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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 Mortgage Company Lenders in Providence
Updated February 5, 2026
Market Overview
46
Total Lenders
10,693
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Exceptional | $1,145 | -0.031% | 585 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,870 | +0.264% | 883 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,676 | +0.471% | 359 | |
4 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,524 | +0.331% | 891 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,806 | +0.279% | 890 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,857 | +0.305% | 714 | |
7 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,405 | +0.636% | 567 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,090 | +0.505% | 539 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,367 | +0.316% | 284 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,704 | +0.379% | 168 | |
11 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,558 | +0.202% | 150 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,364 | +0.115% | 125 | |
13 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,627 | +0.253% | 82 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,239 | +0.457% | 314 | |
15 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Exceptional | $3,400 | +0.463% | 245 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,584 | +0.334% | 241 | |
17 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Exceptional | $3,327 | +0.411% | 197 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,700 | +0.008% | 83 | |
19 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,794 | +0.153% | 51 | |
20 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | $5,336 | +0.614% | 256 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,141 | +0.584% | 138 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,665 | +0.649% | 124 | |
23 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $3,032 | +0.406% | 108 | |
24 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,946 | +0.303% | 103 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,257 | +0.488% | 97 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $4,338 | +0.485% | 77 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | -$1,443 | +0.520% | 72 | |
28 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | $2,887 | +0.563% | 64 | |
29 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,541 | +0.554% | 55 | |
30 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,227 | +0.338% | 47 | |
31 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $6,053 | +0.437% | 47 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $3,760 | +0.163% | 33 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Exceptional | $5,312 | +0.567% | 456 | |
34 | SEMPER HOME LOANS, INC | Sound | Mediocre | Strong | Exceptional | $5,702 | +0.517% | 267 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,033 | +0.413% | 156 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,264 | +0.495% | 152 | |
37 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $6,077 | +0.533% | 109 | |
38 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $4,253 | +0.482% | 53 | |
39 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $4,560 | +0.665% | 37 | |
40 | SALEM FIVE MORTGAGE COMPANY, LLC | Sound | Acceptable | Strong | Sound | $2,005 | +0.084% | 33 | |
41 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,496 | +0.479% | 33 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,126 | +0.374% | 89 | |
43 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $5,651 | +0.360% | 74 | |
44 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $2,688 | +0.359% | 41 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | 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 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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