Total Mortgage Services in Rhode Island vs the state
2.5%Denial rate-16.25 pts vs state
3.2%Decision denial rate-19.96 pts vs state
72.6%Origination rate+12.80 pts vs state
6.75%Median rate0.00 pts vs state
0.52Rate spread (pts)+0.34 pts vs state
$109kMedian applicant income
148Loans originated
5Denied
Trend in Rhode Island
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 158 | 9.3% | 6.75% | #35 |
| 2024 | 356 | 221 | 6.5% | 6.63% | #28 |
| 2025 | 204 | 148 | 2.5% | 6.75% | #51 |
What Total Mortgage Services lends in Rhode Island
By loan purpose
By loan type
Why it denied Rhode Island applicants
Where in Rhode Island
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Providence County | 111 | 79 | 3 | 2.7% |
| Kent County | 55 | 41 | 0 | 0.0% |
| Newport County | 20 | 13 | 1 | 5.0% |
| Washington County | 16 | 13 | 1 | 6.3% |
| Bristol County | 2 | 2 | 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: 204 applications in 2025, of which 148 were originated and 5 denied.
2.5% of all applications, or 3.2% of the applications it actually decided on. The Rhode Island statewide average across all lenders was 18.7%.
The median rate on loans Total Mortgage Services originated in Rhode Island in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Total Mortgage Services'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