Provident Funding Associates in Texas vs the state
7.6%Denial rate-11.88 pts vs state
10.7%Decision denial rate-14.17 pts vs state
61.9%Origination rate+7.04 pts vs state
6.38%Median rate-0.13 pts vs state
-0.18Rate spread (pts)-0.37 pts vs state
$162kMedian applicant income
1,706Loans originated
208Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,495 | 2,563 | 6.0% | 6.38% | #43 |
| 2024 | 5,044 | 3,060 | 6.2% | 6.38% | #34 |
| 2025 | 2,755 | 1,706 | 7.6% | 6.38% | #71 |
What Provident Funding Associates lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 487 | 303 | 32 | 6.6% |
| Harris County | 379 | 233 | 29 | 7.7% |
| Denton County | 329 | 194 | 19 | 5.8% |
| Tarrant County | 273 | 177 | 19 | 7.0% |
| Dallas County | 230 | 141 | 13 | 5.7% |
| Fort Bend County | 193 | 115 | 21 | 10.9% |
| Travis County | 142 | 90 | 12 | 8.5% |
| Williamson County | 127 | 80 | 10 | 7.9% |
| Montgomery County | 82 | 56 | 9 | 11.0% |
| Bexar County | 78 | 56 | 5 | 6.4% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,755 applications in 2025, of which 1,706 were originated and 208 denied.
7.6% of all applications, or 10.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Provident Funding Associates originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology