Largest lenders in Bristol County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank | C | 342 | 217 | 21.6% | 7.40% |
| 2 | Navigant Credit Union | B | 113 | 78 | 12.4% | 6.69% |
| 3 | Baycoast Mortgage Company | A | 94 | 74 | 2.1% | 6.50% |
| 4 | BankNewport | B | 88 | 64 | 13.6% | 6.75% |
| 5 | COASTAL1 Credit Union | B | 76 | 54 | 22.4% | 6.75% |
| 6 | Rocket Mortgage | C | 63 | 51 | 7.9% | 6.75% |
| 7 | Movement Mortgage | A | 57 | 42 | 0.0% | 6.75% |
| 8 | Bank of America | F | 47 | 21 | 21.3% | 5.99% |
| 9 | Centreville Bank | B | 42 | 34 | 7.1% | 6.49% |
| 10 | The People's Credit Union | D | 34 | 19 | 20.6% | 6.75% |
| 11 | United Shore Financial Services | B | 32 | 24 | 3.1% | 6.13% |
| 12 | TD Bank | D | 32 | 13 | 37.5% | 7.34% |
| 13 | Guild Mortgage | A | 30 | 23 | 6.7% | 6.63% |
| 14 | The Washington Trust Company, of Westerly | C | 29 | 14 | 34.5% | 6.69% |
| 15 | Rhode Island Credit Union | F | 28 | 17 | 10.7% | 6.99% |
| 16 | BayCoast Bank | A | 27 | 22 | 11.1% | 7.25% |
| 17 | Navy Federal Credit Union | D | 27 | 12 | 14.8% | 6.75% |
| 18 | JPMorgan Chase Bank | B | 26 | 15 | 23.1% | 6.00% |
| 19 | CMG Mortgage | A | 25 | 16 | 8.0% | 6.75% |
| 20 | Freedom Mortgage | B | 24 | 7 | 0.0% | 6.75% |
| 21 | Pennymac Loan Services | C | 23 | 13 | 13.0% | 6.62% |
| 22 | Guaranteed Rate | B | 21 | 15 | 0.0% | 6.25% |
| 23 | Webster Bank | C | 20 | 10 | 30.0% | 6.74% |
| 24 | Loandepot.Com | D | 20 | 10 | 30.0% | 7.12% |
| 25 | Fall River Five Cents Savings Bank | B | 19 | 13 | 10.5% | 7.00% |
Best approval odds in Bristol County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Baycoast Mortgage Company | 77 | 2.6% |
| 2 | Rocket Mortgage | 59 | 8.5% |
| 3 | Navigant Credit Union | 95 | 14.7% |
| 4 | BankNewport | 77 | 15.6% |
| 5 | COASTAL1 Credit Union | 72 | 23.6% |
| 6 | Citizens Bank | 299 | 24.8% |
What Bristol County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bristol County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,588 | 962 | 19.5% | 6.88% | $225,000 |
| 2024 | 1,725 | 1,117 | 15.8% | 6.99% | $275,000 |
| 2025 | 1,876 | 1,203 | 15.1% | 6.75% | $285,000 |
Frequently asked questions
15.1% of applications in Bristol County were denied in 2025, against 18.7% statewide in Rhode Island.
Citizens Bank, with 342 applications in 2025 and a denial rate of 21.6%.
The median mortgage application in Bristol County in 2025 was for $285,000; the median property value on originated loans was $665,000.