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

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