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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 Mortgage Lenders in Rhode Island
Updated February 6, 2026
Market Overview
105
Total Lenders
10,225
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVIGANT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $814 | -0.345% | 561 | |
2 | Centreville Bank | Exceptional | Exceptional | Strong | Exceptional | $854 | -0.387% | 199 | |
3 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $989 | -0.039% | 90 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,535 | +0.039% | 83 | |
5 | The Washington Trust Company, of Westerly | Exceptional | Strong | Strong | Exceptional | $1,478 | -0.197% | 396 | |
6 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Exceptional | $989 | -0.041% | 305 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $2,027 | +0.022% | 233 | |
8 | COASTAL1 Credit Union | Exceptional | Strong | Strong | Exceptional | $783 | -0.042% | 175 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $617 | -0.522% | 129 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $215 | -0.393% | 31 | |
11 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,216 | -0.198% | 27 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,108 | +0.191% | 343 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $732 | -0.001% | 99 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,063 | -0.125% | 89 | |
15 | The People's Credit Union | Strong | Exceptional | Acceptable | Strong | $578 | +0.013% | 58 | |
16 | Bank Rhode Island | Strong | Exceptional | Acceptable | Strong | $552 | -0.073% | 55 | |
17 | WESTERLY COMMUNITY | Strong | Exceptional | Acceptable | Strong | $1,091 | -0.233% | 49 | |
18 | Bristol County Savings Bank | Strong | Strong | Strong | Strong | $678 | -0.042% | 36 | |
19 | NBKC BANK | Strong | Exceptional | Sound | Sound | $768 | -0.138% | 32 | |
20 | Easthampton Savings Bank | Strong | Strong | Strong | Sound | $680 | +0.053% | 34 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,501 | +0.334% | 784 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,958 | +0.283% | 592 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,361 | +0.641% | 522 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,931 | +0.550% | 386 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,589 | +0.309% | 366 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,089 | +0.498% | 200 | |
27 | Northpointe Bank | Strong | Sound | Strong | Strong | $3,402 | +0.310% | 170 | |
28 | BankNewport | Strong | Sound | Sound | Exceptional | $1,202 | +0.162% | 168 | |
29 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,410 | +0.296% | 138 | |
30 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,646 | +0.242% | 106 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,234 | +0.090% | 103 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,049 | +0.627% | 82 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,424 | +0.045% | 75 | |
34 | Eastern Bank | Strong | Strong | Sound | Sound | $1,391 | -0.010% | 31 | |
35 | OCEAN STATE CREDIT UNION | Strong | Strong | Acceptable | Strong | $866 | -0.148% | 30 | |
36 | Colorado Federal Savings Bank | Strong | Strong | Sound | Sound | $1,875 | +0.119% | 24 | |
37 | PROVINCE MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Exceptional | $3,487 | +0.458% | 220 | |
38 | Home Loan Investment Bank, F.S.B. | Strong | Acceptable | Strong | Exceptional | $2,478 | +0.254% | 143 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,200 | +0.252% | 94 | |
40 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $6,053 | +0.437% | 47 | |
41 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,610 | +0.107% | 42 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,377 | +0.442% | 185 | |
43 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,341 | +0.399% | 150 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,822 | +0.634% | 112 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,141 | +0.584% | 94 | |
46 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,821 | +0.311% | 83 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,049 | -0.090% | 43 | |
48 | TD Bank, National Association | Strong | Sound | Sound | Sound | $971 | +0.255% | 36 | |
49 | Webster Bank, National Association | Strong | Sound | Sound | Sound | $2,369 | +0.165% | 26 | |
50 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,469 | -0.203% | 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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