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Bristol County, Rhode Island
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Bristol County, Rhode Island, saw 1,725 HMDA-reported applications and 1,117 originations ($425m) in 2024.
That is 55.6 originations per 1,000 households, against 51.4 for Rhode Island and 48.0 nationally.
The county's denial rate was 19.0%, below the state rate of 25.7%. The median rate spread on originated loans was 0.1 percentage points and 11.0% of originations were 1.5 points or more above the average prime offer rate.
16 lenders reached 25 applications in the county; the most active by originations were CBNA Year to Date (136), Navigant Credit Union (87) and BankNewport (74).
Originations were up 16% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | CBNA Year to Date | 238 | 136 | $35m | 29.7% | — |
| 2 | Navigant Credit Union | 129 | 87 | $21m | 16.4% | — |
| 3 | BankNewport | 93 | 74 | $16m | 7.5% | — |
| 4 | Coastal1 Credit Union | 91 | 73 | $14m | 15.9% | — |
| 5 | Baycoast Mortgage Company, LLC | 71 | 64 | $32m | 0.0% | — |
| 6 | Movement Mortgage, LLC | 57 | 43 | $19m | 0.0% | — |
| 7 | Rocket Mortgage | 49 | 38 | $12m | 18.8% | — |
| 8 | Bank of America NA | 68 | 36 | $15m | 28.8% | — |
| 9 | United Wholesale Mortgage | 36 | 30 | $12m | 11.8% | — |
| 10 | Centreville Bank | 35 | 28 | $14m | 11.8% | — |
| 11 | Navy Federal Credit Union | 37 | 23 | $8.8m | 22.6% | — |
| 12 | Rhode Island Credit Union | 40 | 22 | $2.0m | 29.0% | — |
| 13 | CMG Mortgage Inc | 37 | 21 | $10m | 7.7% | — |
| 14 | The People's Credit Union | 30 | 19 | $4.3m | — | — |
| 15 | Discover Bank | 37 | 6 | $600k | 75.0% | — |
| 16 | Amerisave Mortgage Company | 25 | 6 | $940k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 16. Denial rate is denials over decided applications in this county.
Compared with Rhode Island and the nation
| Measure | This county | Rhode Island | United States |
|---|---|---|---|
| Denial rate | 19.0% | 25.7% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.0% | 13.1% | 15.6% |
| Average originated loan | $380k | $317k | $329k |
| Originations per 1,000 households | 55.6 | 51.4 | 48.0 |
| Home purchase share of originations | 39.1% | 45.1% | 57.0% |
| FHA-insured share | 4.9% | 12.2% | 13.4% |
| VA-guaranteed share | 3.7% | 3.8% | 7.9% |
Rate spread distribution
Share of 1,028 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Rhode Island). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 39% (437)Home improvement 18% (198)Refinancing 18% (202)Cash-out refinancing 14% (152)Other purpose 11% (128)
By type
Conventional 91% (1,019)FHA 5% (55)VA 4% (41)USDA 0% (2)
Trend by year
ApplicationsOriginations
This countyRhode Island
Questions and answers
Which lenders are most active in Bristol County, RI?
By 2024 originations: CBNA Year to Date (136), Navigant Credit Union (87), BankNewport (74), Coastal1 Credit Union (73), Baycoast Mortgage Company, LLC (64). 16 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Bristol County?
19.0% of decided applications were denied in 2024, against 25.7% across Rhode Island and 24.3% nationally.
How many mortgages were originated in Bristol County in 2024?
1,117 loans totalling $425m, from 1,725 applications; 55.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 44001; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.