Bank Rhode Island
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Bank Rhode Island 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Rhode Island One Turks Head Place Providence, RI 02903 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,467 |
| Total Mortgage Loan Application Amount | $369,885,000 |
| Average Mortgage Loan Application Amount | $385,389 |
| Highest Mortgage Loan Application Amount | $4,600,000 |
| Average Applicant Income | $15,254 |
| Highest Applicant Income | $3,159,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Bank Rhode Island. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Rhode Island's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Bank Rhode Island's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Rhode Island serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Rhode Island, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Rhode Island's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Providence County Rhode Island | 518 | $ 66,618,000 | $ 128,000 | $ 71,000 |
| Kent County Rhode Island | 178 | $ 19,265,000 | $ 108,000 | $ 62,000 |
| Middlesex County Massachusetts | 144 | $ 53,518,000 | $ 371,000 | $ 0 |
| Suffolk County Massachusetts | 77 | $ 30,516,000 | $ 396,000 | $ 53,000 |
| Washington County Rhode Island | 56 | $ 15,676,000 | $ 279,000 | $ 65,000 |
| Essex County Massachusetts | 32 | $ 11,440,000 | $ 357,000 | $ 0 |
| Bristol County Rhode Island | 32 | $ 5,206,000 | $ 162,000 | $ 99,000 |
| Norfolk County Massachusetts | 28 | $ 11,586,000 | $ 413,000 | $ 40,000 |
| Newport County Rhode Island | 27 | $ 6,238,000 | $ 231,000 | $ 145,000 |
| Bristol County Massachusetts | 24 | $ 3,724,000 | $ 155,000 | $ 351,000 |
| Los Angeles County California | 15 | $ 6,525,000 | $ 435,000 | $ 0 |
| Santa Clara County California | 14 | $ 7,221,000 | $ 515,000 | $ 0 |
| Montgomery County Maryland | 14 | $ 6,039,000 | $ 431,000 | $ 0 |
| Barnstable County Massachusetts | 14 | $ 5,535,000 | $ 395,000 | $ 0 |
| San Diego County California | 10 | $ 4,122,000 | $ 412,000 | $ 0 |
| Worcester County Massachusetts | 10 | $ 3,388,000 | $ 338,000 | $ 15,000 |
| Plymouth County Massachusetts | 9 | $ 2,869,000 | $ 318,000 | $ 17,000 |
| Hennepin County Minnesota | 9 | $ 4,094,000 | $ 454,000 | $ 0 |
| King County Washington | 9 | $ 4,142,000 | $ 460,000 | $ 0 |
| Alameda County California | 7 | $ 3,401,000 | $ 485,000 | $ 0 |
| San Francisco County California | 7 | $ 2,982,000 | $ 426,000 | $ 0 |
| District of Columbia County District Of Columbia | 7 | $ 3,382,000 | $ 483,000 | $ 73,000 |
| Cook County Illinois | 7 | $ 2,905,000 | $ 415,000 | $ 0 |
| Maricopa County Arizona | 6 | $ 2,301,000 | $ 383,000 | $ 0 |
| Orange County California | 6 | $ 2,536,000 | $ 422,000 | $ 0 |
| Hillsborough County New Hampshire | 6 | $ 1,479,000 | $ 246,000 | $ 0 |
| Fairfax County Virginia | 6 | $ 2,991,000 | $ 498,000 | $ 0 |
| Fairfield County Connecticut | 5 | $ 2,767,000 | $ 553,000 | $ 0 |
| Suffolk County New York | 5 | $ 2,996,000 | $ 599,000 | $ 205,000 |
| Contra Costa County California | 4 | $ 1,662,000 | $ 415,000 | $ 0 |
| Marin County California | 4 | $ 2,046,000 | $ 511,000 | $ 0 |
| San Mateo County California | 4 | $ 1,777,000 | $ 444,000 | $ 0 |
| Ventura County California | 4 | $ 1,598,000 | $ 399,000 | $ 0 |
| Arapahoe County Colorado | 4 | $ 1,553,000 | $ 388,000 | $ 0 |
| Gwinnett County Georgia | 4 | $ 905,000 | $ 226,000 | $ 0 |
| Collin County Texas | 4 | $ 1,122,000 | $ 280,000 | $ 0 |
| Dallas County Texas | 4 | $ 1,669,000 | $ 417,000 | $ 0 |
| Harris County Texas | 4 | $ 1,288,000 | $ 322,000 | $ 0 |
| Boulder County Colorado | 3 | $ 1,301,000 | $ 433,000 | $ 0 |
| Douglas County Colorado | 3 | $ 1,838,000 | $ 612,000 | $ 0 |
| Jefferson County Colorado | 3 | $ 1,335,000 | $ 445,000 | $ 0 |
| Larimer County Colorado | 3 | $ 1,432,000 | $ 477,000 | $ 0 |
| New Haven County Connecticut | 3 | $ 1,328,000 | $ 442,000 | $ 0 |
| Fulton County Georgia | 3 | $ 1,057,000 | $ 352,000 | $ 0 |
| Washington County Minnesota | 3 | $ 1,697,000 | $ 565,000 | $ 0 |
| Essex County New Jersey | 3 | $ 1,474,000 | $ 491,000 | $ 0 |
| Nassau County New York | 3 | $ 1,705,000 | $ 568,000 | $ 0 |
| Travis County Texas | 3 | $ 1,037,000 | $ 345,000 | $ 0 |
| Prince William County Virginia | 3 | $ 1,183,000 | $ 394,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 1,040,000 | $ 520,000 | $ 0 |
| Pulaski County Arkansas | 2 | $ 1,088,000 | $ 544,000 | $ 0 |
| Sonoma County California | 2 | $ 1,186,000 | $ 593,000 | $ 0 |
| Denver County Colorado | 2 | $ 708,000 | $ 354,000 | $ 0 |
| Broward County Florida | 2 | $ 934,000 | $ 467,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 1,502,000 | $ 751,000 | $ 500,000 |
| Chatham County Georgia | 2 | $ 168,000 | $ 84,000 | $ 0 |
| Lake County Illinois | 2 | $ 1,064,000 | $ 532,000 | $ 0 |
| York County Maine | 2 | $ 703,000 | $ 351,000 | $ 0 |
| Howard County Maryland | 2 | $ 799,000 | $ 399,000 | $ 0 |
| Bergen County New Jersey | 2 | $ 979,000 | $ 489,000 | $ 0 |
| Mercer County New Jersey | 2 | $ 634,000 | $ 317,000 | $ 0 |
| Westchester County New York | 2 | $ 909,000 | $ 454,000 | $ 0 |
| Delaware County Pennsylvania | 2 | $ 1,311,000 | $ 655,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 891,000 | $ 445,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 848,000 | $ 424,000 | $ 0 |
| Tarrant County Texas | 2 | $ 1,042,000 | $ 521,000 | $ 0 |
| Loudoun County Virginia | 2 | $ 906,000 | $ 453,000 | $ 0 |
| Pima County Arizona | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Butte County California | 1 | $ 158,000 | $ 158,000 | $ 0 |
| El Dorado County California | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Monterey County California | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Nevada County California | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Riverside County California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Sacramento County California | 1 | $ 439,000 | $ 439,000 | $ 0 |
| San Bernardino County California | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Santa Barbara County California | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Santa Cruz County California | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Stanislaus County California | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Adams County Colorado | 1 | $ 309,000 | $ 309,000 | $ 0 |
| Eagle County Colorado | 1 | $ 650,000 | $ 650,000 | $ 0 |
| El Paso County Colorado | 1 | $ 494,000 | $ 494,000 | $ 0 |
| Elbert County Colorado | 1 | $ 491,000 | $ 491,000 | $ 0 |
| San Miguel County Colorado | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Weld County Colorado | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Litchfield County Connecticut | 1 | $ 590,000 | $ 590,000 | $ 0 |
| Collier County Florida | 1 | $ 276,000 | $ 276,000 | $ 118,000 |
| Duval County Florida | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 502,000 | $ 502,000 | $ 0 |
| Orange County Florida | 1 | $ 386,000 | $ 386,000 | $ 0 |
| St. Johns County Florida | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Clarke County Georgia | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Cobb County Georgia | 1 | $ 176,000 | $ 176,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Fayette County Georgia | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Hall County Georgia | 1 | $ 275,000 | $ 275,000 | $ 0 |
| DuPage County Illinois | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Kane County Illinois | 1 | $ 351,000 | $ 351,000 | $ 0 |
| Boone County Indiana | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Cumberland County Maine | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Frederick County Maryland | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Talbot County Maryland | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 326,000 | $ 326,000 | $ 0 |
| Hampshire County Massachusetts | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Nantucket County Massachusetts | 1 | $ 471,000 | $ 471,000 | $ 0 |
| Ingham County Michigan | 1 | $ 336,000 | $ 336,000 | $ 0 |
| Wayne County Michigan | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Dakota County Minnesota | 1 | $ 434,000 | $ 434,000 | $ 0 |
| St. Charles County Missouri | 1 | $ 529,000 | $ 529,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 364,000 | $ 364,000 | $ 0 |
| York County Nebraska | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Washoe County Nevada | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Merrimack County New Hampshire | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Strafford County New Hampshire | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Hunterdon County New Jersey | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 324,000 | $ 324,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 632,000 | $ 632,000 | $ 0 |
| Morris County New Jersey | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Kings County New York | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Queens County New York | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Richmond County New York | 1 | $ 434,000 | $ 434,000 | $ 0 |
| Dare County North Carolina | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Franklin County Ohio | 1 | $ 481,000 | $ 481,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Lorain County Ohio | 1 | $ 349,000 | $ 349,000 | $ 0 |
| Lucas County Ohio | 1 | $ 433,000 | $ 433,000 | $ 102,000 |
| Benton County Oregon | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Lane County Oregon | 1 | $ 497,000 | $ 497,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 264,000 | $ 264,000 | $ 0 |
| Denton County Texas | 1 | $ 112,000 | $ 112,000 | $ 0 |
| El Paso County Texas | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Summit County Utah | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 478,000 | $ 478,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Fluvanna County Virginia | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Kitsap County Washington | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Pierce County Washington | 1 | $ 592,000 | $ 592,000 | $ 0 |
| San Juan County Washington | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Snohomish County Washington | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Putnam County West Virginia | 1 | $ 307,000 | $ 307,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank Rhode Island in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,173 | $254,310,000 | $401,483 | $1,300,000 | $10,516 | $714,000 |
| Home Purchase (one-to-four family) | 264 | $95,125,000 | $355,962 | $950,000 | $21,259 | $3,159,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 30 | $20,450,000 | $681,000 | $4,600,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 657 | $269,250,000 | $395,117 | $4,600,000 | $4,235 | $3,159,000 |
| White | 600 | $79,026,000 | $402,142 | $1,300,000 | $253,142 | $1,000,000 |
| Information not provided by applicant in mail or telephone application | 180 | $17,232,000 | $81,500 | $945,000 | $75,000 | $660,000 |
| Hispanic | 11 | $1,566,000 | $142,000 | $578,000 | $81,000 | $246,000 |
| Asian or Pacific Islander | 7 | $1,123,000 | $160,000 | $425,000 | $78,000 | $180,000 |
| Other | 7 | $772,000 | $110,000 | $365,000 | $33,000 | $80,000 |
| Black | 3 | $759,000 | $253,000 | $576,000 | $74,000 | $146,000 |
| American Indian or Alaskan Native | 2 | $157,000 | $78,000 | $82,000 | $65,000 | $72,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,467 | $369,885,000 | $382,529 | $4,600,000 | $15,147 | $3,159,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 627 | $250,619,000 | $388,242 | $950,000 | $0 | $0 |
| Loan Originated | 605 | $93,633,000 | $405,166 | $4,600,000 | $348,000 | $3,159,000 |
| Application Denied By Financial Institution | 115 | $10,683,000 | $71,500 | $400,000 | $98,500 | $691,000 |
| Application Withdrawn By Applicant | 96 | $12,310,000 | $210,666 | $675,000 | $82,333 | $380,000 |
| Application Approved But Not Accepted | 19 | $1,603,000 | $84,000 | $294,000 | $88,000 | $660,000 |
| File Closed For Incompleteness | 5 | $1,037,000 | $207,000 | $359,000 | $92,000 | $252,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 55 | $4,579,000 | $83,000 | $167,000 | $70,000 | $150,000 |
| Debt-To-Income Ratio | 35 | $3,817,000 | $109,000 | $400,000 | $111,000 | $691,000 |
| Collateral | 7 | $652,000 | $93,000 | $175,000 | $78,000 | $87,000 |
| Other | 6 | $470,000 | $78,000 | $130,000 | $88,000 | $180,000 |
| Unverifiable Information | 3 | $505,000 | $168,000 | $250,000 | $167,000 | $295,000 |
| Credit Application Incomplete | 2 | $95,000 | $47,000 | $85,000 | $41,000 | $82,000 |
| Employment History | 1 | $19,000 | $19,000 | $19,000 | $16,000 | $16,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Rhode Island's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank Rhode Island's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Rhode Island, download the full spreadsheet
with aggregated HMDA statistics today.