Provident Credit Union
Provident Credit Union received 865 applications in 2025 and made 712 mortgages, in 41 counties across 1 state. The median rate its borrowers got was 6.250% on a median loan of $250,000. Of 721 decisions, 9 were denials — 1.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900P2JMSUZCYLE858 |
|---|---|
| Applications received | 865 |
| Mortgages made | 712 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 144 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.18 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 282 | 5.750% | $925,000 | 1.1% |
| Refinancing | 86 | 5.750% | $730,000 | 3.4% |
| Other purposes | 344 | 6.500% | $155,000 | 0.9% |
Where Provident Credit Union lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Alameda County, CA | 179 | 6.125% | 0.6% |
| Santa Clara County, CA | 134 | 6.000% | 1.5% |
| Contra Costa County, CA | 107 | 6.250% | 0.9% |
| San Mateo County, CA | 96 | 6.500% | 1.0% |
| San Joaquin County, CA | 28 | 5.750% | 0.0% |
| Sacramento County, CA | 21 | 6.500% | 0.0% |
| San Francisco County, CA | 15 | 5.875% | 6.3% |
| El Dorado County, CA | 14 | 6.500% | 0.0% |
| Solano County, CA | 11 | 6.250% | 0.0% |
| Monterey County, CA | 10 | 6.250% | 0.0% |
| Humboldt County, CA | 7 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 7 | Under 10 loans | 0.0% |
| Placer County, CA | 7 | Under 10 loans | 12.5% |
| Santa Cruz County, CA | 6 | Under 10 loans | 0.0% |
| Sonoma County, CA | 6 | Under 10 loans | 0.0% |
| Marin County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 5 | Under 10 loans | 16.7% |
| Yolo County, CA | 5 | Under 10 loans | 0.0% |
| Nevada County, CA | 4 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 4 | Under 10 loans | 0.0% |
| Butte County, CA | 3 | Under 10 loans | 0.0% |
| Fresno County, CA | 3 | Under 10 loans | 0.0% |
| Napa County, CA | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 3 | Under 10 loans | 0.0% |
| San Benito County, CA | 3 | Under 10 loans | 25.0% |
| San Luis Obispo County, CA | 3 | Under 10 loans | 0.0% |
| Ventura County, CA | 3 | Under 10 loans | 0.0% |
| Calaveras County, CA | 2 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 2 | Under 10 loans | 0.0% |
| Stanislaus County, CA | 2 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 0.0% |
| Inyo County, CA | 1 | Under 10 loans | 0.0% |
| Kern County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Shasta County, CA | 1 | Under 10 loans | 0.0% |
| Siskiyou County, CA | 1 | Under 10 loans | 0.0% |
| Tulare County, CA | 1 | Under 10 loans | 0.0% |
| Yuba County, CA | 1 | Under 10 loans | 0.0% |
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When Provident Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.