Bank Rhode Island
Bank Rhode Island received 312 applications in 2025 and made 186 mortgages, in 17 counties across 6 states. The median rate its borrowers got was 7.250% on a median loan of $235,000. Of 265 decisions, 78 were denials — 29.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 562V2SM4I80MJO5HYB83 |
|---|---|
| Applications received | 312 |
| Mortgages made | 186 |
| Denied | 78 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 47 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0125 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 | 39 | 6.620% | $455,000 | 17.0% |
| Refinancing | 69 | 7.250% | $245,000 | 28.1% |
| Other purposes | 78 | 7.250% | $130,000 | 35.3% |
Where Bank Rhode Island lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Providence County, RI | 92 | 7.250% | 31.3% |
| Kent County, RI | 32 | 7.250% | 31.3% |
| Washington County, RI | 29 | 7.000% | 21.6% |
| Bristol County, MA | 10 | 7.250% | 23.1% |
| Newport County, RI | 8 | Under 10 loans | 46.7% |
| Bristol County, RI | 4 | Under 10 loans | 20.0% |
| Suffolk County, MA | 2 | Under 10 loans | 0.0% |
| Worcester County, MA | 2 | Under 10 loans | 33.3% |
| Northeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Essex County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Windham County, VT | 1 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Horry County, SC | 0 | Under 10 loans | Not published |
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When Bank Rhode Island’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.