# PROVINCE MORTGAGE ASSOCIATES, INC.

> **Canonical URL:** https://saferate.com/lenders/province-mortgage-associates


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


PROVINCE MORTGAGE ASSOCIATES, INC. is a independent mortgage company, headquartered in ATTLEBORO, MA, serving borrowers across 5 states, with 435 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 26% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493008XQDQ2YZPQKX53
- **Headquarters:** ATTLEBORO, MA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CT, FL, MA, NH, RI
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.437%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,028
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 435
- **Dollar Volume:** $162 million
- **Applications Received:** 550
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $372,080
- **Average Borrower Income:** $130,071
- **Average Property Value:** $474,103

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 56/100 | 315 | +0.368% | $2,674 | Sound ☺️ |
| FHA | 68/100 | 107 | +0.699% | $4,516 | Strong 😀 |
| VA | 37/100 | 10 | +0.228% | $1,840 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 275 loans, Score: 56/100 (Sound)
- Refinance: 40 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 92 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 379 | $143M | +0.435% | Sound ☺️ |
| Refinance | 53/100 | 56 | $19M | +0.447% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| RI | 220 | 2.05% | 87/100 |
| CT | 124 | 0.36% | 71/100 |
| MA | 79 | 0.13% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 245 | 88/100 |
| Hartford | CT | 30 | 57/100 |
| New Haven, CT | CT | 28 | 59/100 |
| Waterbury | CT | 28 | 60/100 |
| Boston, MA | MA | 22 | 52/100 |
| Worcester, MA | MA | 16 | 50/100 |
| Non |  | 15 | 25/100 |
| Bridgeport | CT | 12 | 45/100 |
| Norwich | CT | 12 | 47/100 |
| Cambridge | MA | 10 | 41/100 |

## Where This Lender Ranks

PROVINCE MORTGAGE ASSOCIATES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Rhode Island Mortgage Companies
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Providence Mortgage Companies
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Rhode Island for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Providence for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#19** in Rhode Island for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#20** in Rhode Island for FHA Loans
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does PROVINCE MORTGAGE ASSOCIATES, INC. offer?

PROVINCE MORTGAGE ASSOCIATES, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does PROVINCE MORTGAGE ASSOCIATES, INC. offer mortgages?

PROVINCE MORTGAGE ASSOCIATES, INC. offers mortgages in 5 states: CT, FL, MA, NH, RI.

### How competitive are PROVINCE MORTGAGE ASSOCIATES, INC.'s mortgage rates?

PROVINCE MORTGAGE ASSOCIATES, INC. has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.437% above market average.

### What type of lender is PROVINCE MORTGAGE ASSOCIATES, INC.?

PROVINCE MORTGAGE ASSOCIATES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in ATTLEBORO, MA.

### What is PROVINCE MORTGAGE ASSOCIATES, INC.'s loan approval success rate?

PROVINCE MORTGAGE ASSOCIATES, INC. has a pull-through score of 74/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/province-mortgage-associates

### How to Cite

> "PROVINCE MORTGAGE ASSOCIATES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/province-mortgage-associates

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