I recommend to stay away from Provident Funding.  My latest experience with them was terrible.  I have mortgage loan with Provident.  Recently interest rates went down and started looking around for a good refinance deal.  One company I reached out for a quote contacted Provident to obtain my pay off quote.  This was done without my authorization with no loan application in process.  Provident provided the statement and charged me for the document that can be generated on their site for free.  I contacted Provident multiple times asking them to reimburse the charge for the statement they provided without my consent.  Provident Funding refused to do this.  They have also refused to admit their mistake.  I would stay from Provident Funding due to their unsafe security processes, their inability to admit a mistake and their refusal to reimburse for the charges resulting from their mistake.