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Home Loan was started to help our customers achieve their goals, and we're proud of our track record. But don't take our word for it. Here's what some of our customers have to say:

"Working with Mario [Loan Originator] at Home Loan Investment Bank made the often rocky road of refinancing smooth and almost easy. Once we sent our information to Mario he reviewed it quickly, and promptly let us know if anything was missing. We were in Arizona, the property we were refinancing was in Maine, and Mario was in Rhode Island, but working with Mario was like working with a next door neighbor!"

– Dave M.

 "In this day and age, it is rare to find true kindness, consideration and courtesy. Emily [Loan Originator] was all of those things and more. I just wanted you, her manager, to know what a really excellent job she did for us. Thank you.

– D. Gayle & Robert W.

"This is just to thank you for all of your help. We finally closed on the houses! Please know that we are very thankful to you for helping us achieve a 'new' dream in America. My husband came to America 18 years ago with one dollar in his pocket and now he owns three houses... thanks to Home Loan Bank."

– Carolina B.

"Thanks to Kristin [Loan Originator] and your bank loan, this New Year is certainly looking brighter for me and my children. I know that I am one of the many thousands of people your bank deals with on a daily basis, but I never felt like a number or an account."

– Maggie C.

"I am writing to thank your for the opportunity for us to finally bring our previously high mortgage rate down. Due to financial difficulties over the past several years, until now we have been unable to do so. The opportunity your institution has made available for us is making all the difference in us securing our financial future."

– Karen T.

 "Thank you so much for all your help on our recent loan. Your professionalism, knowledge and great customer services made it all happen."

 – Frank and Eileen S.

"I closed on a home refinance with Home Loan Investment Bank in May. Mario [Loan Originator] made the process easy and painless. Mario and Home Loan were great to work with. It was just like your neighborhood bank on the phone and over email, and they were always available to move the process forward. This was truly a once in a lifetime refinance opportunity. I have the same monthly payment for a 15 year fixed mortgage versus my old 30 year fixed mortgage. Thank you. "

– Nils M.

"Thank you for superior professionalism and just plain human compassion throughout my refinancing process."

– Sonja S.

"I have been a Real Estate Broker for over 24 years, dealt with a lot of banks, bankers and brokers and I have never been treated so kindly."

– Evelyn B.

"Lance [Loan Originator] was extremely helpful, answered all of our questions promptly, whether asked by phone or fax, and his attention to detail and follow up were commendable. It may be a level of excellence that you expect from all of your agents, but we found it exceptional and worthy of comment."

– Harold S.

"We have told other people about the great way we were treated and about the smooth refinancing experience your company and Emily [Loan Originator] provided and have referred them all to you for help in refinancing their home."

–Gay and John B.

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We started as a small local business, and we still feel that it's our responsibility to give back to the community that we call home.

That's why Home Loan takes strides to support organizations that are making our neighborhoods better places to live and work.

These are just a few of the organizations that Home Loan supports by donating both funds and time.


Rhode Island Foundation


The Rhode Island Foundation works to build a better Rhode Island as a philanthropic resource for people, communities, organizations and programs. The foundation is devoted to creating a better community by evaluating local issues and making strategic grants, promoting and building effective philanthropy and building the strengths and capacity of the nonprofit sector.

Home Loan's Chairman, John Murphy, was named the Foundation's 2009 Inspiring Partner. John has established two scholarship funds at the Foundation. Through these scholarships, deserving students are provided critical educational opportunities.

Urban League

Urban League

The Urban League of RI is a community based, non-profit organization. Its mission is the elimination of racial discrimination, and segregation in the state, and the achievement of parity for Blacks, other minorities, and the poor in every phase of American life. The Urban League implements its mission through advocacy, program service delivery, bridge building among the races, and research.

Manton Avenue Project

The Manton Avenue Project works with children living in Providence's Olneyville neighborhood. The project teams up kids with adult theater artists and together they create original theater. The vast majority of plays are written by kids and acted and directed by adults.

Daniel A. Murphy, Home Loan's Vice President of Commercial Lending, serves on the Board of Directors for the Manton Avenue Project.


St. Jude Children's Research Hopsital


St. Jude is devoted to researching disease to save more children's lives. In fact, they accept and treat patients even if they have no health insurance, and patients never pay more than their insurance covers.

To help the cause, Home Loan has helped raise over a half-million dollars for St. Jude Children's Research Hospital. In addition, Home Loan made a sizable donation to help the partnership between St. Jude and Our Lady's Hospital for Sick Children in Dublin, Ireland to move pediatric hematology-oncology research forward.


Lou Gehrig's Disease


Lou Gehrig's Disease (ALS or Amyotrophic Lateral Sclerosis) is a neurodegenerative disease that breaks down motor neurons, the cells that reach between the brain, spinal cord and all the muscles of the body. People with the disease lose control of their muscles, and many become totally paralyzed, while their minds remain unaffected. Home Loan contributes to the cause so that someday a cure will be found.



The McAuley Corporation


Home Loan worked with the McAuley Corporation, a low-income, FHFB-approved housing developer, by providing significant financial assistance to build several homes in the Providence area. In addition, Home Loan bank staff prepared a grant for the corporation, on bank-paid time and using bank resources, requesting a $300,000 direct subsidy from the Federal Home Loan Bank of Boston to expand and refurbish the meal site and to rehabilitate 7 subsidized two- and three-bedroom apartments for very low-income residents.


Boys & Girls Club


Many kids need a safe, positive place to go after school lets out. The Boys & Girls Club of America provides programs and services so kids can learn, grow, and have fun. Home Loan supports multiple chapters of the Boys & Girls Club with financial support for activities, events, and programs.  Home Loan's Chairman, John Murphy, was recently inducted into the Fox Point Boys & Girls Club Hall of Fame.


The Horace and Reverend E. Naomi Craig Scholarship Fund


This fund is unique in that it enables gifted, low-income fifth, sixth or seventh grade students to attended independent or parochial school by supplying the needed monies. Home Loan supports this effort to provide quality education, and continues to donate funds for this cause.


The mission of RISE is to provide scholarships and mentoring to children of currently and formerly incarcerated parents in order to break the intergenerational cycle of poverty, crime and addiction that too often threatens them.

Brian Murphy, President of Home Loan Investment Bank, served as the President of RISE until 2011.


Local Schools


Home Loan has provided financial support, clothing, furniture, transportation vehicles and other equipment to local schools, including: San Miguel School, West Bay Academy, Hope Highland School, McVinney School, and Edmund W. Flynn School.


Save The Bay

 Save The Bay 

Save The Bay protects, restores, and improves the ecological health of the Narraganset Bay region, including its watershed and adjacent coastal waters, through an ecosystem-based approach to enviromental action; defends the right of the public to use and enjoy the Bay and its surrounding waters; and fosters an ethic of enviromental stewardship among people who live in or visit the Narragansett Bay region.

Home Loan Investment Bank is a proud partner of Save The Bay through its commercial lending division, Ocean Capital.