Mortgage lending in Providence-Warwick, RI-MA
37,492 mortgages were originated in the Providence-Warwick, RI-MA area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 37,492
- Median rate
- 6.750%
- Median lender fees
- $5,185
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $295,000
- Above the going rate (spread over APOR)
- 0.195
- Paid discount points
- 27%
- Received lender credits
- 16.8%
- Purchases / refinances
- 41.4% / 34.5%
- Conventional / FHA / VA
- 84.1% / 11.6% / 4%
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 59.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Providence-Warwick, RI-MA area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens Bank, National Association | 4,620 | $5,533 | 7.400% |
| Navigant Credit Union | 1,919 | $3,303 | 6.500% |
| Rocket Mortgage, LLC | 1,607 | $5,352 | 6.875% |
| COASTAL1 Credit Union | 1,518 | $3,326 | 6.750% |
| United Shore Financial Services, LLC | 1,227 | $9,509 | 6.394% |
| Movement Mortgage, LLC | 1,123 | $5,430 | 6.625% |
| The Washington Trust Company, of Westerly | 1,064 | $4,288 | 6.375% |
| Guild Mortgage Company | 1,002 | $4,970 | 6.500% |
| CMG Mortgage, Inc. | 786 | $6,182 | 6.625% |
| Baycoast Mortgage Company, LLC | 785 | $4,667 | 6.500% |