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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 FHA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,145 | -0.031% | 585 | |
2 | The Washington Trust Company, of Westerly | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,544 | -0.186% | 408 | |
3 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $922 | -0.023% | 213 | |
4 | Centreville Bank | Exceptional | Exceptional | — | Strong | Exceptional | $862 | -0.375% | 208 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,870 | +0.264% | 883 | |
6 | Fall River Five Cents Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,201 | +0.067% | 260 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,704 | +0.379% | 168 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,676 | +0.471% | 359 | |
9 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,822 | +0.039% | 279 | |
10 | Northpointe Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,505 | +0.306% | 216 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,364 | +0.115% | 125 | |
12 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,627 | +0.253% | 82 | |
13 | Eastern Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,453 | -0.002% | 49 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,806 | +0.279% | 890 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405 | +0.636% | 567 | |
16 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,032 | +0.406% | 108 | |
17 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,541 | +0.554% | 55 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.331% | 891 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,857 | +0.305% | 714 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.505% | 539 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,584 | +0.334% | 241 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,033 | +0.413% | 156 | |
23 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,558 | +0.202% | 150 | |
24 | Rockland Trust Company | Strong | Strong | Sound | Sound | Strong | $1,244 | +0.036% | 73 | |
25 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,227 | +0.338% | 47 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,367 | +0.316% | 284 | |
27 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,336 | +0.614% | 256 | |
28 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,400 | +0.463% | 245 | |
29 | BankNewport | Strong | Sound | — | Sound | Exceptional | $1,164 | +0.162% | 179 | |
30 | Home Loan Investment Bank, F.S.B. | Strong | Sound | Sound | Sound | Exceptional | $2,443 | +0.245% | 149 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.649% | 124 | |
32 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,946 | +0.303% | 103 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,338 | +0.485% | 77 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$1,443 | +0.520% | 72 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312 | +0.567% | 456 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,239 | +0.457% | 314 | |
37 | SEMPER HOME LOANS, INC | Strong | Mediocre | Strong | Exceptional | Exceptional | $5,702 | +0.517% | 267 | |
38 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,077 | +0.533% | 109 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,700 | +0.008% | 83 | |
40 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,651 | +0.360% | 74 | |
41 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,253 | +0.482% | 53 | |
42 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $6,053 | +0.437% | 47 | |
43 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,560 | +0.665% | 37 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,496 | +0.479% | 33 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,760 | +0.163% | 33 | |
46 | MORTGAGE EQUITY PARTNERS LLC | Strong | Mediocre | Strong | Strong | Exceptional | $3,327 | +0.411% | 197 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,257 | +0.488% | 97 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,126 | +0.374% | 89 | |
49 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $3,105 | +0.185% | 45 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $6,434 | +0.904% | 34 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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