Applications / Mortgage Analytics / Lenders / Rhode Island / Beeline Loans
Providence, RI · Non-bank or government lender · CFPB · 618 loans in 2025
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618
loans originated, 2025
4,760
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Beeline Loans nearly doubled its lending in 2025, to 618 loans, and more than half went to low- and moderate-income borrowers.
Beeline Loans is a non-bank lender. Refinances made up 60.7% of its 2025 loans, purchases 30.1% and home improvement 9.2%. Every loan was conventional, with no government backing, and it barely touches manufactured homes. It lends in 36 states and 162 metros, with no stronghold: it ranked 432 of 757 in Los Angeles, its largest market.
Its loans rose 93% in 2025, from 320 to 618, against 11% for similar lenders (non-bank lenders making between half and twice as many loans) and 10% for the whole market. That was faster than more than four in five of them. It is still about half the 1,192 loans it made in 2021. Its newest markets, entered in 2025, include San Jose.
Low- and moderate-income (LMI) borrowers took 55.5% of its loans, against 28.1% at similar lenders, higher than nearly all of them. Five years earlier the figure was 10.3%. Its typical loan of $225,000 is smaller than peers' $365,000, which fits a book weighted toward modest incomes.
Its typical rate was 6.99%, close to the 6.88% at similar lenders. Little of its lending is jumbo: 0.5% of loans, against 3.9% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Beeline Loans took 4,760 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.7% · Purchase 30.1% · Home improvement 9.2%
Conventional 100.0% · of 618 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 79 | 12.8% |
| Florida | 69 | 11.2% |
| North Carolina | 60 | 9.7% |
| California | 45 | 7.3% |
| Georgia | 38 | 6.1% |
| Ohio | 36 | 5.8% |
| Pennsylvania | 35 | 5.7% |
| Virginia | 34 | 5.5% |
| Tennessee | 29 | 4.7% |
| Indiana | 24 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 22 |
| Cleveland | 16 |
| Charlotte-Concord-Gastonia | 15 |
| Dallas-Plano-Irving | 15 |
| Montgomery County-Bucks County-Chester County | 14 |
| Indianapolis-Carmel-Greenwood | 13 |
| Baltimore-Columbia-Towson | 12 |
| Chicago-Naperville-Schaumburg | 12 |
| Houston-Pasadena-The Woodlands | 12 |
| Raleigh-Cary | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500F03B9034CQB904 | 2020–2025 |
Established 20 September 2018. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Beeline Loans's data.
Beeline Loans's data
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Beeline Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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