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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 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 | Exceptional | Exceptional | $1,145 | -0.031% | 585 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,870 | +0.264% | 883 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $647 | -0.471% | 170 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $636 | -0.183% | 41 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,524 | +0.331% | 891 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,090 | +0.505% | 539 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,367 | +0.316% | 284 | |
8 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Acceptable | Strong | Exceptional | $1,201 | +0.067% | 260 | |
9 | Leader Bank, National Association | Exceptional | Strong | Strong | Exceptional | Strong | $922 | -0.023% | 213 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,704 | +0.379% | 168 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,364 | +0.115% | 125 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $683 | +0.013% | 114 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | -$1,443 | +0.520% | 72 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,676 | +0.471% | 359 | |
15 | HARBORONE MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,558 | +0.202% | 150 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,806 | +0.279% | 890 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405 | +0.636% | 567 | |
18 | The Washington Trust Company, of Westerly | Strong | Strong | Sound | Sound | Exceptional | $1,544 | -0.186% | 408 | |
19 | Northpointe Bank | Strong | Sound | Strong | Strong | Exceptional | $3,505 | +0.306% | 216 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,033 | +0.413% | 156 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,700 | +0.008% | 83 | |
22 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,357 | -0.246% | 38 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,857 | +0.305% | 714 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,239 | +0.457% | 314 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,584 | +0.334% | 241 | |
26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,126 | +0.374% | 89 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,141 | +0.584% | 138 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,257 | +0.488% | 97 | |
29 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.554% | 55 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312 | +0.567% | 456 | |
31 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Strong | Exceptional | Exceptional | $5,336 | +0.614% | 256 | |
32 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,946 | +0.303% | 103 | |
33 | SEMPER HOME LOANS, INC | Strong | Mediocre | Strong | Strong | Exceptional | $5,702 | +0.517% | 267 | |
34 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Acceptable | Strong | Exceptional | $3,400 | +0.463% | 245 | |
35 | Home Loan Investment Bank, F.S.B. | Strong | Acceptable | Acceptable | Strong | Exceptional | $2,443 | +0.245% | 149 | |
36 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,651 | +0.360% | 74 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,264 | +0.495% | 152 | |
38 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $3,105 | +0.185% | 45 |
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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