# Best Conventional Mortgage Lenders in Providence

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Providence. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/providence/best-mortgage-lenders/conventional-loans


> **📋 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


## Market Statistics

- **Total Lenders:** 137
- **Total Loans:** 15,285
- **Median Rate Spread:** 0.2586015037593985%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVIGANT CREDIT UNION | 89 | 88 | 69 | 593 | Credit Union |
| 2 | Fall River Five Cents Savings Bank | 89 | 85 | 64 | 260 | Bank |
| 3 | Leader Bank, National Association | 89 | 84 | 80 | 213 | Bank |
| 4 | BAYCOAST MORTGAGE COMPANY, LLC | 85 | 77 | 71 | 585 | Independent Mortgage Company |
| 5 | The Washington Trust Company, of Westerly | 85 | 75 | 64 | 408 | Bank |
| 6 | U.S. Bank National Association | 85 | 75 | 69 | 114 | Bank |
| 7 | Bank of America, National Association | 85 | 71 | 67 | 110 | Bank |
| 8 | LOANDEPOT.COM, LLC | 83 | 45 | 72 | 359 | Independent Mortgage Company |
| 9 | Citizens Bank, National Association | 83 | 70 | 59 | 279 | Bank |
| 10 | Northpointe Bank | 83 | 49 | 62 | 216 | Bank |
| 11 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 170 | Credit Union |
| 12 | Easthampton Savings Bank | 80 | 69 | 70 | 53 | Bank |
| 13 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 890 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 883 | Independent Mortgage Company |
| 15 | HARBORONE MORTGAGE, LLC | 79 | 53 | 72 | 150 | Independent Mortgage Company |
| 16 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 118 | Bank |
| 17 | Centreville Bank | 77 | 85 | 57 | 208 | Bank |
| 18 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 891 | Independent Mortgage Company |
| 19 | GUILD MORTGAGE COMPANY LLC | 75 | 25 | 77 | 714 | Independent Mortgage Company |
| 20 | CMG MORTGAGE, INC. | 75 | 34 | 73 | 539 | Independent Mortgage Company |
| 21 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 75 | 21 | 68 | 456 | Independent Mortgage Company |
| 22 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 21 | 74 | 314 | Independent Mortgage Company |
| 23 | TOTAL MORTGAGE SERVICES, LLC | 75 | 22 | 74 | 256 | Independent Mortgage Company |
| 24 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 83 | Independent Mortgage Company |
| 25 | Rockland Trust Company | 74 | 76 | 52 | 73 | Bank |
| 26 | Colorado Federal Savings Bank | 74 | 72 | 50 | 64 | Bank |
| 27 | COASTAL1 Credit Union | 73 | 79 | 60 | 204 | Credit Union |
| 28 | Bristol County Savings Bank | 73 | 67 | 56 | 134 | Bank |
| 29 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 125 | Independent Mortgage Company |
| 30 | NBKC BANK | 73 | 90 | 49 | 41 | Bank |
| 31 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 36 | Bank |
| 32 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 35 | Bank |
| 33 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 33 | Independent Mortgage Company |
| 34 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 284 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 241 | Independent Mortgage Company |
| 36 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 124 | Independent Mortgage Company |
| 37 | EMM LOANS LLC | 71 | 28 | 78 | 108 | Independent Mortgage Company |
| 38 | NATIONSTAR MORTGAGE LLC | 71 | 27 | 64 | 97 | Independent Mortgage Company |
| 39 | AMERICAN FINANCIAL NETWORK, INC. | 71 | 29 | 63 | 72 | Independent Mortgage Company |
| 40 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 168 | Independent Mortgage Company |
| 41 | AMERANT MORTGAGE, LLC | 69 | 49 | 56 | 82 | Independent Mortgage Company |
| 42 | Eastern Bank | 69 | 76 | 49 | 49 | Bank |
| 43 | BankNewport | 68 | 58 | 49 | 179 | Bank |
| 44 | Berkshire Bank | 68 | 86 | 55 | 32 | Bank |
| 45 | RADIUS FINANCIAL GROUP INC. | 67 | 28 | 66 | 64 | Independent Mortgage Company |
| 46 | NATIONS DIRECT MORTGAGE, LLC | 67 | 40 | 66 | 55 | Independent Mortgage Company |
| 47 | NORTHPOINT MORTGAGE, INC. | 67 | 35 | 62 | 47 | Independent Mortgage Company |
| 48 | PROVINCE MORTGAGE ASSOCIATES, INC. | 66 | 32 | 63 | 245 | Independent Mortgage Company |
| 49 | MORTGAGE EQUITY PARTNERS LLC | 66 | 28 | 58 | 197 | Independent Mortgage Company |
| 50 | NEWREZ LLC | 66 | 31 | 58 | 156 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Providence.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.