SCIENT Federal Credit Union in Rhode Island vs the state
0.0%Denial rate-18.70 pts vs state
0.0%Decision denial rate-23.17 pts vs state
100.0%Origination rate+40.25 pts vs state
6.50%Median rate-0.25 pts vs state
0.27Rate spread (pts)+0.08 pts vs state
$128kMedian applicant income
6Loans originated
0Denied
Trend in Rhode Island
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 6.25% | #173 |
| 2024 | 11 | 9 | 0.0% | 6.25% | #176 |
| 2025 | 6 | 6 | 0.0% | 6.50% | #227 |
What SCIENT Federal Credit Union lends in Rhode Island
By loan purpose
By loan type
Where in Rhode Island
Counties with the most SCIENT Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 5 | 5 | 0 | 0.0% |
| Providence 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: 6 applications in 2025, of which 6 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Rhode Island statewide average across all lenders was 18.7%.
The median rate on loans SCIENT Federal Credit Union originated in Rhode Island in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are SCIENT 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