Rhode Island

Today's Rhode Island (RI) Mortgage Rates


Flagstar Bank
NMLS # 417490
3.905% APR
3.875% RATE
0 Points
30 day lock
Fees: $905
Monthly Payment
$1,175.59

NEXT  
3.758% APR
3.750% RATE
0 Points
30 day lock
Fees: $257
Monthly Payment
$1,157.79

NEXT  
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

McGlone Mortgage Group
NMLS # 3232
State Lic # 20001118LL
3.750% APR
3.750% RATE
0 Points
40 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

Triumph Bank Home Loans
State Lic # 20001118LL
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

eRates Mortgage
NMLS # 1071
State Lic # 20001118LL
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

ConsumerDirect Mortgage, a division of First Bank
NMLS # 790396
State Lic # 20001118LL
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


Rhode Island (RI) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 252,503
  • Application denied by financial institution: 87,977
  • Loan purchased by the institution: 78,870
  • Application withdrawn by applicant: 45,145
  • Application approved but not accepted: 22,052
  • File closed for incompleteness: 14,951
  • Preapproval request denied by financial institution: 62
  • Preapproval request approved but not accepted: 4

  • Refinancing: 315,347
  • Home purchase: 150,111
  • Home improvement: 36,106

  • Conventional: 397,665
  • FHA-insured: 90,575
  • VA-guaranteed: 11,255
  • FSA/RHS-guaranteed: 2,069

  • White: 382,188
  • Information not provided by applicant in mail, Internet, or telephone application: 52,145
  • Not applicable: 43,554
  • Black or African American: 12,844
  • Asian: 7,827
  • American Indian or Alaska Native: 1,552
  • Native Hawaiian or Other Pacific Islander: 1,454

  • Not Hispanic or Latino: 379,792
  • Information not provided by applicant in mail, Internet, or telephone application: 50,595
  • Not applicable: 43,623
  • Hispanic or Latino: 27,554

  • Male: 292,004
  • Female: 138,081
  • Not applicable: 43,557
  • Information not provided by applicant in mail, Internet, or telephone application: 27,922

  • Department of Housing and Urban Development: 123,038
  • Office of the Comptroller of the Currency: 106,420
  • Consumer Financial Protection Bureau: 99,465
  • National Credit Union Administration: 53,515
  • Federal Deposit Insurance Corporation: 52,969
  • Office of Thrift Supervision: 44,070
  • Federal Reserve System: 22,087

  • Providence County: 254,948
  • Kent County: 94,179
  • Washington County: 79,956
  • Newport County: 45,721
  • Bristol County: 26,343
  • Unknown: 417

  • Providence, New Bedford, Fall River – RI, MA: 423,673
  • Providence, Warwick – RI, MA: 77,426
  • Unknown: 465

  • Unknown: 436,385
  • Collateral: 17,651
  • Debt-to-income ratio: 14,834
  • Credit history: 13,160
  • Other: 8,366
  • Credit application incomplete: 6,336
  • Unverifiable information: 2,806
  • Insufficient cash (downpayment, closing costs): 1,146
  • Employment history: 723
  • Mortgage insurance denied: 157

  • Not a HOEPA loan: 501,550
  • HOEPA loan: 14

  • Secured by a first lien: 378,412
  • Not applicable: 78,870
  • Secured by a subordinate lien: 36,104
  • Not secured by a lien: 8,178

  • Owner-occupied as a principal dwelling: 450,592
  • Not owner-occupied as a principal dwelling: 48,792
  • Not applicable: 2,180

  • One-to-four family dwelling (other than manufactured housing): 497,796
  • Multifamily dwelling: 2,038
  • Manufactured housing: 1,730

  • Loan was not originated or was not sold in calendar year covered by register: 272,239
  • Fannie Mae (FNMA): 68,054
  • Freddie Mac (FHLMC): 43,978
  • Ginnie Mae (GNMA): 35,853
  • Commercial bank, savings bank or savings association: 22,246
  • Affiliate institution: 21,099
  • Life insurance company, credit union, mortgage bank, or finance company: 20,289
  • Other type of purchaser: 15,132
  • Private securitization: 2,669
  • Farmer Mac (FAMC): 5