Mortgage Rates Smithfield, Rhode Island (RI) for March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current 30-year fixed mortgage rates in Smithfield, Rhode Island as of March 22, 2026 are as follows, according to verified data from MonitorBankRates: The Peoples Credit UnionThe Peoples Credit Union150 Old Tower Hill Rd, Bristol, RI, 02809A+5.0 ★Texas Ratio: 3.41% at 6.00%, and Citizens BankCitizens Bank1 Citizens Dr, Barrington, RI, 02806A5.0 ★Texas Ratio: 8.28% at 6.25%.
Mortgage rates in Smithfield, Rhode Island (RI) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Rhode Island borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 22, 2026
Smithfield, RI Mortgage Rate Trends
Compare local Smithfield, RI mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
For buyers in Smithfield, RI, the broader Rhode Island 30-year fixed average mortgage rate rose 0.149 points this week to 6.316%, according to MonitorBankRates trend data.
For buyers in Smithfield, RI, the broader Rhode Island 15-year fixed average mortgage rate fell 0.018 points this week to 5.926%, according to MonitorBankRates trend data.
Compare Mortgage Rates Today in Smithfield, Rhode Island & the Surrounding Area
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Rates shown include 0.125% autopay and paperless discount.
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Rates shown include 0.125% autopay and paperless discount.
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Caps: 5% initial, 1% every six months, 5% lifetime
Caps: 5% initial, 1% every six months, 5% lifetime
Caps: 5% initial, 1% every six months, 5% lifetime
Caps: 5% initial, 1% every six months, 5% lifetime
Caps: 2% initial, 1% every six months, 5% lifetime
Caps: 2% initial, 1% every six months, 5% lifetime
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over $832,750
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over $832,750
over $832,750
over $832,750
over $832,750
over $832,750
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Smithfield, Rhode Island directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Smithfield, Rhode Island. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in RI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Smithfield, Rhode Island
How does my credit score affect my rate in Rhode Island?
What is a 30-Year Fixed Mortgage?
What are closing costs in Rhode Island?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Smithfield, Rhode Island?
Do I need 20% down to buy a house in Rhode Island?
What is the difference between Interest Rate and APR?
How do I find the best lender in Smithfield, Rhode Island?
What are the best Mortgage rates in Smithfield, Rhode Island?
- The Peoples Credit Union: 6.00% (30 Year Fixed Rate)
- Citizens Bank: 6.25% (30-Year Fixed Rate)
