RI · United States

Audit your Rhode Island mortgage escrow statement.

65% of US mortgage escrow accounts came up short by $2,157 on average in 2026 (CNBC). The same RESPA cushion-ceiling math applies in Rhode Island. Rhode Island also requires servicers to credit interest on your escrow balance — see below.

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Rhode Island interest law

Servicers must credit interest on your escrow.

Lenders must pay interest on escrow accounts at the prevailing rate.

Statutory rate

prevailing market rate

R.I. Gen. Laws § 19-9-26

Rhode Island signals · CFPB data

Top 5 servicers by escrow-related complaints in Rhode Island.

50 total mortgage complaints in the last six months; 16 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

01Selene Holdings LLC
3
02Rhode Island Housing and Mortgage Finance Corporation
3
03Rocket Mortgage
2
04RoundPoint Mortgage Servicing LLC
1
05Freedom Mortgage Company
1

The same audit any homeowner gets — anchored to Rhode Island law where it differs from federal.

Free 90-second self-check first. If the cushion ceiling is violated or any other RESPA rule is broken, run the $39 audit and we generate the Qualified Written Request letter your servicer must answer.

Full RESPA audit + math reconciliation
QWR letter PDF (Plus tier: we mail it Certified)
CFPB + state-AG complaint drafts

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