Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kent County, Rhode Island
Every institution that decided a 1–4 unit mortgage application in Kent County, home to Warwick, between 2023 and 2025: 15,528 applications, 12,033 loans actually funded, across 8 kinds of borrowing.
Kent County at a glance
15,528Applications decided
2023–2025
12,033Loans funded
77% of decisions
39Census tracts
8 ZIP codes
170,658People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 47% of 101 applications.
Lending by loan type in Kent County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.6% | 6,153 | $345K | 97% | 231 |
| Home improvement loans | 68.5% | 3,131 | $95K | 96% | 83 |
| Cash-out refinance | 71.3% | 2,673 | $195K | 96% | 147 |
| Refinance | 76.4% | 2,744 | $175K | 95% | 138 |
| Investment property purchase | 88.3% | 437 | $285K | 97% | 105 |
| Investment cash-out refinance | 79.2% | 183 | $265K | 97% | 71 |
| Investment refinance | 75.5% | 106 | $305K | 95% | 50 |
| Investment home improvement | 46.5% | 101 | $105K | 96% | 29 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.