Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Providence County, Rhode Island
Every institution that decided a 1–4 unit mortgage application in Providence County between 2023 and 2025: 45,576 applications, 33,007 loans actually funded, across 8 kinds of borrowing.
Providence County at a glance
45,576Applications decided
2023–2025
33,007Loans funded
72% of decisions
145Census tracts
29 ZIP codes
658,977People
ACS 2023
What the data shows
The typical purchase mortgage here is $365K.
Investment home improvement is the hardest money to get here: lenders approved 39% of 456 applications.
Lending by loan type in Providence County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.9% | 17,899 | $365K | 97% | 301 |
| Home improvement loans | 56.0% | 9,423 | $85K | 96% | 115 |
| Cash-out refinance | 64.5% | 6,676 | $235K | 96% | 207 |
| Refinance | 73.8% | 7,965 | $175K | 95% | 205 |
| Investment property purchase | 85.5% | 1,587 | $355K | 96% | 201 |
| Investment cash-out refinance | 76.6% | 1,001 | $355K | 94% | 144 |
| Investment refinance | 72.6% | 569 | $375K | 93% | 121 |
| Investment home improvement | 39.0% | 456 | $115K | 94% | 66 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.