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refinance lenders · HMDA 2023–2025

Refinance lenders in Rhode Island

Fat Boy Data analyzed mortgage refinance activity in Rhode Island to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 12,709 applications were decided by 238 lenders between 2023 and 2025.

Rhode Island at a glance

238Active lenders61 with 20+ decisions
75.3%Market approval rate9,569 of 12,709 decided
$175KTypical loanmedian lender, $10K brackets
95%Borrower take-up9,136 loans funded

How Rhode Island compares

Approval rate compared
Rhode Island75.3%All 616 counties76.5%
Typical loan compared
Rhode Island$175KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Rhode Island, 3,033 of them.

That is 33% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Semper Home Loans, Inc approved the highest share of applications among lenders with at least 20 decisions here, 100% of 53.

The typical mortgage refinance here is $175K, 41% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 23% approved of 273Spring Eq, LLC: 30% approved of 27Pentagon Federal Credit Union: 41% approved of 22Carrington Mortgage Services, LLC: 42% approved of 26Bank of America, National Association: 49% approved of 380Rhode Island Credit Union: 51% approved of 39HarborOne Bank: 56% approved of 148TD Bank, National Association: 59% approved of 88Navy Federal Credit Union: 62% approved of 24Greenwood Credit Union: 63% approved of 67Lakeview Loan Servicing, LLC: 63% approved of 131Mortgage Research Center, LLC: 64% approved of 72PNC Bank, National Association: 64% approved of 25Homebridge Financial Services, Inc.: 71% approved of 34Newrez LLC: 71% approved of 116Primary Residential Mortgage, Inc.: 71% approved of 73BankNewport: 72% approved of 43Eastern Bank: 73% approved of 22The Washington Trust Company, of Westerly: 73% approved of 560Citizens Bank, National Association: 73% approved of 4,274Westerly Community: 74% approved of 97Bank Rhode Island: 76% approved of 246Webster Bank, National Association: 77% approved of 124U.S. Bank National Association: 77% approved of 35Onity Mortgage Corporation: 79% approved of 28COASTAL1 Credit Union: 80% approved of 1,241United Wholesale Mortgage, LLC: 80% approved of 245Northpointe Bank: 80% approved of 40Embrace Home Loans, Inc.: 80% approved of 25Loandepot.Com, LLC: 80% approved of 81Navigant Credit Union: 80% approved of 1,368Beacon Bank And Trust: 83% approved of 46Rocket Mortgage, LLC: 83% approved of 293Nationstar Mortgage LLC: 83% approved of 47Longbridge Financial, LLC: 83% approved of 36New American Funding, LLC: 85% approved of 41JPMorgan Chase Bank, National Association: 86% approved of 29Berkshire Bank: 87% approved of 31Pennymac Loan Services, LLC: 87% approved of 141Centreville Bank: 88% approved of 60Mutual of Omaha Mortgage, Inc.: 90% approved of 49Village Capital & Investment LLC: 90% approved of 61Crosscountry Mortgage, LLC: 90% approved of 42The People's Credit Union: 90% approved of 21Province Mortgage Associates, Inc.: 91% approved of 23Cmg Mortgage, Inc.: 92% approved of 116Guild Mortgage Company LLC: 93% approved of 118Freedom Mortgage Corporation: 94% approved of 225Shoreham Bank: 94% approved of 33Finance of America Reverse LLC: 94% approved of 72Guaranteed Rate, Inc.: 95% approved of 37Baycoast Mortgage Company, LLC: 95% approved of 99Blackstone River Credit Union: 95% approved of 61Total Mortgage Services, LLC: 96% approved of 26Ocean State Credit Union: 97% approved of 32Mortgage Equity Partners LLC: 97% approved of 37Movement Mortgage, LLC: 98% approved of 128Semper Home Loans, Inc: 100% approved of 53Nfm, Inc.: 100% approved of 37Fall River Five Cents Savings Bank: 100% approved of 28

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Rhode Island

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association73%3,132 / 4,27497%$175K3,033
2Navigant Credit Union80%1,099 / 1,36897%$125K1,061
3COASTAL1 Credit Union80%992 / 1,24199%$125K979
4The Washington Trust Company, of Westerly73%409 / 56096%$155K394
5Bank of America, National Association49%186 / 38097%$115K180

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 233 more lenders.

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Other lending data for Rhode Island

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Counties in Rhode Island

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