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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 Company Lenders in Providence
Updated February 5, 2026
Market Overview
42
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,870 | +0.264% | 883 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,704 | +0.379% | 168 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,676 | +0.471% | 359 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,364 | +0.115% | 125 | |
6 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,627 | +0.253% | 82 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,806 | +0.279% | 890 | |
8 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405 | +0.636% | 567 | |
9 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,032 | +0.406% | 108 | |
10 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,541 | +0.554% | 55 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.331% | 891 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,857 | +0.305% | 714 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090 | +0.505% | 539 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,584 | +0.334% | 241 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,033 | +0.413% | 156 | |
16 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,558 | +0.202% | 150 | |
17 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,227 | +0.338% | 47 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,367 | +0.316% | 284 | |
19 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,336 | +0.614% | 256 | |
20 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,400 | +0.463% | 245 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.649% | 124 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,946 | +0.303% | 103 | |
23 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,338 | +0.485% | 77 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$1,443 | +0.520% | 72 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312 | +0.567% | 456 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,239 | +0.457% | 314 | |
27 | SEMPER HOME LOANS, INC | Strong | Mediocre | Strong | Exceptional | Exceptional | $5,702 | +0.517% | 267 | |
28 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,077 | +0.533% | 109 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,700 | +0.008% | 83 | |
30 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,651 | +0.360% | 74 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,253 | +0.482% | 53 | |
32 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $6,053 | +0.437% | 47 | |
33 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,560 | +0.665% | 37 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,496 | +0.479% | 33 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,760 | +0.163% | 33 | |
36 | MORTGAGE EQUITY PARTNERS LLC | Strong | Mediocre | Strong | Strong | Exceptional | $3,327 | +0.411% | 197 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,257 | +0.488% | 97 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,126 | +0.374% | 89 | |
39 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $6,434 | +0.904% | 34 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,264 | +0.495% | 152 | |
41 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Strong | $2,887 | +0.563% | 64 |
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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