Since 1992 Provident Funding has been a leader among mortgage lenders. It is one of the largest non-bank owned direct lenders in the United States. Its rates are extremely competitive. Provident's approval process has an extremely quick turnaround so you will not find yourself stuck in limbo wondering what you next move should be. Its team of consultants will walk you through every step of what can be a confusing (not to mention intimidating) process, they will make it easy to understand and accessible.