Rhode Island mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Providence County | 4,819 | 6.5% | $6,135 | 6.49% |
| Kent County | 1,810 | 6.5% | $5,659 | 6.49% |
| Washington County | 866 | 6.5% | $5,227 | 6.437% |
| Newport County | 473 | 6.5% | $5,449 | 6.375% |
| Bristol County | 340 | 6.5% | $5,121 | 6.445% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.