Rhode Island Credit Union
Rhode Island Credit Union received 590 applications in 2025 and made 306 mortgages, in 14 counties across 4 states. The median rate its borrowers got was 6.990% on a median loan of $80,000. Of 494 decisions, 181 were denials — 36.6%.
| Legal Entity Identifier | 5493001B4TX233UP4J06 |
|---|---|
| Applications received | 590 |
| Mortgages made | 306 |
| Denied | 181 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 96 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 18 | Not published | $390,000 | 0.0% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 43.8% |
| Cash-out refinancing | 127 | 7.000% | $75,000 | 39.3% |
| Other purposes | 154 | 4.990% | $75,000 | 36.6% |
Where Rhode Island Credit Union lends most
The 14 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 | 181 | 6.990% | 42.1% |
| Kent County, RI | 47 | 7.120% | 25.0% |
| Washington County, RI | 34 | 4.990% | 23.4% |
| Bristol County, RI | 17 | 6.990% | 13.6% |
| Bristol County, MA | 8 | Under 10 loans | 33.3% |
| Worcester County, MA | 7 | Under 10 loans | 12.5% |
| Newport County, RI | 6 | Under 10 loans | 57.1% |
| Middlesex County, MA | 2 | Under 10 loans | 50.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 50.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 50.0% |
| Charlotte County, FL | 0 | Under 10 loans | 100.0% |
| Suffolk County, MA | 0 | Under 10 loans | Not published |
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When Rhode Island 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.