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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 Bank Mortgage Lenders in Providence
Updated February 5, 2026
Market Overview
26
Total Lenders
3,280
Total Loans
0.07%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,201 | +0.067% | 260 | |
2 | Centreville Bank | Exceptional | Exceptional | Strong | Exceptional | $862 | -0.375% | 208 | |
3 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $922 | -0.023% | 213 | |
4 | The Washington Trust Company, of Westerly | Exceptional | Strong | Strong | Exceptional | $1,544 | -0.186% | 408 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,822 | +0.039% | 279 | |
6 | Bristol County Savings Bank | Exceptional | Strong | Strong | Exceptional | $883 | -0.005% | 134 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $240 | -0.406% | 35 | |
8 | Bluestone Bank | Exceptional | Exceptional | Sound | Strong | $1,299 | -0.134% | 34 | |
9 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,237 | -0.213% | 32 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $683 | +0.013% | 114 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,160 | -0.136% | 110 | |
12 | Bank Rhode Island | Strong | Exceptional | Acceptable | Strong | $556 | -0.096% | 60 | |
13 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $625 | +0.061% | 53 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $636 | -0.183% | 41 | |
15 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,505 | +0.306% | 216 | |
16 | Rockland Trust Company | Strong | Strong | Sound | Strong | $1,244 | +0.036% | 73 | |
17 | Colorado Federal Savings Bank | Strong | Strong | Sound | Strong | $2,045 | +0.130% | 64 | |
18 | Eastern Bank | Strong | Strong | Sound | Strong | $1,453 | -0.002% | 49 | |
19 | BankNewport | Strong | Sound | Sound | Exceptional | $1,164 | +0.162% | 179 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,288 | +0.090% | 118 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,316 | +0.058% | 36 | |
22 | Home Loan Investment Bank, F.S.B. | Strong | Acceptable | Strong | Exceptional | $2,443 | +0.245% | 149 | |
23 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,682 | +0.159% | 53 | |
24 | TD Bank, National Association | Strong | Sound | Sound | Sound | $995 | +0.207% | 48 | |
25 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,357 | -0.246% | 38 | |
26 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $3,105 | +0.185% | 45 |
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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