Provident Funding Associates in Virginia vs the state
6.4%Denial rate-9.51 pts vs state
8.7%Decision denial rate-11.59 pts vs state
67.2%Origination rate+7.65 pts vs state
6.38%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.38 pts vs state
$153kMedian applicant income
397Loans originated
38Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 463 | 300 | 5.4% | 6.38% | #109 |
| 2024 | 550 | 336 | 6.0% | 6.38% | #99 |
| 2025 | 591 | 397 | 6.4% | 6.38% | #103 |
What Provident Funding Associates lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 120 | 90 | 5 | 4.2% |
| Prince William County | 70 | 46 | 4 | 5.7% |
| Henrico County | 63 | 46 | 3 | 4.8% |
| Loudoun County | 58 | 33 | 5 | 8.6% |
| Chesterfield County | 55 | 35 | 1 | 1.8% |
| Richmond city | 23 | 18 | 0 | 0.0% |
| Virginia Beach city | 21 | 13 | 3 | 14.3% |
| Bedford County | 14 | 7 | 2 | 14.3% |
| Lynchburg city | 14 | 12 | 0 | 0.0% |
| Hanover County | 10 | 9 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 591 applications in 2025, of which 397 were originated and 38 denied.
6.4% of all applications, or 8.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Provident Funding Associates originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology