Lender in Rhode Island · HMDA 2025
Guild Mortgage Company mortgages in Rhode Island
Guild Mortgage Company's 2025 home-purchase and refinance lending in Rhode Island, compared with all lenders in the state.
Guild Mortgage Company originated 408 owner-occupied single-family loans in Rhode Island from 446 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $4,700 versus $5,000 for all Rhode Island lenders, at a median 30-year fixed rate of 6.75% (Rhode Island: 6.625%).
Loans in RI
408
of 446 applications
Denial rate
2.4%
Purchase · RI 6.6%
Rate spread
+0.25 pts
Conv. · RI +0.16 pts
Loan amount
$395,000
Purchase · RI $415,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 332 | 308 | 2.4% | 6.750% | +0.25 pts | $4,700 | $395,000 |
| Refinance | 76 | 67 | 4.0% | 6.125% | −0.07 pts | $3,550 | $365,000 |
| Cash-out refinance | 38 | 33 | 13.2% | — | — | — | $345,000 |
*Conventional loans only; medians with at least 20 loans.
Rhode Island counties where Guild Mortgage Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bristol County | 5 | 20 | 3.9% |
| Kent County | 6 | 92 | 3.6% |
| Washington County | 6 | 33 | 2.6% |
| Providence County | 8 | 253 | 3.7% |
| Newport County | 17 | 10 | 1.4% |
- Guild Mortgage Company nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology