OCEAN STATE CREDIT UNION
OCEAN STATE CREDIT UNION received 126 applications in 2025 and made 87 mortgages, in 21 counties across 5 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 116 decisions, 29 were denials — 25.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300OITV2T766YLP15 |
|---|---|
| Applications received | 126 |
| Mortgages made | 87 |
| Denied | 29 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.91 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 | 54 | 6.938% | $155,000 | 22.9% |
| Refinancing | 15 | 7.250% | $85,000 | 21.1% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 16 | 7.250% | $50,000 | 30.4% |
Where OCEAN STATE CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, RI | 35 | 6.875% | 16.7% |
| Rockingham County, NH | 13 | 7.000% | 0.0% |
| Strafford County, NH | 7 | Under 10 loans | 30.0% |
| Providence County, RI | 7 | Under 10 loans | 12.5% |
| Washington County, RI | 6 | Under 10 loans | 33.3% |
| Essex County, MA | 3 | Under 10 loans | 0.0% |
| Plymouth County, MA | 3 | Under 10 loans | 40.0% |
| Capitol Planning Region, CT | 2 | Under 10 loans | 33.3% |
| Cumberland County, ME | 2 | Under 10 loans | 33.3% |
| York County, ME | 2 | Under 10 loans | 60.0% |
| Barnstable County, MA | 2 | Under 10 loans | 33.3% |
| South Central Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Androscoggin County, ME | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 0 | Under 10 loans | 100.0% |
| Norfolk County, MA | 0 | Under 10 loans | 100.0% |
| Coos County, NH | 0 | Under 10 loans | 100.0% |
| Hillsborough County, NH | 0 | Under 10 loans | 100.0% |
| Merrimack County, NH | 0 | Under 10 loans | 100.0% |
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When OCEAN STATE 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.