Purchase Originations
8,661
Ranked #48 nationally
Median Total Costs
$5,245
−21.5% vs national ($6,680)
↓ $185 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,125
Median Lender Credits
$891
Cost Rank (500+ vol.)
#217
among lenders with 500+ originations
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 8,661 | 6.375% | $5,245 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,371 | 6.375% | $6,035 | #50 |
| Pennsylvania | 692 | 6.375% | $5,745 | #29 |
| California | 653 | 6.375% | $5,882 | #62 |
| Florida | 518 | 6.375% | $6,204 | #89 |
| North Carolina | 470 | 6.375% | $4,151 | #59 |
| Georgia | 446 | 6.500% | $5,050 | #53 |
| Utah | 437 | 6.375% | $4,492 | #14 |
| Colorado | 433 | 6.375% | $3,700 | #38 |
| Arizona | 365 | 6.375% | $6,066 | #52 |
| Washington | 359 | 6.375% | $4,986 | #42 |
| Oregon | 355 | 6.500% | $5,499 | #29 |
| New Jersey | 322 | 6.500% | $6,541 | #47 |
| Virginia | 289 | 6.375% | $4,658 | #66 |
| Kentucky | 236 | 6.375% | $3,944 | #47 |
| Maryland | 226 | 6.375% | $4,922 | #56 |
| Ohio | 217 | 6.375% | $4,248 | #88 |
| Illinois | 201 | 6.500% | $6,192 | #97 |
| Wisconsin | 148 | 6.625% | $2,708 | #72 |
| Tennessee | 146 | 6.375% | $4,494 | #99 |
| Indiana | 121 | 6.375% | $2,717 | #121 |
| Minnesota | 113 | 6.500% | $4,040 | #88 |
| Michigan | 95 | 6.500% | $3,668 | #113 |
| South Carolina | 95 | 6.375% | $4,885 | #122 |
| Connecticut | 91 | 6.375% | $5,248 | #53 |
| Missouri | 81 | 6.375% | $3,830 | #109 |
| Kansas | 69 | 6.375% | $3,691 | #84 |
| Oklahoma | 44 | 6.375% | $4,148 | — |
| Nevada | 42 | 6.438% | $5,725 | — |
| Idaho | 26 | 6.312% | $6,011 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,922 | 6.500% | — | 113 | −$1,323 | |
| 2 | $3,959 | 6.375% | — | 123 | −$1,286 | |
| 3 | $4,311 | 6.500% | — | 99 | −$934 | |
| 4 | $4,414 | 6.375% | — | 160 | −$831 | |
| 5 | $4,492 | 6.375% | — | 84 | −$753 | |
| 6 | $4,517 | 6.250% | — | 88 | −$728 | |
| 7 | $4,984 | 6.375% | — | 109 | −$261 | |
| 8 | $5,138 | 6.375% | — | 91 | −$107 | |
| 9 | $5,276 | 6.375% | — | 116 | +$31 | |
| 10 | $5,315 | 6.375% | — | 99 | +$70 | |
| 11 | $5,366 | 6.500% | — | 120 | +$121 | |
| 12 | $5,700 | 6.375% | — | 201 | +$455 | |
| 13 | $5,721 | 6.375% | — | 116 | +$476 | |
| 14 | $5,761 | 6.375% | — | 146 | +$516 | |
| 15 | $5,993 | 6.375% | — | 97 | +$748 | |
| 16 | $6,108 | 6.375% | — | 136 | +$863 | |
| 17 | $6,122 | 6.375% | — | 224 | +$877 | |
| 18 | $6,132 | 6.375% | — | 280 | +$887 | |
| 19 | $6,286 | 6.500% | — | 113 | +$1,041 | |
| 20 | $6,429 | 6.375% | — | 98 | +$1,184 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Provident Funding Associates, L.P. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $5,245 | $7,127 | −$1,882 (−26.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.