Havard Federal Credit Union in Rhode Island vs the state
9.1%Denial rate-9.61 pts vs state
10.0%Decision denial rate-13.17 pts vs state
81.8%Origination rate+22.07 pts vs state
6.99%Median rate+0.24 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$189kMedian applicant income
9Loans originated
1Denied
Trend in Rhode Island
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 4 | 55.6% | 7.06% | #178 |
| 2024 | 8 | 5 | 0.0% | 6.99% | #195 |
| 2025 | 11 | 9 | 9.1% | 6.99% | #180 |
What Havard Federal Credit Union lends in Rhode Island
By loan purpose
By loan type
Why it denied Rhode Island applicants
Where in Rhode Island
Counties with the most Havard Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Providence County | 5 | 4 | 0 | 0.0% |
| Bristol County | 3 | 2 | 1 | 33.3% |
| Kent County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
| Newport County | 1 | 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: 11 applications in 2025, of which 9 were originated and 1 denied.
9.1% of all applications, or 10.0% of the applications it actually decided on. The Rhode Island statewide average across all lenders was 18.7%.
The median rate on loans Havard Federal Credit Union originated in Rhode Island in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Havard Federal Credit Union'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