Guaranteed Rate Affinity in Rhode Island vs the state
8.2%Denial rate-10.46 pts vs state
11.0%Decision denial rate-12.22 pts vs state
66.5%Origination rate+6.73 pts vs state
6.50%Median rate-0.25 pts vs state
0.27Rate spread (pts)+0.08 pts vs state
$114kMedian applicant income
121Loans originated
15Denied
Trend in Rhode Island
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 97 | 5.1% | 6.75% | #45 |
| 2024 | 102 | 63 | 6.9% | 6.88% | #62 |
| 2025 | 182 | 121 | 8.2% | 6.50% | #54 |
What Guaranteed Rate Affinity lends in Rhode Island
By loan purpose
By loan type
Why it denied Rhode Island applicants
Where in Rhode Island
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Providence County | 129 | 86 | 12 | 9.3% |
| Kent County | 33 | 20 | 3 | 9.1% |
| Washington County | 18 | 14 | 0 | 0.0% |
| Newport County | 2 | 1 | 0 | 0.0% |
Other large lenders in Rhode Island
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 6,329 | 27.8% | 7.40% |
| Navigant Credit Union | B | 2,847 | 16.1% | 6.50% |
| COASTAL1 Credit Union | B | 1,931 | 24.3% | 6.75% |
| The Washington Trust Company, of Westerly | C | 1,755 | 21.9% | 6.38% |
| Rocket Mortgage | C | 1,430 | 19.7% | 6.75% |
| Movement Mortgage | A | 1,308 | 3.6% | 6.63% |
| Bank of America | F | 1,298 | 39.1% | 6.24% |
| Primary Residential Mortgage | C | 1,056 | 8.4% | 6.63% |
| BankNewport | B | 1,014 | 19.7% | 6.63% |
| CMG Mortgage | A | 992 | 7.6% | 6.63% |
Frequently asked questions
Rhode Island: 182 applications in 2025, of which 121 were originated and 15 denied.
8.2% of all applications, or 11.0% of the applications it actually decided on. The Rhode Island statewide average across all lenders was 18.7%.
The median rate on loans Guaranteed Rate Affinity originated in Rhode Island in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity's own HMDA filing for properties located in Rhode Island, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology