Safe Rate Rankings

Best All Lender Mortgage Lenders in Rhode Island

Updated May 24, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders105

Total Loans10,225

Median Rate Spread0.22%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	NAVIGANT CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$814Fees	0.345%Below	561
2	Centreville BankBank	Exceptional	Exceptional	Strong	Exceptional	$854Fees	0.387%Below	199
3	Leader Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	$989Fees	0.039%Below	90
4	Fall River Five Cents Savings BankBank	Exceptional	Exceptional	Strong	Strong	$1,535Fees	0.039%Above	83
5	The Washington Trust Company, of WesterlyBank	Exceptional	Strong	Strong	Exceptional	$1,478Fees	0.197%Below	396
6	BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	$989Fees	0.041%Below	305
7	Citizens Bank, National AssociationBank	Exceptional	Strong	Strong	Exceptional	$2,027Fees	0.022%Above	233
8	COASTAL1 Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$783Fees	0.042%Below	175
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$617Fees	0.522%Below	129
10	Morgan Stanley Private Bank, National AssociationBank	Exceptional	Exceptional	Strong	Sound	$215Fees	0.393%Below	31
11	Berkshire BankBank	Exceptional	Exceptional	Strong	Sound	$1,216Fees	0.198%Below	27
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$3,108Fees	0.191%Above	343
13	U.S. Bank National AssociationBank	Strong	Strong	Strong	Strong	$732Fees	0.001%Below	99
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$2,063Fees	0.125%Below	89
15	The People's Credit UnionCredit Union	Strong	Exceptional	Acceptable	Strong	$578Fees	0.013%Above	58
16	Bank Rhode IslandBank	Strong	Exceptional	Acceptable	Strong	$552Fees	0.073%Below	55
17	WESTERLY COMMUNITYCredit Union	Strong	Exceptional	Acceptable	Strong	$1,091Fees	0.233%Below	49
18	Bristol County Savings BankBank	Strong	Strong	Strong	Strong	$678Fees	0.042%Below	36
19	NBKC BANKBank	Strong	Exceptional	Sound	Sound	$768Fees	0.138%Below	32
20	Easthampton Savings BankBank	Strong	Strong	Strong	Sound	$680Fees	0.053%Above	34
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,501Fees	0.334%Above	784
22	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,958Fees	0.283%Above	592
23	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$4,361Fees	0.641%Above	522
24	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,931Fees	0.550%Above	386
25	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,589Fees	0.309%Above	366
26	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$4,089Fees	0.498%Above	200
27	Northpointe BankBank	Strong	Sound	Strong	Strong	$3,402Fees	0.310%Above	170
28	BankNewportBank	Strong	Sound	Sound	Exceptional	$1,202Fees	0.162%Above	168
29	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,410Fees	0.296%Above	138
30	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,646Fees	0.242%Above	106
31	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,234Fees	0.090%Above	103
32	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$3,049Fees	0.627%Above	82
33	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,424Fees	0.045%Above	75
34	Eastern BankBank	Strong	Strong	Sound	Sound	$1,391Fees	0.010%Below	31
35	OCEAN STATE CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Strong	$866Fees	0.148%Below	30
36	Colorado Federal Savings BankBank	Strong	Strong	Sound	Sound	$1,875Fees	0.119%Above	24
37	PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,487Fees	0.458%Above	220
38	Home Loan Investment Bank, F.S.B.Bank	Strong	Acceptable	Strong	Exceptional	$2,478Fees	0.254%Above	143
39	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,200Fees	0.252%Above	94
40	HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$6,053Fees	0.437%Above	47
41	WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Sound	Sound	Strong	$1,610Fees	0.107%Above	42
42	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,377Fees	0.442%Above	185
43	MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$3,341Fees	0.399%Above	150
44	Paramount Residential Mortgage Group, Inc.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$4,822Fees	0.634%Above	112
45	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,141Fees	0.584%Above	94
46	EMBRACE HOME LOANS, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,821Fees	0.311%Above	83
47	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Sound	Sound	$2,049Fees	0.090%Below	43
48	TD Bank, National AssociationBank	Strong	Sound	Sound	Sound	$971Fees	0.255%Above	36
49	Webster Bank, National AssociationBank	Strong	Sound	Sound	Sound	$2,369Fees	0.165%Above	26
50	USAA Federal Savings BankBank	Strong	Sound	Sound	Sound	$2,469Fees	0.203%Below	25

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.