Lender in Rhode Island · HMDA 2025
Baycoast Mortgage Company, LLC mortgages in Rhode Island
Baycoast Mortgage Company, LLC's 2025 home-purchase and refinance lending in Rhode Island, compared with all lenders in the state.
Baycoast Mortgage Company, LLC originated 335 owner-occupied single-family loans in Rhode Island from 348 completed applications, making it the state's #10 lender by volume.
Its median conventional purchase loan costs were $5,190 versus $5,000 for all Rhode Island lenders, at a median 30-year fixed rate of 6.625% (Rhode Island: 6.625%).
Loans in RI
335
of 348 applications
Denial rate
1.3%
Purchase · RI 6.6%
Rate spread
+0.01 pts
Conv. · RI +0.16 pts
Loan amount
$495,000
Purchase · RI $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 236 | 233 | 1.3% | 6.625% | +0.01 pts | $5,190 | $495,000 |
| Refinance | 91 | 85 | 5.5% | 6.250% | −0.15 pts | $3,510 | $485,000 |
| Cash-out refinance | 21 | 17 | 19.1% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Rhode Island counties where Baycoast Mortgage Company, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bristol County | 1 | 59 | 11.6% |
| Newport County | 2 | 58 | 7.8% |
| Washington County | 11 | 28 | 2.2% |
| Providence County | 13 | 156 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology