Provident Funding Associates L.p. Mortgage Rates, Fees & Info

BURLINGAME, CA

LEI: 54930043BMDE130FJ617

Tax ID: 77-0323586

5 stars - out of 5 stars, based on 105 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Provident Funding Associates L.p. is a mid-sized mortgage company specializing in Home Purchase loans. Provident Funding Associates L.p. has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Philadelphia, Houston, Atlanta, and Portland among others. We have data for 354 markets. (Some data included below & more in-depth data is available with an active subscription.)

Provident Funding Associates L.p. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Provident Funding Associates L.p. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.19% 5/28/23
30 Year Conventional Refi 6.11% 5/28/23
30 Year Cash-out Refi 6.21% 5/28/23
15 Year Conventional Purchase 5.51% 5/28/23
15 Year Conventional Refi 5.58% 5/28/23
15 Year Cash-out Refi 5.58% 5/28/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Provident Funding Associates L.p. Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Provident Funding Associates L.p.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

11,098

Origination Dollar Volume (All Markets)

$4,007,860,000
Show all (235) awards

Relative Rate

Provident Funding Associates L.p.'s average 30 year fixed mortgage rate was 4.66%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of -0.1%.

Relative Fees (Closing Costs)

Provident Funding Associates L.p.'s average total fees/closing costs for a 30 year fixed rate mortgage were $5,196.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,150 $480,920,000 $418,191 $6,160 4.43%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 537 $191,785,000 $357,142 $5,598 4.66%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 518 $186,470,000 $359,981 $5,911 4.24%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 463 $172,035,000 $371,566 $4,572 4.57%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 402 $169,360,000 $421,294 $5,194 4.27%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 304 $131,580,000 $432,829 $6,092 4.30%
RALEIGH-CARY, NC (FHA|USDA|VA) 313 $129,325,000 $413,179 $3,960 4.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 352 $116,520,000 $331,023 $5,324 4.59%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 272 $110,870,000 $407,610 $4,000 4.15%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 248 $107,780,000 $434,597 $4,781 4.05%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 284 $97,820,000 $344,437 $4,310 3.94%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 241 $89,275,000 $370,436 $6,233 4.54%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 234 $89,250,000 $381,410 $4,202 4.48%
SALT LAKE CITY, UT (FHA|USDA|VA) 230 $85,540,000 $371,913 $4,307 3.96%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 222 $84,380,000 $380,090 $5,064 4.27%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 188 $74,110,000 $394,202 $4,776 3.87%
LOUISVILLE, KY (FHA|USDA|VA) 234 $64,910,000 $277,393 $3,529 4.50%
PITTSBURGH, PA (FHA|USDA|VA) 208 $63,470,000 $305,144 $5,488 4.47%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 151 $62,845,000 $416,192 $4,317 3.61%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 166 $61,170,000 $368,494 $4,224 4.29%
PROVO-OREM, UT (FHA|USDA|VA) 140 $53,600,000 $382,857 $4,954 4.01%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 135 $52,015,000 $385,296 $4,227 4.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 123 $49,745,000 $404,431 $5,205 4.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 131 $44,005,000 $335,916 $4,089 4.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 114 $43,490,000 $381,491 $6,500 4.20%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 108 $42,930,000 $397,500 $3,956 3.54%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 141 $41,025,000 $290,957 $3,312 4.71%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 144 $38,300,000 $265,972 $3,480 4.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 89 $36,255,000 $407,360 $5,422 4.16%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 83 $33,715,000 $406,205 $5,125 3.84%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 98 $33,480,000 $341,633 $5,757 4.61%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 93 $32,175,000 $345,968 $5,578 4.19%
RICHMOND, VA (FHA|USDA|VA) 86 $28,400,000 $330,233 $4,092 4.60%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 76 $27,420,000 $360,789 $3,754 4.46%
Outside of Metro Areas 89 $26,815,000 $301,292 $5,049 4.77%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 88 $25,080,000 $285,000 $4,606 4.28%
ST. LOUIS, MO-IL (FHA|USDA|VA) 84 $24,430,000 $290,833 $3,609 4.91%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 77 $24,165,000 $313,831 $3,534 4.58%
KANSAS CITY, MO-KS (FHA|USDA|VA) 65 $22,885,000 $352,077 $3,646 4.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 62 $21,090,000 $340,161 $5,977 4.54%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 54 $19,740,000 $365,556 $4,505 4.47%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 50 $18,570,000 $371,400 $4,738 4.39%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 57 $18,345,000 $321,842 $4,798 4.47%
COLUMBUS, OH (FHA|USDA|VA) 59 $17,725,000 $300,424 $4,480 4.71%
BEND, OR (FHA|USDA|VA) 44 $17,370,000 $394,773 $5,368 4.68%
COLORADO SPRINGS, CO (FHA|USDA|VA) 42 $15,730,000 $374,524 $3,994 4.55%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 52 $15,620,000 $300,385 $4,766 4.46%
STOCKTON, CA (FHA|USDA|VA) 36 $14,460,000 $401,667 $3,841 4.11%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 49 $13,625,000 $278,061 $3,728 4.58%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 43 $12,865,000 $299,186 $4,423 4.52%
TUCSON, AZ (FHA|USDA|VA) 43 $12,515,000 $291,047 $4,108 4.15%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 34 $12,300,000 $361,765 $4,887 4.36%
FORT COLLINS, CO (FHA|USDA|VA) 29 $11,425,000 $393,966 $4,618 4.37%
JACKSONVILLE, FL (FHA|USDA|VA) 40 $11,290,000 $282,250 $4,482 4.37%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 33 $11,225,000 $340,152 $6,019 4.39%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 39 $10,745,000 $275,513 $4,500 4.68%
WILMINGTON, NC (FHA|USDA|VA) 28 $9,930,000 $354,643 $4,250 4.51%
LOGAN, UT-ID (FHA|USDA|VA) 27 $9,595,000 $355,370 $4,475 4.42%
VALLEJO, CA (FHA|USDA|VA) 27 $9,475,000 $350,926 $4,975 4.04%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 30 $9,150,000 $305,000 $5,303 4.65%
GREELEY, CO (FHA|USDA|VA) 24 $9,140,000 $380,833 $4,148 4.35%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 24 $8,950,000 $372,917 $5,223 4.60%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 21 $8,715,000 $415,000 $5,421 3.89%
RENO, NV (FHA|USDA|VA) 21 $8,385,000 $399,286 $5,812 5.12%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $8,140,000 $313,077 $4,377 4.04%
BOULDER, CO (FHA|USDA|VA) 18 $8,120,000 $451,111 $3,063 4.03%
ST. GEORGE, UT (FHA|USDA|VA) 25 $8,095,000 $323,800 $4,041 4.33%
WORCESTER, MA-CT (FHA|USDA|VA) 23 $7,985,000 $347,174 $4,069 4.48%
GAINESVILLE, FL (FHA|USDA|VA) 29 $7,905,000 $272,586 $4,063 4.02%
OKLAHOMA CITY, OK (FHA|USDA|VA) 28 $7,540,000 $269,286 $4,160 5.29%
TULSA, OK (FHA|USDA|VA) 27 $6,975,000 $258,333 $4,776 4.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $6,920,000 $346,000 $7,460 4.99%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 15 $6,775,000 $451,667 $3,785 4.72%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 26 $6,730,000 $258,846 $2,539 5.13%
SALEM, OR (FHA|USDA|VA) 18 $6,330,000 $351,667 $5,244 4.27%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 16 $5,900,000 $368,750 $5,891 4.15%
Heber, UT (FHA|USDA|VA) 14 $5,860,000 $418,571 $3,814 3.39%
REDDING, CA (FHA|USDA|VA) 17 $5,605,000 $329,706 $4,449 4.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 21 $5,475,000 $260,714 $3,812 4.30%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 18 $5,370,000 $298,333 $5,083 4.95%
LYNCHBURG, VA (FHA|USDA|VA) 22 $5,360,000 $243,636 $3,737 4.49%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 18 $5,270,000 $292,778 $5,259 4.76%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 17 $5,265,000 $309,706 $5,323 4.24%
BOISE CITY, ID (FHA|USDA|VA) 13 $5,245,000 $403,462 $8,373 5.70%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 21 $5,205,000 $247,857 $3,712 4.40%
LANCASTER, PA (FHA|USDA|VA) 21 $5,075,000 $241,667 $4,820 3.92%
FRESNO, CA (FHA|USDA|VA) 19 $5,005,000 $263,421 $5,052 4.20%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 10 $4,880,000 $488,000 $6,034 3.78%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 17 $4,545,000 $267,353 $5,810 4.69%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 16 $4,440,000 $277,500 $5,503 4.41%
COLUMBIA, SC (FHA|USDA|VA) 16 $4,260,000 $266,250 $3,771 4.24%
GAINESVILLE, GA (FHA|USDA|VA) 15 $4,145,000 $276,333 $3,965 4.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 13 $3,965,000 $305,000 $4,046 5.03%
Torrington, CT (FHA|USDA|VA) 15 $3,955,000 $263,667 $4,912 5.23%
WENATCHEE, WA (FHA|USDA|VA) 9 $3,935,000 $437,222 $6,623 4.17%
MODESTO, CA (FHA|USDA|VA) 11 $3,815,000 $346,818 $5,666 4.41%
FLAGSTAFF, AZ (FHA|USDA|VA) 10 $3,810,000 $381,000 $5,130 4.40%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 10 $3,780,000 $378,000 $4,084 4.58%
Durango, CO (FHA|USDA|VA) 9 $3,765,000 $418,333 $2,894 4.63%
AKRON, OH (FHA|USDA|VA) 14 $3,760,000 $268,571 $3,490 4.37%
Jefferson, GA (FHA|USDA|VA) 11 $3,745,000 $340,455 $6,471 5.02%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 10 $3,560,000 $356,000 $4,916 4.08%
TALLAHASSEE, FL (FHA|USDA|VA) 12 $3,530,000 $294,167 $5,098 4.71%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $3,505,000 $389,444 $3,546 4.71%
NAPA, CA (FHA|USDA|VA) 9 $3,335,000 $370,556 $5,010 3.76%
CORVALLIS, OR (FHA|USDA|VA) 9 $3,325,000 $369,444 $4,852 4.08%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 9 $3,295,000 $366,111 $4,614 3.83%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $3,285,000 $365,000 $3,840 4.96%
PORT ST. LUCIE, FL (FHA|USDA|VA) 10 $3,220,000 $322,000 $5,338 4.48%
ANN ARBOR, MI (FHA|USDA|VA) 9 $3,095,000 $343,889 $3,590 3.99%
KNOXVILLE, TN (FHA|USDA|VA) 12 $3,080,000 $256,667 $4,508 4.51%
YUBA CITY, CA (FHA|USDA|VA) 10 $3,020,000 $302,000 $4,107 3.86%
BELLINGHAM, WA (FHA|USDA|VA) 9 $2,945,000 $327,222 $5,720 4.22%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 9 $2,925,000 $325,000 $4,008 5.97%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $2,885,000 $412,143 $7,604 4.50%
ASHEVILLE, NC (FHA|USDA|VA) 10 $2,880,000 $288,000 $4,285 4.85%
CHICO, CA (FHA|USDA|VA) 8 $2,820,000 $352,500 $5,409 3.75%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 8 $2,790,000 $348,750 $4,166 4.28%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 8 $2,610,000 $326,250 $5,826 4.58%
GRAND JUNCTION, CO (FHA|USDA|VA) 12 $2,560,000 $213,333 $4,160 4.53%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 10 $2,490,000 $249,000 $4,095 3.85%
BAKERSFIELD, CA (FHA|USDA|VA) 10 $2,480,000 $248,000 $4,236 4.73%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $2,475,000 $275,000 $3,096 5.39%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $2,460,000 $307,500 $3,877 3.48%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 6 $2,420,000 $403,333 $6,137 4.90%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 7 $2,395,000 $342,143 $5,724 4.21%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 9 $2,365,000 $262,778 $6,905 4.32%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 10 $2,300,000 $230,000 $4,490 4.60%
Edwards, CO (FHA|USDA|VA) 5 $2,245,000 $449,000 $3,590 3.95%
BLOOMINGTON, IN (FHA|USDA|VA) 7 $2,125,000 $303,571 $2,846 4.32%
MERCED, CA (FHA|USDA|VA) 7 $2,115,000 $302,143 $5,354 4.07%
IDAHO FALLS, ID (FHA|USDA|VA) 6 $2,110,000 $351,667 $5,814 4.60%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $2,110,000 $351,667 $7,904 5.33%
OCALA, FL (FHA|USDA|VA) 9 $2,095,000 $232,778 $6,436 5.22%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 7 $2,035,000 $290,714 $4,617 4.61%
Cedar City, UT (FHA|USDA|VA) 5 $1,795,000 $359,000 $4,294 3.90%
YORK-HANOVER, PA (FHA|USDA|VA) 9 $1,795,000 $199,444 $4,730 4.08%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,790,000 $298,333 $6,127 5.06%
SALINAS, CA (FHA|USDA|VA) 6 $1,790,000 $298,333 $4,514 4.21%
Richmond-Berea, KY (FHA|USDA|VA) 7 $1,775,000 $253,571 $3,524 4.91%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,745,000 $193,889 $4,477 4.90%
THE VILLAGES, FL (FHA|USDA|VA) 6 $1,720,000 $286,667 $5,753 5.08%
MADISON, WI (FHA|USDA|VA) 5 $1,675,000 $335,000 $2,950 4.78%
EAST STROUDSBURG, PA (FHA|USDA|VA) 6 $1,640,000 $273,333 $7,262 5.17%
The Dalles, OR (FHA|USDA|VA) 4 $1,620,000 $405,000 $5,914 5.84%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,600,000 $400,000 $7,149 4.34%
Hood River, OR (FHA|USDA|VA) 4 $1,590,000 $397,500 $3,214 4.41%
READING, PA (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,113 4.75%
Frankfort, KY (FHA|USDA|VA) 7 $1,565,000 $223,571 $3,246 4.98%
PEORIA, IL (FHA|USDA|VA) 6 $1,560,000 $260,000 $2,423 4.85%
MADERA, CA (FHA|USDA|VA) 6 $1,560,000 $260,000 $4,221 4.54%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $1,555,000 $311,000 $3,770 3.98%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,535,000 $511,667 $7,366 4.17%
Eureka-Arcata, CA (FHA|USDA|VA) 5 $1,495,000 $299,000 $4,737 5.25%
BLOOMINGTON, IL (FHA|USDA|VA) 6 $1,480,000 $246,667 $3,783 4.94%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $1,460,000 $365,000 $7,875 3.91%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 6 $1,440,000 $240,000 $6,538 4.29%
LUBBOCK, TX (FHA|USDA|VA) 7 $1,425,000 $203,571 $6,383 5.00%
Hailey, ID (FHA|USDA|VA) 4 $1,390,000 $347,500 $6,960 3.59%
LEBANON, PA (FHA|USDA|VA) 5 $1,375,000 $275,000 $5,088 4.35%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,345,000 $269,000 $3,613 4.70%
GREENVILLE, NC (FHA|USDA|VA) 6 $1,300,000 $216,667 $2,629 4.48%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,285,000 $257,000 $4,381 5.45%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,742 4.63%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $1,245,000 $415,000 $6,978 3.08%
ALBANY-LEBANON, OR (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,954 4.65%
WICHITA, KS (FHA|USDA|VA) 4 $1,240,000 $310,000 $4,666 5.81%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,521 4.20%
CARSON CITY, NV (FHA|USDA|VA) 3 $1,235,000 $411,667 $3,842 3.42%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $1,230,000 $307,500 $3,990 4.06%
Morehead City, NC (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,294 5.04%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,160,000 $580,000 $4,419 5.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 4 $1,150,000 $287,500 $4,387 3.25%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 3 $1,125,000 $375,000 $4,261 5.04%
Port Angeles, WA (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,498 4.16%
Astoria, OR (FHA|USDA|VA) 3 $1,085,000 $361,667 $7,940 5.00%
Sanford, NC (FHA|USDA|VA) 4 $1,080,000 $270,000 $3,259 4.47%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $1,060,000 $265,000 $4,461 5.22%
GRANTS PASS, OR (FHA|USDA|VA) 2 $1,040,000 $520,000 $5,291 3.31%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,020,000 $510,000 $6,367 4.94%
DAYTON-KETTERING, OH (FHA|USDA|VA) 4 $1,020,000 $255,000 $3,672 4.63%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,142 5.15%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 5 $1,005,000 $201,000 $2,800 3.85%
Moses Lake, WA (FHA|USDA|VA) 2 $1,000,000 $500,000 $6,308 6.44%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $990,000 $247,500 $4,836 3.94%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $990,000 $247,500 $3,128 3.97%
SPARTANBURG, SC (FHA|USDA|VA) 3 $985,000 $328,333 $4,479 3.92%
Georgetown, SC (FHA|USDA|VA) 3 $965,000 $321,667 $4,293 4.96%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 5 $955,000 $191,000 $3,885 4.10%
Bardstown, KY (FHA|USDA|VA) 3 $955,000 $318,333 $4,918 4.46%
ROANOKE, VA (FHA|USDA|VA) 3 $915,000 $305,000 $4,897 4.13%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $915,000 $305,000 $4,475 5.79%
Cañon City, CO (FHA|USDA|VA) 3 $885,000 $295,000 $3,858 4.29%
MEDFORD, OR (FHA|USDA|VA) 4 $880,000 $220,000 $3,213 4.06%
MIDLAND, TX (FHA|USDA|VA) 2 $870,000 $435,000 $7,630 4.38%
STATE COLLEGE, PA (FHA|USDA|VA) 3 $865,000 $288,333 $7,193 3.79%
WARNER ROBINS, GA (FHA|USDA|VA) 4 $860,000 $215,000 $3,386 4.78%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $855,000 $285,000 $2,759 3.75%
PANAMA CITY, FL (FHA|USDA|VA) 2 $850,000 $425,000 $5,764 5.69%
Traverse City, MI (FHA|USDA|VA) 2 $850,000 $425,000 $3,728 4.38%
PUEBLO, CO (FHA|USDA|VA) 3 $845,000 $281,667 $4,384 4.88%
WALLA WALLA, WA (FHA|USDA|VA) 2 $840,000 $420,000 $3,782 3.44%
Oak Harbor, WA (FHA|USDA|VA) 3 $815,000 $271,667 $4,679 4.04%
LONGVIEW, WA (FHA|USDA|VA) 3 $785,000 $261,667 $3,081 3.79%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $780,000 $195,000 $5,242 3.69%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $760,000 $190,000 $4,249 3.63%
SPRINGFIELD, MA (FHA|USDA|VA) 4 $750,000 $187,500 $3,717 4.91%
Show Low, AZ (FHA|USDA|VA) 2 $730,000 $365,000 $6,836 4.69%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $720,000 $360,000 $3,956 5.81%
Seneca, SC (FHA|USDA|VA) 2 $700,000 $350,000 $4,460 4.13%
Boone, NC (FHA|USDA|VA) 3 $695,000 $231,667 $2,248 3.13%
Clearlake, CA (FHA|USDA|VA) 3 $685,000 $228,333 $5,194 3.08%
Glenwood Springs, CO (FHA|USDA|VA) 2 $680,000 $340,000 $2,338 3.38%
Bonham, TX (FHA|USDA|VA) 2 $660,000 $330,000 $5,584 6.19%
KOKOMO, IN (FHA|USDA|VA) 2 $640,000 $320,000 $2,143 6.63%
Breckenridge, CO (FHA|USDA|VA) 2 $620,000 $310,000 $3,174 5.13%
Ellensburg, WA (FHA|USDA|VA) 1 $605,000 $605,000 $5,526 5.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $600,000 $300,000 $10,737 4.06%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $595,000 $595,000 $3,557 3.38%
VISALIA, CA (FHA|USDA|VA) 3 $595,000 $198,333 $3,317 3.58%
Sevierville, TN (FHA|USDA|VA) 2 $590,000 $295,000 $4,337 4.63%
APPLETON, WI (FHA|USDA|VA) 1 $585,000 $585,000 $4,793 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $585,000 $195,000 $5,380 5.79%
JACKSON, MI (FHA|USDA|VA) 2 $580,000 $290,000 $3,936 3.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $580,000 $290,000 $2,285 3.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $560,000 $280,000 $6,734 5.25%
Outside of Metro Areas 2 $540,000 $270,000 $5,502 4.06%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $540,000 $270,000 $3,602 5.13%
Centralia, WA (FHA|USDA|VA) 2 $530,000 $265,000 $2,571 5.06%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $525,000 $175,000 $3,206 3.21%
Roseburg, OR (FHA|USDA|VA) 2 $520,000 $260,000 $5,804 6.00%
ST. CLOUD, MN (FHA|USDA|VA) 2 $520,000 $260,000 $4,402 4.50%
Gainesville, TX (FHA|USDA|VA) 1 $515,000 $515,000 $5,116 4.50%
TOPEKA, KS (FHA|USDA|VA) 2 $510,000 $255,000 $4,589 4.88%
Brenham, TX (FHA|USDA|VA) 2 $500,000 $250,000 $4,255 4.38%
Milledgeville, GA (FHA|USDA|VA) 1 $485,000 $485,000 $3,529 2.13%
ROCHESTER, MN (FHA|USDA|VA) 1 $485,000 $485,000 $4,672 6.50%
Klamath Falls, OR (FHA|USDA|VA) 1 $475,000 $475,000 $6,410 4.63%
NEW BERN, NC (FHA|USDA|VA) 3 $475,000 $158,333 $3,040 5.50%
BRUNSWICK, GA (FHA|USDA|VA) 2 $470,000 $235,000 $8,662 4.50%
Vernal, UT (FHA|USDA|VA) 1 $455,000 $455,000 $4,704 6.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $455,000 $455,000 $3,651 6.75%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $455,000 $455,000 $2,504 2.38%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $450,000 $225,000 $5,002 4.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $450,000 $225,000 $4,124 4.75%
Crossville, TN (FHA|USDA|VA) 2 $450,000 $225,000 $3,102 3.88%
SAN ANGELO, TX (FHA|USDA|VA) 2 $440,000 $220,000 $8,032 5.50%
LaGrange, GA-AL (FHA|USDA|VA) 2 $420,000 $210,000 $6,168 5.19%
Prineville, OR (FHA|USDA|VA) 1 $415,000 $415,000 $4,778 4.13%
HINESVILLE, GA (FHA|USDA|VA) 3 $405,000 $135,000 $0 5.13%
COLUMBUS, IN (FHA|USDA|VA) 3 $395,000 $131,667 $2,473 4.96%
COLUMBIA, MO (FHA|USDA|VA) 1 $395,000 $395,000 $2,674 5.00%
Fergus Falls, MN (FHA|USDA|VA) 1 $385,000 $385,000 $3,704 6.13%
EL CENTRO, CA (FHA|USDA|VA) 2 $380,000 $190,000 $3,273 3.25%
VALDOSTA, GA (FHA|USDA|VA) 2 $380,000 $190,000 $5,932 3.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $375,000 $375,000 $2,709 4.88%
Stephenville, TX (FHA|USDA|VA) 1 $375,000 $375,000 $5,142 5.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $375,000 $375,000 $5,713 4.75%
Lake City, FL (FHA|USDA|VA) 2 $370,000 $185,000 $3,346 3.31%
ROCKFORD, IL (FHA|USDA|VA) 2 $360,000 $180,000 $2,944 3.06%
Payson, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $5,843 4.81%
Dayton, TN (FHA|USDA|VA) 1 $355,000 $355,000 $3,980 4.88%
Paris, TX (FHA|USDA|VA) 1 $345,000 $345,000 $4,570 5.00%
Tifton, GA (FHA|USDA|VA) 1 $345,000 $345,000 $10,613 3.50%
LAWRENCE, KS (FHA|USDA|VA) 1 $345,000 $345,000 $3,142 4.75%
Red Bluff, CA (FHA|USDA|VA) 1 $335,000 $335,000 $3,136 4.00%
SUMTER, SC (FHA|USDA|VA) 1 $335,000 $335,000 $3,485 6.63%
Albemarle, NC (FHA|USDA|VA) 1 $325,000 $325,000 $6,972 4.75%
Newberry, SC (FHA|USDA|VA) 1 $325,000 $325,000 $3,606 3.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $320,000 $160,000 $3,220 4.38%
Tahlequah, OK (FHA|USDA|VA) 1 $315,000 $315,000 $9,932 6.63%
Athens, OH (FHA|USDA|VA) 1 $305,000 $305,000 $13,540 3.13%
WACO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $6,623 4.13%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $295,000 $295,000 $7,593 6.88%
Del Rio, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,399 5.38%
DuBois, PA (FHA|USDA|VA) 2 $290,000 $145,000 $4,170 5.25%
Statesboro, GA (FHA|USDA|VA) 2 $290,000 $145,000 $3,645 2.06%
EL PASO, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,075 5.75%
Marion, OH (FHA|USDA|VA) 1 $275,000 $275,000 $4,164 4.00%
Cullowhee, NC (FHA|USDA|VA) 1 $275,000 $275,000 $4,530 4.38%
JACKSON, TN (FHA|USDA|VA) 1 $275,000 $275,000 $2,965 3.25%
Okeechobee, FL (FHA|USDA|VA) 1 $275,000 $275,000 $9,807 3.50%
JOPLIN, MO (FHA|USDA|VA) 1 $275,000 $275,000 $6,205 3.50%
FLINT, MI (FHA|USDA|VA) 2 $270,000 $135,000 $3,318 3.81%
Bartlesville, OK (FHA|USDA|VA) 1 $265,000 $265,000 $6,527 5.00%
Farmington, MO (FHA|USDA|VA) 1 $265,000 $265,000 $3,439 6.25%
Scottsburg, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,872 5.38%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $265,000 $265,000 $3,197 4.75%
ODESSA, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,159 5.50%
Middlesborough, KY (FHA|USDA|VA) 1 $255,000 $255,000 $2,895 3.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,822 3.38%
Danville, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,659 5.75%
Richmond, IN (FHA|USDA|VA) 2 $250,000 $125,000 $2,942 4.38%
Cornelia, GA (FHA|USDA|VA) 1 $235,000 $235,000 $8,475 5.63%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $2,591 2.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,588 6.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,650 5.25%
Somerset, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,138 4.25%
Pottsville, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,768 4.50%
ALBANY, GA (FHA|USDA|VA) 1 $225,000 $225,000 $2,955 3.63%
Rockingham, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,835 5.38%
Waycross, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,205 4.13%
MUNCIE, IN (FHA|USDA|VA) 1 $225,000 $225,000 $4,369 6.50%
Ukiah, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,985 2.13%
New Castle, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,426 3.88%
BAY CITY, MI (FHA|USDA|VA) 1 $215,000 $215,000 $4,016 6.13%
LAREDO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,581 3.50%
Corsicana, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,211 3.00%
Calhoun, GA (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.88%
North Wilkesboro, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,618 6.50%
Shelton, WA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.25%
Mount Pleasant, TX (FHA|USDA|VA) 1 $195,000 $195,000 $4,029 5.38%
FLORENCE, SC (FHA|USDA|VA) 1 $195,000 $195,000 $4,508 4.88%
OWENSBORO, KY (FHA|USDA|VA) 1 $185,000 $185,000 $4,046 5.13%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $185,000 $185,000 $4,389 3.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,500 3.38%
ABILENE, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,317 4.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,620 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $2,360 2.13%
Kendallville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,926 2.25%
Madisonville, KY (FHA|USDA|VA) 1 $165,000 $165,000 $3,589 6.38%
Salem, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,980 6.75%
Owatonna, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,280 2.75%
AMARILLO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 5.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,337 4.88%
Blackfoot, ID (FHA|USDA|VA) 1 $155,000 $155,000 $4,221 5.00%
Montrose, CO (FHA|USDA|VA) 1 $155,000 $155,000 $1,923 3.38%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $155,000 $155,000 $5,903 2.88%
MANSFIELD, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,518 5.00%
Aberdeen, WA (FHA|USDA|VA) 1 $155,000 $155,000 $4,351 4.63%
CLEVELAND, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,175 3.00%
YAKIMA, WA (FHA|USDA|VA) 1 $155,000 $155,000 $3,364 5.63%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,131 3.63%
Crescent City, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,505 2.63%
Maryville, MO (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.63%
Urbana, OH (FHA|USDA|VA) 1 $145,000 $145,000 $5,791 4.63%
Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,758 5.63%
Sonora, CA (FHA|USDA|VA) 1 $135,000 $135,000 $6,080 3.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $125,000 $125,000 $2,925 2.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,069 2.38%
MONROE, MI (FHA|USDA|VA) 1 $125,000 $125,000 $3,088 2.25%
Branson, MO (FHA|USDA|VA) 1 $125,000 $125,000 $3,571 5.50%
Chillicothe, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,094 3.63%
Madison, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,066 4.38%
YUMA, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,840 2.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,912 3.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,361 2.88%
Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,770 5.25%
Orangeburg, SC (FHA|USDA|VA) 1 $85,000 $85,000 $4,064 6.13%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,905 4.38%
Campbellsville, KY (FHA|USDA|VA) 1 $85,000 $85,000 $3,050 3.13%
MORRISTOWN, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.25%
TOLEDO, OH (FHA|USDA|VA) 1 $65,000 $65,000 $2,805 2.75%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $65,000 $65,000 $3,958 3.75%
Provident Funding Associates L.p.'s top markets include Dallas, Philadelphia, Houston, Atlanta, and Portland among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 11,098 $4,007,860,000 $361,134 $4,927 4.36%

    For 2022, Provident Funding Associates L.p.'s most frequently originated type of loan was Conventional, with 11,098 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 7,547 $2,951,225,000 $391,046 $5,583 4.84%
    Refi 1,958 $567,070,000 $289,617 $3,514 3.13%
    Cash Out Refi 1,593 $489,565,000 $307,323 $3,750 3.61%

    For 2022, Provident Funding Associates L.p.'s most frequently cited loan purpose was Home Purchase, with 7,547 originations. The 2nd most popular reason was Refi, with 1,958 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,751 $3,340,605,000 $381,740 $5,196 4.66%
    15 Year 1,884 $546,020,000 $289,820 $4,073 3.25%
    20 Year 227 $67,035,000 $295,308 $3,659 3.65%
    10 Year 188 $40,610,000 $216,011 $3,191 2.82%
    Other 48 $13,590,000 $283,125 $3,694 3.28%

    For 2022, Provident Funding Associates L.p.'s most frequently cited loan duration was 30 Year, with 8,751 originations. The 2nd most popular length was 15 Year, with 1,884 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 7,353 $2,653,835,000 $360,919
    $2k-3k 1,118 $392,890,000 $351,422
    $5k+ 889 $390,405,000 $439,151
    $3k-4k 586 $222,520,000 $379,727
    $4k-5k 358 $133,970,000 $374,218
    $<1k 2 $170,000 $85,000

    Provident Funding Associates L.p.'s average total fees were $5,196, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7,353 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,944 $1,139,320,000 $386,997
    3-4% 2,498 $903,500,000 $361,689
    5-6% 2,210 $825,080,000 $373,339
    2.5-3% 1,345 $456,035,000 $339,059
    6-7% 1,150 $419,310,000 $364,617
    <2.5% 892 $245,620,000 $275,359
    7-8% 59 $18,995,000 $321,949

    During 2022, Provident Funding Associates L.p.'s average interest rate for loans was 4.66%, while their most frequently originated rate bucket for loans was 4-5%, with 2,944 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,157 $1,549,885,000 $300,540 $4,493 4.39%
    $400k-600k 3,492 $1,696,470,000 $485,816 $5,833 4.51%
    $100k-200k 1,485 $235,215,000 $158,394 $3,311 3.91%
    $600k-1MM 796 $505,810,000 $635,440 $6,483 4.48%
    $100,000 or less 162 $12,940,000 $79,877 $3,026 3.89%
    $1MM+ 6 $7,540,000 $1,256,667 $13,931 3.54%

    2022 saw Provident Funding Associates L.p. place emphasis on $200k-400k loans with 5,157 originations, totaling $1,549,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,910 $1,480,980,000 $378,767 $5,031 4.35%
    $150k-250k 2,904 $1,237,240,000 $426,047 $5,445 4.51%
    $75k-100k 1,786 $549,380,000 $307,604 $4,536 4.23%
    $50k-75k 1,299 $308,025,000 $237,125 $4,057 4.12%
    $250k+ 839 $375,155,000 $447,145 $5,894 4.78%
    $50k or less 360 $57,080,000 $158,556 $3,342 3.95%

    Provident Funding Associates L.p. lent most frequently to those with incomes in the $100k-150k range, with 3,910 originations. The second most popular income band? $150k-250k, with 2,904 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,569 $858,195,000 $334,058 $4,638 4.13%
    30-36% 2,355 $879,435,000 $373,433 $4,906 4.36%
    <20% 715 $195,935,000 $274,035 $3,950 3.86%
    42% 485 $182,525,000 $376,340 $5,011 4.47%
    41% 480 $184,460,000 $384,292 $5,086 4.47%
    40% 478 $179,880,000 $376,318 $5,113 4.54%
    37% 459 $172,355,000 $375,501 $5,188 4.51%
    38% 446 $167,180,000 $374,843 $5,183 4.52%
    36% 430 $158,270,000 $368,070 $5,085 4.40%
    39% 428 $160,710,000 $375,491 $5,309 4.60%
    44% 370 $137,740,000 $372,270 $5,001 4.49%
    43% 358 $138,370,000 $386,508 $5,326 4.52%
    49% 346 $133,780,000 $386,647 $5,591 4.60%
    45% 291 $114,285,000 $392,732 $5,581 4.60%
    46% 290 $111,940,000 $386,000 $5,264 4.78%
    47% 279 $108,325,000 $388,262 $5,064 4.64%
    48% 261 $102,975,000 $394,540 $5,317 4.54%
    50-60% 58 $21,500,000 $370,690 $5,357 4.78%

    Provident Funding Associates L.p. lent most frequently to those with DTI ratios of 20-30%, with 2,569 originations. The next most common DTI ratio? 30-36%, with 2,355 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,786 $1,608,320,000 $336,047 $4,710 4.41%
    Asian 3,696 $1,493,270,000 $404,023 $5,293 4.36%
    Not provided 2,454 $851,090,000 $346,817 $4,822 4.26%
    Black 133 $43,785,000 $329,211 $5,244 4.53%
    American Indian 19 $7,495,000 $394,474 $4,278 4.76%
    Native Hawaiian or Islander 10 $3,900,000 $390,000 $5,110 4.55%

    Approval Rates

    Total approvals of all applications
    91.86%

    Provident Funding Associates L.p. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    50.30%

    Provident Funding Associates L.p. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,098 $4,007,860,000 $361,134

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,098 $4,007,860,000 $361,134

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,107 $254,685,000 $230,068 $3,607 3.61%
    40-60% 1,957 $612,255,000 $312,854 $3,976 3.80%
    60-80% 3,945 $1,480,775,000 $375,355 $5,217 4.54%
    80-100% 3,873 $1,615,355,000 $417,081 $5,573 4.73%
    Under 20% 216 $44,790,000 $207,361 $3,521 3.45%