Mortgage lending in Kent County
5,142 mortgages were originated in Kent County, Rhode Island, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,142
- Median rate
- 6.750%
- Median lender fees
- $5,211
- Median loan amount
- $255,000
- Median spread over APOR
- 0.248
- Paid discount points
- 30.3%
- Received lender credits
- 15.8%
- Purchases / refinances
- 41.3% / 34.9%
- Conventional / FHA / VA
- 82.1% / 11.8% / 5.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 60.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $787,750
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Kent County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 836 | $5,399 | 7.650% |
| NAVIGANT CREDIT UNION | 235 | $3,225 | 6.500% |
| COASTAL1 Credit Union | 223 | $3,130 | 6.750% |
| Rocket Mortgage, LLC | 200 | $5,643 | 6.875% |
| MOVEMENT MORTGAGE, LLC | 196 | $5,257 | 6.562% |
| The Washington Trust Company, of Westerly | 171 | $4,453 | 6.500% |
| GREENWOOD CREDIT UNION | 170 | — | 6.745% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 154 | $9,814 | 6.500% |
| Centreville Bank | 135 | $3,418 | 6.490% |
| CMG MORTGAGE, INC. | 130 | $6,510 | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Kent County — not a rule of thumb.
From 3,110 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers