Applications / Mortgage Analytics / Lenders / California / Provident Funding Associates
San Bruno, CA · Non-bank or government lender · CFPB · 12,170 loans in 2025
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12,170
loans originated, 2025
18,818
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Provident Funding Associates makes only conventional loans, larger and at lower rates than similar lenders, and its originations fell 9% in 2025 while its peers' rose.
All its 2025 loans were conventional, as is typical for similar lenders (non-bank or government lenders making between a quarter and four times as many loans). Its typical loan was $425,000, the largest in that group, whose typical loan was $180,000. Its originated amount, $5.41 billion, was also the highest in that group.
Its typical rate was 6.38%, the lowest among similar lenders, against 7.99% for peers, and none of its loans was higher-priced (a rate well above the average for similar loans), against 35.3% for peers.
It made 12,170 loans, down 9% from 13,307, while similar lenders typically grew 30% and the whole market 10%. Five years earlier it made 45,419. Its peers make smaller loans and more of them are higher-priced, so they may serve different borrowers and their growth may be a loose guide. It gained share in Portland-Vancouver-Hillsboro, to 1.0% from 0.9%, and in Denver-Aurora-Centennial, to 0.6% from 0.5%.
9.9% of its loans were in LMI (low- and moderate-income) areas and 22.3% in majority-minority areas, the lowest shares among its peers, whose typical shares were 25.0% and 40.1%. Possible reasons are its larger loans and the markets it serves.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Provident Funding Associates took 18,818 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.9% · Refinance 26.1%
Conventional 100.0% · of 12,170 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,706 | 14.0% |
| California | 1,208 | 9.9% |
| Pennsylvania | 892 | 7.3% |
| North Carolina | 669 | 5.5% |
| Colorado | 657 | 5.4% |
| Utah | 642 | 5.3% |
| Florida | 632 | 5.2% |
| Georgia | 602 | 4.9% |
| Washington | 580 | 4.8% |
| Arizona | 578 | 4.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 663 |
| Phoenix-Mesa-Chandler | 479 |
| Houston-Pasadena-The Woodlands | 452 |
| Portland-Vancouver-Hillsboro | 442 |
| Denver-Aurora-Centennial | 428 |
| Montgomery County-Bucks County-Chester County | 365 |
| Atlanta-Sandy Springs-Roswell | 364 |
| Sacramento-Roseville-Folsom | 301 |
| Charlotte-Concord-Gastonia | 270 |
| Salt Lake City-Murray | 254 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930043BMDE130FJ617 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3332935 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77810600004 | 1996–2017 |
Established 10 November 1992. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Provident Funding Associates's data.
Provident Funding Associates's data
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Provident Funding Associates and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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