Provident Funding Associates in Pennsylvania vs the state
5.0%Denial rate-13.27 pts vs state
6.5%Decision denial rate-15.72 pts vs state
71.0%Origination rate+10.06 pts vs state
6.38%Median rate-0.25 pts vs state
-0.10Rate spread (pts)-0.34 pts vs state
$153kMedian applicant income
892Loans originated
63Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,507 | 1,076 | 4.9% | 6.38% | #58 |
| 2024 | 1,296 | 901 | 5.0% | 6.50% | #69 |
| 2025 | 1,256 | 892 | 5.0% | 6.38% | #71 |
What Provident Funding Associates lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 231 | 168 | 8 | 3.5% |
| Montgomery County | 205 | 149 | 9 | 4.4% |
| Bucks County | 157 | 124 | 8 | 5.1% |
| Philadelphia County | 126 | 84 | 7 | 5.6% |
| Chester County | 123 | 92 | 3 | 2.4% |
| Delaware County | 91 | 73 | 3 | 3.3% |
| Butler County | 45 | 31 | 2 | 4.4% |
| Lehigh County | 35 | 23 | 0 | 0.0% |
| Lancaster County | 34 | 20 | 3 | 8.8% |
| Northampton County | 26 | 20 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,256 applications in 2025, of which 892 were originated and 63 denied.
5.0% of all applications, or 6.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Provident Funding Associates originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology