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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Providence
Updated February 5, 2026
Market Overview
137
Total Lenders
15,285
Total Loans
0.26%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVIGANT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $809 | -0.344% | 593 | |
2 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,201 | +0.067% | 260 | |
3 | Centreville Bank | Exceptional | Exceptional | Strong | Exceptional | $862 | -0.375% | 208 | |
4 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $922 | -0.023% | 213 | |
5 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Exceptional | $1,145 | -0.031% | 585 | |
6 | The Washington Trust Company, of Westerly | Exceptional | Strong | Strong | Exceptional | $1,544 | -0.186% | 408 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,822 | +0.039% | 279 | |
8 | COASTAL1 Credit Union | Exceptional | Strong | Strong | Exceptional | $782 | -0.060% | 204 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $647 | -0.471% | 170 | |
10 | Bristol County Savings Bank | Exceptional | Strong | Strong | Exceptional | $883 | -0.005% | 134 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $240 | -0.406% | 35 | |
12 | Bluestone Bank | Exceptional | Exceptional | Sound | Strong | $1,299 | -0.134% | 34 | |
13 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,237 | -0.213% | 32 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,870 | +0.264% | 883 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $683 | +0.013% | 114 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,160 | -0.136% | 110 | |
17 | The People's Credit Union | Strong | Exceptional | Acceptable | Strong | $579 | +0.006% | 62 | |
18 | Bank Rhode Island | Strong | Exceptional | Acceptable | Strong | $556 | -0.096% | 60 | |
19 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $625 | +0.061% | 53 | |
20 | WESTERLY COMMUNITY | Strong | Exceptional | Acceptable | Strong | $1,091 | -0.233% | 49 | |
21 | NBKC BANK | Strong | Exceptional | Sound | Sound | $636 | -0.183% | 41 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,676 | +0.471% | 359 | |
23 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,505 | +0.306% | 216 | |
24 | Rockland Trust Company | Strong | Strong | Sound | Strong | $1,244 | +0.036% | 73 | |
25 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $2,045 | +0.130% | 64 | |
26 | Eastern Bank | Strong | Strong | Sound | Strong | $1,453 | -0.002% | 49 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,524 | +0.331% | 891 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,806 | +0.279% | 890 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,857 | +0.305% | 714 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,405 | +0.636% | 567 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,090 | +0.505% | 539 | |
32 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,367 | +0.316% | 284 | |
33 | BankNewport | Strong | Sound | Sound | Exceptional | $1,164 | +0.162% | 179 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,704 | +0.379% | 168 | |
35 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,558 | +0.202% | 150 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,364 | +0.115% | 125 | |
37 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,288 | +0.090% | 118 | |
38 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,627 | +0.253% | 82 | |
39 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,316 | +0.058% | 36 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,239 | +0.457% | 314 | |
41 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Exceptional | $3,400 | +0.463% | 245 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,584 | +0.334% | 241 | |
43 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Exceptional | $3,327 | +0.411% | 197 | |
44 | Home Loan Investment Bank, F.S.B. | Strong | Acceptable | Strong | Exceptional | $2,443 | +0.245% | 149 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,700 | +0.008% | 83 | |
46 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,682 | +0.159% | 53 | |
47 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,794 | +0.153% | 51 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,141 | +0.584% | 138 | |
49 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,665 | +0.649% | 124 | |
50 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $3,032 | +0.406% | 108 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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