RI · Statewide HMDA 2024
Rhode Island mortgage lending
According to the CFPB HMDA 2024 Snapshot, 390 reporting lenders · 5 counties · 1 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Rhode Island ranks #43 of 54 by application volume but #23 of 52 states with 10,000+ applications on origination share (54.1%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #23
- Origination-share rank of 52
- 54.1%
- Origination share
- 22,697
- Originated
- 19.4%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
41,964reported applications
CFPB HMDA state filing plate
State RI · Rhode Island 19.4% denial
VOL-TRACE · DEN-STEEP · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-TRACE #43/54
- DEN-STEEP 19.4%
- PHOTO-FINISH New York
- ORIG-FLOOR 54.1%
- BOOK-FULL 390 lenders
- LEAD-MIX 12% top
Photo-finish peer: New York · 19.4% denial (+0.0pp vs Rhode Island)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Rhode Island
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Rhode Island: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (19.4% here).
Similar application volume
Nearest states by HMDA applications filed (41,964 here).
Top lenders by originations · Rhode Island
Funded loans among HMDA-reporting institutions active in this state.
Where Rhode Island sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
41,964 20th percentile higher than 20% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Rhode Island
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Rhode Island filed 41,964 HMDA-reported applications in 2024 (#43 of 54 by volume) with a 19.4% denial rate - 2.3pp above the national 17.2% baseline. White applicants (27,533 apps) show 19.1% denial; Black or African American applicants (2,702 apps) show 30.7% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Rhode Island
Top HMDA-reporting lenders active in Rhode Island. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CBNA Year to Date | 2,702 | 11.9% |
| 2 | Navigant Credit Union | 1,907 | 8.4% |
| 3 | Coastal1 Credit Union | 1,190 | 5.2% |
| 4 | Movement Mortgage, LLC | 988 | 4.4% |
| 5 | The Washington Trust Company, of Westerly | 927 | 4.1% |
Reported outcomes by applicant race in Rhode Island
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 27,533 | 61.3% | 19.1% |
| Black or African American | 2,702 | 45.9% | 30.7% |
| Asian | 1,098 | 54.4% | 20.2% |
| Joint | 691 | 66.9% | 13.6% |
| American Indian or Alaska Native | 180 | 32.8% | 36.1% |
| Native Hawaiian or Other Pacific Islander | 129 | 38.0% | 38.0% |
| 2 or more minority races | 64 | 43.8% | 34.4%sample too small to read |
Every county in Rhode Island, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Providence County | 23,970 | 12,433 | 21.6% | $269,916 |
| Kent County | 7,955 | 4,478 | 17.8% | $264,693 |
| Washington County | 5,089 | 2,955 | 15.5% | $347,606 |
| Newport County | 2,960 | 1,682 | 16.4% | $415,764 |
| Bristol County | 1,891 | 1,115 | 14.4% | $364,609 |
Metro Areas in Rhode Island
Frequently Asked Questions
How many mortgage applications were filed in Rhode Island?
Where does Rhode Island sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Rhode Island?
What is the average mortgage loan amount in Rhode Island?
How many mortgage lenders operate in Rhode Island?
How do mortgage denial rates vary by demographics in Rhode Island?
Which counties in Rhode Island have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.