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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 VA 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	Exceptional	Strong	Exceptional	Exceptional	$1,145	-0.031%	585
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,870	+0.264%	883
3	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,524	+0.331%	891
4	CMG MORTGAGE, INC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$3,090	+0.505%	539
5	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$2,367	+0.316%	284
6	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Strong	$2,704	+0.379%	168
7	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,364	+0.115%	125
8	AMERICAN FINANCIAL NETWORK, INC.	Exceptional	Strong	Exceptional	Strong	Strong	-$1,443	+0.520%	72
9	LOANDEPOT.COM, LLC	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,676	+0.471%	359
10	HARBORONE MORTGAGE, LLC	Exceptional	Strong	Strong	Strong	Strong	$2,558	+0.202%	150
11	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,806	+0.279%	890
12	NFM, INC.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,405	+0.636%	567
13	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$3,033	+0.413%	156
14	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,700	+0.008%	83
15	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,857	+0.305%	714
16	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,239	+0.457%	314
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,584	+0.334%	241
18	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,126	+0.374%	89
19	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,141	+0.584%	138
20	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$4,257	+0.488%	97
21	NATIONS DIRECT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,541	+0.554%	55
22	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Exceptional	$5,312	+0.567%	456
23	TOTAL MORTGAGE SERVICES, LLC	Strong	Mediocre	Strong	Exceptional	Exceptional	$5,336	+0.614%	256
24	EMBRACE HOME LOANS, INC.	Strong	Acceptable	Strong	Strong	Strong	$2,946	+0.303%	103
25	SEMPER HOME LOANS, INC	Strong	Mediocre	Strong	Strong	Exceptional	$5,702	+0.517%	267
26	PROVINCE MORTGAGE ASSOCIATES, INC.	Strong	Acceptable	Acceptable	Strong	Exceptional	$3,400	+0.463%	245
27	Waterstone Mortgage Corporation	Strong	Mediocre	Exceptional	Strong	Strong	$5,651	+0.360%	74
28	NEW AMERICAN FUNDING, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$4,264	+0.495%	152

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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