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refinance lenders · HMDA 2023–2025

Refinance lenders in Kent County, Rhode Island

Fat Boy Data analyzed mortgage refinance activity in Kent County, Rhode Island, home to Warwick, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,744 applications were decided by 138 lenders between 2023 and 2025.

Kent County at a glance

138Active lenders21 with 20+ decisions
76.4%Market approval rate2,097 of 2,744 decided
$175KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,998 loans funded

How Kent County compares

Approval rate compared
Kent County76.4%Rhode Island75.3%All 616 counties76.5%
Typical loan compared
Kent County$175KRhode Island$175KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Kent County, RI, 755 of them.

That is 38% of every mortgage refinance originated here, so this market is unusually concentrated in one lender.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 100% of 44.

Approval rate of all 21 lenders with 20+ decisions here
0%25%50%75%100%One lender: 24% approved of 68One lender: 51% approved of 65One lender: 54% approved of 56One lender: 58% approved of 31One lender: 68% approved of 38One lender: 71% approved of 24The Washington Trust Company, of Westerly: 71% approved of 107One lender: 74% approved of 34One lender: 74% approved of 66One lender: 75% approved of 36Citizens Bank, National Association: 77% approved of 1,022One lender: 78% approved of 58Navigant Credit Union: 82% approved of 163COASTAL1 Credit Union: 82% approved of 215One lender: 85% approved of 26United Wholesale Mortgage, LLC: 86% approved of 70One lender: 96% approved of 23One lender: 96% approved of 26One lender: 97% approved of 35One lender: 100% approved of 44One lender: 100% approved of 29

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Kent County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association77%784 / 1,02296%$175K755
2COASTAL1 Credit Union82%177 / 215100%$125K177
3Navigant Credit Union82%134 / 16396%$125K128
4The Washington Trust Company, of Westerly71%76 / 10797%$155K74
5United Wholesale Mortgage, LLCBroker only86%60 / 7093%$385K56

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 133 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Kent County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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