# Best Mortgage Lenders in Rhode Island

**As of:** 2026-05-24

Compare the top mortgage lenders in Rhode Island. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/rhode-island/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 105
- **Total Loans:** 10,225
- **Median Rate Spread:** 0.21840384615384614%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | NAVIGANT CREDIT UNION | 93 | 88 | 73 | 561 | Credit Union |
| 2 | Centreville Bank | 93 | 85 | 64 | 199 | Bank |
| 3 | The Washington Trust Company, of Westerly | 86 | 76 | 67 | 396 | Bank |
| 4 | BAYCOAST MORTGAGE COMPANY, LLC | 86 | 79 | 76 | 305 | Independent Mortgage Company |
| 5 | Citizens Bank, National Association | 86 | 69 | 62 | 233 | Bank |
| 6 | COASTAL1 Credit Union | 86 | 80 | 68 | 175 | Credit Union |
| 7 | Leader Bank, National Association | 86 | 82 | 79 | 90 | Bank |
| 8 | Fall River Five Cents Savings Bank | 86 | 84 | 75 | 83 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 343 | Independent Mortgage Company |
| 10 | U.S. Bank National Association | 80 | 75 | 71 | 99 | Bank |
| 11 | Bank of America, National Association | 80 | 73 | 75 | 89 | Bank |
| 12 | Bristol County Savings Bank | 80 | 64 | 66 | 36 | Bank |
| 13 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 129 | Credit Union |
| 14 | Morgan Stanley Private Bank, National Association | 78 | 94 | 66 | 31 | Bank |
| 15 | Berkshire Bank | 78 | 85 | 63 | 27 | Bank |
| 16 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 784 | Independent Mortgage Company |
| 17 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 592 | Independent Mortgage Company |
| 18 | NFM, INC. | 74 | 23 | 87 | 522 | Independent Mortgage Company |
| 19 | CMG MORTGAGE, INC. | 74 | 33 | 81 | 386 | Independent Mortgage Company |
| 20 | GUILD MORTGAGE COMPANY LLC | 74 | 25 | 83 | 366 | Independent Mortgage Company |
| 21 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 200 | Independent Mortgage Company |
| 22 | Northpointe Bank | 73 | 47 | 62 | 170 | Bank |
| 23 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 138 | Independent Mortgage Company |
| 24 | HARBORONE MORTGAGE, LLC | 73 | 52 | 72 | 106 | Independent Mortgage Company |
| 25 | JPMorgan Chase Bank, National Association | 73 | 49 | 70 | 103 | Bank |
| 26 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 82 | Independent Mortgage Company |
| 27 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 75 | Independent Mortgage Company |
| 28 | Easthampton Savings Bank | 73 | 70 | 65 | 34 | Bank |
| 29 | BankNewport | 71 | 55 | 59 | 168 | Bank |
| 30 | NBKC BANK | 71 | 91 | 59 | 32 | Bank |
| 31 | PROVINCE MORTGAGE ASSOCIATES, INC. | 68 | 29 | 74 | 220 | Independent Mortgage Company |
| 32 | Home Loan Investment Bank, F.S.B. | 68 | 37 | 62 | 143 | Bank |
| 33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 94 | Independent Mortgage Company |
| 34 | The People's Credit Union | 68 | 83 | 28 | 58 | Credit Union |
| 35 | Bank Rhode Island | 68 | 81 | 32 | 55 | Bank |
| 36 | WESTERLY COMMUNITY | 68 | 90 | 38 | 49 | Credit Union |
| 37 | HOMESPIRE MORTGAGE CORPORATION | 68 | 25 | 84 | 47 | Independent Mortgage Company |
| 38 | Eastern Bank | 66 | 74 | 58 | 31 | Bank |
| 39 | Colorado Federal Savings Bank | 66 | 73 | 51 | 24 | Bank |
| 40 | WASHINGTON TRUST MORTGAGE COMPANY LLC | 66 | 53 | 48 | 42 | Independent Mortgage Company |
| 41 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 185 | Independent Mortgage Company |
| 42 | MORTGAGE EQUITY PARTNERS LLC | 63 | 26 | 70 | 150 | Independent Mortgage Company |
| 43 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 112 | Independent Mortgage Company |
| 44 | Mortgage Research Center, LLC | 63 | 34 | 70 | 94 | Independent Mortgage Company |
| 45 | EMBRACE HOME LOANS, INC. | 63 | 31 | 74 | 83 | Independent Mortgage Company |
| 46 | OCEAN STATE CREDIT UNION | 63 | 74 | 40 | 30 | Credit Union |
| 47 | MUTUAL OF OMAHA MORTGAGE, INC. | 60 | 57 | 57 | 43 | Independent Mortgage Company |
| 48 | TD Bank, National Association | 60 | 47 | 57 | 36 | Bank |
| 49 | Webster Bank, National Association | 60 | 41 | 50 | 26 | Bank |
| 50 | USAA Federal Savings Bank | 60 | 54 | 45 | 25 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Rhode Island.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.