 | 2 | 6.1% |
| New Hanover County | 24 | 17 | 2 | 8.3% |
| Iredell County | 23 | 16 | 2 | 8.7% |
| Johnston County | 19 | 15 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 976 applications in 2025, of which 669 were originated and 41 denied.
4.2% of all applications, or 5.7% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Provident Funding Associates originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Provident Funding Associates's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology