PROVIDENT FUNDING ASSOCIATES, L.P.

12,170 mortgages originated in 2025 across 28 states, and what they cost borrowers.

Loans originated

12,170

Median rate

6.375%

Median lender fees

$4,740

Median loan amount

$425,000

Median spread over APOR

-0.130

Paid discount points

38.8%

Received lender credits

55.9%

Purchases / refinances

73.9% / 26.1%

Conventional / FHA / VA

100% / 0% / 0%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 97.1% of loans here — see methodology.

Where PROVIDENT FUNDING ASSOCIATES, L.P. lent

States with at least 50 loans in 2025, ranked by volume.