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Home Refinance Loan Ratesin Rhode Island
Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in Rhode Island and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.
(Last Updated: 12/19/2025)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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|
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|
5.864% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.649 Points$2,077 Points Fee
|
$3,964 Total Fees$1,887 Lender Fees
|
30 Years Fixed | |
|
5.998% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.897 Points$2,870 Points Fee
|
$4,265 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.046% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.605 Points$1,936 Points Fee
|
$1,936 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.067% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.824 Points$2,637 Points Fee
|
$2,637 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.091% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.669 Points$2,141 Points Fee
|
$3,136 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.163% APR | 6.000% Rate 45 day rate lock | $1,919 Payment per month |
0.750 Points$2,400 Points Fee
|
$5,600 Total Fees$3,200 Lender Fees
|
30 Years Fixed | |
|
6.190% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.688 Points$2,202 Points Fee
|
$2,202 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.233% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.931 Points$2,979 Points Fee
|
$3,679 Total Fees$700 Lender Fees
|
30 Years Fixed | |
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PENNYMAC |
5.930% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.599 Points$1,917 Points Fee
|
$1,917 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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