Provident Funding Associates in Ohio vs the state
6.4%Denial rate-11.31 pts vs state
8.6%Decision denial rate-13.29 pts vs state
67.1%Origination rate+7.24 pts vs state
6.38%Median rate-0.50 pts vs state
-0.10Rate spread (pts)-0.49 pts vs state
$139kMedian applicant income
284Loans originated
27Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 254 | 152 | 8.7% | 6.50% | #180 |
| 2024 | 278 | 155 | 11.2% | 6.38% | #179 |
| 2025 | 423 | 284 | 6.4% | 6.38% | #159 |
What Provident Funding Associates lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 104 | 78 | 6 | 5.8% |
| Delaware County | 49 | 37 | 1 | 2.0% |
| Cuyahoga County | 47 | 28 | 5 | 10.6% |
| Hamilton County | 40 | 27 | 1 | 2.5% |
| Summit County | 26 | 15 | 2 | 7.7% |
| Montgomery County | 19 | 13 | 2 | 10.5% |
| Warren County | 17 | 14 | 0 | 0.0% |
| Clermont County | 12 | 9 | 0 | 0.0% |
| Fairfield County | 12 | 10 | 0 | 0.0% |
| Licking County | 11 | 5 | 1 | 9.1% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 423 applications in 2025, of which 284 were originated and 27 denied.
6.4% of all applications, or 8.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Provident Funding Associates originated in Ohio in 2025 was 6.38%, against a statewide median of 6.88%.
About this data. Figures are Provident Funding Associates's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology