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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 Company Lenders in Providence

Updated February 5, 2026

Market Overview

Total Lenders

15,285

Total Loans

0.26%

Median Rate Spread

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