Safe Rate Rankings

Best Conventional Mortgage Lenders in Providence

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders137

Total Loans15,285

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVIGANT CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$809Fees	0.344%Below	593
2	Fall River Five Cents Savings BankBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,201Fees	0.067%Above	260
3	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$922Fees	0.023%Below	213
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Strong	$647Fees	0.471%Below	170
5	BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Exceptional	$1,145Fees	0.031%Below	585
6	The Washington Trust Company, of WesterlyBank	Exceptional	Strong	Strong	Strong	Exceptional	$1,544Fees	0.186%Below	408
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,822Fees	0.039%Above	279
8	Centreville BankBank	Exceptional	Exceptional	Sound	Sound	Exceptional	$862Fees	0.375%Below	208
9	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$683Fees	0.013%Above	114
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$2,160Fees	0.136%Below	110
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,676Fees	0.471%Above	359
12	Northpointe BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,505Fees	0.306%Above	216
13	Easthampton Savings BankBank	Exceptional	Strong	Strong	Strong	Strong	$625Fees	0.061%Above	53
14	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$636Fees	0.183%Below	41
15	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	Sound	$240Fees	0.406%Below	35
16	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,806Fees	0.279%Above	890
17	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,870Fees	0.264%Above	883
18	COASTAL1 Credit UnionCredit Union	Strong	Strong	Sound	Sound	Exceptional	$782Fees	0.060%Below	204
19	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,558Fees	0.202%Above	150
20	Bristol County Savings BankBank	Strong	Strong	Sound	Sound	Exceptional	$883Fees	0.005%Below	134
21	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,288Fees	0.090%Above	118
22	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$2,700Fees	0.008%Above	83
23	Rockland Trust CompanyBank	Strong	Strong	Strong	Sound	Strong	$1,244Fees	0.036%Above	73
24	Colorado Federal Savings BankBank	Strong	Strong	Strong	Sound	Strong	$2,045Fees	0.130%Above	64
25	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,316Fees	0.058%Above	36
26	Berkshire BankBank	Strong	Exceptional	Sound	Sound	Sound	$1,237Fees	0.213%Below	32
27	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,524Fees	0.331%Above	891
28	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,857Fees	0.305%Above	714
29	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,090Fees	0.505%Above	539
30	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,312Fees	0.567%Above	456
31	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,239Fees	0.457%Above	314
32	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$5,336Fees	0.614%Above	256
33	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Strong	$1,364Fees	0.115%Above	125
34	Eastern BankBank	Strong	Strong	Sound	Sound	Strong	$1,453Fees	0.002%Below	49
35	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,496Fees	0.479%Above	33
36	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,367Fees	0.316%Above	284
37	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,584Fees	0.334%Above	241
38	BankNewportBank	Strong	Sound	Sound	Sound	Exceptional	$1,164Fees	0.162%Above	179
39	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,704Fees	0.379%Above	168
40	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,665Fees	0.649%Above	124
41	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,032Fees	0.406%Above	108
42	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,257Fees	0.488%Above	97
43	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$2,627Fees	0.253%Above	82
44	AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,443Credit	0.520%Above	72
45	PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company	Strong	Acceptable	Sound	Strong	Exceptional	$3,400Fees	0.463%Above	245
46	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Exceptional	$3,327Fees	0.411%Above	197
47	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$3,033Fees	0.413%Above	156
48	RADIUS FINANCIAL GROUP INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,887Fees	0.563%Above	64
49	NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,541Fees	0.554%Above	55
50	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,227Fees	0.338%Above	47

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.